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Monday 2 November 2026
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SHF Holdings, Inc.
SHFS Financial Banks Regional
SHF Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $7.7 million, down 49.7% from fiscal 2024.
- Revenue
- +4.84%
- EPS
- −9.09%
- Free cash flow
- −160.2%
Quarter to June 2026, against a year earlier
0.05
0.01
−16.67%
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Target Price Range
Analyst price targets
Free accountTen years at a glance Fiscal years to December
| Ten-year view | Analyst estimates Powerpack | |||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group | Line | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM Jun ’26 | Trend | 10 yrs | 2026e | 2027e | 2028e | Next 3/yr |
| Income, $m | ||||||||||||||||||
| Income, $m | Revenue | — | — | — | — | — | 7 | 9 | 18 | 15 | 8 | 8 | +2.3% | — | — | — | — | |
| Gross margin, % | — | — | — | — | — | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 0.0 pt | ||||||
| EBT | — | — | — | — | — | 3 | (44) | (19) | (4) | (2) | (4) | n/m | ||||||
| EBT margin, % | — | — | — | — | — | 46.92 | (468.21) | (108.81) | (29.26) | (28.92) | (47.34) | (75.8) pt | ||||||
| Net income | — | 0 | — | — | — | 3 | (35) | (17) | (48) | (2) | (4) | n/m | ||||||
| Per share, $ | ||||||||||||||||||
| Per share, $ | Revenue | — | — | — | — | — | 0.00 | 119.83 | 99.06 | 65.99 | 31.53 | 13.53 | n/m | |||||
| Earnings | — | — | — | — | — | 31.80 | (444.18) | (98.44) | (209.24) | (9.84) | (11.88) | n/m | ||||||
| Cash flow | — | — | — | — | — | 0.00 | 21.46 | (4.69) | 1.86 | (14.04) | (7.69) | n/m | ||||||
| Capex | — | — | — | — | — | 0.00 | (0.22) | (1.18) | 0.00 | 0.00 | 0.00 | n/m | ||||||
| Free cash flow | — | — | — | — | — | 0.00 | 21.24 | (5.87) | 1.86 | (14.04) | (7.69) | n/m | ||||||
| Book value | — | — | — | — | — | 0.00 | 64.64 | 193.77 | (53.19) | 33.84 | 10.57 | n/m | ||||||
| Shares, m | — | — | — | — | — | 0 | 0 | 0 | 0 | 0 | 0 | n/m | ||||||
| Valuation, × | ||||||||||||||||||
| Valuation, × | P/E | — | — | — | — | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.0 | |||||
| P/S | — | — | — | — | — | 0.00 | 2.94 | 3.30 | 1.64 | 0.40 | 0.00 | 1.7 | ||||||
| P/B | — | — | — | — | — | 87.65 | 5.46 | 1.68 | 0.00 | 0.38 | 0.00 | 19.0 | ||||||
| EV/Sales | — | — | — | — | — | 0.00 | 34.56 | 39.91 | 20.20 | 5.36 | — | 20.0 | ||||||
| EV/FCF | — | — | — | — | — | 2,618.03 | 194.97 | (673.64) | 1,386.30 | (11.34) | — | 702.9 | ||||||
| Cash, $m | ||||||||||||||||||
| Cash, $m | Operating cash flow | — | — | — | — | — | 3 | 2 | (1) | 0 | (3) | (4) | n/m | |||||
| Capex | — | — | — | — | — | 0 | 0 | 0 | — | — | 0 | +494.3% | ||||||
| Free cash flow | — | — | — | — | — | 3 | 2 | (1) | 0 | (3) | (4) | n/m | ||||||
| Balance, $m | ||||||||||||||||||
| Balance, $m | Working capital | — | — | — | — | — | 6 | (39) | 0 | (1) | 6 | 5 | (1.0%) | |||||
| Net debt | — | — | — | — | — | (5) | (8) | 6 | 8 | (7) | (6) | +5.4% | ||||||
| Shareholders’ equity | — | — | — | — | — | 7 | 5 | 34 | (12) | 8 | 6 | +2.9% | ||||||
| Returns, % | ||||||||||||||||||
| Returns, % | ROA | — | — | — | — | — | 43.71 | (65.68) | (20.66) | (119.19) | (15.79) | (49.79) | (59.5) pt | |||||
| ROIC | — | — | — | — | — | 111.45 | 0.00 | (32.02) | 0.00 | (231.62) | (879.51) | (343.1) pt | ||||||
| ROE | — | — | — | — | — | 44.79 | (564.21) | (87.56) | (437.93) | 118.58 | 85.14 | +73.8 pt | ||||||
| People | ||||||||||||||||||
| People | Employees | — | — | — | — | — | — | 65 | 45 | 42 | 40 | — | (14.9%) | |||||
| Revenue/emp, $m | — | — | — | — | — | 0.00 | 0.15 | 0.39 | 0.36 | 0.19 | — | n/m | ||||||
Negative figures in brackets.
