SHF Holdings (SHFS) AI Stock Analysis

• Market Cap: $2.43M
• Dividend Yield: N/A
• Average Volume (3M): 1.64M
• Price to Earnings (P/E): 424.5
• Beta (1Y): 2.10
• Revenue Growth: -42.15%
• EPS Growth: -1001.66%
• Country: US
• Employees: 41
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 3,081,076
• 10 Day Avg. Volume: 77,234
• 30 Day Avg. Volume: 1,636,468
• PEG Ratio: >-0.01
• Price to Book (P/B): -2.03
• Price to Sales (P/S): 1.36
• P/FCF Ratio: 58.04
• Enterprise Value/Market Cap: 0.96
• Enterprise Value/Revenue: 0.22
• Enterprise Value/Gross Profit: 0.20
• Enterprise Value/Ebitda: -0.26
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: $0.97 ▼(-5.83% Downside)
• Action: Reiterated Date: 01/17/26
• Date: Action: Reiterated 01/17/26

The score is driven down primarily by weak financial performance (declining revenue, negative profitability, and negative operating cash flow). Technicals also lean bearish with price below key moving averages and a negative MACD. Positive corporate actions (debt reduction, Nasdaq compliance, and new financing capacity) provide some support but are secondary to the current operating and cash-flow challenges.

Positive Factors

Improved capital structure

Material capital‑structure actions materially improve financing optionality: regained compliance, new equity line and debt elimination reduce near‑term liquidity stress, lower default risk and provide durable capacity to fund operating needs or strategic investments over the next several months.

Negative Factors

Declining revenue

Persistent revenue decline undermines operating leverage and market positioning. Falling top line reduces available cash to fund operations and investment, makes margin recovery harder, and signals potential loss of customer demand or competitive share over the coming 2‑6 months.

SHF Holdings Business Overview & Revenue Model

Company Description

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business check...

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SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business check...

How the Company Makes Money

SHF Holdings generates revenue through a variety of channels, including equity investments in portfolio companies, management fees from subsidiaries, and rental income from real estate holdings. The company often takes an active role in the manage...

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SHF Holdings generates revenue through a variety of channels, including equity investments in portfolio companies, management fees from subsidiaries, and rental income from real estate holdings. The company often takes an active role in the manage...

SHF Holdings Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.74M	18.41M	20.28M	-32.00M	7.01M	8.04M
Gross Profit	11.70M	19.27M	18.89M	-33.21M	7.00M	8.02M
EBITDA	-9.08M	-3.75M	-17.74M	-44.19M	3.29M	5.12M
Net Income	-53.24M	-48.32M	-17.28M	-35.13M	3.29M	5.12M
Balance Sheet
Total Assets	13.66M	13.22M	67.86M	99.45M	7.52M	4.57M
Cash, Cash Equivalents and Short-Term Investments	861.72K	2.34M	4.91M	8.39M	5.50M	3.00M
Total Debt	753.43K	11.88M	15.02M	58.59M	0.00	0.00
Total Liabilities	6.67M	25.51M	33.51M	94.34M	181.50K	220.95K
Stockholders Equity	7.00M	-12.29M	34.36M	5.11M	7.34M	4.35M
Cash Flow
Free Cash Flow	-5.13M	430.48K	-1.04M	1.68M	2.94M	4.95M
Operating Cash Flow	-5.13M	430.48K	-832.14K	1.70M	2.95M	4.95M
Investing Cash Flow	396.41K	12.39K	-2.18M	-2.90M	1.04M	5.83K
Financing Cash Flow	-266.19K	-3.01M	-488.83K	4.09M	-1.49M	-3.57M

SHF Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1.03
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SHFS, the sentiment is Negative. The current price of 1.03 is above the 20-day moving average (MA) of 0.84, above the 50-day MA of 0.90, and below the 200-day MA of 2.26, indicating a bearish trend. The MACD of -0.03 indicates Negative momentum. The RSI at 42.82 is Neutral, neither overbought nor oversold. The STOCH value of 29.88 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for SHFS.

SHF Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	54 Neutral	$34.69M	30.97	1.71%	―	15.56%	―
GLBZ	51 Neutral	$14.18M	-427.49	0.09%	―	5.76%	-72.73%
BAFN	46 Neutral	$28.02M	-1.41	-23.19%	4.10%	1.63%	-508.72%
SHFS	43 Neutral	$2.43M	424.54	-229.75%	―	-42.15%	-1001.66%

SHF Holdings Corporate Events