SHF Holdings (SHFS)
Nasdaq Market Closed
SHF Holdings, Inc. is a financial services company focused on the regulated cannabis industry in the United States. Operating through the Safe Harbor Financial brand, the company provides banking-related services, compliance support, and lending solutions for cannabis, hemp, CBD, and ancillary businesses that often face limited access to traditional financial institutions.
The company’s market exists because cannabis remains legal in many US states while still facing restrictions at the federal level. That disconnect makes banking cannabis-related businesses complex for banks and credit unions, which must manage detailed regulatory, reporting, and anti-money-laundering requirements. SHF Holdings helps financial institutions serve these clients by offering compliance processes, technology, monitoring tools, and operational expertise designed for state-legal cannabis commerce.
Its services include deposit account facilitation, regulatory compliance consulting, loan origination support, and lending programs for qualified operators. By enabling access to business banking and commercial finance, the company aims to reduce the reliance on cash in the cannabis sector, improve transparency, and support safer day-to-day operations for operators and their communities.
SHF Holdings generates revenue from several sources, including fee income tied to deposit and compliance services, income from loan programs, and investment-related income. Its prospects are linked to the growth of state-legal cannabis markets, the willingness of financial institutions to work with the sector, credit conditions, and any changes in US cannabis banking legislation. SHFS offers investors a niche exposure to cannabis infrastructure rather than direct cultivation, retail, or consumer product sales.
Last updated
- Market Cap
- 2.84M
- P/E
- —
- P/FCF
- —
- P/S
- 0.37
- Enterprise Value
- -3.06M
- Sector
- —
- Industry
- —
- Address
- 1526 COLE BLVD., GOLDEN, CO, 80401
Safe Harbor Financial Launches Industry’s First Fully Managed Cannabis Banking Program for Financial Institutions
Safe Harbor Financial Originates $1.07 Million Secured Credit Facility for Missouri Cannabis Operator
Safe Harbor Financial to Report First Quarter 2024 Financial Results on Monday, May 13, 2024
Safe Harbor Financial Issues Statement on Cannabis Rescheduling
Safe Harbor Financial Announces Appointment of CEO, Sundie Seefried to Board of Directors
Safe Harbor Financial Announces Fourth Quarter and Year-End 2023 Results
Safe Harbor Financial to Report Full Year 2023 Financial Results on Monday, April 1, 2024
Safe Harbor Financial Originates $4.6 Million Secured Credit Facility for Michigan Cannabis Operator
Safe Harbor Originates $3 Million First Lien Secured Loan for Multi-tenant Cannabis Industrial Building in California
Safe Harbor Financial Announces Third Quarter and Nine Month 2023 Results
Safe Harbor Financial Restructures Certain Deferred Consideration Obligations in Connection With 2022 Acquisition of Abaca
Safe Harbor Financial Announces Participation in the Maxim Group Virtual Tech Conference Series: Exploring All Corners of the Tech Sector
Safe Harbor Financial Launches New Line of Credit Products for Cannabis Businesses
Safe Harbor Financial Originates $3 Million First Lien Secured Loan for a Leading THC-infused Beverage Company
Safe Harbor Financial Hits Key Milestone by Helping to Process Over $20 Billion in Cannabis Related Funds
SHF Holdings, Inc. CEO Sundie Seefried Receives The Green Market Report Cannabis Finance Award for Top CEO
Safe Harbor Financial Launches Interest-Bearing Commercial Accounts
Safe Harbor Financial Expands Lending and Deposit Relationship with Tier-One Multi-State Operator
Safe Harbor Financial Originates $6.7 Million First-Lien Secured Loan for Global Real Estate Investment Firm
Safe Harbor Financial’s Social Equity Program Proudly Welcomes New Accounts
- Market Cap
Market cap is the total value of a company's shares, calculated by multiplying the stock price by the number of shares outstanding.
- 2.84M
- Enterprise Value
Enterprise value is the total value of a company, including its market cap, debt, and cash.
- -3.06M
- P/E
P/E ratio compares a company's share price to its earnings per share.
- —
- P/B
P/B ratio compares a company's share price to its book value per share.
- 0.42
- P/S
P/S ratio compares a company's share price to its revenue per share.
- 0.37
- EV / EBITDA
EV/EBITDA measures a company's value compared to its earnings before interest, taxes, depreciation, and amortization.
- 0.63
- EV / Sales
EV/Sales measures a company's value compared to its total revenue.
- -0.4
- EPS
- -0.53
- Dividend Yield
Dividend yield shows how much a company pays in dividends each year compared to its share price.
- 0%
- P/FCF
Price-to-free-cash-flow ratio compares a company's share price to the cash it generates after expenses and investments.
- —
- P/CF
P/CF ratio compares a company's share price to the cash flow it generates from its operations.
- —
- Free Cash Flow
Free cash flow is the cash a company has left after covering operating costs and capital expenses.
- —
- ROE
ROE measures how effectively a company uses shareholders' equity to generate profit.
- -51.18%
- ROA
ROA measures how effectively a company uses its assets to generate profit.
- -21.94%
- Debt / Equity
Debt-to-equity ratio compares a company's total debt to its shareholders' equity.
- 0
- Current Ratio
Current ratio measures a company's ability to pay short-term debts using its short-term assets.
- 1.81
- Quick Ratio
Quick ratio measures a company's ability to pay short-term debts using cash and other easily available assets.
- 1.81
- Cash
Cash ratio measures a company's ability to cover short-term debts using only cash and cash equivalents.
