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SHF HOLDINGS INC (SHFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-06-16
Watch· this week
$0.28+7.43%
Close 2026-06-16 · 1-day change
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
The bottom line
Recent financial performance is weak. Earnings quality can't be assessed since the company was unprofitable over the past year. Management's recent track record has been unsteady, with frequent changes. Risk is elevated, and the sector backdrop is a headwind. Peer multiples imply a price about 75% above where it trades (it looks cheap on this basis); the read is cheap, value-trap risk. This is due to weak recent financials and fragile earnings quality.
as of 2026-06-16
Quick facts
- Exchange
- NASDAQ
- Sector
- Financials
- Industry
- Banks - Regional
- Market cap
- $1.71M
- Employees
- —
- IPO date
- 2021-06-02
- Next earnings
- —
Price
Daily closes. Earnings/event dots are placed inline.
Adjusted daily closes (split & dividend). Scroll over the chart to zoom; click a range to reset.
EarningsMaterial event
What's priced in
(what the market already expects)What it's worth (estimated)
A consensus fair price across 1 valuation methods, at three horizons. Current price $0.28. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
12-month· primaryinexpensive
$1.13consensus
Range $1.13 – $1.13
vs price: -75% below
Method agreement — · 1 method
No-growth: today's peer multiple on trailing earnings. The headline read.
3-yearexpensive
$0.06consensus
Range $0.06 – $0.06
vs price: +343% above
Method agreement — · 1 method
Embeds projected growth. Leans optimistic by design. Upside context.
5-year—
How much to trust our fair value
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
Cheap vs peerslow confidence
At $0.28 SHFS trades at 0× p/s, below its 3× p/s peer median. Our $1.12 fair value sits above the price; low confidence. Not investment advice.
Multiple (P/S)
0.1x
peer 3.0x · own history —
Premium
0.0x peer
Growth the price needs
-75%
our forecast —
Our fair value
$1.12
range $1.12 – $1.12
WhyEarnings too small for P/EPeer anchor overstates the discount
How this stock is priced
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Long-term · 1–3 yr
inexpensivecheap — value-trap risk12-month view
What's priced in
The price sits about 75% below a flat-multiple fair value; not enough history to forecast a comparison. This describes what's priced in, not a forecast of the move.
TTM earnings are negative, so the read leans on sales- and cash-flow-based methods rather than P/E. This is a data condition, not a forward call.
Low fragilityrisk posture, not a price call
No fragility gates fired. Regime (Mania) does not concentrate fragility.
Historical context
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
How strong is the business
(quality & execution)Factor signals
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Recent financial performance
weakOperating income rose in 0 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 56% of the time over the next year (vs 59% for the rest of the cohort, n=3730).
3rd pctl · Financials
Earnings quality
loss makingOver the trailing year it converted 1.08x of net income into operating cash flow.
Macro sensitivity
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity.
Management & capital allocation
volatile25 material management or governance events in the past 24 months, led by M&A activity. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Earnings setup & market context
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
Sector context
Intermediate · WeeklySector phase: financials is in growth, with decelerating (~3.2 years in phase).
Sector regime (90d momentum): headwind.Secular epoch: Growth by revenue growth · theme capital-markets/rates.headwind-4.4%sector vs S&P 500, 60d
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
AI cycle regime · market-wide
2-axis classifierLong-term · 1–3 yr
Management scorecard
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Long-term · 1–3 yr
Overall: weakProvisional
- Capital allocation
- neutral
- Margin discipline
- weak
- Balance sheet
- neutral
A guidance track record builds as the company issues and delivers on guidance.
as of 2026-06-16
What management is focused on
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
How bumpy is the path
(risk while you hold it)Risk: how this stock moves
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
Intermediate · WeeklyLong-term · 1–3 yr
On a typical day, $10k can swing ±$412.
How much price usually moves either way.
On a bad day, this stock has moved -$1,147.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $9,680.
Deepest peak-to-trough drop in the last year.
elevatedas of 2026-06-16
Past results, not a forecast. Not investment advice.
What would change the read
(catalysts & re-read triggers)What changed
The most important moves since the prior daily snapshot.
Short-term · Daily
- label change · signal_labelmoderate change
Signal changed from 'mild_favorable' to 'mixed'.
- score change · valuation_scoresmall change
Valuation fell by 12.1 points (from 70.0 to 57.9).
- label change · valuation_labelsmall change
Valuation label changed from 'None' to 'inexpensive'.
- provisional transition · is_provisionalsmall change
Row flagged provisional (some sub-scores became unavailable).
The valuation dimension changed and became inexpensive. Risk remained elevated. The sector backdrop faced a headwind. Recent financial performance was weak.
What to watch next
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
No named catalysts to watch right now. Check back after the next earnings report.
News catalysts
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for SHFS yet.
This sector is also watching
- Watch for revenue growth dropping below 10% across major banks
What could change this view
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Intermediate · Weekly
Upside triggers
- If sector bellwethers like HDB, IBN, and PNC keep beating earnings and guiding higher, the Financials sector momentum should keep lifting SHFS and other Financials names. Worth watching these names for early signals.
- If inflation reaccelerates, say headline CPI back above 3.5% (currently 2.8%), that would benefit SHFS and other Financials names (the sector typically holds up well in inflationary environments).
Downside triggers
- If the Fed starts cutting rates from the current 3.62%, that would weigh on SHFS and other Financials names, since the sector usually outperforms when rates stay high.
- If sector bellwethers like HDB, IBN, and PNC start missing or guiding lower, the Financials tailwind helping SHFS and other Financials names could fade. Watch these names for early warning.
- If GDP growth slows materially from the current 2.6% (say, below 2%), it hits SHFS and other Financials names harder than the average stock, since the sector is growth-sensitive.
Recent events
(material 8-K / filing activity)Material updates
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
- 2026-05-181mo agoItem 2.02
and Exhibit 99.1 of this Current Report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or incorporated by reference in any filing under the Securities Act of 1933, as amended (the “Securities Act”) or the Exchange Act, except as shall be expressly set forth by specific reference in such a filing. The furnishing of the information in this
Earnings preannouncement—
Score history
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
-6.1 vs last weeklatest as of 2026-06-17
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.