NASDAQ · Banks - Regional · USD

SHF Holdings, Inc. (SHFS) Stock Analysis

SHF Holdings, Inc. (SHFS) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

SHFS

$0.15

+$0.06 (+71.52%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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SHFS Key Statistics

As of Oct 21, 2026

Trading

Open: $0.15
Previous Close: $0.0899
Day's Range: 0.12–0.18
52-Week Range: 0.073–42.28
Volume: 512.04M
Beta: 0.87

Valuation

Market Cap: $158.48K
P/E Ratio: unprofitable
EPS (ttm): −11.67

Financials (FY)

Revenue (FY): $11.84M−32.40%
Net Income (FY): −$2.16M
Profit margin: −43.92%
Shares Outstanding: 1.03M
1-Year Return: −95.26%

Dividend and dates

Avg Volume: 4.62M

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, SHFS closed at $0.15, −95.26% over 1 year.

SHF Holdings, Inc. (SHFS) has a market capitalization of $158.48K.

In fiscal 2025, SHFS reported revenue of $11.84M.

SHFS Stock Return by Calendar Year

SHF Holdings, Inc. (SHFS) return since Aug 2021: what $10,000 became

1 year: $10,000 $474; −95.26%
5 years: $10,000 $8; −99.92%
Since Aug 2021: $10,000 $8; −99.92%

If you had invested $10,000 in SHF Holdings, Inc. (SHFS) at the close on August 20, 2021, the earliest close on record here, it would have been worth $8 at the close on October 21, 2026: −99.92% in total, −74.95% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

+1.92%−82.37%−20.00%−68.31%−88.22%−85.45%

2021*20222023202420252026*

Year	Return
2026 (partial year)	−85.45%
2025	−88.22%
2024	−68.31%
2023	−20.00%
2022	−82.37%
2021 (partial year)	+1.92%

As of October 21, 2026.

SHFS Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

2022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$11.84M	−$2.16M	−18.3%
2024	$17.51M	−$48.32M	−275.9%
2023	$14.61M	−$17.28M	−118.2%
2022	−$32.61M	−$35.13M	107.7%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$11.84M	—	—	−$2.16M	−18.3%
2024	$17.51M	—	—	−$48.32M	−275.9%
2023	$14.61M	—	—	−$17.28M	−118.2%
2022	−$32.61M	—	—	−$35.13M	107.7%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

SHFS Valuation vs Banks - Regional Median

Median of 326 stocks

Metric	SHFS	Banks - Regional median	vs median
P/S ratio	0.02	3.58	0.0x the median
Profit margin	−43.92%	29.44%	73.4 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Analysis

Data-derived

Company Overview

SHF Holdings, Inc. (SHFS) is capitalised at $158.48K on the latest close. It is classified in the Banks - Regional industry, within the Financial Services sector. Headcount on file is 39.

The most recent close on file for SHFS is $0.15, dated October 21, 2026. That is +$0.06 (+71.52%) against the previous close. The 52-week range on file runs from $0.073 to $42.28. The latest close sits 111.23% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $11.84M. That is −32.40% against the prior fiscal year, when revenue was $17.51M. The same year closed with a net loss of $2.16M. Profit margin runs at −43.92%. That is 73.4 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are −11.67.

Across the 4 fiscal years on file, revenue moves from −$32.61M in 2022 to $11.84M in 2025. Of those 4 years, 0 report positive net income.

Valuation Assessment

No trailing P/E applies: the last reported earnings figure is negative.

The trailing one-year total return is −95.26%. Across 5 years the annualized return works out at −76.16%. Beta against the wider market is reported at 0.87. Annualized volatility over the trailing 5 years is 530.45%.

Growth & Income

The record shows no dividend for SHFS.

Across the complete calendar years on file, 2023 returned −20.00% and 2025 returned −88.22%. Of the 4 complete calendar years on file, 0 finished higher. So far in 2026 the total return is −85.45%.

Peer Comparison

SHF Holdings, Inc. (SHFS) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
SHF Holdings, Inc.	SHFS	$158.48K	—
Mizuho Financial Group, Inc.	MFG	$120.84B	13.7
HDFC Bank Limited	HDB	$116.51B	14.6
Itaú Unibanco Holding S.A.	ITUB	$106.91B	12.4

The Banks - Regional industry average P/E ratio is 12.0x. SHF Holdings, Inc. has no P/E ratio because it is not currently profitable.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About SHF Holdings, Inc.

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 checking and savings accounts; cash management accounts; savings and investment options; commercial lending; courier and vaulting services; remote deposit services; automated clearing house payments and origination; and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services for enhanced financial insight into business and access to resources. SHF Holdings, Inc. was founded in 2015 and is headquartered in Golden, Colorado.

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