Symbols / SHFS Stock $0.78 -1.01% SHF Holdings, Inc.

Financial Services • Banks - Regional • United States • NCM
SHFS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Terrance Elliot Mendez
Exch · Country NCM · United States
Market Cap 3.52M
Enterprise Value -2.50M
Income -2.40M
Sales 7.36M
FCF (ttm) —
Book/sh 2.40
Cash/sh 1.50
Employees 39
Insider 10d —
IPO Aug 20, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E —
PEG —
P/S 0.48
P/B 0.33
P/C —
EV/EBITDA —
EV/Sales -0.34
Quick Ratio 1.28
Current Ratio 1.88
Debt/Eq 9.11
LT Debt/Eq —
EPS (ttm) -0.82
EPS next Y —
EPS Growth —
Revenue Growth -54.10%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2025-11-14
Earnings (prior) 2025-11-14
ROA -14.21%
ROE —
ROIC —
Gross Margin 100.00%
Oper. Margin -55.26%
Profit Margin -29.37%
Shs Outstand 4.51M
Shs Float 2.89M
Insider Own 25.48%
Instit Own 12.33%
Short Float 2.09%
Short Ratio 1.05
Short Interest 70.04K
52W High 9.19
vs 52W High -91.49%
52W Low 0.71
vs 52W Low 10.32%
Beta 0.92
Impl. Vol. —
Rel Volume 0.73
Avg Volume 207.20K
Volume 151.90K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $0.79
Price $0.78
Change -1.01%
About

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, debit, 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 from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. SHF Holdings, Inc. was founded in 2015 and is based in Golden, Colorado.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$0.78
Latest analyst target
3. DCF / Fair value
—
Simplified FCF or EPS-based estimate
Ratings
Current target
$0.78
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2023-05-16 reit EF Hutton Buy → Buy $2
2023-03-31 reit EF Hutton — → Buy $2
2022-10-26 init EF Hutton — → Buy $11
News
RSS: Latest SHFS news
Insider Transactions

No recent insider transactions.

Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
11.84
-32.40%
17.51
+19.83%
14.61
+144.82%
-32.61
Operating Revenue
11.84
-32.40%
17.51
+19.83%
14.61
+144.82%
-32.61
Selling General And Administration
9.79
-18.79%
12.06
-30.04%
17.24
+87.66%
9.19
General And Administrative Expense
9.79
-18.79%
12.06
-30.04%
17.24
+87.66%
9.19
Salaries And Wages
6.27
-19.49%
7.78
-24.68%
10.33
+54.35%
6.70
Other Gand A
3.29
-18.01%
4.02
-39.00%
6.59
+175.56%
2.39
Reconciled Depreciation
0.00
-99.56%
0.71
-48.17%
1.37
+625.78%
0.19
Total Unusual Items
0.08
+100.90%
-8.79
+38.71%
-14.34
-14591.20%
-0.10
Total Unusual Items Excluding Goodwill
0.08
+100.90%
-8.79
+38.71%
-14.34
-14591.20%
-0.10
Special Income Charges
0.08
+100.90%
-8.79
+38.71%
-14.34
-14591.20%
-0.10
Impairment Of Capital Assets
0.00
-100.00%
9.15
-51.61%
18.91
0.00
Restructuring And Mergern Acquisition
-0.08
+78.01%
-0.36
+92.09%
-4.57
-4782.87%
0.10
Net Income
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Pretax Income
-2.22
+50.23%
-4.46
+76.66%
-19.11
+56.94%
-44.38
Net Interest Income
1.99
-67.41%
6.09
+224.45%
1.88
+341.84%
0.42
Interest Expense
0.49
-7.64%
0.53
-51.28%
1.09
+55.24%
0.71
Interest Income
2.48
-62.60%
6.63
+122.90%
2.97
+163.01%
1.13
Gain On Sale Of Security
5.81
+18.71%
4.90
+22.69%
3.99
+110.17%
-39.26
Tax Provision
-0.06
-100.13%
43.86
+2497.10%
-1.83
+80.23%
-9.25
Tax Rate For Calcs
0.00
-87.62%
0.00
+119.33%
0.00
-54.08%
0.00
