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SHF Holdings, Inc.

SHFS NASDAQ Categories PDF
Financial Services · Banks - Regional · United States · Updated May 11, 12:47am
$0.46
Price
$1.3M
Market Cap
41
Employees
0.84
Beta
Stephen La Rosa
CEO
Business Description

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 services, remote deposit services, automated clearing house payments and origination, and wire payments. Its 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. The company was founded in 2015 and is based in Arvada, Colorado.

Business History
Price Overview
Last updated: May 11, 2026 1:50pm (just now)
$0.41
-0.05 (-10.54%)
Day Range
$0.40 – $0.46
52-Week Range
$0.38 – $9.19
50-Day MA
$0.83
200-Day MA
$2.05
Volume
165,731.99
Share Structure
Outstanding 2,921,320.00
Float 1,923,527.00
Free Float 65.8%
Normal free float — 65.8% of shares trade freely, ~34.2% held by insiders/institutions
Healthy float typical of established companies. Good liquidity for entering and exiting positions without major price impact.
Small absolute float (1.9M shares) — even with a decent free float %, volume can be thin. Check average daily volume before sizing a position.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
Period Revenue Net Income Net Margin YoY/QoQ
Key Metrics
API Direct from provider CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALC
Stock Price / EPS (Diluted)
-0.56
Stock Price: $0.46
EPS (Diluted): -0.82
P/B Ratio (Price vs net asset value)
API
Stock Price / Book Value Per Share
0.38
Stock Price: $0.46
Total Equity: $8.24M
Shares: 2,921,648
EV/EBITDA (Total value vs operating profit)
API
Enterprise Value / EBITDA
2.20
Market Cap: $1.34M
Total Debt: $0.00
Cash: $6.78M
EBITDA: -$5.40M
Enterprise Value (Takeover price (cap + debt - cash))
API
Market Cap + Total Debt - Cash
-$3.0M
Market Cap: $1.34M
Total Debt: $0.00
Cash: $6.78M
Gross Margin (Revenue left after direct costs)
API
Gross Profit / Revenue
56.6%
Gross Profit: $4.35M
Revenue: $7.67M
Operating Margin (Revenue left after all operations)
API
Operating Income / Revenue
-70.4%
Operating Income: -$5.40M
Revenue: $7.67M
Net Margin (Revenue left as actual profit)
API
Net Income / Revenue
-28.2%
Net Income: -$2.16M
Revenue: $7.67M
ROE (Profit from shareholder equity)
API
Net Income / Total Equity
44.2%
Net Income: -$2.16M
Total Equity: $8.24M
ROIC (Profit from all invested capital)
API
NOPAT / Invested Capital
-19.8%
Operating Income: -$5.40M
Tax Rate: 2.6%
Equity: $8.24M
Total Debt: $0.00
Cash: $6.78M
Zero debt — invested capital = equity minus cash (very efficient)
Current Ratio (Can it pay short-term bills)
API
Current Assets / Current Liabilities
1.88
Current Assets: $12.20M
Current Liabilities: $6.50M
Debt/Equity (Leverage — debt vs equity)
CALC
Total Debt / Total Equity
0.00
Short-Term Debt: $0.00
Long-Term Debt: $0.00
Total Debt: $0.00
Total Equity: $8.24M
Zero debt — this company carries no debt obligations. Strongest possible score.
Rev/Share (Top-line per share)
CALC
Revenue / Shares Outstanding
$2.63
Revenue: $7.67M
Shares: 2,921,648
Book Value/Share (Net assets per share)
CALC
(Total Assets - Total Liabilities) / Shares
$2.82
Total Equity: $8.24M
Shares: 2,921,648
FCF/Share (Real cash generated per share)
CALC
(Operating Cash Flow + CapEx) / Shares
$-1.17
Operating CF: -$3.42M
CapEx: $0.00
Shares: 2,921,648
Div Yield (Annual income from holding)
API
Last Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $0.46
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: -$2.16M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares SHFS against LLM-researched typical ranges for its industry. One research call per industry, cached indefinitely — every stock in the same industry reuses the same baseline.
Deep Analysis

Pre-flight intelligence scans the company first, then routes to the right analytical methods.

