The Q4 rebound and improved PCCU agreement suggest stabilization, but the 50% annual revenue drop and unaudited status warrant caution. Monitor the final audited 10-K for potential adjustments and any further delays as a sign of ongoing reporting issues.
Price Chart
Executive Summary
Safe Harbor Financial reported preliminary unaudited results showing a 50% YoY revenue decline to $7.7M in 2025, driven by lower loan and investment income, though Q4 2025 showed a 12% sequential rebound. The company eliminated $18.3M in debt and raised $6.8M in capital, improving its balance sheet, but delayed its 10-K filing due to complex transaction disclosures, raising audit risk.
Key Financial Metrics
Key Facts
- Preliminary unaudited revenue for FY 2025 was $7.7M, down 50% from $15.2M in FY 2024
- Q4 2025 revenue was $2.1M, up 12% sequentially from $1.8M in Q3 2025
- Loan Program Income fell 63% YoY to $2.5M in 2025, but surged 71% QoQ in Q4
- Company eliminated $18.3M in debt and increased cash by $4.5M to $6.8M via recapitalization
- Form 10-K filing delayed; Form 12b-25 filed due to complexity of 2025 transactions
Financial Impact
Revenue down $7.5M YoY, but balance sheet strengthened with $6.8M new capital and full debt elimination
Risk Factors
- Preliminary financials may change materially upon audit
- Revenue decline raises concerns about core business sustainability despite balance sheet fixes
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3266405 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Aug 11, 2026 7w ago | EFFECT | $0.1751 $0.1557 | ▲ +11.08% | ▲ +10.02% | $1.30 (−642.43%) |
Aug 10, 2026 7w ago | 8-K | $0.1822 $0.1536 | ▲ +15.70% | ▲ +14.78% | $1.30 (−613.50%) |
Aug 10, 2026 7w ago | Press Release | $0.1822 $0.1536 | ▲ +15.70% | ▲ +14.78% | $1.30 (−613.50%) |
May 18, 2026 19w ago | Press Release | $0.4790 $0.2848 | ▼ −40.54% | ▼ −42.12% | $1.30 (+171.40%) |
Apr 16, 2026 24w ago | Press Release | $0.8700 $0.4380 | ▼ −49.66% | ▼ −55.47% | $1.30 (+49.43%) |
Apr 1, 2026 26w ago | Press Release | $0.8000 $0.8280 | ▲ +3.50% | ▼ −6.22% | $1.30 (+62.50%) |
Mar 3, 2026 30w ago | 8-K | $0.8600 $0.8310 | ▼ −3.37% | ▲ +1.03% | $1.30 (+51.16%) |
Sep 30, 2025 12mo ago | Insider Cluster | $7.16 $3.05 | ▼ −57.40% | ▼ −60.54% | $1.30 (−81.84%) |
US Market Status
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