SHFS

SHF Holdings, Inc.

Nasdaq · Finance Services · Inc. DE · CIK 0001854963
$0.3520 -3.83% $2.4M
Insider Buying Cluster (4 insiders)High Impact Filing (7/10)
Vol
Market Cap$2.4M
Cap SizeNano Cap
Inst. Holders3 funds
Inst. Value$21.7K
Inst. Activity0 buys / 2 sells
Insider Activity8B / 0S
Insider Net $$211.2K
SEC Reports4
Press Releases1
Exchange Nasdaq·Sector Finance Services·Inc. DE·CIK 0001854963·Prev Close $0.3660

Recent Activity

May 28, 2026 other
Safe Harbor Financial Expands Board of Directors with Appointment of Tyler Klimas and Sean Tonner
<p align="center"><em>Klimas Brings Deep Cannabis Regulatory Expertise as Founder of Leaf Street Str
May 18, 2026 SEC
Safe Harbor Financial reported Q1 2026 revenue of ~$2.0M (+2.2% YoY) and a net loss of ~$1.8M (vs ~$0.8M loss in Q1 2025
PRESS-RELEASE — Impact 5/10
May 9, 2026 SEC
Two SHF Holdings insiders made open-market purchases totaling $61K at $800/share, representing approximately 3% of the c
CLUSTER — Impact 7/10
Apr 16, 2026 SEC
Safe Harbor Financial (SHFS) reported full-year 2025 results with revenue of $7.7M (down from $15.2M in 2024) and a net
PRESS-RELEASE — Impact 6/10
Dec 31, 2025 Insider
Kay Jeffrey R. sold 1 shares
Chief Marketing Officer @ $800.00 ($800.00)
Dec 31, 2025 Insider
Mendez Terrance Elliot sold 1 shares
Director, CEO and CFO @ $800.00 ($800.00)
Dec 31, 2025 Insider
Regan Michael sold 1 shares
Chief Inv. & Strat. Officer @ $800.00 ($800.00)
Inst.
VANGUARD GROUP INC — TRIM
20,486 shares ($21.7K)

Analyst Ratings

Historical distribution86% buy · 7 analysts · last covering-analyst action May 2023
2Strong Buy
4Buy
1Hold
0Sell
0Strong Sell
Historical Analyst Actions
DateFirmActionRating
May 16, 2023 EF Hutton REITERATE Buy → Buy
Mar 31, 2023 EF Hutton REITERATE Buy
Oct 26, 2022 EF Hutton INITIATE Buy

Top Institutional Holders

FundValueMove
VANGUARD GROUP INC$21.7KTRIM
BANK OF AMERICA CORP$18.00NEAR_EXIT
MORGAN STANLEY$11.00

Recent Insider Trades

DateInsiderTypeValue
Dec 31, 2025Kay JeffreyJ$800.00
Dec 31, 2025Mendez TerranceJ$800.00
Dec 31, 2025Regan MichaelJ$800.00
Dec 31, 2025Carleton RichardJ$800.00
Dec 10, 2025Kay JeffreyJ$800.00
3 institutional holders with $21.7K total value (20,513 shares) as of 2025-Q4. Top holders: VANGUARD, BANK, MORGAN. Net selling activity: 2 institutions trimmed/exited vs 0 added.

Top Institutional Holders — 2025-Q4

#FundSharesValue% of TrackedLast Move
1VANGUARD GROUP INC20,486$21.7K99.9%TRIM -55.7%
2BANK OF AMERICA CORP /DE/17$18.000.1%NEAR_EXIT -99.6%
3MORGAN STANLEY10$11.000.1%