estimates
Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 2 Nov 2026
SHF Holdings, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier
| Company | Market cap | P/E | Fwd P/E | Revenue growth (Q) | EPS growth (Q) | FCF growth (Q) | Gross margin (Q) | EBIT margin (Q) | Compare |
|---|---|---|---|---|---|---|---|---|---|
| HFBL Home Federal Bancorp, Inc. of Louisiana | $69.3M | 11.3× | — | +10.29% (above 0%: growing) | +23.08% (above 0%: growing) | +210.53% (above 0%: growing) | 70.94% | 0.00% | Compare |
| CULL Cullman Bancorp, Inc. | $65.2M | 32.5× | 19.5× | +8.86% (above 0%: growing) | −26.67% (below 0%: shrinking) | −90.89% (below 0%: shrinking) | 71.49% | 0.00% | Compare |
| BCOW 1895 Bancorp of Wisconsin Inc. | $57.9M | 66.4× | — (loss-making) | +1.53% (above 0%: growing) | n/m | +993.81% (above 0%: growing) | 64.21% | 0.00% | Compare |
| TCBS Texas Community Bancshares, Inc. | $49.9M | 13.6× | 26.5× | +8.29% (above 0%: growing) | +54.17% (above 0%: growing) | −4.04% (below 0%: shrinking) | 67.29% | 0.00% | Compare |
| MBBC Marathon Bancorp, Inc. | $43.4M | 21.3× | — | +17.92% (above 0%: growing) | n/m | +110.20% (above 0%: growing) | 70.72% | 0.00% | Compare |
| KFFB Kentucky First Federal Bancorp | $43.2M | 24.1× | — | +7.22% (above 0%: growing) | +300.00% (above 0%: growing) | +650.00% (above 0%: growing) | 59.33% | 0.00% | Compare |
| GLBZ Glen Burnie Bancorp | $12.3M | — (loss-making) | — | +20.16% (above 0%: growing) | n/m | +156.64% (above 0%: growing) | 72.37% | 0.00% | Compare |
| CARV Carver Bancorp, Inc. | $6.3M | — (loss-making) | — (loss-making) | −7.35% (below 0%: shrinking) | n/m | −29.05% (below 0%: shrinking) | 70.53% | 0.00% | Compare |
| SHFS SHF Holdings, Inc. | $1.6M | — (loss-making) | — | +4.84% (above 0%: growing) | n/m | −160.21% (below 0%: shrinking) | 100.00% | (53.05%) | |
| Median of peers | $46.6M | 22.7× | — | +8.57% | +38.63% | +133.42% | 70.63% | 0.00% |
Pay and ownership Proxy statement filed 8 May 2026
Ownership
Directors and executive officers, together
5.80% of the votes
Partner Colorado Credit Union
21.00% of the votes
M3 FUNDS, LLC
6.00% of the votes
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more.
Read the proxy statement
SHF Holdings, Inc. (SHFS) Latest News
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