UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _________to _________ Commission File Number 001-40524 SHF Holdings, Inc. (Exact Name of Registrant as Specified in Its Charter) Delaware 86-2409612 (State or other jurisdict ...

Exhibit 99.1 Safe Harbor Financial Announces Fourth Quarter and Year-End 2023 Results —Record annual revenue increased 85.3% year-over-year to $17.6 million in 2023 —Loan Book Value increased 194.2% to $55.6 million in 2023, up from $18.9 million year-over-year —Has facilitated more than $21.5 billion in deposit activity across 41 states since inception GOLDEN, Colo., April 1, 2024 — SHF Holdings, Inc., d/b/a/ Safe Harbor Financial (“Safe Harbor” or the “Company”) (NASDAQ: SHFS), a leader in facilitating fi ...

SHF Holdings Inc. (NASDAQ:SHFS) Q3 2023 Earnings Conference Call November 14, 2023 4:30 PM ET Company Participants Erika Kay - KCSA Strategic Communications Sundie Seefried - Founder & CEO James Dennedy - Chief Financial Officer Conference Call Participants William Waller - M3F, Inc. Operator Good afternoon. My name is Krista, and I'll be your conference operator today. At this time, I would like to welcome everyone to the Safe Harbor Financial Third Quarter 2023 Earnings Call. [Operator Instructions]. I w ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______to_______ Commission File Number: 001-40524 SHF Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 86-2409612 (State or other juri ...

财务数据和关键指标变化 - 第二季度总收入为460万美元,同比增长超过145% [37] - 第二季度调整后EBITDA为85万美元,同比增长50.9% [47] - 现金及现金等价物为820万美元,较2022年12月31日的840万美元略有下降 [48] - 预计2023年全年收入将在1530万美元到1630万美元之间 [49] 各条业务线数据和关键指标变化 - 存款业务方面,第二季度存款总额增长36%至11亿美元,活跃账户数增长64.5%至1002个 [19] - 贷款业务方面,第二季度新增贷款1500万美元,贷款利息收入和费用占总收入的比重从2022年第二季度的7%增加至2023年第二季度的12% [28][30] 各个市场数据和关键指标变化 - 公司正在积极拓展全国性贷款机会,第二季度贷款管线超过3亿美元 [28] - 公司与Five Star Bank的新合作关系,使公司能够提供更多产品选择,包括计息货币市场账户和更多贷款选择 [21][24] 公司战略和发展方向及行业竞争 - 公司正在聚焦于与更大型的区域性金融机构合作,以获得更大的资产负债表增长机会 [23][24] - 公司正在积极拓展贷款业务,并增加相关人员,预计未来贷款业务将成为公司收入的更大贡献者 [30] - 公司终止了与Central Bank of Arkansas的合作关系,以专注于与更大型区域性金融机构的合作 [23][24] 管理层对经营环境和未来前景的评论 - 管理层对公司的长期成功充满信心,认为公司的专有金融服务平台和规模扩张能力将确保公司持续成功 [14] - 管理层预计即使在SAFE Banking Act通过后,大麻银行业务的复杂性也将持续,这将有利于公司的持续发展 [14] - 管理层认为公司的贷款业务将成为未来收入的更大贡献者 [30] 其他重要信息 - 公司扩大了社会公平计划,为受大麻禁令和执法不公影响的企业家提供20%的账户申请和月费折扣 [32][33] - 公司正在采取措施提高运营效率,以应对与Central Bank of Arkansas合作关系终止可能带来的收入下降 [26][27] 问答环节重要的提问和回答 无

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______to_______ Commission File Number: 001-40524 SHF Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 86-2409612 (State or other jurisdict ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from _______to_______ Commission File Number: 001-40524 SHF Holdings, Inc. (Exact name of registrant as specified in its charter) Delaware 86-2409612 (State or other jurisdictio ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __________ to __________ Commission File Number 001-40524 SHF Holdings, Inc. (Exact Name of Registrant as Specified in Its Charter) Delaware 86-2409612 (State or other jurisd ...