****Sponsored by Virtus Media Group, LLC
2024 Revenue was approximately $15.2 million
Over the past seven years, Safe Harbor has processed more than $12 billion in transactions across 20 states with regulated cannabis markets
FINVIZ has the float UNDER 2 MILLION
READ THE INVESTOR PRESENTATION HERE
________________________
Hello Everyone,
We have something brand new for you for today’s session. Best we can find, this one has a tiny float and has moved in the past……. like just a few days ago.
SHFS is on our radar right now and it has been moving since it just hit bottom days ago.
Trump signed an executive order in December 2025 to reclassify marijuana as less dangerous (Schedule I → Schedule III). That’s a big deal because it can make weed businesses look less illegal at the federal level and potentially help with things like taxes, research, and banking access.
At the core of Safe Harbor Financial is a compliance-focused banking platform designed specifically for the regulated cannabis industry. The company provides secure, transparent financial services for cannabis, hemp, CBD, and ancillary businesses through a network of trusted banking partners. Unlike traditional financial institutions that often avoid the sector, Safe Harbor specializes in meeting the complex regulatory and risk management requirements unique to cannabis-related businesses. This approach helps operators access essential banking services while maintaining strict compliance with BSA and FinCEN guidance.
Safe Harbor’s platform supports a wide range of financial needs for cannabis-related businesses:
- Banking & Payments: Enables compliant access to deposit accounts, electronic payments, and cash management solutions for licensed operators.
- Compliance & Monitoring: Provides robust monitoring, reporting, and transparency tools to help financial institutions meet regulatory obligations.
- Risk Management: Supports banks and credit unions with industry-specific risk mitigation processes tailored to cannabis regulations.
These services help ensure that regulated cannabis businesses can operate safely and efficiently within the financial system.
Over the past seven years, Safe Harbor has processed more than $12 billion in transactions across 20 states with regulated cannabis markets. This history reflects the company’s experience in navigating complex regulations while supporting the growth of a rapidly evolving industry.
Safe Harbor continues to refine and expand its services to meet the changing needs of the cannabis financial ecosystem. Through technology enhancements, regulatory expertise, and strategic partnerships, the company aims to support broader adoption of compliant cannabis banking as the industry matures.
Safe Harbor Expands Client Offerings With Cannabis Insurance Solutions Through Partnerships With Frontier Risk and AlphaRoot
Strategic partnerships introduce insurance as a new service category and complementary revenue stream within the Safe Harbor Advantage Partner Network
DENVER, Jan. 14, 2026 (GLOBE NEWSWIRE) — SHF Holdings, Inc., d/b/a Safe Harbor (the “Company”) (NASDAQ: SHFS), a fintech leader in providing banking, lending and financial services to the regulated cannabis and hemp industries, announced the expansion of its client offerings to include cannabis-specific insurance solutions through strategic partnerships with Frontier Risk and AlphaRoot. The new insurance capabilities are delivered through the Safe Harbor Advantage Partner Network and represent one of several new service categories the Company plans to introduce as it builds a broader ecosystem of curated, compliant solutions for cannabis operators.
Through these partnerships, Safe Harbor clients will gain streamlined access to tailored insurance products, including property, workers compensation, general liability, product liability and other risk management solutions critical to operating and scaling compliant cannabis businesses. For Safe Harbor, the introduction of insurance solutions creates a new, complementary revenue stream while deepening client relationships and increasing retention by offering a more comprehensive suite of services. “Safe Harbor was built to solve the most complex financial challenges facing the cannabis industry, and that mission extends beyond banking,” said Terry Mendez, CEO of Safe Harbor. “By adding cannabis-specific insurance solutions through trusted partners like Frontier Risk and AlphaRoot, we are taking another step toward delivering an end-to-end financial services platform that helps our clients bank, borrow, operate and grow — all within a compliant, transparent framework. This is a natural evolution of our strategy and an important foundation for future service expansions.”
The partnerships with Frontier Risk and AlphaRoot further strengthen Safe Harbor’s ability to deliver industry-specific solutions that align with evolving regulatory expectations while supporting long-term client growth and resilience.
