SHF Holdings Financials

SHFS Stock  USD 0.94  0.05  5.05%   
Based on the key indicators related to SHF Holdings' liquidity, profitability, solvency, and operating efficiency, SHF Holdings may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, SHF Holdings' Total Liabilities is comparatively stable compared to the past year. Total Current Assets is likely to gain to about 8.1 M in 2026, whereas Other Current Liabilities is likely to drop slightly above 1.4 M in 2026.
 
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SHF Holdings Balance Sheet Chart

At this time, SHF Holdings' Total Liabilities is comparatively stable compared to the past year. Total Current Assets is likely to gain to about 8.1 M in 2026, whereas Other Current Liabilities is likely to drop slightly above 1.4 M in 2026.
Key indicators impacting SHF Holdings' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio0.930.98
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for SHF Holdings includes many different criteria found on its balance sheet. An individual investor should research SHF Holdings' cash flow, debt, and profitability to accurately make informed decisions on whether to invest in SHF Holdings.

Net Income

(41.31 Million)

  
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Please note, the imprecision that can be found in SHF Holdings' accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of SHF Holdings. Check SHF Holdings' Beneish M Score to see the likelihood of SHF Holdings' management manipulating its earnings.

SHF Holdings Stock Summary

SHF Holdings competes with Beneficient, Apollomics, SIM Acquisition, Sentage Holdings, and Sizzle Acquisition. SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company was founded in 2015 and is based in Arvada, Colorado. Shf Holdings operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 29 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS8244303009
Business Address1526 Cole Boulevard,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websiteshfinancial.org
Phone303 431 3435
CurrencyUSD - US Dollar

SHF Holdings Key Financial Ratios

SHF Holdings Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets7.5M99.5M67.9M13.2M15.2M14.4M
Other Current Liab129.5K20.9M1.0M1.3M1.5M1.4M
Net Debt(5.5M)50.2M10.1M9.5M11.0M13.5M
Accounts Payable43.6K2.7M794.7K216.3K248.8K236.3K
Cash5.5M8.4M4.9M2.3M2.1M3.9M
Other Assets1.5M56.9M(2.8M)(13.2T)(11.9T)(11.3T)
Net Receivables548.8K1.5M6.8M1.1M1.3M2.3M
Other Current Assets6.0K326.4K1.1M1.1M1.2M1.3M
Total Liab181.5K94.3M33.5M25.5M29.3M33.8M
Total Current Assets6.0M10.2M12.8M4.5M5.2M8.1M
Common Stock7.3M2.4K273.0278.0250.2237.69

SHF Holdings Key Income Statement Accounts

The reason investors look at the income statement is to determine what SHF Holdings' earnings per share (EPS) will be for research and analysis purposes. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, this information can be used for research and educational purposes even though its price per share may not have changed.
202120222023202420252026 (projected)
Net Interest Income103.0K327.4K133.8K6.1M7.0M7.4M
Interest Income103.0K1.1M2.4M6.6M7.6M8.0M
Interest Expense0.0705.2K1.1M533.4K613.4K513.9K
Total Revenue7.0M(32.0M)20.3M18.4M21.2M22.2M
Gross Profit7.0M(33.2M)18.9M19.3M22.2M23.3M
Operating Income3.3M(44.4M)(19.1M)(4.5M)(4.0M)(4.2M)
Ebit3.3M(44.4M)(19.1M)(4.5M)(4.0M)(4.2M)
Ebitda3.3M(44.2M)(17.7M)(3.7M)(3.4M)(3.5M)
Cost Of Revenue1.4K1.2M1.4M(859.7K)(773.8K)(735.1K)
Income Before Tax3.3M(44.4M)(19.1M)(4.5M)(4.0M)(4.2M)
Net Income3.3M(35.1M)(17.3M)(48.3M)(43.5M)(41.3M)
Income Tax Expense(3.0)(9.3M)(1.8M)43.9M50.4M53.0M

