SCHEDULE: M3 Entities Report Stake in SHF Holdings

M3 Funds, LLC and affiliated entities report a 4.77% beneficial ownership stake in SHF Holdings, Inc. Class A Common Stock as of June 30, 2026.

Summary

• M3 Funds, LLC, along with M3 Partners, LP, M3F, Inc., Jason A. Stock, and William C. Waller, have collectively reported beneficial ownership of 308,000 shares of SHF Holdings, Inc. Class A Common Stock.
• This ownership stake represents 4.77% of the class of securities.
• The filing is an amendment (Amendment No. 1) to a Schedule 13G, indicating a change or update to previously reported ownership.
• The reporting entities are based in Delaware (M3 Funds, LLC and M3 Partners, LP) and Utah (M3F, Inc.), with individuals Jason A. Stock and William C. Waller being U.S. citizens.
• The filing certifies that the securities were not acquired or held for the purpose of influencing the control of the issuer.

Sentiment

Score: 3

Explanation: StockSavvy.ai views this filing as neutral to slightly negative, as it primarily reports a change in beneficial ownership without new strategic information or financial performance data.

Positives

• The filing clearly discloses a significant ownership stake, providing transparency to the market.
• The reporting entities are established investment and management firms, suggesting a potentially stable or strategic investment.

Negatives

• The filing does not provide any new financial performance data or strategic updates for SHF Holdings, Inc.
• The nature of the investment (passive vs. active) is not detailed beyond the certification against influencing control.

Risks

• The filing does not explicitly mention any risks associated with the investment or the company itself.

Future Outlook

No specific future outlook or guidance for SHF Holdings, Inc. is provided in this filing. The filing focuses solely on reporting beneficial ownership.

Management Comments

• The reporting persons certify that the securities were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under 240.14a-11.

Industry Context

StockSavvy.ai notes that Schedule 13G filings are common for institutional investors and significant stakeholders to report their holdings. This filing indicates M3 entities have taken a notable passive stake in SHF Holdings, Inc., which could be a precursor to further activity or simply a reflection of their investment strategy.

Stakeholder Impact

• Shareholders: Increased transparency regarding significant ownership stakes, potentially influencing market perception.
• Management of SHF Holdings, Inc.: Awareness of a substantial passive investor, which may inform future strategic decisions.
• Potential Investors: Information on a key stakeholder group, aiding in investment analysis.

Next Steps

• Monitor future filings from M3 entities and SHF Holdings, Inc. for any changes in ownership or strategic developments.

Key Dates

Keywords

SHF Holdings, M3 Funds, M3 Partners, Schedule 13G, Beneficial Ownership, Class A Common Stock, Investment Management, Securities Exchange Act