Safe Harbor Q4 rev $2.1M (+12% sequential); FY25 revenue down 50% to $7.7M

SHF Holdings, Inc.

Q4 2025 total revenue $2.1M, up 12% sequentially; loan program income $0.9M, up 71%.
Full year revenue $7.7M, down 50% from $15.2M in 2024 on lower loan income and account activity.
Debt eliminated in Sep 2025 recap; total debt $0 vs $18.3M at Dec 2024; cash $6.8M, up 192%.
Majority of material weaknesses remediated; PCCU CAA extended through 2031 at up to 65% income share.
Filed 12b-25 for late 10-K; audit ongoing, expects to file within 15-day extension.

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