SHFS · SHF Holdings, Inc. Class A
SHF Holdings Inc (SHFS)
What's happening
- SHFS is up 71.15% today, trading at $0.15. — Live quote
- It's trading within 3% of its 52-week low ($0.07). (Finnhub fundamentals)
- Volume today (868,735) is well below its 3-month average of 3,626,230. (Finnhub fundamentals)
- Reports earnings on 2026-11-10, 19 days away. (Finnhub earnings calendar)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2023-10-01 (7 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $2.7M | $9.4M | $57.4M | $16.9M | $31.5M |
| P/E | -0.67 | -2.81 | -46.91 | -36.58 | 12.53 |
| Price/Sales | 0.36 | 1.24 | 6.32 | 1.50 | 2.34 |
| Price/Book | 0.44 | 1.40 | 8.21 | -0.95 | -1.86 |
| EV/Revenue | -0.40 | 0.47 | 6.22 | 1.48 | 2.27 |
| EV/EBITDA | — | — | -14.74 | — | — |
| ROE | -66.28% | -49.93% | -17.50% | 2.59% | -14.85% |
| ROA | -28.57% | -21.40% | -8.96% | -7.77% | 37.83% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 4.8% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 8-K, filed 2026-10-20; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Net profit margin is -47.3%. Finnhub fundamentals ↗
- Trailing 52-week price return is -99.8%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on SHFS
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.9M | $2.0M | $1.8M | $1.8M | $1.9M | $3.5M | $4.0M | $4.1M |
| Operating income | -$1.0M | -$1.8M | -$1.2M | -$971.0K | -$2.0M | $176.9K | $300.2K | $324.9K |
| Net income | -$1.5M | -$1.8M | $179.5K | -$930.7K | -$827.2K | $353.8K | $941.5K | $2.0M |
| EPS (diluted) | $-0.36 | $-0.43 | $0.06 | $-0.33 | $-0.30 | $0.13 | $0.33 | $0.73 |
| EPS (basic) | $-0.36 | $-0.43 | $0.06 | $-0.33 | $-0.30 | $0.13 | $0.34 | $0.74 |
| Operating margin | -$53 | -$89 | -$66 | -$53 | -$103 | $5 | $7 | $8 |
| Net margin | -$78 | -$90 | $10 | -$50 | -$43 | $10 | $23 | $51 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $14.2M | $15.7M | $17.2M | $13.7M | $6.0M | $6.7M | $13.2M | $66.9M |
| Total liabilities | $8.1M | $9.0M | $9.0M | $6.7M | $23.8M | $23.6M | $25.5M | $27.5M |
| Stockholders' equity | $6.1M | $6.7M | $8.2M | $7.0M | -$17.9M | -$16.9M | -$12.3M | $39.4M |
| Total current assets | $10.9M | $12.4M | $12.2M | $11.1M | $5.0M | $5.2M | $11.7M | $12.2M |
| Total current liabilities | $6.2M | $6.9M | $6.5M | $5.3M | $12.3M | $11.9M | $12.7M | $14.7M |
| Cash & equivalents | $5.7M | $5.9M | $6.8M | $861.7K | $247.3K | $931.4K | $2.3M | $5.9M |
| Marketable securities (current) | — | $1.4M | — | — | — | — | — | — |
| Accounts receivable | — | $800.0K | $1.0M | — | — | — | $1.0M | — |
| Other current assets | $3.5M | $3.0M | $3.0M | $3.2M | $3.3M | $3.0M | $3.0M | — |
| Marketable securities (non-current) | — | — | $1.4M | $1.5M | — | — | — | — |
| Property, plant & equipment | — | — | — | — | — | $1.7K | $3.2K | $5.2K |
| Goodwill | — | — | — | — | — | — | — | $6.1M |
| Intangible assets | — | — | — | — | — | — | $8.8M | — |
| Other non-current assets | $189.2K | $15.8K | $15.5K | $15.3K | $20.7K | — | $22.7K | — |
| Accounts payable | — | — | — | — | — | — | — | — |
| Accrued liabilities | $824.2K | $1.1M | $1.3M | $881.7K | $820.6K | $765.5K | $1.3M | $788.1K |
| Deferred revenue (current) | — | $15.5K | $15.4K | — | — | — | $28.3K | — |
