SHF Holdings, Inc. — financial distress indicators
Financial-health summary
SHF Holdings, Inc.'s reported numbers place it in the 'Weak' financial-health band (distress score 67/100). The main indicators are consecutive annual losses, share price down >80% from 52-week high and massive shareholder dilution.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Price is -99% from its 52-week high.
Equity markets price distress early; collapses of this size usually reflect fear of wipe-out in a restructuring.
Share count up +54% in a year.
Survival financing: repeated equity raises at depressed prices.
Revenue changed -32% YoY.
Shrinking net revenue (interest margin, fees, premiums) weakens the capacity to absorb losses.
Last price $0.45.
Below the $1 minimum-bid listing standard (Nasdaq Rule 5550(a)(2) / NYSE 802.01C); sustained breach leads to delisting and loss of capital-market access.
Total assets grew +30% in a year.
Hyper-growth outpacing risk controls preceded failures such as Yes Bank (2020) and SVB (2023).
Annualised volatility is 271%.
High equity volatility raises the market-implied default probability.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- Safe Harbor Announces Preliminary Third Quarter 2026 Deposit ResultsYahoo Finance · 2026-10-06
- Safe Harbor Financial Announces the Implementation of a Reverse Stock SplitYahoo Finance · 2026-09-28
- Safe Harbor Institutional Named Top Business Solutions Company at 2026 PBC Cannabis Banking ConferenceYahoo Finance · 2026-09-16
- Safe Harbor to Address Banking and Capital Access for Colorado Cannabis Operators at IgniteIt Market Spotlight 2026Yahoo Finance · 2026-09-15
- Safe Harbor Institutional to Highlight Scalable Cannabis Banking Infrastructure at PBC ConferenceYahoo Finance · 2026-08-27
- Safe Harbor Financial Series B Preferred Conversion Price and Warrant Exercise Price Reset to $1.5528 Following Conclusion of Temporary Reduction PeriodYahoo Finance · 2026-08-05
⚖️ U.S. legal pathway — bank resolution (not Chapter 11)
- Insured banks cannot be debtors under Title 11 of the U.S. Code (11 U.S.C. §109(b)(2)). A failing bank is closed by its chartering regulator and placed into FDIC receivership (12 U.S.C. §1821), usually over a weekend, with deposits moved to an acquirer.
- Deposits are insured up to $250,000 per depositor, per bank, per ownership category. Uninsured deposits and bondholders can take losses.
- The listed bank holding company can file Chapter 11 after losing its bank (e.g. SVB Financial Group, March 2023); its shareholders are typically wiped out.
- Early warning: Prompt Corrective Action (12 U.S.C. §1831o) restricts growth, dividends and management as capital ratios fall. Systemically important firms may be resolved under Dodd-Frank Title II.
Risk-management lens: bank failures are usually liquidity events (deposit runs) triggered by solvency doubts — concentrated depositors, unrealised securities losses, rapid growth and weak interest-rate risk management.
Frequently asked questions
What do SHF Holdings, Inc.'s financial-health indicators show?
As of 2026-10-08, SHF Holdings, Inc.'s public financial data places it in the 'Weak' band with a distress score of 67/100, driven by consecutive annual losses, share price down >80% from 52-week high and massive shareholder dilution. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is SHF Holdings, Inc.'s financial distress score?
67/100 ('Weak').
What works in SHF Holdings, Inc.'s favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
Insured U.S. banks cannot file under Title 11 of the U.S. Code; a failing bank is closed and placed into FDIC receivership. Deposits are insured up to $250,000, but the bank holding company's shareholders are usually wiped out (as with SVB Financial Group in 2023).
Other Bank & Finance companies with distress indicators
- CaliberCos Inc. (CWD)Very weak 79/100
- loanDepot, Inc. (LDI)Weak 69/100
- Pineapple Financial Inc. (PAPL)Weak 69/100
- TeraWulf Inc. (WULF)Weak 68/100
- Streamex Corp. (STEX)Weak 67/100
- Soluna Holdings, Inc. (SLNH)Weak 66/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.