SHF Holdings Key Cash Accounts

202120222023202420252026 (projected)
Investments1.0M(2.9M)(1.6M)12.4K11.2K11.7K
Change In Cash2.5M2.9M(3.5M)(2.6M)(2.3M)(2.2M)
Free Cash Flow2.9M1.7M(1.0M)430.5K387.4K368.1K
Depreciation1.9K189.3K1.4M711.9K818.7K502.2K
Other Non Cash Items1.4K42.7M17.2M4.7M5.3M5.1M
Capital Expenditures5.9K17.3K208.4K3.03.453.28
Net Income3.3M(35.1M)(17.3M)(48.3M)(43.5M)(41.3M)
End Period Cash Flow5.5M8.4M4.9M2.3M2.1M3.9M

SHF Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining SHF Holdings's current stock value. Our valuation model uses many indicators to compare SHF Holdings value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across SHF Holdings competition to find correlations between indicators driving SHF Holdings's intrinsic value. More Info.
SHF Holdings is rated second in return on equity category among its peers. It is rated below average in return on asset category among its peers . At this time, SHF Holdings' Return On Equity is comparatively stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value SHF Holdings by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.
Most indicators from SHF Holdings' fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into SHF Holdings current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in SHF Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.
For more information on how to buy SHF Stock please use our How to Invest in SHF Holdings guide.At this time, SHF Holdings' Tax Provision is comparatively stable compared to the past year. Enterprise Value is likely to gain to about 69.3 M in 2026, whereas Selling General Administrative is likely to drop slightly above 9.5 M in 2026.
 2023 2024 2025 2026 (projected)
Interest Income2.4M6.6M7.6M8.0M
Net Interest Income133.8K6.1M7.0M7.4M

SHF Holdings fundamental ratios Correlations

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0.840.990.0-0.50.61-0.030.930.970.830.870.130.020.830.15-0.020.770.120.160.90.510.53-0.460.45-0.16-0.85
0.890.990.03-0.60.710.080.970.990.830.910.19-0.050.830.270.080.840.230.270.940.610.63-0.550.54-0.26-0.91
0.390.00.030.13-0.01-0.31-0.070.190.360.37-0.670.70.360.56-0.31-0.04-0.23-0.25-0.03-0.070.430.18-0.210.39-0.24
-0.69-0.5-0.60.13-0.98-0.83-0.78-0.57-0.35-0.68-0.750.69-0.35-0.68-0.78-0.93-0.91-0.92-0.83-0.99-0.760.96-0.990.90.8
0.80.610.71-0.01-0.980.720.840.690.490.790.63-0.550.490.70.710.980.830.850.890.990.83-0.920.95-0.81-0.89
0.2-0.030.08-0.31-0.830.720.330.03-0.120.180.87-0.88-0.120.590.910.590.980.980.40.80.5-0.810.88-0.97-0.34
0.890.930.97-0.07-0.780.840.330.940.740.90.43-0.280.740.380.290.940.470.510.990.770.7-0.740.74-0.49-0.94
0.940.970.990.19-0.570.690.030.940.860.950.090.060.860.350.030.820.190.230.920.590.67-0.530.5-0.19-0.93
0.840.830.830.36-0.350.49-0.120.740.860.84-0.190.251.00.36-0.20.620.040.070.740.370.72-0.210.310.0-0.78
1.00.870.910.37-0.680.790.180.90.950.840.110.030.840.610.160.870.350.370.910.70.84-0.620.6-0.3-0.98
0.110.130.19-0.67-0.750.630.870.430.09-0.190.11-0.95-0.190.220.790.570.850.860.450.70.23-0.810.81-0.9-0.28
0.030.02-0.050.70.69-0.55-0.88-0.280.060.250.03-0.950.25-0.17-0.85-0.46-0.83-0.84-0.32-0.64-0.170.68-0.750.910.15
0.840.830.830.36-0.350.49-0.120.740.861.00.84-0.190.250.36-0.20.620.040.070.740.370.72-0.210.310.0-0.78
0.640.150.270.56-0.680.70.590.380.350.360.610.22-0.170.360.480.60.670.650.470.690.88-0.620.65-0.53-0.64
0.19-0.020.08-0.31-0.780.710.910.290.03-0.20.160.79-0.85-0.20.480.560.890.890.360.810.37-0.750.8-0.92-0.32
0.870.770.84-0.04-0.930.980.590.940.820.620.870.57-0.460.620.60.560.710.740.970.940.81-0.880.9-0.71-0.94
0.370.120.23-0.23-0.910.830.980.470.190.040.350.85-0.830.040.670.890.711.00.540.880.63-0.880.94-0.97-0.5
0.390.160.27-0.25-0.920.850.980.510.230.070.370.86-0.840.070.650.890.741.00.580.90.64-0.890.96-0.98-0.52
0.90.90.94-0.03-0.830.890.40.990.920.740.910.45-0.320.740.470.360.970.540.580.820.77-0.770.79-0.55-0.96
0.710.510.61-0.07-0.990.990.80.770.590.370.70.7-0.640.370.690.810.940.880.90.820.77-0.930.97-0.88-0.81
0.860.530.630.43-0.760.830.50.70.670.720.840.23-0.170.720.880.370.810.630.640.770.77-0.650.74-0.52-0.86
-0.62-0.46-0.550.180.96-0.92-0.81-0.74-0.53-0.21-0.62-0.810.68-0.21-0.62-0.75-0.88-0.88-0.89-0.77-0.93-0.65-0.940.870.74
0.610.450.54-0.21-0.990.950.880.740.50.310.60.81-0.750.310.650.80.90.940.960.790.970.74-0.94-0.93-0.73
-0.32-0.16-0.260.390.9-0.81-0.97-0.49-0.190.0-0.3-0.90.910.0-0.53-0.92-0.71-0.97-0.98-0.55-0.88-0.520.87-0.930.47
-0.98-0.85-0.91-0.240.8-0.89-0.34-0.94-0.93-0.78-0.98-0.280.15-0.78-0.64-0.32-0.94-0.5-0.52-0.96-0.81-0.860.74-0.730.47
Click cells to compare fundamentals

