Michael Regan - 30 Sep 2025 Form 4 Insider Report for SHF Holdings, Inc. (SHFS)

Reporting relationship: Chief Inv. & Strat. Officer
Issuer ticker: SHFS
Reported as of: 30 Sep 2025
Net transaction value: $0
SEC form: 4
Accepted by SEC: 08 May 2026, 21:56:36 UTC
Prior SEC filing: 08 May 2026
Source filing: View source filing
Reporting owner signature: /s/ Michael Regan

Key filing fact

Michael Regan filed Form 4 for SHF Holdings, Inc. (SHFS) on 08 May 2026.

Key facts

This page summarizes Michael Regan's Form 4 filing for SHF Holdings, Inc. (SHFS).
5 reported transactions and 5 derivative rows are listed below.
Accepted by SEC: 08 May 2026, 21:56.

Change

Previous filing in this sequence was filed on 08 May 2026.
Current net transaction value: $0.

Research use

This tells you what this filing adds before you inspect full transaction and derivative tables.
You can trace every row back to the original SEC filing document.

Evidence

Filed on Form 4

Ownership activity is grounded in SEC Form 4 disclosures.

View source filing

Reporting Owners (1)

CIK 0002097397 Primary reporting owner

Regan Michael

Relationship: Chief Inv. & Strat. Officer
Address: 1526 COLE BLVD,, SUITE 250, GOLDEN
Signature: /s/ Michael Regan
Signature date: 08 May 2026

Reported derivative securities

Options, warrants, convertible securities, or similar derivative positions disclosed in the filing.

SHFS transaction Derivative

Stock Option (Right to Buy)

Award

Transaction value
Shares: +45,875
Change %
Price: $0.000000^*
Shares after: 45,875
Date: 30 Sep 2025
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 45,875
Exercise price: $2.40
Footnotes: F1, F2

SHFS transaction Derivative

Series B Convertible Preferred Stock

Purchase

Transaction value
Shares: +63
Change %
Price: $800.00^*
Shares after: 63
Date: 30 Sep 2025
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 8,114
Exercise price: $7.76
Footnotes: F1, F3, F4

SHFS transaction Derivative

Series B Warrant to Purchase Common Stock (Right to Buy)

Purchase

Transaction value
Shares: +4,057
Change %
Price: $0.000000^*
Shares after: 4,057
Date: 30 Sep 2025
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 4,057
Exercise price: $7.76
Footnotes: F1, F3

SHFS transaction Derivative

Series B Convertible Preferred Stock

Other

Transaction value
Shares: -1
Change %: -1.6%
Price: $800.00^*
Shares after: 62
Date: 10 Dec 2025
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 7,986
Exercise price: $7.76
Footnotes: F1, F4, F5

SHFS transaction Derivative

Series B Convertible Preferred Stock

Other

Transaction value
Shares: -1
Change %: -1.6%
Price: $800.00^*
Shares after: 61
Date: 31 Dec 2025
Ownership: Direct
Underlying class: Common Stock
Underlying amount: 7,857
Exercise price: $7.76
Footnotes: F1, F4, F6

^* marks a reported price that did not pass the local price check.

Additional SEC filing notes

Filing notes and footnotes

Explanation of responses 6 footnotes

Footnote F1

This transaction is being reported late due to an inadvertent administrative oversight.

Footnote F2

The Reporting Person received the stock option award on August 7, 2025. The stock option would vest 100% upon SHF Holdings, Inc.'s (the "Issuer") successful completion of an equity financing that resulted in gross proceeds to the Issuer of at least $4 million (the "Financing Vesting Condition"). The Financing Vesting Condition was satisfied on September 30, 2025 and the stock option vested 100% on that date.

Footnote F3

On September 30, 2025, the Reporting Person entered into a Securities Purchase Agreement with the Issuer, pursuant to which the Issuer issued and sold to the Reporting Person 63 shares of the Issuer's Series B Convertible Preferred Stock (the "Series B Preferred Stock") and common stock purchase warrants (the "Series B Warrants") to initially acquire up to 4,057 shares of the Issuer's common stock on the same terms and conditions as the other participants in the transaction. The Reporting Person's acquisition of the Series B Preferred Stock and the Series B Warrants was subject to shareholder approval, which was obtained on November 6, 2025.

Footnote F4

The Series B Preferred Stock is perpetual and therefore has no expiration date.

Footnote F5

On December 10, 2025, the Issuer redeemed one share of the Reporting Person's Series B Preferred Stock in accordance with the terms of the Series B Preferred Stock's Certificate of Designation.

Footnote F6

On December 31, 2025, the Issuer redeemed one share of the Reporting Person's Series B Preferred Stock in accordance with the terms of the Series B Preferred Stock's Certificate of Designation.