SHF Holdings, Inc. (SHFS) AI Stock Analysis

SHF Holdings, Inc. specializes in providing essential banking and financial services tailored for institutions operating within the cannabis industry through its subsidiary operations. Established in 2015 and headquartered in Arvada, Colorado, the company operates a proprietary platform designed to facilitate access to financial solutions. These services include business checking and savings accounts, cash management services, savings and investment options, commercial lending, courier services, remote deposit services, automated clearing house payments, and wire payments. The company aims to enable cannabis-related businesses to manage operations with enhanced transparency and regulatory compliance.

Revenue has fluctuated across recent reporting periods, falling 58.3% to $7.7M in FY2025 from $18.4M in FY2024 and $20.3M in FY2023. In FY2022, revenue was -$32.0M. Net income has remained negative in recent years, standing at -$2.2M in FY2025, -$48.3M in FY2024, and -$17.3M in FY2023. In FY2025, operating margin was -70.4% and gross margin was 56.6%. Over the trailing twelve months, revenue was $8.4M, with a net profit margin of -43.9%. For the latest quarter ended June 30, 2026, quarterly revenue grew 34.0% year-over-year, while quarterly earnings growth was -52.9%.

As of June 30, 2026, SHF Holdings held $5.7M in cash and short-term investments alongside total debt of $622,074, resulting in net cash of $5.1M. Shareholders' equity was $6.1M against total assets of $14.2M. The company reported a current ratio of 1.76 and a debt-to-equity ratio of 0.10. Operating cash flow and free cash flow were both -$3.4M in FY2025, following free cash flow of $430,477 in FY2024. During FY2025, the company deployed $292,800 toward share buybacks.

SHF Holdings trades at a price-to-sales multiple of 0.0x, which is below the 3.2x median of its US-listed Financial Services peers. The stock holds an EV-to-revenue ratio of 0.2x and a price-to-book ratio of 0.3x, with an enterprise value of -$5.0M and a market capitalization of $147,892. Over the past year, the shares have declined 99.7%, trailing the S&P 500 (SPY) return of 16.8%. Over a 5-year period, the stock has dropped 100.0%, compared to an 83.0% gain for the benchmark.

Wall Street coverage includes a mean price target of $1.50, which sits 942.4% above the last close price of $0.14 on October 16, 2026. The company's next earnings report is scheduled for November 11, 2026.

This page is an AI-written research summary of SHF Holdings, Inc. (SHFS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: SHFS income statement, SHFS balance sheet, SHFS key metrics, SHFS chart. See the SHFS stock overview for the latest quote and news.