DATE: June 5th TIME: 2:30 pm Eastern LINK: https://bit.ly/3QVIu08 If attendees are not able to join the event live on the day of the conference, an archived webcast will also be made available after the event. It is recommended that online investors pre-register and run the online system check to expedite participation and receive event updates. Learn more about the event at www.virtualinvestorconferences.com. Recent Company Highlights GOLDEN, Colo., May 30, 2024 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/ ...

SHF Holdings Inc. (NASDAQ:SHFS) Q1 2024 Earnings Conference Call May 13, 2024 4:30 PM ET Company Participants Erika Kay - KCSA Strategic Communications Sundie Seefried - Founder and CEO James Dennedy - CFO Conference Call Participants Operator Thank you for standing by. My name is Benjamin and I will be your conference operator today. At this time, I would like to welcome everyone to Safe Harbor Financial First Quarter 2024 Earnings Call. All lines have been placed on mute to prevent any background noise. A ...

Exhibit 99.1 Safe Harbor Financial Announces First Quarter 2024 Results —Net Income increased 245% year-over-year to approximately $2.0 million in the first quarter of 2024 —Adjusted EBITDA increased 165.3% to approximately $1.1 million —Operating Expenses decreased 35.8% versus the same period in 2023 GOLDEN, Colo., May 13, 2024 — SHF Holdings, Inc., d/b/a/ Safe Harbor Financial ("Safe Harbor" or the "Company") (NASDAQ: SHFS), a leader in facilitating financial services and credit facilities to the regulat ...

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, 2024 ☐ 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) (State or other jurisdiction of incorporation o ...

SHF Holdings Inc. (NASDAQ:SHFS) Q4 2023 Earnings Conference Call April 1, 2024 4:30 PM ET Company Participants Erika Kay - KCSA Strategic Communications Sundie Seefried - Founder & CEO James Dennedy - Chief Financial Officer Conference Call Participants Operator Good afternoon and welcome to the Safe Harbor Financial Q4 2023 Earnings Call. Please note that this call is being recorded. All participants are now in listen-only mode. After the speakers’ remarks there will be a question-and-answer session. [Oper ...

Financial Performance - For the fiscal year ending December 31, 2023, the Company reported a total revenue of $17,562,903, an increase of 85.29% compared to $9,478,819 in 2022[199]. - The Company recognized an Adjusted EBITDA of $3,626,411 for 2023, a significant increase from $1,302,093 in 2022[182]. - Operating expenses surged to $38,275,222 in 2023, a 227.79% increase from $11,676,659 in 2022, primarily due to higher compensation and employee benefits[204]. - The Company reported total revenue of $13,836,703 for the year ended December 31, 2023, compared to $8,823,608 for the year ended December 31, 2022, reflecting a significant increase[242]. - Loan interest income grew to $2,972,434 in 2023, a 163.01% increase from $1,130,178 in 2022[199]. - The Company incurred an operating loss of $20,712,319 for the year ended December 31, 2023, with cash used in operations amounting to $832,144, compared to cash provided by operations of $1,697,380 in 2022[213][210]. Banking Services and Operations - The Company provides a range of banking services to Cannabis Related Businesses (CRBs), including business checking and savings accounts, cash management accounts, and commercial lending[160]. - The Company’s proprietary platform enhances financial insight for CRBs, allowing them to operate more efficiently in a cash-intensive industry[160]. - The Company serviced 22 loans in 2023, up from 11 loans in 2022, indicating a focus on expanding its lending operations[202]. - The Company anticipates continued growth in account activity and lending as it focuses on enhancing its lending platform[192]. - The Company’s capacity for CRB related loans at 60% of PCCU's net worth was $77,610,599 as of December 31, 2023, down from $96,683,385 in 2022[242]. Strategic Agreements - The Company entered into a Commercial Alliance Agreement with PCCU on March 29, 2023, to govern lending-related and account-related services[170]. - Under the Commercial Alliance Agreement, the Company is obligated to remit 25% of investment hosting fees to PCCU based on incremental revenue of $549,000 recognized in Q4 2023[240]. - The Commercial Alliance Agreement includes a fee structure where SHF-serviced loans incur a yearly fee of 0.25% and loans financed and serviced by PCCU incur a fee of 0.35%[238]. - The Commercial Alliance Agreement has an initial term of two years with a one-year automatic renewal unless terminated with 120 days' notice[239]. Financial Position and Capital - As of December 31, 2023, the company reported cash and cash equivalents totaling $4,888,769, a decrease from $8,390,195 as of December 31, 2022[209]. - The company reported a net working capital deficit of $135,355 as of December 31, 2023, raising concerns about its ability to continue as a going concern for at least twelve months[213][214]. - CRB related deposits decreased from $161,138,975 on December 31, 2022, to $129,350,998 on December 31, 2023, indicating a decline in available capital[242]. - The Company’s net worth decreased from $133,231,565 on December 31, 2022, to $81,087,746 on December 31, 2023, reflecting a significant reduction in financial strength[242]. Compliance and Internal Controls - The Company has successfully navigated 16 state and federal banking exams, ensuring compliance in a highly regulated environment[161]. - The Company has identified three material weaknesses in internal controls related to Revenue Recognition, Complex Financial Instruments, and Credit Losses as of December 31, 2023[232]. Impairments and Adjustments - The impairment of goodwill and long-lived intangible assets amounted to $18,907,739 in 2023, reflecting a 100% increase from zero in 2022[204]. - The company recognized a goodwill impairment of $13.2 million and impairments of $1,865,668 for market-related intangible assets and $1,814,795 for customer relationships during the interim assessment[226]. - The forward purchase agreement's receivable value decreased from $37.9 million to $4.6 million due to a reset price adjustment influenced by stock trading values[224]. - The company has adopted the modified retrospective method for credit loss provisioning, resulting in a decrease in provisions[208]. Revenue Recognition Changes - A strategic change in Q4 2023 led to an additional $549,000 in revenue due to a new method for calculating interest on customer deposit balances[218]. - The Company has adopted Federal Reserve's interest rates for customer deposits, leading to a strategic shift in revenue recognition starting from Q4 2023[240].

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 | | --- | --- | ...

SHF Holdings Inc. (NASDAQ:SHFS) Q2 2023 Results Conference Call August 14, 2023 4:30 PM ET Company Participants Erika Kay - KCSA Strategic Communications Sundie Seefried - Founder & CEO James Dennedy - Chief Financial Officer Operator Greetings, and welcome to Safe Harbor Financial's Second Quarter 2023 Earnings Conference Call. As a reminder, this conference is being recorded. It is now my pleasure to turn the call over to Erika Kay from KCSA. Thank you. Erika Kay You may begin. Thank you. Good afternoon, ...