SHF Holdings, Inc. SHFS FINANCIAL
Company Overview
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts; cash management accounts; savings and investment options; commercial lending; courier and vaulting services; remote deposit services; automated clearing house payments and origination; and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services for enhanced financial insight into business and access to resources. SHF Holdings, Inc. was founded in 2015 and is headquartered in Golden, Colorado.
Why Investors Should Care
Carries low leverage with a debt-to-equity ratio of 0.10.
Recent Developments
- Dec 2025 Revenue of $11.84M (-32.4% YoY); net profit $-2.16M.
- Trailing 12 Months Year-on-year growth — revenue +34.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 34.00% |
Stock Price Performance
| 1 Year: | -94.28% |
| 6 Months: | -85.09% |
| 3 Months: | -58.03% |
| 1 Month: | -12.23% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMABelow
- RSI (14)34.67 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
No notable strengths flagged.
CONS
- Trading 97.9% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SHFS SHF Holdings, Inc. FINANCIAL | 0.15 | -0.16 | $1.85M | 0.00% | - | -26.24% | - | - |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | 1.72M | 1.67M | 1.85M | 2.38M | 4.18M | 4.57M | 4.33M | 4.05M | 4.04M | 3.48M | - | 2.94M | 1.87M | 923.71K | 6.11M | 1.96M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | -10.11K | 946.06K | 501.60K | 336.34K | 825.46K | -1.62M | -17.91M | 531.45K | 324.94K | 300.16K | 176.91K | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | 112.79K | 115.34K | 252.64K | 11.88K | 4.58K |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | -827.20K | -989.18K | 179.51K | -582.59K | -1.78M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | 43.80M | 0 | -58.47K | 0 | 0 | - |
| Net Income | 905.30K | 717.17K | 946.06K | 501.60K | 336.34K | 1.06M | -1.41M | -17.60M | -748.07K | 2.05M | 941.53K | 353.82K | - | -827.20K | -930.72K | 179.51K | -582.59K | -1.78M |
| Diluted EPS | - | - | 0.05 | - | - | 0.05 | -0.06 | -0.40 | -0.02 | 0.73 | 0.33 | 0.13 | - | -0.30 | -0.33 | 0.06 | - | -0.43 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | -32.61M | 14.61M | 17.51M | 11.84M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 705.20K | 1.09M | 533.39K | 492.64K |
| Pretax Income | - | -44.38M | -19.11M | -4.46M | -2.22M |
| Tax Provision | - | -9.25M | -1.83M | 43.86M | -58.47K |
| Net Income | - | -35.13M | -17.28M | -48.32M | -2.16M |
| Diluted EPS | - | -37.00 | -8.12 | -17.43 | -0.82 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|
| Total Assets | - | - | 99.45M | 67.86M | 13.22M | 17.21M |
| Current Assets | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 8.41M | 4.91M | 2.32M | 6.78M |
| Inventory | - | - | - | - | - | - |
| Receivables | - | - | 1.44M | 2.23M | 1.12M | 1.04M |
| Total Liabilities | - | - | 94.34M | 33.51M | 25.51M | 8.97M |
| Current Liabilities | - | - | - | - | - | - |
| Long Term Debt | - | - | - | 11.00M | 10.75M | - |
| Total Debt | - | - | 1.03M | 15.02M | 11.88M | 710.51K |
| Total Equity | 4.35M | - | 5.11M | 34.36M | -12.29M | 8.24M |
| Shares Outstanding | - | - | 1.19M | 2.73M | 2.78M | 4.28M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1.70M | -832.14K | 430.48K | -3.42M |
| Investing Cash Flow | - | -2.90M | -2.18M | 12.39K | 442.19K |
| Financing Cash Flow | - | 4.09M | -488.83K | -3.01M | 7.43M |
| Capital Expenditure | -5.92K | -17.32K | -208.43K | - | - |
| Free Cash Flow | - | 1.68M | -1.04M | 430.48K | -3.42M |
| Net Change in Cash | - | 2.89M | -3.50M | -2.56M | 4.45M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 107.7% | -118.2% | -275.9% | -18.3% |
