Every material Form 8-K SHF Holdings, Inc. has filed with the SEC since October 06, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Safe Harbor reported third-quarter 2026 revenue of $1.95 million, up 6.5%, while swinging to a net loss of approximately $979,000 from net income a year earlier that included a $3.34 million debt extinguishment gain. The company also disclosed a nonbinding term sheet with Opifex Media Inc. under which Opifex security holders would own about 85% of the combined company, and the company's common share count rose sharply after Series B conversions, which shareholders should weigh against these results.
Q3 2026 revenue was $1.95 million, up from $1.83 million; net loss was approximately $979,000, or $0.95 per share, versus net income of approximately $180,000 in Q3 2025.
Nonbinding term sheet with Opifex Media Inc. signed October 23, 2026; Opifex holders would own approximately 85% of the combined company's fully diluted shares, with the Safe Harbor share adjustable from 12.5% to 17.5%.
Series B conversion price reset to $0.1210 on October 22, 2026; common shares outstanding rose from 1,028,702 on September 30 to 132,248,520 on November 6, 2026.
Nasdaq granted an additional period through April 19, 2027 to regain compliance with the $1 minimum bid price; cash was $4.4 million at September 30, 2026, and the filing includes a going concern disclosure.
SHF Holdings, doing business as Safe Harbor, signed a non-binding term sheet on October 26, 2026 under which Opifex Media Inc. would become a wholly owned subsidiary in a transaction expected to be accounted for as a reverse acquisition. Opifex security holders would own 85% of the combined company and existing Safe Harbor holders 15%, on a fully diluted basis before capital raised at closing, and the term sheet does not obligate either party to complete the deal. The filing also disclosed that Series B preferred conversions issued shares exceeding 5% of common stock outstanding, adding to dilution for existing shareholders.
Non-binding term sheet signed October 26, 2026; Opifex would merge into a newly formed subsidiary of Safe Harbor and holders would receive Safe Harbor common stock.
Opifex holders would own 85% and existing Safe Harbor holders 15% at closing, with the Safe Harbor share adjustable within 12.5% to 17.5%.
From July 1 to October 23, 2026, 23,914,988 common shares were issued on conversion of 6,545 Series B preferred shares for no additional consideration; 24,942,735 shares were outstanding as of October 23, 2026.
Nasdaq granted an additional compliance period through April 19, 2027 to regain the $1.00 minimum bid price requirement; the term sheet contemplates a 45-day exclusivity period.
Safe Harbor Financial (SHF Holdings, Inc., Nasdaq: SHFS) received a Nasdaq letter granting an additional 180 calendar days, until April 19, 2027, to regain compliance with the $1.00 minimum bid price requirement. The company's shares will continue to trade on The Nasdaq Capital Market, but if it does not regain compliance by that date, Nasdaq will provide written notice of delisting, and the company may appeal to a Nasdaq Hearings Panel.
Nasdaq's extension follows an initial compliance period that ran through October 19, 2026; Nasdaq first notified the company on April 22, 2026.
Regaining compliance requires a closing bid price of at least $1.00 per share for 10 consecutive business days.
The company intends to monitor its share price and may effect a reverse stock split if necessary.
The company states there can be no assurance that it will regain or maintain compliance with Nasdaq listing standards.
Safe Harbor said preliminary, unaudited trailing 14-day average client deposits were $119.3 million as of September 30, 2026, up 7.4% from $111.1 million a year earlier and the highest quarter-end level since April 2024. The company stresses these deposits belong to clients, are held at partner banks, and are not its revenue or balance-sheet assets, and it will report full third quarter results at a later date.
Trailing 14-day average client deposits were approximately $119.3 million at September 30, 2026, versus $111.1 million at September 30, 2025.
Deposits rose about 9.6% sequentially from $108.9 million at June 30, 2026, after a 4.1% increase in the second quarter.
The company estimates the September 16, 2026 Federal Reserve 25-basis-point rate increase will add about $150,000 in annualized investment income, based on current balances and arrangements.
Figures are preliminary and unaudited; full third quarter 2026 financial results will be reported at a later date to be announced.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
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