SHF Holdings Account Relationship Matchups

SHF Holdings fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets7.5M99.5M67.9M13.2M15.2M14.4M
Other Current Liab129.5K20.9M1.0M1.3M1.5M1.4M
Net Debt(5.5M)50.2M10.1M9.5M11.0M13.5M
Accounts Payable43.6K2.7M794.7K216.3K248.8K236.3K
Cash5.5M8.4M4.9M2.3M2.1M3.9M
Other Assets1.5M56.9M(2.8M)(13.2T)(11.9T)(11.3T)
Net Receivables548.8K1.5M6.8M1.1M1.3M2.3M
Other Current Assets6.0K326.4K1.1M1.1M1.2M1.3M
Total Liab181.5K94.3M33.5M25.5M29.3M33.8M
Total Current Assets6.0M10.2M12.8M4.5M5.2M8.1M
Common Stock7.3M2.4K273.0278.0250.2237.69
Today, most investors in SHF Holdings Stock are looking for potential investment opportunities by analyzing not only static indicators but also various SHF Holdings' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of SHF Holdings growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.004262)

At this time, SHF Holdings' Price Earnings To Growth Ratio is comparatively stable compared to the past year.

SHF Holdings February 13, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of SHF Holdings help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of SHF Holdings. We use our internally-developed statistical techniques to arrive at the intrinsic value of SHF Holdings based on widely used predictive technical indicators. In general, we focus on analyzing SHF Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build SHF Holdings's daily price indicators and compare them against related drivers.

Additional Tools for SHF Stock Analysis

When running SHF Holdings' price analysis, check to measure SHF Holdings' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy SHF Holdings is operating at the current time. Most of SHF Holdings' value examination focuses on studying past and present price action to predict the probability of SHF Holdings' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move SHF Holdings' price. Additionally, you may evaluate how the addition of SHF Holdings to your portfolios can decrease your overall portfolio volatility.