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Company Analysis

SHF Holdings, Inc. SHFSW

A comprehensive view of key metrics, scores, and financial health for SHF Holdings, Inc.

Overview of SHF Holdings, Inc.

SHFSW NCM
Financial Services Banks - Regional Framework: Banks & Lenders
SHF Holdings, Inc. (SHFSW), in the Banks - Regional industry, last closed at $0.01, about 0.0% overvalued vs fair value, placing in the top 10% of its sector.
Metrics Rev Growth -32.4% ROE 106.7%
USD 0.01
-3.60%
(Delayed)
• Vol 90d: 228.5%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Excellent
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Fair
Valuation
Excellent
Completeness: 76%
Confidence: 81%
Updated: Oct 31
Top Beats

Quick Facts

Website https://shfinancial.org
HQ Golden, CO
Employees 41
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$2.5M
-62.6%%
Interest Expense
$492.6K
Net Interest Income
$2.0M
-67.4%%
Total Revenue
$11.8M
-32.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-29.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating SHF Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
18
/100
Weak
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 1.00).

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.04).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.04).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
3
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 57% Coverage
Trade-Off Triangle Visualization A ternary plot showing SHFSW's balance between Growth (22.8%), Profitability (24.5%), and Safety (52.7%). Growth 23% Safety 53% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

36th percentile vs peers
36
Key Signals
Asset Growth YoY 30.2% 91p NII Growth YoY -67.4% 1p Equity Growth YoY -1.36 0p
Strengths
  • Asset Growth YoY in top 20% of peers (30.2%, 91th percentile)
  • Net Interest Margin in top 20% of peers (11.5%, 97th percentile)
  • Equity/Assets in top 20% of peers (47.9%, 97th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-67.4%)
  • Equity Growth YoY in bottom 20% of peers (-1.36)
  • Growth below peer median (percentile: 36)

Profitability

38th percentile vs peers
39
Key Signals
Strengths
Risks
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Safety

83th percentile vs peers
83
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for SHF Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
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- upside
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Base
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- upside
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Bull
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- upside
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Fair Value Range Current: $-
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