SHF Holdings, Inc.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: US8244301029
USD
1.58
0.05 (3.27%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

14.57 k

Shareholding (Mar 2025)

FII

0.22%

Held by 3 FIIs

DII

98.06%

Held by 2 DIIs

Promoter

0.00%

How big is SHF Holdings, Inc.?

22-Jun-2025

As of Jun 18, SHF Holdings, Inc. has a market capitalization of 6.91 million and net sales of 13.12 million, with a net profit of -50.68 million. As of Dec 24, shareholder's funds are at -12.29 million and total assets at 13.39 million.

As of Jun 18, SHF Holdings, Inc. has a market capitalization of 6.91 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of net sales for the latest four quarters is 13.12 million, while the sum of net profit for the same period is -50.68 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at -12.29 million and total assets at 13.39 million.

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What does SHF Holdings, Inc. do?

22-Jun-2025

SHF Holdings, Inc. is a micro-cap company in the regional banks industry, reporting net sales of $2 million and a market cap of $6.91 million as of March 2025, with no net profit and a return on equity of 260.11%. The company has a P/E ratio of NA due to losses and a dividend yield of 0.00%.

Overview: <BR>SHF Holdings, Inc. operates in the regional banks industry and is classified as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 2 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 6.91 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: NA (Loss Making) <BR>Industry P/E: NA <BR>Dividend Yield: 0.00% <BR>Debt Equity: -999,999.00 <BR>Return on Equity: 260.11% <BR>Price to Book: -0.41<BR><BR>Contact Details: <BR>Registrar Address: Not available.

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Should I buy, sell or hold SHF Holdings, Inc.?

22-Jun-2025

Is SHF Holdings, Inc. overvalued or undervalued?

25-Jun-2025

As of November 14, 2022, SHF Holdings, Inc. is considered overvalued and risky due to its negative price-to-book value, high EV to EBITDA ratio compared to peers, and significant underperformance against the S&P 500.

As of 14 November 2022, the valuation grade for SHF Holdings, Inc. moved from very expensive to risky. The company appears to be overvalued given its negative price-to-book value of -0.41 and an EV to sales ratio of 1.28, which indicates that the market is pricing the company higher than its actual sales performance. Additionally, the company has a negative return on capital employed and return on equity, further supporting the notion of overvaluation.<BR><BR>In comparison to its peers, SHF Holdings, Inc. has a significantly higher EV to EBITDA ratio of 16.86, while Village Bank & Trust Financial Corp. has a fair valuation with a P/E ratio of 17.15, and United Bancorp, Inc. boasts a very attractive P/E of 11.57. The stark contrast in these ratios highlights the overvaluation of SHF Holdings, Inc. Furthermore, the company's stock has underperformed significantly against the S&P 500, with a year-to-date return of -75.27%, compared to the index's gain of 2.44%.

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Is SHF Holdings, Inc. technically bullish or bearish?

20-Sep-2025

As of September 8, 2025, SHF Holdings, Inc. has shifted to a neutral trend with mixed signals, showing a year-to-date return of -64.69% compared to the S&P 500's 12.22%.

As of 8 September 2025, the technical trend for SHF Holdings, Inc. has changed from mildly bullish to sideways. The current stance is neutral, with mixed signals across various indicators. The weekly MACD and Dow Theory are mildly bullish, while the daily moving averages indicate a mildly bearish trend. The KST shows bullish weekly momentum but bearish monthly momentum, and the Bollinger Bands present a mixed view with mildly bullish weekly and mildly bearish monthly signals. <BR><BR>In terms of performance, SHF Holdings has significantly underperformed against the S&P 500, with a year-to-date return of -64.69% compared to the S&P's 12.22%, and a one-year return of -70.56% against the S&P's 17.14%.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

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
2

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

3

Risky - Negative Book Value

4

Below par performance in long term as well as near term

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 12 Million (Micro Cap)

stock-summary
P/E

NA (Loss Making)

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

-999,999.00

stock-summary
Return on Equity

255.97%

stock-summary
Price to Book

-0.69

Revenue and Profits:
Net Sales:
2 Million
(Quarterly Results - Jun 2025)
Net Profit:
-1 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-64.89%
0%
-64.89%
6 Months
-31.3%
0%
-31.3%
1 Year
-80.65%
0%
-80.65%
2 Years
-91.48%
0%
-91.48%
3 Years
-60.7%
0%
-60.7%
4 Years
-84.2%
0%
-84.2%
5 Years
0%
0%
0.0%

SHF Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryKey Factors
Quality key factors stock-summary
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)
0
Sales to Capital Employed (avg)
0
Tax Ratio
100.00%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
26.23%
ROCE (avg)
0.15%
ROE (avg)
4.27%
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
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
Negative BV
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 3 Schemes (1.71%)

Foreign Institutions

Held by 3 Foreign Institutions (0.22%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -5.26% vs -48.65% in Mar 2025",
        "dir": 1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -12.50% vs 98.45% in Mar 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "1.80",
          "val2": "1.90",
          "chgp": "-5.26%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-1.00",
          "val2": "-2.00",
          "chgp": "50.00%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.10",
          "val2": "0.10",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.10",
          "val2": "1.30",
          "chgp": "-92.31%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-0.90",
          "val2": "-0.80",
          "chgp": "-12.50%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-526.20%",
          "val2": "-1,030.60%",
          "chgp": "50.44%",
          "chgp_class": "positive"
        }
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    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is -13.64% vs 85.26% in Dec 2023",
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is -179.19% vs 50.71% in Dec 2023",
        "dir": -1
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      "header": [
        "Dec'24",
        "Dec'23",
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
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          "val2": "-0.40",
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          "field": "Interest",
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          "val2": "1.10",
          "chgp": "-54.55%",
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          "val2": "-16.20",
          "chgp": "62.96%",
          "chgp_class": "positive"
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          "chgp": "-179.19%",
          "chgp_class": "negative"
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          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "-102.70%",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
1.80
1.90
-5.26%
Operating Profit (PBDIT) excl Other Income
-1.00
-2.00
50.00%
Interest
0.10
0.10
Exceptional Items
0.10
1.30
-92.31%
Consolidate Net Profit
-0.90
-0.80
-12.50%
Operating Profit Margin (Excl OI)
-526.20%
-1,030.60%
50.44%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is -5.26% vs -48.65% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -12.50% vs 98.45% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
15.20
17.60
-13.64%
Operating Profit (PBDIT) excl Other Income
2.80
-0.40
800.00%
Interest
0.50
1.10
-54.55%
Exceptional Items
-6.00
-16.20
62.96%
Consolidate Net Profit
-48.30
-17.30
-179.19%
Operating Profit Margin (Excl OI)
135.00%
-102.70%
23.77%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is -13.64% vs 85.26% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is -179.19% vs 50.71% in Dec 2023

stock-summaryCompany CV
About SHF Holdings, Inc. stock-summary
stock-summary
SHF Holdings, Inc.
Regional Banks
No Details Available.
Company Coordinates stock-summary
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No Company Details Available