The addition of insurance solutions represents a meaningful expansion of Safe Harbor’s platform beyond traditional banking and supports the Company’s continued growth of its Advantage Partner Network into a scalable, fintech-driven ecosystem purpose-built for the cannabis industry.
Safe Harbor Financial Poised to Gain from Cannabis Rescheduling and SAFER Banking Act
DENVER, Dec. 18, 2025 (GLOBE NEWSWIRE) — SHF Holdings, Inc., d/b/a Safe Harbor Financial (Safe Harbor or the “Company”) (Nasdaq: SHFS), a fintech leader in providing financial services and credit facilities to the regulated cannabis industry, issued the following statement regarding the potential federal rescheduling of cannabis.
The Company anticipates that the potential rescheduling of cannabis to Schedule III and the potential encouragement for the passage of the SAFER Banking Act would each have a positive impact on Safe Harbor’s business and its clients:
- Schedule III and the SAFER Banking Act should encourage more than 4,700 state-chartered banks and credit unions (FIs) not banking cannabis related businesses (CRBs) to reconsider, potentially expanding Safe Harbor’s total addressable market. Safe Harbor’s Fully Managed turnkey compliance service lets FIs quickly, compliantly, and profitably serve CRBs in 41 states and territories. Even if SAFER Banking passes, CRBs would still require enhanced compliance with specialized expertise and infrastructure that Safe Harbor has built and implemented for the past 10 years.
- Under Schedule III, the 280E taxes paid by Safe Harbor’s CRB clients would be replaced by a normal tax regime, which could materially improve the Company’s clients’ retained cash flows. Safe Harbor’s investment income and loan capacity are driven by CRB client balances.
- Interest expense would become tax-deductible, reducing the after-tax cost of debt for CRBs, which could enable them to borrow more money from lenders like Safe Harbor’s financial institutions. Safe Harbor earns interest income on CRB loans.
“Rescheduling cannabis to Schedule III should benefit Safe Harbor Financial because we help financial institutions service the cannabis industry, and earn income based on the assets we manage on their behalf. The potential passage of the SAFER Banking Act should also expand the total available market for Safe Harbor. As such, any encouragement by President Trump to pass the SAFER Banking Act is welcome,” said Terrance Mendez, CEO of Safe Harbor.
NEWS
Jan 14, 2026
Safe Harbor Bolsters Lending Capabilities and Client Experience with Strategic Leadership Hires
Dec 30, 2025
Dec 23, 2025
Dec 18, 2025
Safe Harbor Financial Poised to Gain from Cannabis Rescheduling and SAFER Banking Act
Dec 18, 2025
Safe Harbor Launches New Payroll Cashflow Solution and Announces Major Banking Win with Canopy HR
Dec 9, 2025
Safe Harbor Launches Cannabis Industry’s First Complete Financial Solutions Platform
Nov 17, 2025
Safe Harbor Financial to Present at Trickle Research Microcap Conference on November 13
Nov 12, 2025
Nov 10, 2025
Nov 6, 2025
Sep 2, 2025
Safe Harbor Financial CEO Terry Mendez to Speak on Cannabis Banking Future at PBC Conference 2025
Jul 23, 2025
Safe Harbor Financial to Participate in he Benzinga Cannabis Capital Conference on June 8–10, 2025
Jun 6, 2025
May 29, 2025
Management
Fred Niehaus
Chairman of the Board
Fred Niehaus is Managing Partner of Interactive Global Solutions, an international government relations/public affairs and business development firm that brings proven experience and successful advocacy to companies, sovereigns and organizations across the globe. His previous experience has included serving as a Global SVP for First Data Corporation and the Western Union Company from 2003 through 2011. In this capacity, Mr. Niehaus was responsible for developing and implementing strategies to reach various corporate constituencies – including legislators, policy makers, regulators, attorneys general, community groups and consumers – while shaping emerging global public policy issues and trends that impacted the company’s operations and reputation. In 1991, he founded and served as President and Managing Partner of InterMountain Corporate Affairs, a Colorado-based public affairs firm, serving as advisor to CEOs and key corporate staff of fortune companies across the United States. From 1987 to 1992, Mr. Niehaus served as Colorado Governor Roy Romer’s Special Assistant for Economic Development and Director of OED.
