SHFS
SHF Holdings, Inc.1.6200
+0.0200+1.25%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
4.99MP/E (TTM)
-Basic EPS (TTM)
-19.20Dividend Yield
0%Recent Filings
10-Q
Q3 FY2025 results
SHF Holdings swung to Q3 net income of $179,508 from a $1.2M operating loss, while revenue fell 47% y/y to $1.8M (derived) on lower deposit balances and PCCU fee splits—account fees down 42%, loan interest 62%. YTD revenue dropped 52% to $5.6M, with $1.6M net loss versus prior $3.3M profit, reflecting the amended PCCU CAA eliminating indemnification but sharing loan yields ~39%. Debt vanished: $10.8M PCCU note and $7.3M forward purchase settled via Series B preferred issuance, lifting equity to $7M and cash to $0.9M; ELOC provides $150M capacity. Operating cash used $2.4M YTD. Single sentence: Balance sheet breathes easier.
8-K
CEO previews turnaround at conference
SHF Holdings CEO Terry Mendez presents at Trickle Research Microcap Conference on November 13, 2025, highlighting a $24M recapitalization that eliminated $19M debt and restored Nasdaq compliance. As of September 30, 2025, cash stands at $6.8M funding 12 months ahead, deposits hit $108M up 6% quarterly, and Q3 net income reached $179,508. Turnaround underway.
8-K
Approves 1B share increase
SHF Holdings stockholders approved increasing authorized common shares from 130 million to 1 billion on November 6, 2025, alongside ratifying prior recapitalization raising $6.8 million in cash, converting $18.8 million debt into Series B securities, and establishing a $150 million ELOC expandable to $500 million. This regains Nasdaq compliance while board holds reverse split option. Debt nearly erased.
8-K
Warrant amendments filed
SHF Holdings amended its September 30, 2025 Securities Purchase Agreement on October 14, restating warrants effective that date to fix scrivener's errors. Initial exercisability shifted from six months plus one day after issuance to after the 'Applicable Date.' No other terms changed. Fixes paperwork glitches.
8-K
SHF closes $28.8M preferred deal
SHF Holdings closed a $28.8M securities deal on September 30, 2025, issuing 31,052 Series B Preferred shares and warrants for 1,999,544 common shares at $7.7644 conversion/exercise price, netting $6.1M cash after debt swaps and cancellations—including $10.7M PCCU loan and FPA terminations. Deal erased all convertible debt. Equity now tops Nasdaq's $2.5M minimum, pending confirmation.
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