| Other current liabilities | $562.4K | $417.4K | $485.1K | $38.5K | $14.5K | $89.9K | $72.8K | $64.7K |
| Long-term debt | — | — | — | — | — | — | — | $54.8M |
| Common stock & paid-in capital | $1.2K | $451 | $428 | $291 | $282 | $278 | $278 | $5.6K |
| Retained earnings | -$126.2M | -$124.7M | -$122.9M | -$122.3M | -$122.5M | -$121.1M | -$120.8M | -$69.1M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | -$1.8M | -$1.1M | -$1.1M | -$538.0K | -$674.6K | -$1.1M | -$2.8M | $502.4K |
| Investing cash flow | $629.9K | $25.0K | $50.0K | $385.6K | $3.3K | $3.2K | $4.2K | $2.1K |
| Financing cash flow | $957.7K | $172.1K | $6.9M | $766.8K | -$12.8K | -$255.8K | -$764.5K | -$755.0K |
| Capital expenditures | — | — | — | — | — | — | — | — |
| Depreciation & amortization | — | — | $0 | $637 | $1.1K | $1.4K | $160.6K | $160.9K |
| Share-based compensation | $41.5K | $58.9K | $143.6K | $596.1K | $33.7K | $750.0K | $73.8K | $387.7K |
| Deferred income taxes | — | — | — | — | — | — | $43.8M | -$9.4K |
| Change in accounts receivable | -$9.3K | -$1.1K | -$14.9K | -$4.7K | -$39.9K | -$43.8K | -$103.1K | $1.2M |
| Change in accounts payable | — | — | — | — | — | — | — | — |
| Purchases of investments | — | — | — | — | — | — | — | — |
| Other investing activities | — | — | — | — | — | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $7.7M | $15.2M | $17.6M | $9.5M | $7.0M |
| Operating income | -$5.4M | -$7.1M | -$20.7M | -$2.2M | $3.3M |
| Net income | -$2.2M | -$48.3M | -$17.3M | -$35.1M | $3.3M |
| EPS (diluted) | $-0.82 | $-17.43 | $-8.12 | $-1.85 | — |
| EPS (basic) | $-0.82 | $-17.43 | $-8.12 | $-1.85 | — |
| Operating margin | -$70 | -$47 | -$118 | -$23 | $47 |
| Net margin | -$28 | -$317 | -$98 | -$371 | $47 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $17.2M | $13.2M | $67.9M | $99.5M | $7.5M |
| Total liabilities | $9.0M | $25.5M | $33.5M | $94.3M | $181.5K |
| Stockholders' equity | $8.2M | -$12.3M | $34.4M | $5.1M | $7.3M |
| Total current assets | $12.2M | $11.7M | $7.8M | $10.2M | $6.1M |
| Total current liabilities | $6.5M | $12.7M | $7.9M | $49.6M | $181.5K |
| Cash & equivalents | $6.8M | $2.3M | $4.9M | $8.4M | $5.5M |
| Accounts receivable | $1.0M | $1.0M | — | $1.4M | $522.9K |
| Other current assets | $3.0M | $3.0M | $82.7K | $150.8K | — |
| Marketable securities (non-current) | $1.4M | — | — | — | — |
| Property, plant & equipment | — | $3.2K | $84.2K | $49.6K | $6.4K |
| Goodwill | — | — | $6.1M | $19.3M | — |
| Intangible assets | — | $8.8M | $5.7M | — | — |
| Other non-current assets | $15.5K | $22.7K | — | — | — |
| Accounts payable | — | — | — | $2.9M | $43.6K |
| Accrued liabilities | $1.3M | $1.3M | $1.0M | $1.5M | $129.5K |
| Deferred revenue (current) | $15.4K | $28.3K | — | — | — |
| Other current liabilities | $485.1K | $72.8K | $41.6K | $11.3K | — |
| Long-term debt | — | — | $55.6M | $18.9M | — |
| Common stock & paid-in capital | $428 | $278 | $273 | $2.4K | — |
| Retained earnings | -$122.9M | -$120.8M | -$71.6M | -$39.7M | -$6.8M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | -$3.4M | $430.5K | -$832.1K | $1.7M | $2.9M |
| Investing cash flow | $442.2K | $12.4K | -$2.2M | -$2.9M | $1.0M |