Terry Mendez
CEO & Board Member
Terry Mendez has been the CEO of Safe Harbor Financial since February 2025. He has extensive experience in strategic planning and operational transformation within the information technology and cannabis industries. In his role as founder of Amos Advisory Solutions, Mr. Mendez served as the CEO of both single-state and multi-state cannabis operators successfully leading turnaround efforts. Terry began his career in public accounting with Arthur Andersen and Deloitte & Touche. Previously, he served as the vice president of Finance and global chief accounting officer for Hitachi Vantara, a subsidiary of Hitachi, overseeing 52 countries.
Sundie Seefried
Independent Director
Sundie Seefried is the founder and former CEO of Safe Harbor Financial, a position she held from July 2021 through February 2025. Prior to joining SHF, Ms. Seefried served as the Chief Executive Officer of PCCU from 2001 until June 2021 and as the Chief Executive Officer of Eagle Legacy Services, LLC from January 2020 until March 2021. Ms. Seefried previously served as a board member of the Colorado Division of Financial Services from 2019 until 2021, and as a board member of the Credit Union Association from 2007 until 2015. Ms. Seefried received her Bachelor of Science in Business Management from the University of Maryland and her Master of Business Administration from Regis University, Colorado
Skip Braun
Independent Director
Francis A. (Skip) Braun III has served as a consultant to Kohlberg Kravis Roberts & Co. L.P. from July 2024 to July 2025, a senior advisor to Stout since April 2024, and as a member of CrossCountry Consulting’s advisory counsel since February 2024. Mr. Braun has also served as a director of Crown Bank in New Jersey since October 2024 and is the chairman of the bank’s audit committee. From December 2016 to July 2023, Mr. Braun served as a Partner at Grant Thornton LLP. Mr. Braun is considered a financial expert under the Sarbanes-Oxley rules and has 40 years of diversified experience serving public and private companies during his time in public accounting with Arthur Andersen LLP, Deloitte & Touche LLP and Grant Thornton LLP. He holds a Bachelor of Science in Commerce, Accounting from Rider University.
Richard Carleton
Independent Director
Richard Carleton has served as CEO of the Canadian Securities Exchange since July 2011. During his tenure, Mr. Carleton and the CSE team have positioned the exchange to play a leading role in the provision of public capital to entrepreneurial companies. Since 2014, the CSE has set a series of records for new listings, capital raised by issuers and trading turnover. An early advocate for the cannabis industry, the CSE is the global exchange leader in the sector. Recognized by the Financial Post Magazine as one of Canada’s “25 Cannabis Industry Power Players,” and a recipient of the American Trade Association for Cannabis and Hemp’s “Captain of Industry” Award in November 2018, Mr. Carleton is a frequent speaker on early-stage company finance issues around the world. In addition to his responsibilities with the CSE, Mr. Carleton is a director of two private companies: Tetra Trust Company, Canada’s first qualified custodian for cryptocurrency assets; and Blue Ocean ATS, LLC, a US broker dealer that operates an ATS providing after hours trading in US equities. He was also recently named to the Ontario Securities Commission’s “Market Structure Advisory Committee.” A member of the Law Society of Ontario since 1987, Mr. Carleton is a graduate of the University of Ottawa (B.A. ’81) and the University of Toronto (LL.B. ’85).
SINCERELY,
DISCLAIMER
THIS WEBSITE/NEWSLETTER IS OWNED SUBSIDIARY BY DEDICATED INVESTORS, LLC.
