Descripción de la empresa
SHF Holdings, Inc. operates through its subsidiaries to provide access to banking, lending, and various other financial services specifically tailored for financial institutions serving the cannabis industry. The company utilizes a proprietary platform to offer access to business checking and savings accounts, cash management accounts, and other related financial products within this specialized sector. This entity is classified within the Financial Services sector and operates specifically in the Banks - Regional industry, a classification that defines its regulatory environment and competitive landscape. In terms of scale, the company currently holds a market capitalization of $2.46M, generates annual revenue of $9.99M, and employs 41 individuals. The combination of a relatively small market cap of $2.46M and annual revenue of $9.99M indicates that the company operates as a micro-cap regional bank with a very limited operational footprint compared to major national institutions.
Salud financiera
The financial statements for the trailing twelve months show a revenue of $9.99M, which contrasts sharply with a net income of $-53,242,900, while the EBITDA figure is listed as N/A. The significant gap between the reported revenue of $9.99M and the substantial net loss of $-53,242,900 reveals a highly volatile cost structure where operating expenses significantly exceeded total income generation. Although specific free cash flow data is not available (N/A), the company maintains a cash position of $861,722, which provides a limited buffer for immediate obligations but suggests constrained financial flexibility given the current loss position. The company presents three distinct margin metrics: a gross margin of 100.0%, an operating margin of -93.0%, and a profit margin of 0.0%. The 100.0% gross margin suggests that the cost of goods sold is negligible or fully offset, while the negative operating margin of -93.0% indicates that administrative and operational costs are consuming the majority of the revenue before reaching the bottom line. The profit margin of 0.0% reflects the net loss situation relative to revenue. On the balance sheet, the company holds $861,722 in cash against $1.52M in debt, resulting in a debt-to-equity ratio of 21.68. This leverage ratio combined with the cash position suggests a leveraged balance sheet rather than a conservative one, as the debt obligation is nearly double the liquid cash reserves. Liquidity is supported by a current ratio of 2.08, which indicates that the company possesses more than twice the current assets necessary to cover its short-term liabilities. Finally, the return on equity stands at -229.7% and the return on assets is -132.2%, metrics that reveal that management effectiveness has been negative, eroding shareholder value and asset efficiency over the trailing period.
Evaluación de valoración
The trailing P/E ratio is N/A due to the negative net income, and the forward P/E is also N/A, implying that traditional earnings-based valuation multiples cannot currently be applied to determine value. The absence of both trailing and forward P/E figures suggests that the market cannot price the stock based on expected earnings growth until profitability is restored. The price-to-book ratio is 0.33, which indicates that the market is valuing the company at a significant discount to its book value, suggesting a perceived high risk or lack of tangible asset appreciation. Alternative valuation metrics such as the price-to-sales ratio of 0.25 and an EV/EBITDA of N/A provide a different perspective, showing the company trades at a fraction of its revenue, which is typical for distressed or speculative small-cap financial entities. The stock has traded between a 52-week high of $9.19 and a 52-week low of $0.72, with the current market price sitting at a level that reflects the significant volatility and uncertainty surrounding the asset. The beta value is 0.92, which means the stock's price volatility is roughly in line with the broader market, though the high negative returns suggest that market movements may have an amplified negative impact on this specific regional bank.
Growth & Income
The company is experiencing a contraction in business, with revenue growth year-over-year at -52.3% and earnings growth year-over-year at -52.9%. The earnings growth rate of -52.9% is slightly faster in decline than the revenue growth rate of -52.3%, implying that the company's cost structure or expense base is not shrinking as quickly as its revenue is falling, further compressing profitability. As the dividend yield is N/A and the payout ratio is 0.0%, the company does not distribute cash to shareholders, indicating that it retains all earnings to cover losses or potentially fund operations rather than paying dividends. Consequently, the overall growth and income profile for SHF Holdings, Inc. is characterized by significant negative growth trajectories across both revenue and earnings streams, with no current income generation from dividends or retained earnings benefiting the shareholder base.