SHF Holdings Inc Class A (SHFS)

SHF Holdings, Inc. (SHFS) stock has experienced significant volatility and a notable decline over the past year. Key events impacting SHFS stock in the past six months include the full launch of Safe Harbor Financial's Fully Managed Cannabis Banking Program, which led to a substantial surge in stock price. SHF Holdings regained compliance with Nasdaq's listing requirements and successfully raised capital, while also eliminating a substantial portion of its debt. Safe Harbor Financial launched the cannabis industry's first complete financial solutions platform, expanding its offerings beyond banking. The company announced the hiring of founders from 420 IT Solutions and the integration of their assets and client contracts. SHF Holdings anticipated potential benefits from the reclassification of cannabis to Schedule III and the advancement of the SAFER Banking Act. Safe Harbor bolstered its lending capabilities and client experience with strategic leadership hires. SHF Holdings announced a delay in filing its Form 10-K, citing the need for additional time to finalize financial statements and identified material weaknesses in internal controls over financial reporting.

Information explicitly detailing the demand seasonality for SHF Holdings, Inc.'s products and services is not available. Demand for its services might be more closely tied to regulatory changes, the overall growth and maturation of the cannabis market, and the expansion of cannabis-related businesses, rather than traditional seasonal consumer patterns.

SHF Holdings, Inc. (SHFS), operating as Safe Harbor Financial, is a specialized financial services provider primarily focused on serving the regulated cannabis industry. Founded in 2015 and headquartered in Golden, Colorado, the company offers a comprehensive suite of banking, lending, compliance, and risk management services to cannabis-related businesses (CRBs) and the financial institutions that serve them. SHFS operates within the Financials sector, specifically in the Banks - Regional industry, providing access to essential financial services through its Cannabis Banking Solutions™ Platform.

SHF Holdings, Inc. provides its specialized financial services to cannabis-related businesses across 41 states and territories within the United States.

SHF Holdings, Inc.'s brand reputation appears to be influenced by its efforts to solidify its position in the evolving cannabis financial services sector and address operational challenges. Positive developments include regaining Nasdaq compliance, launching new banking programs and platforms, strategic hires and acquisitions, and anticipation of cannabis rescheduling benefits. However, a notable event that could have negatively impacted reputation was the delay in filing its annual report (Form 10-K) in April 2025, coupled with the identification of material weaknesses in internal controls over financial reporting.

The ownership structure of SHF Holdings (SHFS) is a mix of institutional, insider, and retail investors. Approximately 7.57% to 8.66% of the company's stock is owned by institutional investors. Insiders hold a significant portion, approximately 65.55% of the stock. Retail investors and public companies/individual investors own approximately 1.08% to 25.80% of the stock.