Tax Effect Of Unusual Items
0.00
+100.11%
-1.85
-34.42%
-1.37
-6646.93%
-0.02
Net Income Including Noncontrolling Interests
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Net Income From Continuing Operation Net Minority Interest
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Net Income From Continuing And Discontinued Operation
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Net Income Continuous Operations
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Normalized Income
-2.24
+94.59%
-41.38
-858.91%
-4.32
+87.69%
-35.05
Net Income Common Stockholders
-2.40
+95.03%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Diluted EPS
-0.82
+95.30%
-17.43
-114.66%
-8.12
+78.05%
-37.00
Basic EPS
-0.82
+95.30%
-17.43
-114.66%
-8.12
+78.05%
-37.00
Basic Average Shares
2.92
+5.37%
2.77
+30.26%
2.13
+124.21%
0.95
Diluted Average Shares
2.92
+5.37%
2.77
+30.26%
2.13
+124.21%
0.95
Diluted NI Availto Com Stockholders
-2.40
+95.03%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Amortization
0.13
0.00
—
—
Amortization Of Intangibles Income Statement
0.13
0.00
—
—
Depreciation Amortization Depletion Income Statement
0.13
0.00
—
—
Depreciation And Amortization In Income Statement
0.13
0.00
—
—
Other Non Interest Expense
1.06
—
—
—
Preferred Stock Dividends
0.24
—
—
—
Professional Expense And Contract Services Expense
3.33
+32.16%
2.52
+35.53%
1.86
-6.41%
1.99
Rent And Landing Fees
0.23
-9.94%
0.26
-18.10%
0.32
+218.01%
0.10
Rent Expense Supplemental
0.23
-9.94%
0.26
-18.10%
0.32
+218.01%
0.10
Line Item Trend 2023-12-31
Total Assets
67.86
Cash And Cash Equivalents
4.91
Receivables
6.82
Accounts Receivable
2.23
Other Receivables
4.58
Prepaid Assets
1.11
Net PPE
0.94
Gross PPE
1.24
Accumulated Depreciation
-0.30
Machinery Furniture Equipment
0.27
Other Properties
0.98
Leases
—
Goodwill And Other Intangible Assets
9.78
Goodwill
6.06
Other Intangible Assets
3.72
Investments And Advances
—
Total Liabilities Net Minority Interest
33.51
Payables And Accrued Expenses
1.80
Payables
0.79
Accounts Payable
0.79
Other Payable
—
Current Accrued Expenses
1.01
Current Debt And Capital Lease Obligation
3.14
Current Debt
3.01
Current Capital Lease Obligation
0.13
Current Deferred Liabilities
2.91
Current Deferred Revenue
2.91
Long Term Debt And Capital Lease Obligation
11.88
Long Term Debt
11.00
Long Term Capital Lease Obligation
0.88
Non Current Deferred Liabilities
0.81
Non Current Deferred Revenue
0.81
Stockholders Equity
34.36
Common Stock Equity
34.36
Capital Stock
0.00
Common Stock
0.00
Preferred Stock
0.00
Share Issued
2.73
Ordinary Shares Number
2.73
Treasury Shares Number
0.00
Additional Paid In Capital
105.92
Retained Earnings
-71.57
Total Equity Gross Minority Interest
34.36
Total Capitalization
45.36
Invested Capital
48.37
Total Debt
15.02
Net Debt
9.10
Capital Lease Obligations
1.01
Net Tangible Assets
24.58
Tangible Book Value
24.58
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
4.91
Current Notes Payable
3.01
Derivative Product Liabilities
11.47
Other Equity Interest
—
Preferred Stock Equity
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-3.42
-893.93%
0.43
+151.73%
-0.83
-149.03%
1.70
Cash Flow From Continuing Operating Activities
-3.42
-893.93%
0.43
+151.73%
-0.83
-149.03%