| Financing cash flow | $7.4M | -$3.0M | -$488.8K | $4.1M | -$1.5M |
| Free cash flow | — | — | -$1.0M | $1.7M | $2.9M |
| Capital expenditures | — | — | $208.4K | $17.3K | $5.9K |
| Depreciation & amortization | $3.2K | $711.9K | $1.4M | $189.3K | $1.9K |
| Share-based compensation | $1.5M | $1.6M | $3.7M | $2.8M | — |
| Deferred income taxes | — | $43.9M | -$1.8M | -$9.2M | — |
| Change in accounts receivable | -$103.2K | $12.7K | -$81.2K | -$24.8K | $293.4K |
| Change in accounts payable | — | — | — | $508.5K | -$64.9K |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding SHFS as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2023-01-10 to 2025-05-06
Recent transactions
- Most recent: Emmi Donald (Chief Legal Officer) — Tax withholding of 318 shares on 2025-05-06.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Emmi Donald | Chief Legal Officer | Tax withholding | 2025-05-06 | 318 |
| Seefried Sundie | Chief Executive Officer | Open market purchase | 2023-12-14 | 24,700 |
| Fagan Doug | Director | Open market purchase | 2023-12-14 | 15,000 |
| Roda Dan | EVP & Chief Operating Officer | Open market purchase | 2023-12-11 | 1,000 |
| Niehaus Jonathon | Director | Open market purchase | 2023-12-11 | 10,000 |
| Summers Jonathan | Director | Open market purchase | 2023-12-11 | 3,000 |
| Darwin John | Director | Other acquisition/disposition | 2023-12-07 | 2,000 |
| Racine Karl | Director | Grant / award | 2023-01-10 | 80,128 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2025-05-06 | Emmi Donald | Chief Legal Officer | Tax withholding | 318 | $28.40 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-21 22:59 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-20 | 8-K | 2026-10-20 | View on SEC.gov → |
| 2026-10-06 | 8-K | 2026-10-06 | View on SEC.gov → |
| 2026-10-01 | 8-K | 2026-09-29 | View on SEC.gov → |
| 2026-09-28 | 8-K | 2026-09-28 | View on SEC.gov → |
| 2026-08-19 | 8-K | 2026-08-14 | View on SEC.gov → |
| 2026-08-10 | 8-K | 2026-08-10 | View on SEC.gov → |
| 2026-08-07 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-05 | 8-K | 2026-07-31 | View on SEC.gov → |
| 2026-08-04 | 8-K | 2026-07-29 | View on SEC.gov → |
| 2026-07-16 | 8-K | 2026-07-15 | View on SEC.gov → |
| 2026-07-13 | 8-K | 2026-07-07 | View on SEC.gov → |
| 2026-06-24 | 8-K | 2026-06-17 | View on SEC.gov → |
Recent news
Headlines about SHFS (SHF Holdings, Inc. Class A). Links open the publisher — we don’t host full articles.
-
Unusual Volume Stocks: PRSO, SHFS, AHT Lead Today's Session
ChartMill · 2026-10-21 -
Why Is Penny Stock SHF Holdings (SHFS) Up 73% Today?
TipRanks · 2026-10-21 -
Dow Gains Over 100 Points; AT&T Earnings Top Views
Benzinga · 2026-10-21 -
SHF Holdings Shares Jump 51.28% After Hours - SHF Hldgs (NASDAQ:SHFS)
Benzinga · 2026-10-21 -
Why Super Micro Computer Shares Are Trading Higher By 13%; Here Are 20 Stocks Moving Premarket
Benzinga · 2026-10-21 -
SHF Holdings (SHFS) Stock Soars Over 51% After Hours: What’s Going On?
Benzinga · 2026-10-21 -
SHF Holdings gets additional compliance period to regain minimum bid price
Seeking Alpha · 2026-10-20 -
After-Hours Movers: Postmarket Gainers and Losers
ChartMill · 2026-10-20
No headlines in this category right now — try “All”.