Recent Position Changes

FundActionPrev SharesCurr SharesChange %ValueQuarter
VANGUARD GROUP INCTRIM46,28420,486-55.7%$21.7K2025-Q4
BANK OF AMERICA CORP /DE/NEAR_EXIT3,90617-99.6%$18.002025-Q4
VANGUARD GROUP INCADD28,30446,284+63.5%$331.4K2025-Q3
BANK OF AMERICA CORP /DE/DOUBLED173,906+22876.5%$28.0K2025-Q3
BANK OF AMERICA CORP /DE/ADD1317+30.8%$37.002025-Q2
VANGUARD GROUP INCNEW28,302$121.4K2025-Q1
VANGUARD GROUP INCEXIT551,3940-100.0%$0.002025-Q1
UBS Group AGEXIT25,8390-100.0%$0.002025-Q1
RENAISSANCE TECHNOLOGIES LLCEXIT147,9300-100.0%$0.002025-Q1
CITADEL ADVISORS LLCEXIT131,9300-100.0%$0.002025-Q1
RENAISSANCE TECHNOLOGIES LLCDOUBLED28,585147,930+417.5%$66.6K2024-Q4
CITADEL ADVISORS LLCDOUBLED51,212131,930+157.6%$59.4K2024-Q4
UBS Group AGDOUBLED6,14225,839+320.7%$11.6K2024-Q4
5 unique insiders with 8 transactions. Net insider value: $211.2K ($211.2K bought, $0.00 sold).

Insider Transactions

DateInsiderTitleTypeSharesPriceValue
Dec 31, 2025Kay Jeffrey R.Chief Marketing OfficerJ1$800.00$800.00
Dec 31, 2025Mendez Terrance ElliotDirector, CEO and CFOJ1$800.00$800.00
Dec 31, 2025Regan MichaelChief Inv. & Strat. OfficerJ1$800.00$800.00
Dec 31, 2025Carleton RichardDirectorJ1$800.00$800.00
Dec 10, 2025Kay Jeffrey R.Chief Marketing OfficerJ1$800.00$800.00
Dec 10, 2025Mendez Terrance ElliotDirector, CEO and CFOJ1$800.00$800.00
Dec 10, 2025Regan MichaelChief Inv. & Strat. OfficerJ1$800.00$800.00
Dec 10, 2025Carleton RichardDirectorJ1$800.00$800.00
Sep 30, 2025Regan MichaelChief Inv. & Strat. OfficerA45,875$0.00$0.00
Sep 30, 2025Regan MichaelChief Inv. & Strat. OfficerBUY4,057$0.00$0.00
Sep 30, 2025Mendez Terrance ElliotDirector, CEO and CFOBUY125$800.00$100.0K
Sep 30, 2025Mendez Terrance ElliotDirector, CEO and CFOA91,751$0.00$0.00
Sep 30, 2025Mendez Terrance ElliotDirector, CEO and CFOBUY8,050$0.00$0.00
Sep 30, 2025Kay Jeffrey R.Chief Marketing OfficerBUY63$800.00$50.4K
Sep 30, 2025Kay Jeffrey R.Chief Marketing OfficerBUY4,057$0.00$0.00
Sep 30, 2025BECK DOUGLASPAO SVP of Finance ControllerA45,875$0.00$0.00
Sep 30, 2025Carleton RichardDirectorBUY837$0.00$0.00
Sep 30, 2025Regan MichaelChief Inv. & Strat. OfficerBUY63$800.00$50.4K
Sep 30, 2025Carleton RichardDirectorBUY13$800.00$10.4K
Historical analyst distribution (last covering-analyst action May 2023): 86% buy across 7 analysts — 2 strong buy, 4 buy, 1 hold, 0 sell, 0 strong sell. No current recommendation available.

Earnings Estimates & Revisions

PeriodEPS AvgEPS LowEPS HighEPS Growth30d Rev.Up/DownRev. AvgRev. GrowthAnalysts
Current Q
$0.00 $0.00 $0.00 $0.0B
Next Q
$0.00 $0.00 $0.00 $0.0B
Current FY
2023-12-31
$0.00 $0.00 $0.00 $0.0B
Next FY
$0.00 $0.00 $0.00 $0.0B
1 analyst firms have rated this stock: 0 upgrades, 0 downgrades, 1 initiations.

