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
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -85.4% |
| Our one-year growth estimate | diamond | -15.7% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 69.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Elevated risk of a next-quarter earnings miss: this name has been missing across recent quarters and is a smaller-cap name (higher miss base rate). A fundamental tilt, not a price call.
Model as of 2026-09-04 · Compared with 220 industry peers · Company calendar date is not available
SHFS — Principal Accounting Officer transition
Dated 2026-08-05
The filing details retention agreements and compensation arrangements for key employees and directors, with a delayed resignation of the Principal Accounting Officer.
Why it matters: The company received a notice for not meeting the minimum bid price. This could affect its listing status.
Worry ifThe company keeps a closing bid price over $1.00 for 30 days in a row.
Less concerning ifThe company fails to regain the minimum bid price, leading to delisting.
Why it matters: The company received a notice for not meeting the minimum bid price. Compliance is critical for listing.
Worry ifThe company gets proof that it meets Nasdaq listing rules.
Less concerning ifThe company fails to regain compliance and faces delisting.
Why it matters: Positive operating income shows good cost management. It also means less loss.
Supportive ifOperating income was good in Q2.
Worry ifOperating income was bad in Q2.
Why it matters: Better cash flow is key. It helps with financial health and growth.
Supportive ifOperating cash flow is positive in Q2 2026. This is better than the negative $1.08 million before.
Worry ifOperating cash flow is still negative. This shows the company is still having money issues.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$320 on $10,000 · ±3.2% | How much price usually moves either way. |
| Bad day | $1,125 loss on $10,000 · 11.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $9,794 loss on $10,000 · 97.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Less cash may cause liquidity issues. This can limit how a company operates.
Worry ifCash and cash equivalents were below $5.9 million.
Less concerning ifCash and cash equivalents remain above $5.9 million.
Why it matters: Strong loan program income growth shows the company is doing well. It attracts more customers and makes more money.
Supportive ifLoan program income for Q3 2026 exceeds $0.8 million, showing over 50% growth year over year.
Worry ifLoan program income for Q3 2026 is below $0.8 million, indicating weaker growth.
Why it matters: A smaller operating loss shows better cost management. This can make investors feel positive.
Supportive ifOperating loss was below -$1.51 million in Q2 2026.
Worry ifOperating loss remains above -$1.51 million in Q2 2026.
Why it matters: Higher expenses might mean trouble in keeping costs down while investing in growth.
Worry ifOperating expenses for Q3 2026 stay at or below $3 million. This shows good cost control.
Less concerning ifOperating costs will go over $3 million in Q3 2026.
Why it matters: The hearing's result could change the cannabis banking market. It could also impact Safe Harbor's business.
Watch forDEA makes a smart choice about cannabis rescheduling.
Also watch forDEA keeps cannabis scheduling the same.
Why it matters: More deposit balances show that marketing and customer efforts are working. It means the company is gaining more customers.
Supportive ifAverage deposit balances for Q3 2026 increase by more than 7% year over year.
Worry ifAverage deposit balances for Q3 2026 increase by less than 6% year over year.
Why it matters: Growth in the retirement plan shows the company is expanding its products. It meets customer needs in the cannabis sector.
Supportive ifThe Safe Harbor Retirement Plan adds more than six new clients in the next quarter.
Worry ifThe Safe Harbor Retirement Plan adds fewer than three new clients in the next quarter.