Shf Holdings, Inc. · NASDAQ:SHFS
Shf — Investor Presentation (November 2025)
14 slides from Shf's investor presentation, Nov 13, 2025
Slide 1: Investor Presentation
Investor Presentation November 13, 2025 Nasdaq: SHFS 1
Slide 2: Forward Looking Statement
Forward Looking Statement This presentation (this "Presentation") has been prepared by SHF Holdings, Inc. (the "Company") and is being presented in reliance on your representation that you are a qualified institutional buyer or an institutional accredited investor as such terms are defined in the fe
Slide 3: Safe Harbor is building the compliant fintech operating system for the cannabis industry
Safe Harbor is building the compliant fintech operating system for the cannabis industry, transforming how businesses bank, borrow, operate and grow.
Slide 4: About Safe Harbor
About Safe Harbor One of the first compliant cannabis banking SHF Holdings platforms in the U.S., launched in 2015. We set the NASDAQ: SHFS standard. Stock Price 11/11/25 $2.02 Scaled fintech platform nationally Over $26B Market Cap 11/11/25 $6.2 million processed, 770+ CRB accounts, $108M under man
Slide 5: Why invest in Safe Harbor?
Why invest in Safe Harbor? SHFS the Nasdaq Listing SHFS the Business Executing on our Growth Strategy! We have on- Proven industry pioneer with hundreds of long-standing boarded one of the largest indoor grows in California, won back a trusted clients. dispensary chain in Florida, and one of the lar
Slide 6: FI - Market Size
FI - Market Size State Chartered FIs Serving CRBs, 683 With only 8% of U.S. financial institutions serving the cannabis National Banks & Federal Credit Unions, market, the industry remains highly 3,721 underpenetrated, presenting an opportunity for Safe Harbor. State Chartered FIs Not Serving CRBs,
Slide 7: CRB Market Size
CRB Market Size Market Overview • The U.S. cannabis market is projected to reach $76B by 2030. • Assuming an average EBITDA margin of 10–15%, up to $64.6B will be spent on employees, contractors, supplies, packaging, infrastructure, maintenance, and consulting — representing significant financial ac
Slide 8: The Opportunity
The Opportunity We are building the compliant fintech operating system for the cannabis industry, transforming how businesses bank, borrow, operate and grow. • For Financial Institutions We are reducing FI cost, risk, and complexity while increasing their deposit retention & efficiency ratio through
Slide 9: Hub & Spoke Opportunity
Hub & Spoke Opportunity A strong lending platform serves as an accelerant for Banking growth in banking, managed services, consulting – and FIs. Cross-sell specialized financial Infrastructure Partners and operational solutions. Maximize share of client spend, retention (“stickiness”) Managed Lendin
Slide 10: How We'll Get There
How We’ll Get There EXPAND DIVERSIFY CROSS SELL FINANCIAL SCALE GROW REVENUE ACROSS THE INSTITUTION DEPOSITS LENDING SOURCES PLATFORM PARTNERSHIPS Only 8% of Financial Increase deposits Create the lending Grow fee-based income Drive greater share of Institutions in the through direct new FI tree of
Slide 11: Accomplishments... Past 8 Months
Accomplishments... Past 8 Months Client & Deposit Growth: Reversed customer attrition and resumed new CRB growth on the Safe Harbor platform. Active accounts +2% Q3/Q2 and +4% Y/Y Average deposit balances +11% Q3/Q1 Capital Structure Raised $6.8 million, eliminated $19 million in debt, and completed
Slide 12: Experienced Management Team
Experienced Management Team Terry Mendez Mike Regan Jeffrey Kay Chief Executive Officer Chief Investment & Strategy Officer Chief Marketing Officer • CEO since February 2025, driving strategy • Leads capital strategy and product • Leads marketing strategy, brand, growth, and scale at Safe Harbor. in
Slide 13: Why invest in Safe Harbor?
Why invest in Safe Harbor? SHFS the Nasdaq Listing SHFS the Business Executing on our Growth Strategy! We have on- Proven industry pioneer with hundreds of long-standing boarded one of the largest indoor grows in California, won back a trusted clients. dispensary chain in Florida, and one of the lar
Slide 14: Thank You
Thank You Mike Regan Phil Carlson Chief Investment & Strategy Officer KCSA Strategic Communications O: 720.826.6282 O: 212.896.1233 E: michael.regan@shfinancial.org E: pcarlson@kcsa.com 14
SHF Holdings, Inc. (Safe Harbor) — Investor Presentation (November 2025) on 6ix