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The latest update is out from SHF Holdings ( (SHFS) ).
On February 4, 2026, Safe Harbor Financial and Partner Colorado Credit Union entered into a Second Amended and Restated Commercial Alliance Agreement, effective retroactively to October 1, 2025, extending their relationship through December 31, 2031 with automatic two-year renewals. The deal adjusts how loan interest income and default-related losses are shared, with Safe Harbor eligible for up to 65% of net interest income while indemnifying a matching share of potential loan losses, subject to possible rebalancing to maintain Nasdaq listing compliance.
The amended agreement also replaces a flat 1.0% asset hosting fee with a sliding scale structure, producing an estimated $1.5 million in cost savings over the revised 6.25-year term and potentially up to $600,000 in annual savings as deposits grow. Safe Harbor expects around $9 million in incremental revenue over the term plus a roughly $400,000 retroactive payment, while an escrow arrangement for its proprietary software ensures PCCU can continue critical account and loan services if the company defaults or enters bankruptcy, underscoring both partners’ commitment to long-term, resilient collaboration in cannabis-focused financial services.
The most recent analyst rating on (SHFS) stock is a Hold with a $0.96 price target. To see the full list of analyst forecasts on SHF Holdings stock, see the SHFS Stock Forecast page.
Spark’s Take on SHFS Stock
According to Spark, TipRanks’ AI Analyst, SHFS is a Neutral.
The score is driven down primarily by weak financial performance (declining revenue, negative profitability, and negative operating cash flow). Technicals also lean bearish with price below key moving averages and a negative MACD. Positive corporate actions (debt reduction, Nasdaq compliance, and new financing capacity) provide some support but are secondary to the current operating and cash-flow challenges.
To see Spark’s full report on SHFS stock, click here.
More about SHF Holdings
SHF Holdings, Inc., doing business as Safe Harbor Financial, is a Nasdaq-listed financial technology company that provides banking, lending, payments and business services tailored to regulated cannabis and hemp businesses. Through its proprietary Cannabis Banking Solutions platform and a network of partner financial institutions, it has processed more than $26 billion in cannabis-related transactions across 41 U.S. states and territories, positioning itself as an early leader in compliant cannabis banking solutions.
Average Trading Volume: 336,321
Technical Sentiment Signal: Sell
Current Market Cap: $3.04M
For a thorough assessment of SHFS stock, go to TipRanks’ Stock Analysis page.