SHF Holdings executive reports 7,326 share option grant

Q: What does SHFS Form 3 show about Michael Regan’s holdings?

The Form 3 shows Michael Regan holds a stock option to buy 7,326 shares of SHF Holdings common stock at $6.40 per share, expiring March 10, 2035. This reflects his initial reported derivative ownership as an executive officer.

Q: Is Michael Regan buying or selling SHFS shares in this Form 3?

The filing does not report any market buy or sell of SHFS shares. It discloses a compensatory stock option position, showing his right to purchase shares in the future under set terms, rather than an open-market transaction.

Q: What are the key terms of Michael Regan’s SHFS stock options?

Regan’s stock option covers 7,326 underlying shares of common stock at an exercise price of $6.40 per share, with an expiration date of March 10, 2035. These terms define the price and timeframe for potential future exercises.

Q: How do Michael Regan’s SHFS options vest over time?

The options were granted on March 10, 2025 and vest at 33.3% per year, beginning on December 31, 2025. This schedule means portions of the award become exercisable annually, aligning his compensation with longer-term service at the company.

Q: What type of security is reported for Michael Regan on the SHFS Form 3?

The Form 3 reports a Stock Option (Right to Buy) tied to SHF Holdings common stock. It is a derivative security giving Regan the right, but not the obligation, to purchase 7,326 shares at a fixed price before the 2035 expiration date.

Accepted by SEC EDGAR 05/08/2026 - 09:56 PM EDT

Filing Impact

(Moderate)

Filing Sentiment

(Neutral)How Sentiment works

Sentiment and the balance of points

Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.

How Sentiment works How the balance works

Form Type

Rhea-AI Filing Summary

SHF Holdings, Inc. executive Michael Regan, Chief Investment & Strategy Officer, reported his initial beneficial ownership on a Form 3. He holds a stock option to buy 7,326 shares of common stock at an exercise price of $6.40 per share, expiring on March 10, 2035. The options were granted on March 10, 2025 and vest at a rate of 33.3% per year starting December 31, 2025, indicating this is a compensation award rather than an open-market trade.

Insider Trade Summary

Holdings reported, no transactions

Holdings

Insider Regan Michael

Role Chief Inv. & Strat. Officer

Type	Security	Shares	Price	Value
Holding	Stock Option (Right to Buy)	--	--	--

Holdings: Stock Option (Right to Buy) — 7,326 options (Direct)

Footnotes (1)

F1. Stock options granted on March 10, 2025 that vest at a rate of 33.3% per year commencing on December 31, 2025.

Key Figures

Underlying option shares: 7,326 shares Exercise price: $6.40 per share Option expiration: March 10, 2035 +2 more

5 metrics

Underlying option shares 7,326 shares Underlying common stock for reported stock option

Exercise price $6.40 per share Stock option exercise price

Option expiration March 10, 2035 Stock option expiration date

Vesting rate 33.3% per year Annual vesting of stock options

Vesting commencement date December 31, 2025 Start date for annual vesting of options

Key Terms

Stock Option (Right to Buy), exercise price, vesting, underlying security

4 terms

Stock Option (Right to Buy) financial

"security_title: "Stock Option (Right to Buy)""

exercise price financial

"exercisePrice: "6.4000" indicates the exercise price per share"

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

vesting financial

"options "vest at a rate of 33.3% per year" commencing on December 31, 2025"

Vesting is the process by which you earn full ownership of something, like company stock or a retirement benefit, over time. It’s like earning the right to keep a gift piece by piece the longer you stay with a company, making sure employees stay committed before they receive all the benefits.

underlying security financial

"underlying_security_title: "Common Stock" and underlying_security_shares: "7326.0000""

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What does SHFS Form 3 show about Michael Regan’s holdings?

The Form 3 shows Michael Regan holds a stock option to buy 7,326 shares of SHF Holdings common stock at $6.40 per share, expiring March 10, 2035. This reflects his initial reported derivative ownership as an executive officer.

Is Michael Regan buying or selling SHFS shares in this Form 3?

The filing does not report any market buy or sell of SHFS shares. It discloses a compensatory stock option position, showing his right to purchase shares in the future under set terms, rather than an open-market transaction.

What are the key terms of Michael Regan’s SHFS stock options?

Regan’s stock option covers 7,326 underlying shares of common stock at an exercise price of $6.40 per share, with an expiration date of March 10, 2035. These terms define the price and timeframe for potential future exercises.

How do Michael Regan’s SHFS options vest over time?

The options were granted on March 10, 2025 and vest at 33.3% per year, beginning on December 31, 2025. This schedule means portions of the award become exercisable annually, aligning his compensation with longer-term service at the company.

What type of security is reported for Michael Regan on the SHFS Form 3?

The Form 3 reports a Stock Option (Right to Buy) tied to SHF Holdings common stock. It is a derivative security giving Regan the right, but not the obligation, to purchase 7,326 shares at a fixed price before the 2035 expiration date.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0104
Estimated average burden
hours per response:			0.5

1. Name and Address of Reporting Person^*

Regan Michael

(Last)

(First)

(Middle)

C/O SHF HOLDINGS, INC.

1526 COLE BLVD., SUITE 250

(Street)

GOLDEN

COLORADO

80401

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
09/24/2025

3. Issuer Name and Ticker or Trading Symbol
SHF Holdings, Inc. [ SHFS ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	Chief Inv. & Strat. Officer

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Stock Option (Right to Buy)	⁽¹⁾	03/10/2035	Common Stock	7,326	$6.4	D

Explanation of Responses:

1. Stock options granted on March 10, 2025 that vest at a rate of 33.3% per year commencing on December 31, 2025.

Remarks:

The Reporting Person was appointed as the Chief Investment and Strategy Officer of the Issuer on September 24, 2025. This Form 3 is being filed late due to an inadvertent administrative oversight. Upon discovery of the oversight, the Reporting Person is filing this Form 3 promptly and intends to comply with all future filing requirements under Section 16(a) of the Securities Exchange Act of 1934.

	/s/ Michael Regan	05/08/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

Source: View Original Filing on SEC EDGAR