SHF Holdings Inc.
Founded in 2015 by Partner Colorado Credit Union ( PCCU ), SHF was among the first companies to provide compliant banking and lending services to cannabis related businesses ( CRBs ). Our mission is to provide reliable, compliant financial services to the legal cannabis, hemp, and related industries by enabling financial institution customers to offer compliant banking, lending, and other finan…
$0.14
-$0.00 (-2.70%)
EOD Oct 16, 2026
The institution is unprofitable. This typically signals severe credit losses or a business in transition.
Revenue declined 49.7% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Price History
Valuation & Multiples
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$8M
▼ -49.7% YoY
Net Income (TTM)
-$4M
▲ +95.5% YoY
Net Margin
-47.34%
P/E
—
Balance Sheet
Total Assets
$14M
Equity
$6M
Total Debt
$622K
Cash & Equiv.
$6M
3Y CAGR: -5.1%
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SourceComputed from the 10-Q filed 5 Aug 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 18 Sept 2026. How this is calculated.
Price from market data, last close as of 16 Oct 2026. Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically.
Is SHF Holdings (SHFS) overvalued?
SHF Holdings (SHFS)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, SHF Holdings scores 40/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology, or see how the market compares in our US profitability statistics. This is analysis, not investment advice.
Frequently asked
Is SHF Holdings a high-quality business?+
SHF Holdings scores 40 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a -67.0% operating margin and a -5.0% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Is SHF Holdings a good stock to buy right now?+
That depends on valuation and quality together, not either alone. you should weigh SHFS's valuation and scores 40/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.