OUR REPORTS/RELEASES ARE A COMMERCIAL ADVERTISEMENT AND ARE FOR GENERAL INFORMATION PURPOSES ONLY. WE ARE ENGAGED IN THE BUSINESS OF MARKETING AND ADVERTISING COMPANIES FOR MONETARY COMPENSATION. WE HAVE BEEN COMPENSATED A FEE OF TWENTY THOUSAND USD BY VIRTUS MEDIA GROUP LLC FOR A ONE DAY SHFS AWARENESS CAMPAIGN. NEVER INVEST IN ANY STOCK FEATURED ON OUR SITE OR EMAILS UNLESS YOU CAN AFFORD TO LOSE YOUR ENTIRE INVESTMENT. THE DISCLAIMER IS TO BE READ AND FULLY UNDERSTOOD BEFORE USING OUR SERVICES, JOINING OUR SITE OR OUR EMAIL/BLOG LIST AS WELL AS ANY SOCIAL NETWORKING PLATFORMS WE MAY USE.PLEASE NOTE WELL: DEDICATED INVESTORS LLC AND ITS EMPLOYEES ARE NOT A REGISTERED INVESTMENT ADVISOR, BROKER DEALER OR A MEMBER OF ANY ASSOCIATION FOR OTHER RESEARCH PROVIDERS IN ANY JURISDICTION WHATSOEVER.RELEASE OF LIABILITY: THROUGH USE OF THIS WEBSITE VIEWING OR USING YOU AGREE TO HOLD DEDICATED INVESTORS LLC, ITS OPERATORS OWNERS AND EMPLOYEES HARMLESS AND TO COMPLETELY RELEASE THEM FROM ANY AND ALL LIABILITY DUE TO ANY AND ALL LOSS (MONETARY OR OTHERWISE), DAMAGE (MONETARY OR OTHERWISE), OR INJURY (MONETARY OR OTHERWISE) THAT YOU MAY INCUR. THE INFORMATION CONTAINED HEREIN IS BASED ON SOURCES WHICH WE BELIEVE TO BE RELIABLE BUT IS NOT GUARANTEED BY US AS BEING ACCURATE AND DOES NOT PURPORT TO BE A COMPLETE STATEMENT OR SUMMARY OF THE AVAILABLE DATA. DEDICATED INVESTORS LLC ENCOURAGES READERS AND INVESTORS TO SUPPLEMENT THE INFORMATION IN THESE REPORTS WITH INDEPENDENT RESEARCH AND OTHER PROFESSIONAL ADVICE. ALL INFORMATION ON FEATURED COMPANIES IS PROVIDED BY THE COMPANIES PROFILED, OR IS AVAILABLE FROM PUBLIC SOURCES AND DEDICATED INVESTORS LLC MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES AS TO THE ACCURACY OR COMPLETENESS OF THE DISCLOSURE BY THE PROFILED COMPANIES. NONE OF THE MATERIALS OR ADVERTISEMENTS HEREIN CONSTITUTE OFFERS OR SOLICITATIONS TO PURCHASE OR SELL SECURITIES OF THE COMPANIES PROFILED HEREIN AND ANY DECISION TO INVEST IN ANY SUCH COMPANY OR OTHER FINANCIAL DECISIONS SHOULD NOT BE MADE BASED UPON THE INFORMATION PROVIDED HEREIN. INSTEAD DEDICATED INVESTORS LLC STRONGLY URGES YOU CONDUCT A COMPLETE AND INDEPENDENT INVESTIGATION OF THE RESPECTIVE COMPANIES AND CONSIDERATION OF ALL PERTINENT RISKS. READERS ARE ADVISED TO REVIEW SEC PERIODIC REPORTS: FORMS 10-Q, 10K, FORM 8-K, INSIDER REPORTS, FORMS 3, 4, 5 SCHEDULE 13D.DEDICATED INVESTORS LLC IS COMPLIANT WITH THE CAN SPAM ACT OF 2003. DEDICATED INVESTORS LLC DOES NOT OFFER SUCH ADVICE OR ANALYSIS, AND DEDICATED