Expanding Service Offerings - SHF Holdings has expanded its financial platform to include cannabis-specific insurance solutions through strategic partnerships, creating a potential new revenue stream beyond banking and lending.
Potential Benefits from Cannabis Rescheduling - If cannabis is rescheduled to Schedule III and banking reforms such as the SAFER Banking Act advance, demand for compliant financial services could increase, positioning SHFS to benefit.
Growth of Managed Cannabis Banking Solutions - The company’s managed cannabis banking programs have previously attracted strong interest, helping streamline compliance for financial institutions entering the cannabis sector.
Large Addressable Market Opportunity - As more state-chartered banks explore cannabis banking, SHFS could see growth opportunities by providing compliance-focused financial infrastructure to a broader market.


Strong Buying Support Is Emerging
With the stock now trading above its former support range, it has established a potential base
After a period of consolidation, SHFS rallied more than 12% over the past five sessions. The move was accompanied by higher trading volume and a push to new short-term highs, suggesting improving momentum.
The recent move above the former support zone has created a potential springboard for additional gains.
Key Level #1: $1.55 (+25%)
Key Level #2: $2.00 (+65.11%)
Key Level #3: $2.23 (+79.23%)
Potential Support: ~ $1.24
Safe Harbor is a leading provider of compliant banking solutions for cannabis, hemp, CBD, and ancillary businesses, supporting safer communities and local economic growth. Through its partners, the company serves regulated operators with the highest standards of transparency, monitoring, and risk management in line with BSA and FinCEN guidance.
Safe Harbor Financial (Nasdaq: SHFS) is focused on enhancing shareholder value through strong business performance, responsible practices, and clear, effective communication with individual and institutional investors, providing access to stock information, financial disclosures, and upcoming events, and trades on the Nasdaq under the ticker symbol SHFS.


The Safe Harbor Advantage
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.
Solutions for a Regulated Industry
Safe Harbor’s platform supports a wide range of financial needs for cannabis-related businesses:
These services help ensure that regulated cannabis businesses can operate safely and efficiently within the financial system.
Economic and Community Impact
By providing reliable access to financial services, Safe Harbor helps strengthen local economies, improve transparency, and support safer communities. The company’s platform reduces reliance on cash-based operations, improves regulatory oversight, and promotes long-term stability for both financial institutions and cannabis operators.
Proven Track Record
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.
Ongoing Platform Development
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.
Addressing Industry Challenges
The cannabis industry faces unique financial challenges due to complex regulatory requirements and limited access to traditional banking services. Safe Harbor’s platform is designed to address these barriers by offering structured compliance programs aligned with BSA and FinCEN guidance. By reducing reliance on cash-based operations and improving transparency, the company helps financial institutions and cannabis operators manage regulatory risk while supporting safer and more efficient business operations.
Expanding Toward Broader Market Adoption
With an established compliance framework and a growing partner network, Safe Harbor’s long-term strategy focuses on expanding access to regulated cannabis banking services across additional states and financial institutions. Continued platform development, regulatory expertise, and operational consistency are intended to support wider adoption as the industry matures. This approach positions the company to serve a broader segment of the cannabis financial ecosystem while maintaining strict compliance and risk management standards.


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 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 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


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 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).
Sources
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