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SHF Holdings, Inc. logo

SHF Holdings, Inc.

SHFS

NASDAQFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$0.165

−$0.005 · -2.94%

Aug 21, 4:00 PM ET

Pre-market

$0.17

+$0.005 · +3.03%

Aug 24, 4:49 AM ET

SHFS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

65

Undervalued

Momentum

20

Strong Down

Sentiment

57

Mixed

Risk resilience

30

High Risk

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Company profile

Company website

SHF Holdings, Inc., operating through its subsidiaries, specializes in facilitating access to a comprehensive array of banking, lending, and other crucial financial services for institutions that cater to the cannabis industry. Utilizing its exclusive technological platform, the company delivers a diverse set of functionalities. These include corporate checking and savings accounts, treasury management solutions, various savings and investment options, commercial credit facilities, dedicated courier services, convenient remote deposit features, automated clearing house (ACH) payment processing (both initiation and receipt), and secure wire transfers. Ultimately, these offerings provide cannabis-related businesses with vital financial infrastructure and enhanced insights, empowering them to manage their operations more effectively and leverage essential resources via the financial institutions partnered with SHF Holdings. The company was established in 2015 and is headquartered in Arvada, Colorado.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Terrance E. Mendez
Listed since
Aug 20, 2021
Employees
40

Market position

Day range

Current $0.165

52-week range

Current $0.165

Open
$0.1701
Previous close
$0.17
Volume
142.15K
0.04× average
Average volume
3.44M
Average daily volume
Market cap
2.03M USD
Beta
0.81
Market reference 1
50-day average
$0.2099
-21.40% below average
200-day average
$0.8144
-79.74% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-2.97M USD
P/E (TTM)
-0.17×
P/B (TTM)
0.19×
P/S (TTM)
0×
EV / EBITDA
0.55×
Earnings yield
-69.78%
Free cash flow yield
-110.36%
Dividend yield
0.00%

Profitability & efficiency

Gross margin
0.51%
Operating margin
-0.16%
Net margin
-0.19%
Return on equity
-26.24%
Return on assets
-12.56%
Return on invested capital
-48.28%

Financial health

Debt / equity
0.1×
Current ratio
1.88×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends179%18%-142%-303%Gross margin, FY2021: 99.98%Gross margin, FY2022: 103.79%Gross margin, FY2023: 93.17%Gross margin, FY2024: 104.67%Gross margin, FY2025: 56.63%Operating margin, FY2021: 46.92%Operating margin, FY2022: 138.69%Operating margin, FY2023: -94.23%Operating margin, FY2024: -24.23%Operating margin, FY2025: -70.36%Net margin, FY2021: 46.92%Net margin, FY2022: 109.78%Net margin, FY2023: -85.21%Net margin, FY2024: -262.50%Net margin, FY2025: -28.16%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.98%. Gross margin FY2022 103.79%. Gross margin FY2023 93.17%. Gross margin FY2024 104.67%. Gross margin FY2025 56.63%. Operating margin FY2021 46.92%. Operating margin FY2022 138.69%. Operating margin FY2023 -94.23%. Operating margin FY2024 -24.23%. Operating margin FY2025 -70.36%. Net margin FY2021 46.92%. Net margin FY2022 109.78%. Net margin FY2023 -85.21%. Net margin FY2024 -262.50%. Net margin FY2025 -28.16%.

Income trends

Revenue

7.67M USD-58.31%

Operating income

−5.4M USD-21.06%

Net income

−2.16M USD+95.53%
Income trends across reported periods27.14M USD−300.44K USD−27.74M USD−55.18M USDRevenue, FY2021: 7.01M USDRevenue, FY2022: −32M USDRevenue, FY2023: 20.28M USDRevenue, FY2024: 18.41M USDRevenue, FY2025: 7.67M USDOperating income, FY2021: 3.29M USDOperating income, FY2022: −44.38M USDOperating income, FY2023: −19.11M USDOperating income, FY2024: −4.46M USDOperating income, FY2025: −5.4M USDNet income, FY2021: 3.29M USDNet income, FY2022: −35.13M USDNet income, FY2023: −17.28M USDNet income, FY2024: −48.32M USDNet income, FY2025: −2.16M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 7.01M USD. Revenue FY2022 −32M USD. Revenue FY2023 20.28M USD. Revenue FY2024 18.41M USD. Revenue FY2025 7.67M USD. Operating income FY2021 3.29M USD. Operating income FY2022 −44.38M USD. Operating income FY2023 −19.11M USD. Operating income FY2024 −4.46M USD. Operating income FY2025 −5.4M USD. Net income FY2021 3.29M USD. Net income FY2022 −35.13M USD. Net income FY2023 −17.28M USD. Net income FY2024 −48.32M USD. Net income FY2025 −2.16M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue7.67M USD18.41M USD20.28M USD−32M USD7.01M USD
Cost of goods sold3.33M USD−859.74K USD1.39M USD1.21M USD1.4K USD
Gross profit4.35M USD19.27M USD18.89M USD−33.21M USD7M USD
Selling, general, and administrative3.29M USD12.06M USD17.24M USD9.19M USD2.78M USD
Operating expenses9.74M USD23.73M USD38M USD11.17M USD3.72M USD
Interest income2.48M USD6.63M USD2.97M USD1.13M USD102.96K USD
Interest expense492.64K USD533.39K USD1.09M USD705.2K USD—
Depreciation and amortization3.16K USD711.93K USD1.37M USD189.27K USD1.92K USD
Operating income−5.4M USD−4.46M USD−19.11M USD−44.38M USD3.29M USD
Net income−2.16M USD−48.32M USD−17.28M USD−35.13M USD3.29M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
50%
1 beat, 1 miss, 0 met estimates
Average EPS surprise
+82.00%
2 comparable reports
Latest EPS result
-0.36
Estimate 1 · Miss by 136.00%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates2.56-5-12.56-20.12Q1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ2 '26No estimateQ2 '26No estimateQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 31, 2025: actual -18.56, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual -0.11, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 14, 2025: actual -0.33, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 12, 2025: actual -0.79, estimate —, surprise —, Comparison unavailable. Q2 2026, reported Apr 15, 2026: actual -0.26, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual -0.43, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual -0.36, estimate 1, surprise -136.00%, Miss. Q4 2026, reported Nov 17, 2026: actual —, estimate 1, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates3.05B2.03B1.02B999.9KQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25MissQ2 '26No estimateQ2 '26No estimateQ3 '26MissQ4 '26Estimate
Q1 2025, reported Mar 31, 2025: actual 3.75M USD, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual 3.21M USD, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 14, 2025: actual 1.94M USD, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 12, 2025: actual 1.18M USD, estimate 1.83M USD, surprise -35.85%, Miss. Q2 2026, reported Apr 15, 2026: actual 6.12M USD, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 1.98M USD, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 1.93B USD, estimate 2.83B USD, surprise -31.51%, Miss. Q4 2026, reported Nov 17, 2026: actual —, estimate 2.83M USD, surprise —, Comparison unavailable.

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ETFs holding SHFS

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
1.4K
Weight
—
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%

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