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SHFS Overview

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Intellectia

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High
0.479
Open
0.459
VWAP
0.45
Vol
279.17K
Mkt Cap
2.31M
Low
0.421
Amount
126.53K
EV/EBITDA(TTM)
--
Total Shares
5.03M
EV
-4.47M
EV/OCF(TTM)
--
P/S(TTM)
0.18
SHF Holdings, Inc. is a service provider to offer compliance, monitoring and validation services to financial institutions, providing traditional banking services to cannabis, hemp, CBD, and ancillary operators. Its services include regulatory compliance consulting and software for maintaining Know Your Customer (KYC) and Bank Secrecy Act compliance to financial institutions, principally conducted vis-a-vis its proprietary financial services platform and the origination, onboarding, verification, and servicing of cannabis-related deposit business for and on behalf of its partner financial institutions. Its services also include sourcing, underwriting, servicing, and administering loans issued to cannabis businesses and related entities, which are often also its customers and being customers of its partner financial institutions. Through the Company’s platform, its financial institution clients can provide cannabis-related businesses (CRBs) with access to traditional financial services.
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Events Timeline

(ET)
2026-05-06
17:40:00
SHF Holdings Files to Sell 22.6M Shares of Class A Common Stock
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2026-04-21 (ET)
2026-04-21
08:30:00
SHF Holdings Launches Retirement Plan for Cannabis Businesses
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2026-03-09 (ET)
2026-03-09
08:30:00
Safe Harbor CEO Releases Shareholder Letter, Expects $10.5 Million Incremental Cash Flow
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2026-03-03 (ET)
2026-03-03
08:30:00
SHF Holdings Reports 29% Growth in Emerging Market Deposits
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2026-02-09 (ET)
2026-02-09
08:40:00
SHF Holdings Amends Agreement with Partner Colorado, Expected Revenue Increase of $9 Million
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2026-01-27 (ET)
2026-01-27
08:40:00
SHF Holdings Expands Payment Solutions with Lut and GreenCard
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2026-01-14 (ET)
2026-01-14
08:40:00
SHF Expands Client Offerings with Cannabis Insurance Solutions
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2025-12-30 (ET)
2025-12-30
08:30:00
SHF Holdings Appoints Two Key Executives to Leadership Team
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2025-12-23 (ET)
2025-12-23
08:10:00
Safe Harbor Acquires Founders and Assets of 420 IT Solutions
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2025-12-18 (ET)
2025-12-18
16:30:00
Safe Harbor CEO Says Cannabis Rescheduling Will Impact Company Platform
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News

