SHF Holdings, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Citizens Holding Co. (Mississippi)

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First US Bancshares, Inc.

United Bancorp, Inc. (Ohio)

Pathfinder Bancorp, Inc.

Auburn National Bancorporation, Inc.

SHF Holdings, Inc.

BayFirst Financial Corp.

Apptech Payments Corp.

Why is SHF Holdings, Inc. ?

With a Negative Book Value, the company has a Weak Long Term Fundamental Strength

Low ability to service debt as the company has a high Debt to EBITDA ratio of -1.00 times
The company has been able to generate a Return on Equity (avg) of 4.27% signifying low profitability per unit of shareholders funds

With a fall in PBT of -42.64%, the company declared Very Negative results in Jun 25

The company has declared negative results for the last 3 consecutive quarters
NET PROFIT(HY) At USD -3.13 MM has Grown at -549.91%
PRE-TAX PROFIT(Q) At USD -1.09 MM has Fallen at -478.6%
OPERATING CASH FLOW(Y) Lowest at USD -4.09 MM

Risky - Negative Book Value

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -83.97%, its profits have fallen by -3318.3%

Below par performance in long term as well as near term

Along with generating -83.97% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is SHF Holdings, Inc. for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

SHF Holdings, Inc.

-80.65%

0.06

1686.28%

S&P 500

12.66%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

64.18%

EBIT Growth (5y)

-201.92%

EBIT to Interest (avg)

-0.20

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

100.00%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

26.23%

ROCE (avg)

0.15%

ROE (avg)

4.27%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

-0.41

EV to EBIT

16.86

EV to EBITDA

16.86

EV to Capital Employed

-2.42

EV to Sales

1.28

PEG Ratio

Dividend Yield

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

Negative BV

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bullish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

NET PROFIT(Q)

At USD -1.03 MM has Grown at 90.78%

RAW MATERIAL COST(Y)

Fallen by -5.05% (YoY

-27What is not working for the Company

NET PROFIT(HY)

At USD -3.13 MM has Grown at -549.91%

PRE-TAX PROFIT(Q)

At USD -1.09 MM has Fallen at -478.6%

OPERATING CASH FLOW(Y)

Lowest at USD -4.09 MM

ROCE(HY)

Lowest at -515.18%

NET SALES(Q)

Lowest at USD 1.85 MM

Here's what is working for SHF Holdings, Inc.

Net Profit

At USD -1.03 MM has Grown at 90.78%

over average net sales of the previous four periods of USD -11.15 MM

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Raw Material Cost

Fallen by -5.05% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for SHF Holdings, Inc.

Net Sales

At USD 1.85 MM has Fallen at -43.76%

over average net sales of the previous four periods of USD 3.28 MM

MOJO Watch

Near term sales trend is extremely negative

Net Sales (USD MM)

Pre-Tax Profit

At USD -1.09 MM has Fallen at -478.6%

over average net sales of the previous four periods of USD -0.19 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (USD MM)

Operating Cash Flow

Lowest at USD -4.09 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Net Sales

Lowest at USD 1.85 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)