| ROE % | - | -687.0% | -50.3% | 393.2% | -26.2% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | M3F, Inc. | 2.50% | 308.00K | $50.05K |
| 2 | HRT Financial LP | 1.42% | 175.04K | $28.44K |
| 3 | Virtu Financial LLC | 1.38% | 170.15K | $27.65K |
| 4 | Jane Street Group, LLC | 0.90% | 110.49K | $17.95K |
| 5 | Blue Owl Capital Holdings LP | 0.62% | 75.90K | $12.33K |
| 6 | Geode Capital Management, LLC | 0.31% | 38.16K | $6.20K |
| 7 | Citadel Advisors Llc | 0.29% | 36.18K | $5.88K |
| 8 | Checchi Capital Advisers, LLC | 0.26% | 31.74K | $5.16K |
| 9 | Susquehanna International Group, LLP | 0.23% | 27.79K | $4.52K |
| 10 | SJS Investment Consulting Inc. | 0.09% | 11.31K | $1.84K |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SHFS
Safe Harbor Institutional to Highlight Scalable Cannabis Banking Infrastructure at PBC Conference
CEO Terry Mendez will moderate a panel of banking leaders examining operational models for sustainable growthDENVER, Aug. 27, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor (the “Company” or “Safe Harbor”) (NASDAQ: SHFS), a …
Safe Harbor Financial Series B Preferred Conversion Price and Warrant Exercise Price Reset to $1.5528 Following Conclusion of Temporary Reduction Period
DENVER, Aug. 05, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor Financial ("Safe Harbor" or the "Company") (NASDAQ: SHFS), a leading fintech platform serving the banking, lending, and financial services needs of the regulate…
Safe Harbor Introduces Its Operating Model for Cannabis Banking at ACB Cannabis Banking eXperience Conference
Through its Infrastructure-as-a-Service operating model, Safe Harbor helps financial institutions build, operate and scale compliant cannabis banking programs using operational infrastructure, proven workflows and experienced personnel deve…
Safe Harbor Financial Expands Board of Directors with Appointment of Tyler Klimas and Sean Tonner
Klimas Brings Deep Cannabis Regulatory Expertise as Founder of Leaf Street Strategies and Former Executive Director of the Nevada Cannabis Compliance Board Tonner Adds Decades of Strategic Communications and Public Affairs Experience as Man…
Safe Harbor Financial Reports First Quarter 2026 Results and Provides Corporate Update
First Quarter 2026 Revenue of Approximately $2.0 Million, Up 2.2% Year Over Year Loan Program Income Up 55.6% Year Over Year to Approximately $0.8 Million Total Operating Expenses Down 4.7% Year Over Year Cash and Cash Equivalents of $5.9 M…
Safe Harbor Financial Applauds Historic Federal Cannabis Rescheduling Action, Citing Potential Benefits to Operator Economics, Deposit Quality, and Total Addressable Market
New DOJ Order Removes 280E Tax Burden for State-Licensed Medical Cannabis Operators, Potentially Expanding Safe Harbor's Client Base and Managed Services OpportunityDENVER, April 24, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe H…
SHFS — Frequently Asked Questions
What is the current share price of SHF Holdings, Inc. (SHFS)?
As of 2026-09-19 21:16 PDT, SHF Holdings, Inc. (SHFS) trades at $0.15 on NasdaqCM. Its 52-week range is $0.15 to $7.41.
What is the market capitalisation of SHFS?
SHF Holdings, Inc. (SHFS) has a market capitalisation of $1.85M on NasdaqCM.
What is the P/E ratio of SHFS?
SHFS trades at a trailing price-to-earnings (P/E) ratio of -0.16. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 0.33.
What is the return on equity (ROE) of SHFS?
SHFS has a return on equity (ROE) of -26.24%.
Is SHFS a good stock to buy?
This page provides a data-driven analysis of SHF Holdings, Inc. (SHFS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.