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Shf(NASDAQ) SHFS

Current Price$0.20
Market Cap$2.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)-100%
5 YearN/A
1 Year-94%
1 Month-18%
Shf last closing stock price
MetricPriceDate
Last closeUSD 0.192026-07-24
Shf stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-7.04%USD 0.212026-07-17
1 month-17.96%USD 0.242026-06-24
3 month-79.64%USD 0.952026-04-24
Year to date-81.69%USD 1.062025-12-31
1 year-94.14%USD 3.312025-07-24
3 year-98.27%USD 11.202023-07-25
Since inception-99.9%USD 197.602021-08-20

Shf Financials at a Glance

Market Cap

$2.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$11.22M

Net Income (TTM)

-$3.11M

EPS (TTM)

-$0.97

P/E Ratio

-0.20

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$0.20

Volume

1,048

Open

$0.20

Previous Close

$0.20

Daily Range

$0.20 - $0.20

52-Week Range

$0.18 - $9.19

Estimated Earnings Date

Aug 18, 2026

SHFS News

No articles available.

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About Shf

SHF Holdings helps banks serve cannabis businesses with compliance and payment tools. Its platform lets cannabis companies access checking, lending, and payment services. This helps businesses manage money safely and follow complex rules.

Products and Services

  • Account Fee Services: Business checking and savings accounts for cannabis businesses (51.6% of 2025 revenue).
  • Lending Services: Loans for cannabis companies, including sourcing and administration (32.3% of 2025 revenue).
  • Investment Income: Earnings from investments linked to cannabis-related financial activities (15.1% of 2025 revenue).
  • Compliance Platform: Safe Harbor Program for regulatory compliance and onboarding (1.0% of 2025 revenue).
  • Merchant Services: ATM-related services and revenue sharing for cannabis businesses (9.7% of 2025 revenue).

Growth and Expansion

  • Acquired 420 IT Solutions in December 2025 to expand compliance review services.
  • Launched managed services for finance, IT, and HR in 2025, targeting cannabis businesses and banks.
  • Formed lending partnerships with private capital sources in 2025 to diversify funding.
  • Completed a major recapitalization in September 2025, eliminating $18 million in debt and raising $6.7 million in new capital.

What Makes SHF Holdings Stand Out

SHF Holdings operates in 41 states, supporting banks and cannabis businesses with compliance and payment solutions. Its Safe Harbor Program has processed $35.4 billion in cannabis-related funds since 2015. The company’s long-term partnership with Partner Colorado Credit Union drives most of its revenue.

Five Things You Need to Know

  • Revenue was $7.7 million in 2025, down 49.7% from 2024.
  • Operating loss was $5.4 million in 2025, improving from $7.1 million in 2024.
  • Cash and cash equivalents were $6.8 million at December 31, 2025.
  • Account fee income made up 51.6% of 2025 revenue; lending 32.3%.
  • PCCU accounted for 86.7% of 2025 revenue, showing high customer concentration.

Bottom Line

SHF Holdings has adapted to a changing cannabis finance market with compliance-focused services and new partnerships. The company faces ongoing challenges but remains a key player in cannabis banking infrastructure.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

40

CEO

Terrance E. Mendez

Website

www.shfinancial.org

Headquarters

Golden, CO 80003, US

SHFS Financials

Key Financial Metrics (TTM)

Gross Margin

87.98%

Operating Margin

-28.13%

Net Income Margin

-27.75%

Return on Equity

-303.81%

Return on Capital

-60.35%

Return on Assets

-19.84%

Earnings Yield

-5.00%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$2.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

12.33M

Volume

1.05K

Avg. Volume

3.47M

Financials (TTM)

Gross Profit

$9.87M

Operating Income

-$3.16M

EBITDA

-$2.90M

Operating Cash Flow

-$3.36M

Capital Expenditure

-$1.00

Free Cash Flow

-$3.36M

Cash & ST Invst.

$7.32M

Total Debt

$666.67K

Shf Performance Analysis

Shf annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 9,478,81935.3%
20232023-12-31USD 17,562,90385.3%
20242024-12-31USD 15,242,560-13.2%
20252025-12-31USD 7,673,532-49.7%
Shf sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-39.5%
Q32025-09-30-39.4%
Q42025-12-31420.5%
Q12026-03-31-67.7%
Shf annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD -37.00N/A
20232023-12-31USD -8.12-78.1%
20242024-12-31USD -17.43114.7%
20252025-12-31USD -0.82-95.3%
Shf sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-200.0%
Q32025-09-30117.5%
Q42025-12-31-567.9%
Q12026-03-31-59.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$1.98M

-38.4%

Gross Profit

$829.63K

-73.2%

Gross Margin

42.00%

N/A

Market Cap

$2.39MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$59.85K

N/A

Employees

40

N/A

Net Income

-$1.78M

-115.1%

EBITDA

-$1.63M

-97.9%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$7.32M

+669.8%

Total Debt

$666.67K

-94.2%

Accounts Receivable

$1.27M

+74.7%

Inventory

$0.00

N/A

Long Term Debt

$480.77K

-95.8%

Short Term Debt

$185.90K

+12.1%

Return on Assets

-19.84%

N/A

Return on Invested Capital

-35.71%

N/A

Free Cash Flow

-$1.08M

+5.4%

Operating Cash Flow

-$1.08M

+5.4%

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Questions About SHFS

What is the current price of Shf?

Shf is trading at $0.20 per share.

What is the 52-week range for Shf?

Over the past 52 weeks, Shf has traded between $0.18 and $9.19.

How much debt does Shf have?

As of the most recent reporting period, Shf reported total debt of $666.67K.

How much cash does Shf have on hand?

Shf reported $5.90M in cash and cash equivalents in its most recent financial results.

What is Shf’s dividend yield?

Shf does not currently have a dividend yield.

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