INVESTORS LLC FURTHER URGES YOU TO CONSULT YOUR OWN INDEPENDENT TAX, BUSINESS, FINANCIAL AND INVESTMENT ADVISORS. INVESTING IN MICRO-CAP AND GROWTH SECURITIES IS HIGHLY SPECULATIVE AND CARRIES AND EXTREMELY HIGH DEGREE OF RISK. IT IS POSSIBLE THAT AN INVESTORS INVESTMENT MAY BE LOST OR IMPAIRED DUE TO THE SPECULATIVE NATURE OF THE COMPANIES PROFILED.THE PRIVATE SECURITIES LITIGATION REFORM ACT OF 1995 PROVIDES INVESTORS A SAFE HARBOR IN REGARD TO FORWARD-LOOKING STATEMENTS. ANY STATEMENTS THAT EXPRESS OR INVOLVE DISCUSSIONS WITH RESPECT TO PREDICTIONS, EXPECTATIONS, BELIEFS, PLANS, PROJECTIONS, OBJECTIVES, GOALS, ASSUMPTIONS OR FUTURE EVENTS OR PERFORMANCE ARE NOT STATEMENTS OF HISTORICAL FACT MAY BE FORWARD LOOKING STATEMENTS. FORWARD LOOKING STATEMENTS ARE BASED ON EXPECTATIONS, ESTIMATES, AND PROJECTIONS AT THE TIME THE STATEMENTS ARE MADE THAT INVOLVE A NUMBER OF RISKS AND UNCERTAINTIES WHICH COULD CAUSE ACTUAL RESULTS OR EVENTS TO DIFFER MATERIALLY FROM THOSE PRESENTLY ANTICIPATED. FORWARD LOOKING STATEMENTS IN THIS ACTION MAY BE IDENTIFIED THROUGH USE OF WORDS SUCH AS PROJECTS, FORESEE, EXPECTS, WILL, ANTICIPATES, ESTIMATES, BELIEVES, UNDERSTANDS, OR THAT BY STATEMENTS INDICATING CERTAIN ACTIONS & QUOTE; MAY, COULD, OR MIGHT OCCUR. UNDERSTAND THERE IS NO GUARANTEE PAST PERFORMANCE WILL BE INDICATIVE OF FUTURE RESULTS. IN PREPARING THIS PUBLICATION, DEDICATED INVESTORS LLC HAS RELIED UPON INFORMATION SUPPLIED BY ITS CUSTOMERS, PUBLICLY AVAILABLE INFORMATION AND PRESS RELEASES WHICH IT BELIEVES TO BE RELIABLE; HOWEVER, SUCH RELIABILITY CANNOT BE GUARANTEED. INVESTORS SHOULD NOT RELY ON THE INFORMATION CONTAINED IN THIS WEBSITE. RATHER, INVESTORS SHOULD USE THE INFORMATION CONTAINED IN THIS WEBSITE AS A STARTING POINT FOR DOING ADDITIONAL INDEPENDENT RESEARCH ON THE FEATURED COMPANIES. THE ADVERTISEMENTS IN THIS WEBSITE ARE BELIEVED TO BE RELIABLE, HOWEVER, DEDICATED INVESTORS LLC AND ITS OWNERS, AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, REPRESENTATIVES AND AGENTS DISCLAIM ANY LIABILITY AS TO THE COMPLETENESS OR ACCURACY OF THE INFORMATION CONTAINED IN ANY ADVERTISEMENT AND FOR ANY OMISSIONS OF MATERIALS FACTS FROM SUCH ADVERTISEMENT. DEDICATED INVESTORS LLC IS NOT RESPONSIBLE FOR ANY CLAIMS MADE BY THE COMPANIES ADVERTISED HEREIN, NOR IS DEDICATED INVESTORS LLC RESPONSIBLE FOR ANY OTHER PROMOTIONAL FIRM, ITS PROGRAM OR ITS STRUCTURE. DEDICATED INVESTORS LLC IS NOT AFFILIATED WITH ANY EXCHANGE, ELECTRONIC QUOTATION SYSTEM, THE SECURITIES EXCHANGE COMMISSION OR FINRA.