SHF Holdings Inc

SHF Holdings Inc

SHFS · NASDAQ · Financial Services / Banks - Regional

0.0303USD+0.01 (+34.67%)

Price History

Full chart

Market Stats

Previous Close0.0225
Open0.0284
Day Range0.0243 – 0.0361
52-Week Range0.1022 – 7.58
Volume921.88M
Market Cap1.35M
P/E (TTM)0.00
Forward P/E0.00
EPS-0.96
Dividend Yield0.00%
Beta0.79
50-Day Avg0.173
200-Day Avg0.6359

About

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts; cash management accounts; savings and investment options; commercial lending; courier and vaulting services; remote deposit services; automated clearing house payments and origination; and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services for enhanced financial insight into business and access to resources. SHF Holdings, Inc. was founded in 2015 and is headquartered in Golden, Colorado.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Terrance Elliot Mendez
  • Employees39
  • Headquarters1526 Cole Boulevard, Golden, CO, United States, 80401, USA
  • Websitehttps://shfinancial.org

Leadership

  • Mr. Terrance Elliot MendezCEO, CFO & Director · b. 1975
  • Ms. Sundie L. SeefriedFounder · b. 1962
  • Mr. Michael John ReganCOO & Secretary · b. 1978
  • Mr. Jeffrey R. KayChief Marketing Officer · b. 1968
  • Ms. Margaret WilliamsVP of BSA & Compliance
  • Mr. Stephen La RosaSenior Vice President of Lending Strategy & Partner Development
  • Mr. John FoleySenior Vice President of Commercial Lending
  • Mr. David Smokler CISA, CISMManaging Director
  • Ms. Kimberly SeefriedChief of Staff of Transformation
  • Mr. Frank A. Salluce CISA, CRISCManaging Director

Financials

Income Statement

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.04M7.01M-32.00M20.28M18.41M7.67M
Growth (%)--12.85%-556.77%+163.37%-9.23%-58.31%
Cost of Revenue15.85K1.40K1.21M1.39M-859.74K3.33M
Gross Profit8.02M7.00M-33.21M18.89M19.27M4.35M
Gross Margin99.80%99.98%103.79%93.17%104.67%56.63%
Operating Expense2.91M3.72M11.17M38.00M23.73M9.74M
Operating Income5.12M3.29M-44.38M-19.11M-4.46M-5.40M
Operating Margin63.64%46.92%138.69%-94.23%-24.23%-70.36%
EBITDA5.12M3.29M-44.19M-17.74M-3.75M-5.40M
EBITDA Margin63.71%46.95%138.10%-87.46%-20.36%-70.36%
Net Income5.12M3.29M-35.13M-17.28M-48.32M-2.16M
Net Income Margin63.64%46.92%109.78%-85.21%-262.50%-28.16%
R&D127.31K-120.63K960.62K--
R&D as % of Total Revenue1.58%--0.38%4.74%--
Interest Expense2.51K0705.20K1.09M533.39K492.64K
Interest Expense % of Total Revenue0.03%0.00%-2.20%5.40%2.90%6.42%

Balance Sheet

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets4.57M7.52M99.45M67.86M13.22M17.21M
Total Liabilities220.95K181.50K94.34M33.51M25.51M8.97M
Total Equity4.35M7.34M5.11M34.36M-12.29M8.24M
Cash3.00M5.50M8.39M4.91M2.34M6.78M
Total Debt--58.59M15.02M11.88M710.51K
Net Debt-3.00M-5.50M50.20M10.11M9.53M-6.07M

Cash Flow

Currency: USD2020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.95M2.95M1.70M-832.14K430.48K-3.42M
Investing Cash Flow5.83K1.04M-2.90M-2.18M12.39K442.19K
Financing Cash Flow-3.57M-1.49M4.09M-488.83K-3.01M7.43M
Capital Expenditure9815.92K17.32K208.43K30
Free Cash Flow4.95M2.94M1.68M-1.04M430.48K-3.42M
Dividends Paid3.38M1.49M----
FCF to OCF99.98%99.80%98.98%125.05%100.00%100.00%
Dividend Paid to FCF68.32%50.59%----

Earnings

Report DateJul 30, 2021Nov 15, 2021Mar 25, 2022May 16, 2022Aug 22, 2022Nov 14, 2022Dec 31, 2022Apr 14, 2023Aug 14, 2023Nov 13, 2023May 13, 2024Aug 14, 2024Nov 13, 2024Apr 10, 2025Aug 14, 2025Nov 14, 2025May 19, 2026Aug 7, 2026Nov 11, 2026
EPS Estimate0.00-----1.001.00-----------
EPS Actual-0.120.24-0.040.05-0.120.05-38.80-38.80-0.40-0.020.050.020.13-18.58-0.330.06-0.43-0.36-
Surprise-------3980.00%-3980.00%-----------
Timing--After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hours---

Key Statistics & Ratios

Market Cap1.35M
Enterprise Value-3.75M
Trailing P/E0.00
Forward P/E0.00
Price / Sales0.16
Price / Book0.33
EPS-0.96
Book Value0.495
Revenue (TTM)8.42M
Gross Profit (TTM)8.42M
EBITDA2.52M
Profit Margin-43.92%
Operating Margin-44.37%
Return on Equity-229.75%
Return on Assets-36.76%
Shares Outstanding12.33M
Shares Float11.12M
Beta0.79
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Ownership Breakdown

Institutions
8.17%
Insiders
9.50%
Retail / Other
82.33%

Top Institutional Holders

  • M3F, Inc.
    308.00K2.50%
  • Blue Owl Capital Holdings LP
    75.90K0.62%
  • Geode Capital Management, LLC
    40.44K0.33%
  • Citadel Advisors Llc
    36.18K0.29%
  • Checchi Capital Advisers, LLC
    31.74K0.26%
  • TWO SIGMA SECURITIES, LLC
    26.83K0.22%
  • Vanguard Fiduciary Trust Co
    12.89K0.10%
  • SJS Investment Consulting Inc.
    11.31K0.09%
  • Vanguard Capital Management, LLC
    7.59K0.06%
  • TD Waterhouse Canada Inc
    5.00K0.04%
  • Mercer Global Advisors Inc.
    1.25K0.01%
  • Tower Research Capital LLC
    1.00K0.01%
  • Ameritas Advisory Services, LLC
    1.00K0.01%
  • Bank of America Corp
    00.00%
  • HRT FINANCIAL LLC
    00.00%
  • Jane Street Group LLC
    00.00%
  • UBS Group AG
    00.00%
  • Morgan Stanley - Brokerage Accounts
    00.00%

Top Fund Holders

  • Fidelity Extended Market Index
    36.84K0.30%
  • Fidelity Total Market Index
    6450.01%

Stock Splits

  • Mar 24, 20251:20