Newsfilter
8.5
04-30Newsfilter
Safe Harbor Expands Lending Platform for Cannabis Industry
  • Expanded Financing Solutions: Safe Harbor has announced the expansion of its lending platform, introducing various financing options such as commercial real estate financing, working capital, and equipment financing, aimed at meeting the diverse funding needs of cannabis-related businesses nationwide, thereby enhancing its market competitiveness.
  • Addressing Industry-Specific Challenges: By collaborating with private credit funds and institutional partners, Safe Harbor connects qualified borrowers with appropriate sources of capital, addressing the financing barriers faced by the cannabis industry within the traditional financial system and promoting sustainable industry growth.
  • Personalized Loan Evaluation: Loan requests at Safe Harbor will be assessed individually based on business performance, intended use of funds, and overall opportunity, ensuring that each cannabis business receives a tailored financing solution that supports long-term success.
  • Integrated Financial Infrastructure: This expansion of the lending platform complements Safe Harbor's recent launch of a cannabis-focused 401(k) plan, reflecting its mission to provide comprehensive financial services to cannabis businesses and support growth within the industry.
Newsfilter
8.5
04-24Newsfilter
Safe Harbor Financial Responds to Cannabis Policy Change
  • Policy Change Impact: The DOJ's rescheduling of state-licensed medical marijuana and FDA-approved cannabis products to Schedule III is expected to significantly enhance the financial health of qualifying operators, reduce their tax burdens, and improve the stability of Safe Harbor Financial's banking operations.
  • Tax Burden Relief: The new policy removes the 280E tax restrictions for qualifying medical cannabis operators, who previously faced effective federal tax rates of up to 70%, and this alleviation is anticipated to enhance cash flow and credit quality, strengthening relationships with financial institutions.
  • Market Opportunity Expansion: As the federal risk profile for cannabis banking diminishes, more financial institutions may enter this sector, and Safe Harbor's compliance monitoring platform is poised to attract new clients, having facilitated over $29 billion in cannabis-related deposits over the past decade.
  • Increased Demand for Compliance Services: The new regulations require operators with both medical and adult-use licenses to segregate their accounts, increasing compliance complexity, which aligns with Safe Harbor's managed services platform designed to address such challenges, likely driving demand for its services.
seekingalpha
9.5
04-16seekingalpha
SHF Holdings Reports Q4 2025 Financial Results
  • Revenue Performance: SHF Holdings reported Q4 2025 revenue of $2.06 million, which, while an improvement compared to the previous year, still indicates ongoing challenges in achieving profitability and revenue growth.
  • Net Loss Situation: The net loss for the fourth quarter was approximately $0.6 million, contrasting sharply with a net income of $0.2 million in Q3 2025, highlighting persistent difficulties in cost management and profitability.
  • Employee Bonus Impact: The quarterly financial results included approximately $0.5 million in success-based employee bonuses, which exacerbated the financial strain and negatively impacted overall profitability.
  • Adjusted EBITDA: The adjusted EBITDA for Q4 2025 was approximately -$1.1 million, a significant decline from the $0.1 million reported in Q4 2024, indicating major challenges in operational efficiency and profitability.
Newsfilter
9.5
04-16Newsfilter
Safe Harbor Financial Reports Significant Debt Reduction and Revenue Growth
  • Debt Elimination: Safe Harbor successfully eliminated $18 million in debt, ending December 31, 2025, with $6.8 million in cash and stockholders' equity of $8.2 million, marking a significant improvement in the company's financial health.
  • Revenue Growth: Revenue for Q4 2025 was approximately $2.1 million, a 12% increase from Q3, although down 44% from Q4 2024; however, loan program income surged 70% sequentially, indicating signs of business recovery.
  • Operating Expense Reduction: Q4 2025 operating expenses decreased 72% year-over-year to about $3.3 million, primarily due to success-based employee bonuses, reflecting effective cost control measures by the company.
  • Strategic Partnership Extension: The agreement with Partner Colorado Credit Union has been extended through 2031, expected to increase cash flow by over $10 million during this period, further driving loan program revenue growth and enhancing the company's competitive position in the market.
Newsfilter
9.5
04-01Newsfilter
Safe Harbor Financial Reports Significant Financial Improvement
  • Revenue Growth: In Q4 2025, total revenue reached $2.1 million, reflecting a 12% increase from Q3, primarily due to the revised Commercial Alliance Agreement with PCCU, which increased the loan program income share to 65%, laying a foundation for future revenue growth.
  • Annual Revenue Decline: For the full year 2025, total revenue was $7.7 million, a 50% decrease from 2024, mainly attributed to revised interest allocation provisions and a reduction in active accounts, indicating pressure on the company's market competitiveness.
  • Debt Elimination: Through a recapitalization in September 2025, Safe Harbor successfully eliminated $18.3 million in debt and raised $6.8 million in new capital, significantly improving the company's financial condition and restoring positive stockholders' equity.
  • Management Outlook: CEO Terrance Mendez stated that 2025 was the most consequential year in the company's history, and looking ahead to 2026, the company aims to diversify its revenue streams by expanding into insurance, payments, and consulting solutions, enhancing its competitive position in the market.
Newsfilter
7.5
02-09Newsfilter
Safe Harbor Financial Amends Key Agreement with PCCU for Growth
  • Revenue Model Enhancement: The amendment to the agreement with PCCU increases Safe Harbor's share of loan interest income from approximately 37% to 65%, expected to generate over $9 million in revenue during the agreement term, significantly improving the company's financial outlook and driving profitable growth.
  • Cost Structure Optimization: The new agreement reduces asset hosting fees by about 23%, saving $250,000 annually and $1.5 million over the term, alleviating the burden of fixed costs and enhancing the company's financial flexibility.
  • Extended Customer Relationship: The agreement extends the customer relationship through 2031 with automatic renewal provisions, demonstrating PCCU's confidence in Safe Harbor's platform and management team, laying a solid foundation for future business expansion.
  • Risk Conversion to Revenue: Safe Harbor will indemnify up to 65% of potential loan default losses, successfully converting non-cash risk exposure into substantial cash revenue, further strengthening the company's market competitiveness and profitability.

Valuation Metrics

The current forward P/E ratio for SHF Holdings Inc (SHFS.O) is 0.00, compared to its 5-year average forward P/E of 7.23. For a more detailed relative valuation and DCF analysis to assess SHF Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
7.23
Current PE
0.00
Overvalued PE
28.17
Undervalued PE
-13.72

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
1.64
Current PS
0.00
Overvalued PS
3.23
Undervalued PS
0.04

Financials

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Frequently Asked Questions

What is SHF Holdings Inc (SHFS) stock price today?

The current price of SHFS is 0.4594 USD — it has decreased -1.29

What is SHF Holdings Inc (SHFS)'s business?

SHF Holdings, Inc. is a service provider to offer compliance, monitoring and validation services to financial institutions, providing traditional banking services to cannabis, hemp, CBD, and ancillary operators. Its services include regulatory compliance consulting and software for maintaining Know Your Customer (KYC) and Bank Secrecy Act compliance to financial institutions, principally conducted vis-a-vis its proprietary financial services platform and the origination, onboarding, verification, and servicing of cannabis-related deposit business for and on behalf of its partner financial institutions. Its services also include sourcing, underwriting, servicing, and administering loans issued to cannabis businesses and related entities, which are often also its customers and being customers of its partner financial institutions. Through the Company’s platform, its financial institution clients can provide cannabis-related businesses (CRBs) with access to traditional financial services.

What is the price predicton of SHFS Stock?

Wall Street analysts forecast SHFS stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for SHFS is USD with a low forecast of USD and a high forecast of USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is SHF Holdings Inc (SHFS)'s revenue for the last quarter?

SHF Holdings Inc revenue for the last quarter amounts to 2.06M USD, decreased -43.84

What is SHF Holdings Inc (SHFS)'s earnings per share (EPS) for the last quarter?

SHF Holdings Inc. EPS for the last quarter amounts to -0.26 USD, decreased -98.60

How many employees does SHF Holdings Inc (SHFS). have?

SHF Holdings Inc (SHFS) has 39 emplpoyees as of May 11 2026.

What is SHF Holdings Inc (SHFS) market cap?

Today SHFS has the market capitalization of 2.31M USD.