---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-23-041060"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2023-11-14T23:59:59+00:00"
generated_at: "2026-06-08T04:02:21.161935+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor Q3 2023 revenue rises 82% to $4.3M but net loss $748K; FY revenue guide $16-16.5M

## Summary
- Q3 revenue $4.3M (+82% YoY); net loss $748K vs net income $1.06M in Q3 2022.
- Nine-month revenue $13.1M (+122% YoY); net loss $19.8M includes $13.2M goodwill and $3.7M intangible impairments.
- Loan book value $42.2M (+123% YoY); total deposits $1.08B (+28.7% YoY).
- Full-year 2023 revenue guidance $16-16.5M (prior year $9.5M).
- Adjusted EBITDA positive for third consecutive quarter at $1.05M.

## SEC filing metadata
- accession: 0001493152-23-041060
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2023-11-14T23:59:59+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315223041060/0001493152-23-041060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315223041060/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-23-041060
- JSON: https://secwatch.observer/filing/0001493152-23-041060.json
- Plain text: https://secwatch.observer/filing/0001493152-23-041060.txt

## Key facts
- Earnings Releases
  SHF Holdings, Inc. updated its three- and nine-month results for the period ended September 30, 2023 guidance (raised).
  - Period: three- and nine-month results for the period ended September 30, 2023
  - Guidance: raised
  - Result: reported results
  source text: SHF Holdings, Inc., d/b/a/ Safe Harbor Financial (“Safe Harbor” or the “Company”) (NASDAQ: SHFS) , a leader in facilitating financial services and credit facilities to the regulated cannabis industry, announced today its three- and nine-month results for the period ended September 30, 2023 (“Q3 2023”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1854963/000149315223041060/0001493152-23-041060-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.