0 Company Classification — What type of company is this?
1 Industry Landscape — Where is the industry headed?
2 Company Momentum — Where is this company trending?
3 Forward Projection — 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a DCF Valuation — Present value of future cash flows
4b Earnings Power Value — Floor value — worth with zero growth
4c Anchored PE — Industry PE adjusted for growth differential
4d Reverse DCF — What growth is the market pricing in?
4e Revenue-Based DCF — For growth/narrative companies (skip if mature earner)
4f Anchored P/S — Price-to-Sales peer comparison (skip if mature earner)
4g Scenario Analysis — Bull / Base / Bear (skip if mature earner)
4h Dividend Discount Model — For dividend/income stocks only
4i Book Value Analysis — For deep value / turnaround stocks only
4j Insider Activity — Are insiders buying or selling?
4f Cash Flow Quality — How trustworthy is the FCF?
4g Debt Maturity Risk — Can it handle its debt?
4h Macro Environment — Rates, market valuation, volatility
4i Sector Intelligence — How does this company compare within its sector?
4j Revenue Confidence — How reliable is the growth projection?
4k Sensitivity Analysis — How fragile is the fair value estimate?
4l Sector Demand Cycle — Is the sector in a boom, steady state, or contraction?
5 AI Investigation — Adaptive research engine (Claude)
5b Thesis Evaluation — What does the market believe? (narrative/platform stocks only)
6 Valuation Synthesis — Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Metric 2021 2022 2023 2024 2025
Revenue $7.0M -$32.0M $20.3M $18.4M $7.7M
Cost of Revenue $1,399 $1.2M $1.4M $-859,741 $3.3M
Gross Profit $7.0M -$33.2M $18.9M $19.3M $4.3M
Operating Expenses $3.7M $11.2M $38.0M $23.7M $9.7M
Operating Income $3.3M -$44.4M -$19.1M -$4.5M -$5.4M
Net Income $3.3M -$35.1M -$17.3M -$48.3M -$2.2M
EBITDA $3.3M -$44.2M -$17.7M -$3.7M -$5.4M
EPS $3.51 $-37.00 $-8.12 $-17.43 $-0.82
EPS (Diluted) — — — — —
Balance Sheet (Annual)
Metric 2021 2022 2023 2024 2025
Cash & Equivalents $5.5M $8.4M $4.9M $2.3M $6.8M
Total Current Assets $6.0M $10.2M $12.8M $4.5M $12.2M
Total Assets $7.5M $99.5M $67.9M $13.2M $17.2M
Current Liabilities $181,505 $49.6M $7.9M $5.3M $6.5M
Long-Term Debt $0 $31.6M $11.0M $10.7M $0
Total Liabilities $181,505 $94.3M $33.5M $25.5M $9.0M
Total Equity $7.3M $5.1M $34.4M -$12.3M $8.2M
Retained Earnings $0 -$39.7M -$71.6M -$120.8M -$122.9M
Cash Flow (Annual)
Metric 2021 2022 2023 2024 2025
Operating Cash Flow $2.9M $1.7M $-832,144 $430,477 -$3.4M
Capital Expenditure $-5,920 $-17,318 $-208,434 $3 $0
Free Cash Flow $2.9M $1.7M -$1.0M $430,477 -$3.4M
Acquisitions (net) $0 -$3.0M -$3.0M $0 $0
Debt Repayment — — — — —
Dividends Paid — — — — —
Stock Buybacks $0 $0 $0 $0 $0
Net Change in Cash $2.5M $2.9M -$3.5M -$2.6M $4.5M
Analyst Estimates (Annual)
Metric 2022 2023 2024
Revenue $8.7M
$8.7M – $8.7M
 $15.1M
$15.1M – $15.1M
 $21.0M
$21.0M – $21.0M
EBITDA $1.8M
$1.8M – $1.8M
 $3.1M
$3.1M – $3.1M
 -$1.3M
-$1.3M – -$1.3M
Net Income $7.8M
$7.8M – $7.8M
 $58.8M
$58.8M – $58.8M
 $0
EPS — — —
Growth Trends (YoY %)
Metric 2022 2023 2024 2025
Revenue Growth -556.8% +163.4% -9.2% -58.3%
Gross Profit Growth -574.2% +156.9% +2.0% -77.4%
Operating Income Growth -1,450.2% +56.9% +76.7% -21.1%
Net Income Growth -1,168.7% +50.8% -179.6% +95.5%
EBITDA Growth -1,443.7% +59.9% +78.9% -44.1%
Insider Trading (Recent)
Date Insider Type Shares Price Value
2025-09-30 Kay Jeffrey R. P-Purchase 4,057.00 $7.76 $31,500
2025-09-30 Kay Jeffrey R. P-Purchase 63.00 $7.76 $489
2025-12-10 Kay Jeffrey R. J-Other 1.00 $7.76 $8
2025-12-31 Kay Jeffrey R. J-Other 1.00 $7.76 $8
2025-09-30 Mendez Terrance Elliot A-Award 91,751.00 $2.40 $220,202
2025-09-30 Mendez Terrance Elliot P-Purchase 8,050.00 $7.76 $62,503
2025-09-30 Mendez Terrance Elliot P-Purchase 125.00 $7.76 $971
2025-12-10 Mendez Terrance Elliot J-Other 1.00 $7.76 $8
2025-12-31 Mendez Terrance Elliot J-Other 1.00 $7.76 $8
2025-09-30 Regan Michael A-Award 45,875.00 $2.40 $110,100
2025-09-30 Regan Michael P-Purchase 4,057.00 $7.76 $31,500
2025-09-30 Regan Michael P-Purchase 63.00 $7.76 $489
2025-12-10 Regan Michael J-Other 1.00 $7.76 $8
2025-12-31 Regan Michael J-Other 1.00 $7.76 $8
2025-09-30 Carleton Richard P-Purchase 837.00 $7.76 $6,499
2025-09-30 Carleton Richard P-Purchase 13.00 $7.76 $101
2025-12-10 Carleton Richard J-Other 1.00 $7.76 $8
2025-12-31 Carleton Richard J-Other 1.00 $7.76 $8
2025-09-30 BECK DOUGLAS A-Award 45,875.00 $2.40 $110,100
2025-09-24 Regan Michael 7,326.00 $6.40 $46,886
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My Notes personal — only you see this
Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.193 · 1946f027 · 2026-05-08 18:57:27