- 0.86
- Avg Volume
Average volume shows the average number of shares traded over the last 30 trading days, helping indicate liquidity.
- 363.49K
- Fundamentals Snapshot Price
Fundamentals snapshot price is the stock price used when calculating the company's financial ratios and metrics.
- 0.44
Income Statement
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Revenue | 1.98M | 2.06M | 1.83M | 1.85M | 1.93M |
| Gross profit | 1.98M | 2.06M | 1.83M | 1.85M | 1.93M |
| Operating income | -1.76M | -1.22M | -1.22M | -971.04K | -1.99M |
| EBITDA | -1.63M | -1.03M | -1.22M | -969.97K | -1.99M |
| Net income | -1.87M | -824.03K | 179.51K | -930.72K | -827.2K |
| Basic EPS | -0.43 | -0.26 | 0.06 | -0.33 | -0.3 |
| Diluted EPS | -0.43 | -0.26 | 0.06 | -0.33 | -0.3 |
Balance Sheet
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Total assets | 15.69M | 17.21M | 13.66M | 5.96M | 6.66M |
| Total liabilities | 8.96M | 8.97M | 6.67M | 23.81M | 23.6M |
| Total equity | 6.73M | 8.24M | 7M | -17.86M | -16.95M |
| Cash & equivalents | 5.9M | 6.78M | 861.72K | 247.32K | 931.4K |
| Current assets | 12.38M | 12.2M | 11.1M | 4.96M | 5.22M |
| Current liabilities | 6.85M | 6.5M | 5.33M | 12.34M | 11.94M |
Cash Flow
| Line Item | 2026 Q1 | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating cash flow | -1.08M | -1.06M | -538.04K | -674.61K | -1.14M |
| Investing cash flow | 25.02K | 50K | 385.64K | 3.3K | 3.25K |
| Financing cash flow | 172.07K | 6.93M | 766.8K | -12.77K | -255.77K |
| Change in cash | -881.57K | 5.92M | 614.4K | -684.08K | -1.39M |
| Kind | Filing | Date | Link |
|---|---|---|---|
| edgar index | DEFA14A — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-Q — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | DEFA14A — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | DEF 14A — SHF Holdings, Inc. | View Filing | |
| edgar index | DEFA14A — SHF Holdings, Inc. | View Filing | |
| edgar index | ARS — SHF Holdings, Inc. | View Filing | |
| edgar index | 3 — SHF Holdings, Inc. | View Filing | |
| edgar index | 3 — SHF Holdings, Inc. | View Filing | |
| edgar index | 3 — SHF Holdings, Inc. | View Filing | |
| edgar index | 4 — SHF Holdings, Inc. | View Filing | |
| edgar index | 4 — SHF Holdings, Inc. | View Filing | |
| edgar index | 4 — SHF Holdings, Inc. | View Filing | |
| edgar index | 4 — SHF Holdings, Inc. | View Filing | |
| edgar index | 4 — SHF Holdings, Inc. | View Filing | |
| form 3 | Form 3 — Kay Jeffrey R. | View Filing | |
| form 3 | Form 3 — Kay Jeffrey R. | View Filing | |
| form 3 | Form 3 — Regan Michael | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | S-1 — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 10-K — SHF Holdings, Inc. | View Filing | |
| ten k section | 10-K — business | View Filing | |
| ten k section | 10-K — mda | View Filing | |
| ten k section | 10-K — risk_factors | View Filing | |
| edgar index | NT 10-K — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| form 4 | Form 4 — Carleton Richard | View Filing | |
| form 4 | Form 4 — Regan Michael | View Filing | |
| form 4 | Form 4 — Mendez Terrance Elliot | View Filing | |
| form 4 | Form 4 — Kay Jeffrey R. | View Filing | |
| edgar index | SCHEDULE 13G — SHF Holdings, Inc. | View Filing | |
| form 4 | Form 4 — Carleton Richard | View Filing | |
| form 4 | Form 4 — Regan Michael | View Filing | |
| form 4 | Form 4 — Mendez Terrance Elliot | View Filing | |
| form 4 | Form 4 — Kay Jeffrey R. | View Filing | |
| edgar index | SCHEDULE 13G/A — SHF Holdings, Inc. | View Filing | |
| edgar index | 10-Q — SHF Holdings, Inc. | View Filing | |
| edgar index | 424B7 — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| eight k text | 8-K — 8-K | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | 424B7 — SHF Holdings, Inc. | View Filing | |
| edgar index | S-8 — SHF Holdings, Inc. | View Filing | |
| edgar index | DEF 14A — SHF Holdings, Inc. | View Filing | |
| edgar index | S-1 — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | S-1/A — SHF Holdings, Inc. | View Filing | |
| edgar index | CORRESP — SHF Holdings, Inc. | View Filing | |
| edgar index | PRE 14A — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | UPLOAD — SHF Holdings, Inc. | View Filing | |
| edgar index | 8-K — SHF Holdings, Inc. | View Filing | |
| edgar index | CORRESP — SHF Holdings, Inc. | View Filing | |
| form 4 | Form 4 — BECK DOUGLAS | View Filing | |
| form 4 | Form 4 — Carleton Richard | View Filing | |
| form 4 | Form 4 — Carleton Richard | View Filing | |
| form 4 | Form 4 — Regan Michael | View Filing | |
| form 4 | Form 4 — Regan Michael | View Filing | |
| form 4 | Form 4 — Regan Michael | View Filing | |
| form 4 | Form 4 — Mendez Terrance Elliot | View Filing |