Historical Analyst Actions

DateAnalyst FirmActionPrevious RatingNew Rating
May 16, 2023 EF Hutton REITERATE Buy Buy
Mar 31, 2023 EF Hutton REITERATE Buy
Oct 26, 2022 EF Hutton INITIATE Buy

Monthly Consensus History

PeriodStrong BuyBuyHoldSellStrong SellBuy %Distribution
Oct 1, 20232410086%
Sep 1, 20232410086%
Aug 1, 20232410086%
Jul 1, 20232410086%
Strong BuyBuyHoldSellStrong Sell

No congressional trading data available for this ticker. Data is sourced from Senate and House financial disclosure filings.

No Reddit sentiment data available yet. Sentiment is analyzed from Reddit investment communities on a rolling basis.

May 28, 2026
other
Safe Harbor Financial Expands Board of Directors with Appointment of Tyler Klimas and Sean Tonner
<p align="center"><em>Klimas Brings Deep Cannabis Regulatory Expertise as Founder of Leaf Street Strategies and Former Executive Director of the Nevad
May 19, 2026
earnings_calendar
SHFS Q1 2026 Earnings Scheduled — 2026-05-19
May 18, 2026
earnings
Safe Harbor Financial Reports First Quarter 2026 Results and Provides Corporate Update
<p align="center"><strong>First Quarter 2026 Revenue of Approximately $2.0 Million, Up 2.2% Year Over Year</strong></p>
Apr 30, 2026
other
Safe Harbor Expands Financial Platform with Enhanced Lending Capabilities to Support Cannabis Industry Growth
Expanded platform now includes commercial real estate financing, working capital, business expansion financing, equipment financing, cash flow lending
Apr 24, 2026
other
Safe Harbor Financial Applauds Historic Federal Cannabis Rescheduling Action, Citing Potential Benefits to Operator Economics, Deposit Quality, and Total Addressable Market
New DOJ Order Removes 280E Tax Burden for State-Licensed Medical Cannabis Operators, Potentially Expanding Safe Harbor's Client Base and Managed Servi
Apr 22, 2026
short_volume
Short Volume: SHFS — 58.9% short (1.0M / 1.7M)
Short: 1,003,456 | Exempt: 265,340 | TRF Vol: 1,704,254 | Short Ratio: 58.9% | Off-exchange volume (dark pool + OTC)
Apr 21, 2026
other
Safe Harbor Introduces 401(k) Plan Built for Cannabis Employers
Safe Harbor Introduces 401(k) Plan Built for Cannabis Employers
Apr 16, 2026
earnings
Safe Harbor Financial Fourth Quarter and Full Year 2025 Results, Highlighting Sequential 12% Sales Growth, Balance Sheet Transformation and Operational Progress
<p align="justify">DENVER, April 16, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor Financial (“Safe Harbor” or “the Company”) (NASD
Apr 1, 2026
earnings
Safe Harbor Financial Reports Preliminary Fourth Quarter and Full Year 2025 Results
<p align="left">DENVER, April 01, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor Financial (“Safe Harbor” or the “Company”) (NASDAQ:
Mar 30, 2026
earnings_calendar
SHFS Q4 2025 Earnings Scheduled — 2026-03-30
Mar 9, 2026
other
Safe Harbor Financial CEO Highlights Growth Platform Launch, Debt Elimination, and Financial Stabilization in Letter to Shareholders
<p align="justify">DENVER, March 09, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a <a href="https://www.globenewswire.com/Tracker?data=NRaU_veq
Mar 3, 2026
other
Safe Harbor Financial Delivers Strong 29% YoY Growth in Emerging US Cannabis Markets Representing 100+ New Customer Depository Accounts
Cumulatively Emerging US Markets represent 31% of Safe Harbor’s Total Deposit Balances Driven by Strategic Early Entry into High-Growth States Includi