---
schema_version: "secwatch.filing_event.v1"
accession: "0001493152-25-022010"
form_type: "8-K"
ticker: "SHFS"
cik: "0001854963"
company_name: "SHF Holdings, Inc."
filed_at: "2025-11-12T23:59:59+00:00"
generated_at: "2026-05-16T21:34:58.733125+00:00"
event_type: "other_material"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Safe Harbor Financial reports Q3 net profit, $24M recap, $6.8M cash

## Summary
- Completed $24M recapitalization eliminating $19M debt; Nasdaq compliance re-established.
- $6.8M cash as of Sep 30, fully received by Oct 8, funding next 12 months.
- Q3 net income $179,508 ($0.06 diluted EPS) including $3.3M gain on settlement.
- Average deposit balances $108M (+6% QoQ); active accounts 774 (+2% QoQ).
- CEO Terry Mendez presenting at Trickle Research Conference Nov 13, to discuss growth strategy.

## SEC filing metadata
- accession: 0001493152-25-022010
- form_type: 8-K
- ticker: SHFS
- cik: 0001854963
- company_name: SHF Holdings, Inc.
- filed_at: 2025-11-12T23:59:59+00:00
- event_type: other_material
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1854963/000149315225022010/0001493152-25-022010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1854963/000149315225022010/form8-k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001493152-25-022010
- JSON: https://secwatch.observer/filing/0001493152-25-022010.json
- Plain text: https://secwatch.observer/filing/0001493152-25-022010.txt

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