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SHF
SHF (SHFS) investor relations material
SHF Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary12 Nov, 2025
Executive summary
Revenue for Q3 2025 was $1.83M, down 47% year-over-year, with a net income of $0.18M compared to $0.35M in Q3 2024.
Nine-month revenue was $5.6M, a 51% decrease from the prior year, and a net loss of $1.58M versus a $3.35M profit in 2024.
Major capital restructuring included the issuance of Series B Convertible Preferred Stock and Warrants, raising $24.8M in equity and eliminating $10.75M in debt.
The company regained Nasdaq compliance by increasing stockholders' equity to $7.0M as of September 30, 2025.
Financial highlights
Q3 2025 revenue declined 47% year-over-year, primarily due to lower account fee and loan interest income.
Operating expenses for Q3 2025 decreased 7.7% year-over-year, reflecting cost-reduction initiatives.
Adjusted EBITDA for Q3 2025 was $(0.62)M, down from $0.76M in Q3 2024; nine-month Adjusted EBITDA was $(2.8)M.
Cash and cash equivalents were $0.9M at quarter-end, with no material debt outstanding.
Outlook and guidance
Management expects continued cost reductions and improved cash generation as operational efficiencies take hold.
Existing cash and access to a $150M equity line of credit are expected to fund operations for at least 12 months.
PCCU CAA's long-term revenue impact?
ELOC's Series B redemption implications?
PCCU activity fee revenue control risk?
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Next SHF earnings date
Q4 202530 Mar, 2026
SHF
Next SHF earnings date
Q4 202530 Mar, 2026
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Frequently asked questions
SHF Holdings Inc. provides financial services and banking solutions tailored to the cannabis industry. The company offers a range of services, including deposit accounts, cash management, lending, and compliance solutions, specifically designed to meet the needs of cannabis-related businesses that face challenges accessing traditional banking services. SHF Holdings works to ensure regulatory compliance while offering secure and reliable financial services to cannabis operators, facilitating smooth financial operations within this highly regulated industry. The company is headquartered in Golden, Colorado, and its shares are listed on the NASDAQ.
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