SHF HOLDINGS INC (SHFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$0.03-16.35%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
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.
Safe Harbor’s trailing 14-day average deposit balance was approximately $119.3 million as of September 30, 2026, compared with approximately $111.1 million as of September 30, 2025, up 7.4% and appro…
Stated in 1 of 1 supplied quarters. Management reported: ““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 to $108.4 million, with our trailing 14-day average balance up 7.9%.” “Safe Harbor’s trailing 14-day average deposit balance was approximately $119.3 million as of September 30, 2026, compared with approximately $111.1 million as of September 30, 2025, up 7.4% and approximately 25% above the trailing 14-day average low of approximately $95.3 million recorded in May 2025.”
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 59% for the rest of the cohort, n=7714).
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 to $108.4 million, with our trailing 14-day avera…”
“Our underlying expense trends remain consistent with our commitment to disciplined cost management, and we continue to identify further opportunities for efficiency even as we invest in the platform…
Stated in 1 of 1 supplied quarters. Management reported: ““Our underlying expense trends remain consistent with our commitment to disciplined cost management, and we continue to identify further opportunities for efficiency even as we invest in the platform.”” “For the six months ended June 30, 2026, total operating expenses decreased 0.6% to approximately $6.7 million, compared to the same period in 2025.”
““Our underlying expense trends remain consistent with our commitment to disciplined cost management, and we continue to identify further opportunities for efficiency even as we invest in the platform…”
“We are continuing to invest in the people, systems and products that support that our growth, including the expansion of our consulting and managed services offering and our purpose-built pooled emp…
Stated in 1 of 1 supplied quarters. Management reported: ““We are continuing to invest in the people, systems and products that support that our growth, including the expansion of our consulting and managed services offering and our purpose-built pooled employer retirement plan, which has already onboarded multiple clients and earned the endorsement of Canopy HR as the recommended retirement solution for its cannabis-focused clients.” “|| ● | Canopy HR Selects the Safe Harbor Retirement Plan (August 2026): Canopy HR, a provider of HR, compliance, benefits and administrative support for the cannabis industry serving approximately 526,000 worksite employees, selected the Safe Harbor Pooled Employer 401(k) Plan as the recommended retirement solution for its cannabis-focused clients.”
““We are continuing to invest in the people, systems and products that support that our growth, including the expansion of our consulting and managed services offering and our purpose-built pooled emp…”
“We are committed to meeting Nasdaq’s listing requirements and are exploring multiple strategies to regain compliance,” said Terrance Mendez, Chief Executive Officer and Chief Financial Officer of Sa…
Stated in a supplied disclosure. Management reported: ““We are committed to meeting Nasdaq’s listing requirements and are exploring multiple strategies to regain compliance,” said Terrance Mendez, Chief Executive Officer and Chief Financial Officer of Safe Harbor.” “The Company also provided written notice to Nasdaq of its intention to cure the deficiency during the second compliance period by effecting a reverse stock split, if necessary.”
Continue to grow loan program income and increase deposit balances through enhanced marketing and customer-focused initiatives.
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 60% for the rest of the cohort, n=6873).
Not enough signal yet.
Not enough signal to read sensitivity to the US dollar, the broad stock market, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
45 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.