SHF HOLDINGS INC (SHFS)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$0.03-23.56%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
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 | -89.6% |
| 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 2026-11-04.
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 74.0 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 2026-11-04 · Compared with 231 industry peers
SHFS — legal / regulatory event — Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standar…
Dated 2026-10-20
Notice of Delisting or Failure to Satisfy a Continued Listing Rule or Standard; Transfer of Listing. On October 20, 2026, SHF Holdings, Inc. (the “Company”) received a letter (the “Letter”) from the listing qualifications department staff (the “Staff”) of The Nasdaq Stock Market LLC (“Nasdaq”) stating that the Company is eligible for an additional 180 calendar days, or until April 19, 2027, to regain compliance with Nasdaq’s requirement to maintain a minimum closing bid price of $1.00 per sha…
Why it matters: SHFS has until April 19, 2027 to meet Nasdaq's $1 minimum bid rule. A reverse split remains an option.
Worry ifNasdaq confirms the closing bid was at least $1 for 10 straight business days, and closes the matter.
Less concerning ifSHFS does not regain compliance by April 19, 2027, or announces a reverse split to address the shortfall.
Why it matters: Q2 average monthly account fees fell 17.1% from a year earlier. A continued drop could offset deposit and loan growth.
Worry ifAverage monthly account fees fall more than 17.1% year over year in the next reported quarter.
Less concerning ifAverage monthly account fees decline less than 17.1% year over year or rise from the prior-year level.
Why it matters: Loan income was a main source of Q2 revenue growth. A sharp slowdown could weaken that support.
Watch forQ3 loan program income grows more than 50% year over year, matching the Q2 growth rate.
Also watch forQ3 loan program income grows less than 25% year over year or falls from Q2's $0.8 million.
Why it matters: Deposits rose 9.6% from June to September. Final results can confirm this growth and show whether it lifted revenue.
Supportive ifThe November 11 results show deposits near or above $119.3 million. Year-over-year revenue growth is above Q2's 4.8%.
Worry ifFinal deposits fall below the early $119.3 million estimate, or revenue growth from last year is 4.8% or less.
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 | ±$446 on $10,000 · ±4.5% | How much price usually moves either way. |
| Bad day | $2,479 loss on $10,000 · 24.8% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $9,989 loss on $10,000 · 99.9% | 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: The October term sheet is non-binding. A signed deal would clarify the planned business combination and its terms.
Watch forSHFS and Opifex announce a binding agreement with clear terms and required closing steps.
Also watch forSHFS or Opifex ends talks, or no binding agreement is announced.