1.70
Net Income From Continuing Operations
-2.16
+95.53%
-48.32
-179.63%
-17.28
+50.81%
-35.13
Depreciation Amortization Depletion
0.00
-99.56%
0.71
-48.17%
1.37
+625.78%
0.19
Depreciation
—
—
—
0.19
Depreciation And Amortization
0.00
-99.56%
0.71
-48.17%
1.37
+625.78%
0.19
Other Non Cash Items
1.32
+427.62%
-0.40
+89.48%
-3.82
-575.42%
0.80
Stock Based Compensation
1.52
-3.33%
1.58
-57.85%
3.74
+33.24%
2.81
Asset Impairment Charge
0.00
-100.00%
9.15
-51.61%
18.91
0.00
Deferred Tax
0.00
-100.00%
43.86
+2497.10%
-1.83
+80.23%
-9.25
Deferred Income Tax
0.00
-100.00%
43.86
+2497.10%
-1.83
+80.23%
-9.25
Operating Gains Losses
-4.66
-66.11%
-2.80
-251.23%
1.85
-95.52%
41.38
Change In Working Capital
0.74
+135.94%
-2.05
+49.69%
-4.07
-1134.91%
0.39
Change In Receivables
0.08
-92.98%
1.11
+244.85%
-0.77
-211.21%
0.69
Changes In Account Receivables
0.08
-92.98%
1.11
+240.96%
-0.79
-213.81%
0.69
Change In Prepaid Assets
0.56
+546.61%
0.09
+139.20%
-0.22
-535.47%
0.05
Change In Payables And Accrued Expense
0.15
+153.83%
-0.29
+90.90%
-3.14
-1557.32%
-0.19
Change In Accrued Expense
0.01
-96.89%
0.29
+162.96%
-0.46
-215.31%
0.40
Change In Payable
0.14
+125.05%
-0.58
+78.41%
-2.68
-352.17%
-0.59
Change In Account Payable
0.14
+125.05%
-0.58
+72.83%
-2.13
-1826.13%
0.12
Change In Other Current Assets
0.00
+100.14%
-2.97
-7452.15%
0.04
+126.77%
-0.15
Change In Other Current Liabilities
-0.05
-9390.32%
0.00
0.00
—
Investing Cash Flow
0.44
+3467.74%
0.01
+100.57%
-2.18
+24.75%
-2.90
Cash Flow From Continuing Investing Activities
0.44
+3467.74%
0.01
+100.57%
-2.18
+24.75%
-2.90
Net PPE Purchase And Sale
—
0.00
+100.00%
-0.21
-1103.57%
-0.02
Purchase Of PPE
—
0.00
+100.00%
-0.21
-1103.57%
-0.02
Capital Expenditure
—
—
-0.21
-1103.57%
-0.02
Net Investment Purchase And Sale
0.05
0.00
—
—
Sale Of Investment
0.05
0.00
—
—
Net Business Purchase And Sale
—
0.00
+100.00%
-3.00
+1.37%
-3.04
Purchase Of Business
—
0.00
+100.00%
-3.00
+1.37%
-3.04
Financing Cash Flow
7.43
+347.09%
-3.01
-515.14%
-0.49
-111.94%
4.09
Cash Flow From Continuing Financing Activities
7.43
+347.09%
-3.01
-515.14%
-0.49
-111.94%
4.09
Net Issuance Payments Of Debt
0.29
+109.79%
-3.01
-515.14%
-0.49
0.00
Issuance Of Debt
0.55
0.00
—
—
Repayment Of Debt
-0.26
+91.49%
-3.01
-515.14%
-0.49
0.00
Long Term Debt Issuance
0.55
0.00
—
—
Long Term Debt Payments
-0.26
+91.49%
-3.01
-515.14%
-0.49
0.00
Net Long Term Debt Issuance
0.29
+109.79%
-3.01
-515.14%
-0.49
0.00
Net Common Stock Issuance
1.78
0.00
—
—
Repurchase Of Capital Stock
-0.29
0.00
—
—
Net Other Financing Charges
-0.48
—
—
4.09
Changes In Cash
4.45
+273.72%
-2.56
+26.77%
-3.50
-220.98%
2.89
Beginning Cash Position
2.32
-52.45%
4.89
-41.73%
8.39
+52.66%
5.50
End Cash Position
6.78
+191.62%
2.32
-52.45%
4.89
-41.73%
8.39
Free Cash Flow
-3.42
-893.93%
0.43
+141.37%
-1.04
-161.94%
1.68
Interest Paid Supplemental Data
0.39
-6.81%
0.42
-7.42%
0.45
0.00
Amortization Of Securities
0.00
-100.00%
0.10
0.00
—
Common Stock Issuance
1.78
0.00
—
—
Issuance Of Capital Stock
7.91
0.00
—
—
Net Preferred Stock Issuance
5.84
0.00
—
—
Preferred Stock Issuance
6.13
0.00
—
—
Preferred Stock Payments
-0.29
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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