SHFS logo

SHF HOLDINGS INC

SHFSNASDAQ
πŸ† #5405 by market capEarnings Nov 17US Equity
$0.11β–² $0.00 (+0.82%)
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24hβ–² 0.8%
7dβ–Ό 34.0%
14dβ–Ό 33.9%
30dβ–Ό 33.7%
ytdβ–Ό 89.7%
1yβ–Ό 98.5%
🏦Market Cap
$1M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-58.3%
Declining
πŸ“ŠGross Margin
89.0%
High
πŸ’΅FCF Margin
-22174.3%
Thin
βš–οΈP/S Ratio
0.1x
Cheap
Otter Score
44
Weak

Trading Snapshot

Day Range
$0.11 – $0.11
52-Week Range
$0.10 – $7.64
Volume
$3.27B
Avg Volume
$3.42B
Shares Outstanding
12.3M
Next Earnings
Nov 29, 2026

Fundamentals Snapshot

Annual Revenue
$8M
Last Q Revenue
$2M
P/E Ratio
-0.1
P/S Ratio
0.1x
EPS (TTM)
$-0.53
Dividend Yield
0.00%
Dilution (1yr)
+4.9%

Why Investors Own SHFS

  • βœ“High-growth profile β€” revenue up -7.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 65% gross margin and 27% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

SHFS logo

SHF HOLDINGS INC

SHFS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$8Mβ–Ό βˆ’58.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
56.6%β–Ό βˆ’45.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
βˆ’$5Mβ–² +21.1% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
βˆ’$3Mβ–Ό βˆ’893.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
2.9Mβ–² +4.9% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$6Mβ–² +$16M YoY
StockOtter Β· stockotter.space

About SHF HOLDINGS INC

SHF Holdings, Inc., operating through its subsidiaries, specializes in facilitating access to a comprehensive array of banking, lending, and other crucial financial services for institutions that cater to the cannabis industry. Utilizing its exclusive technological platform, the company delivers a diverse set of functionalities. These include corporate checking and savings accounts, treasury management solutions, various savings and investment options, commercial credit facilities, dedicated courier services, convenient remote deposit features, automated clearing house (ACH) payment processing (both initiation and receipt), and secure wire transfers. Ultimately, these offerings provide cannabis-related businesses with vital financial infrastructure and enhanced insights, empowering them to manage their operations more effectively and leverage essential resources via the financial institutions partnered with SHF Holdings. The company was established in 2015 and is headquartered in Arvada, Colorado.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
44/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Oct 2023

Latest News & Updates

GlobeNewsWireΒ·1d ago

Safe Harbor Financial Announces the Implementation of a Reverse Stock Split

DENVER, Sept. 28, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor Financial (β€œSafe Harbor” or the β€œCompany”) (NASDAQ: SHFS), a leading fintech platform serving the banking, lending, and financial services

GlobeNewsWireΒ·13d ago

Safe Harbor Institutional Named Top Business Solutions Company at 2026 PBC Cannabis Banking Conference

Industry recognition highlights Safe Harbor's expertise in helping banks and credit unions build, strengthen and scale cannabis banking programs Industry recognition highlights Safe Harbor's expertise in helping banks an

GlobeNewsWireΒ·14d ago

Safe Harbor to Address Banking and Capital Access for Colorado Cannabis Operators at IgniteIt Market Spotlight 2026

DENVER, Sept. 15, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor (the β€œCompany” or β€œSafe Harbor”) (NASDAQ: SHFS), a leading fintech platform serving the banking, lending, and financial services needs of t

GlobeNewsWireΒ·Aug 27

Safe Harbor Institutional to Highlight Scalable Cannabis Banking Infrastructure at PBC Conference

DENVER, Aug. 27, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor (the β€œCompany” or β€œSafe Harbor”) (NASDAQ: SHFS), a leading provider of cannabis banking infrastructure and compliance solutions for financia

GlobeNewsWireΒ·Aug 10

Safe Harbor Financial Reports Second Quarter 2026 Results and Provides Corporate Update

Second Quarter 2026 Revenue of Approximately $1.9 Million, Up 4.8% Year Over Year Loan Program Income Up 50.7% Year Over Year to Approximately $0.8 Million Average Deposit Balances Increased 6.8% Year Over Year to $108.4

GlobeNewsWireΒ·Aug 6

Safe Harbor's Cannabis-Focused 401(k) Plan Gains Early Adoption as Canopy HR Names It the Recommended Retirement Solution for its Clients

DENVER, Aug. 06, 2026 (GLOBE NEWSWIRE) -- SHF Holdings, Inc., d/b/a Safe Harbor (the β€œCompany” or β€œSafe Harbor”) (NASDAQ: SHFS), a leading fintech platform serving the banking, lending and financial services needs of the