SHF HOLDINGS INC (SHFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$0.16+0.76%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · SHFS
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue investing in marketing and customer-focused initiatives to grow loan program income and average deposit balances.
Stated as a priority in 2 of last 2 quarters. Loan program income grew from approximately $0.53 million in 2025-Q2 to $0.8 million in 2026-Q2 (+50.7%), and average deposit balances increased from $101.5 million to $108.4 million (+6.8%) over the same period. Management is delivering growth consistent with its stated focus on marketing and customer initiatives.
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.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Loan program income grew more than 50% year over year for the second consecutive quarter, and average deposit balances increased 6.8% year over year.”
“Loan program income grew more than 55% year over year, total revenue ahead of prior year period, average deposit balances in emerging US markets grew 29% YoY.”
Control operating expenses while investing in marketing, brand awareness, and systems to support growth.
Stated as a priority in 2 of last 2 quarters. Operating expenses increased 5.1% YoY in 2026-Q2 to $2.96 million from $2.82 million in 2025-Q2, reflecting strategic investments. In 2026-Q1, expenses decreased 4.7% YoY to $3.74 million from $3.92 million in 2025-Q1 due to cost-cutting. The trajectory shows disciplined cost management with targeted investments.
“Our underlying expense trends remain consistent with our commitment to disciplined cost management, despite strategic investments.”
“Operating expenses decreased 4.7% YoY due to cost-cutting measures, offset by one-time increases in professional fees and investments in marketing and people.”
Grow platform capabilities with new retirement plans and Infrastructure-as-a-Service for financial institutions.
Stated as a priority in 2 of last 2 quarters. Management launched a pooled employer retirement plan in 2026-Q2 with six new clients onboarded, including a multistate operator, and introduced Institutional Infrastructure-as-a-Service in July 2026. These product expansions align with management's stated growth and platform diversification strategy.
“Expansion of consulting and managed services, pooled employer retirement plan onboarded multiple clients, launched Institutional Infrastructure-as-a-Service.”
“Introduced Safe Harbor Retirement Plan and expanded lending platform with multiple new financing options.”
Position company to capitalize on cannabis rescheduling and expanded market opportunities.
Stated as a priority in 2 of last 2 quarters. Management highlights April 2026 DOJ order rescheduling medical cannabis and DEA hearings as positive regulatory momentum. While timing and scope remain uncertain, management believes Safe Harbor is well positioned to benefit from an expanding addressable market.
“Department of Justice's April 23 order rescheduling medical cannabis to Schedule III and DEA hearing on broader rescheduling.”
“April 23 order placing state-licensed medical cannabis on Schedule III and upcoming DEA hearing represent consequential federal cannabis policy developments.”
Continue efforts to reduce operating losses and improve net income through cost control and operational efficiency.
Over the trailing year it converted -0.55x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=6844).
Not enough signal yet.
Not enough signal to read sensitivity to the broad stock market, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity, the US dollar (low R² over the window).
46 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.