Shf Holdings, Inc. · NASDAQ:SHFS
Shf — Investor Presentation (March 2024)
23 slides from Shf's investor presentation, Mar 14, 2024
Slide 1: Investor Presentation
March 13, 2024 Investor Presentation NASDAQ:SHFS
Slide 2: Disclaimers
Disclaimers “is presentatin this -Prosantaton’ hasbeen prepared slay or general vomatonl purposes by SHF Holdings. ne (tn “omnpary we "ue -0ur} No epretentaton ot waranty Seo the aeauay, comptes of fmest of uch Inlormatin i tina made bythe Company ary ater poten, an nether the Company ns any aber po
Slide 3: Disclaimers
Disclaimers “ho historical franca ifrmaton reparcng the Company contained he Presentation hes ben taken em or prepared ase on store ana lalemete, sch inal tested am caved operations of Paar Colrade Cet Union cPeoU 2028, ‘he nancial, peratanal, nd and mate plojectons,eeates an taal a this Presentatio
Slide 4: What We Do
What We Do Safe Harbor is a fintech platform with a stellar, 9-year track record of facilitating traditional banking and lending services to the US cannabis industry through our network of financial institution clients.
Slide 5: Who We Are
Who We Are The first Nasdaq listed company with compliant cannabis finance infrastructure ly Expertise in cannabis banking and lending leveraging a proprietary i? fintech platform Leadership and expert position in an underserved market with high barriers to entry and regulatory oversight National fo
Slide 6: The U.S. Cannabis Industry is Growing
The U.S. Cannabis Industry is Growing Projected Sales — Billions? 70% of Americans support full federal legalization? 74% of Americans live in a state where cannabis, is legal’ EEE LEGALIZATION- PS 38 States 24 States 16 States Medical use legal Adult-use legal Proposing Legislations 1, htpsifwu for
Slide 7: Many traditional financial institutions will not bank Cannabis-Related Businesses
Many traditional financial institutions will not bank Cannabis- Related Businesses (CRBs) High risk & high barriers to entry » No Safe Harbor: Potential for prosecution for providing CRBs with financial services » Illegal status: Conflicting state and federal laws regarding legalization » High barri
Slide 8: Proven & compliant cannabis finance infrastructure
Proven & compliant cannabis finance infrastructure MONTHLY COMPLIANCE, DEPOSITORY & TRANSACTION FEES, INVESTMENT & LOAN INCOME ONBOARDING Incoming FEES Financial Transactions Proprietary Safe Proprietary = Harbor Onboarding, Fintech Platform - Financial Cannabis Service & Compliance} Bank integratio
Slide 9: Revenue Growth Performance
Revenue Growth Performance’ Year over Year 2023 Quarterly Core Revenue? Reported Revenue? $4,582,783 325,662 $4,304,494 $17,562,903 $4,129,276 $4,325, Y $9,478,819 YE 2022 YE 2023 1023 2023 3023 4023, Core Revenue is a non-GAAP measurement. It reflects the strategic revenue on which the company focu
Slide 10: Revenue Composition by %
Ss YE 2022 2% Deposit activity fees Revenue Composition by % YE 2023 49 Loan interest Investment income and fees income Program licensing fees
Slide 11: Interest Income & Credit Growth
Interest Income & Credit Growth Msare 4 Year over Year Interest Income 2023 Quarterly Credit Growth $56,051,230 $2,972,434 +32: +163% 215.0%) $41,769,171 | 478.7% pa $1,130,178 WA ‘$20,504,720 2022 2023 1023 2023 3023 1. 2023 year end revenue cited is unaudited and unreported at this time. A strateg
Slide 12: Scaling Revenue
Scaling Revenue Present Revenue Streams “+ Investment Income on Deposits + Lending Fees for “ Origination *» Loan Interest Income + Loan Servicing “+ Deposit Account/Compliance/Onboarding Fees ** Transaction Fees (3 Party Processing) “+ Program Licensing Future Opportunities * New Loan Options - LOC
Slide 13: Growth & Expansion
Growth & Expansion Established National Footprint on which to scale @ Federal reserve accounts <SiM $26. 305M \ $46.8M —$35.2M @ su Le aM $9.8M ~<s14.3M 86.4 =H \sieom ($97.7 $16.6M $446.4 $49.1M $31.1M et Si4M \<siM $241M \ $23.4M 4M 12
Slide 14: Competitive Advantages
Competitive Advantages The first Nasdaq listed company with compliant cannabis banking and financial technology infrastructure Consistent performance: in 10th year of successfully providing access to financial services consistently to the cannabis industry Lending & depository service access: deposi
Slide 15: Organic Growth Strategy
Organic Increases in existing CRB Growth Strategy revenue and expanded use of fee-based services Gi | Bulk acquisition of client relationships through M&A and from Fis wanting to exit their service offering in this industry New commercial lending opportunity Providing access to capital at normalized
Slide 16: Commercial Lending Opportunity
Commercial Lending Opportunity Uniquely positioned to capture significant market share with industry-leading lending rates Lending Options The Safe Harbor Financial Four Ways to Lend Competitive Advantages 1. Lower cost of funds utilizing our own deposit base; 1. Direct on Fl Balance Sheet against a
Slide 17: In 10th Year of Success
In 10‘ Year of Success First-to-market advantage, creating a Network i Published y A let. exclusion work FIRST ot ee national leadership position Cashless ATM & cannabis rogram proprietary closed loop banking book Licensing software Created Attorneys Stressing esciat ‘Onboarding & 5 ee sca : complia
Slide 18: Officers
Officers - sare . = FINANCTAL Cannabis Experience Matters SUNDIE SEEFRIED TYLER BEUERLEIN DONNIE EMMI Chief Executive Officer Chief Strategic Business Chief Legal Officer Development Officer + Cannabis Experience since 2009 Cannabis Experience since 2014 » Cannabis Experience since 2013 » Managing P
Slide 19: Directors
Directors RICHARD CARLETON CEO, Canadian Securities Exchange JENNIFER MEYERS CFO, Partner Colorado Credit Union JONATHAN SUMMERS Chairman, Billion Pairs Genetic Corp. and EXMceuticals JOHN DARWIN Co-CEO, Luminous Capital USA, Inc. FRED NEIHAUS Managing Partner, Interactive Global Solutions KARL RACI
Slide 20: Thank You
THANK YOU March 2024 Investor Presentation NASDAQ:SHFS
Slide 21: March 2024 |
March 2024 Investor Presentation | NASDAQ:SHFS
Slide 22: Capitalization Overview
Capitalization Overview Sick Captalzaton Company SHF Holdings, Inc. Share Structure (millions) Ticker NASDAQ: SHFS Common Shares Outstanding (1) 54.5 Stock Price* $0.85 Fully Diluted Shares Outstanding (2) 714 Market Cap (millions)* $45,793 Share Price (USD) (3) $0.85 52 week High and Low* $1.55 - $
Slide 23: Reconciliation of Revenue on slide to as reported revenue
Reconciliation of Revenue on slide 9 to as reported revenue Depository Fees $1,884,616 $2,245,831 Investment Income $1,184,647 $1,417,152 Interest Income $468,048 $466,293 Program/Other Income $38,295 $51,103 Total Reported Revenue $3,575,606 $4,180,379 Total Core Revenue $3,537,311 $4,129,276 $2,55