SHF Holdings, Inc.

SHFS

SHF Holdings, Inc.

SHFS

Insider Sentiment (TTM):

Last Purchase:2023-12-14Last Sale:2022-06-29Shares Purchased (TTM):0Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:301,814Shares Outstanding:4,353,099Institutional Ownership Pct.:6.93%

Earnings Market Reaction:

Filing Date:2026-08-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Cash Equivalents At Carrying Value	6	6	7	1	0	1	2	6	6	6	5	9
Receivable From Officers And Directors For Issuanc…	-	-	-	6	-	-	-	-	-	-	-	-
Accounts Receivable Net Current	-	1	1	-	-	-	1	-	-	-	-	1
Contract With Customer Asset Gross Current	-	-	-	-	-	-	-	-	-	-	-	0
Prepaid Expense Current	1	1	1	0	0	1	1	0	0	1	1	0
Assets Current
Assets Current	11	12	12	11	5	5	12	12	8	7	8	11
Interest Receivable Current	-	-	-	-	0	0	0	0	0	0	0	0
Accounts And Other Receivables Net Current	-	-	-	-	-	0	0	0	0	0	0	0
Financing Receivable Excluding Accrued Interest Af…	-	-	-	-	-	-	0	-	-	-	-	-
Assets Held For Sale Not Part Of Disposal Group Cu…	-	-	-	-	0	-	-	-	-	-	-	-
Contract With Customer Asset Net Current	1	1	1	-	-	-	-	-	-	-	-	-
Marketable Securities Current	-	1	-	-	-	-	-	-	-	-	-	-
Other Assets Current	3	3	3	3	3	3	3	-	-	-	0	-
Long Term Investments	-	-	-	-	-	0	0	0	0	0	0	0
Property Plant And Equipment Net	-	-	-	-	-	0	0	0	0	0	0	0
Operating Lease Right Of Use Asset	0	1	1	1	1	1	1	1	1	1	1	1
Goodwill	-	-	-	-	-	-	-	6	6	6	6	6
Finite Lived Intangible Assets Net	-	-	-	-	-	-	-	3	3	4	4	6
Deferred Income Tax Assets Net	-	-	-	-	-	-	-	44	44	44	44	43
Marketable Securities Noncurrent	-	-	1	2	-	-	-	-	-	-	-	-
Prepaid Expense Noncurrent	0	0	0	0	0	0	0	0	0	1	1	1
Security Deposit	-	-	-	-	-	0	0	0	0	0	0	0
Contract With Customer Asset Net Noncurrent	2	2	3	-	-	-	-	-	-	-	-	-
Other Assets Noncurrent	0	0	0	0	0	-	0	-	-	-	-	-
Assets	14	16	17	14	6	7	13	67	67	68	68	72
Liabilities And Stockhold…
Accounts Payable Current	-	-	-	-	-	-	-	-	-	-	-	1
Accrued Liabilities Current	1	1	1	1	1	1	1	1	1	1	1	1
Contract With Customer Liability Current	-	-	-	0	0	0	0	0	0	0	0	0
Senior Notes Current	-	-	-	-	-	-	0	3	3	3	3	3
Deferred Revenue Current	-	0	0	-	-	-	0	-	-	-	-	-
Liabilities Current
Liabilities Current	6	7	6	5	12	12	13	15	8	7	8	20
Operating Lease Liability Current	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Compensation Liability Current	3	3	3	3	3	3	3	3	3	3	3	15
Derivative Liabilities Current	-	-	-	-	7	7	7	7	-	-	-	-
Other Liabilities Current	1	0	0	0	0	0	0	0	0	0	0	0
Deferred Compensation Liability Classified Noncurr…	-	-	-	-	-	-	-	0	0	1	1	3
Derivative Liabilities Noncurrent	-	-	-	-	-	-	-	-	7	7	7	7
Senior Long Term Notes	-	-	-	-	11	11	11	9	9	10	11	12
Operating Lease Liability Noncurrent	0	0	1	1	1	1	1	1	1	1	1	1
Liabilities	8	9	9	7	24	24	26	28	29	31	34	45
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Stockholders Equity
Stockholders Equity	6	7	8	7	-18	-17	-12	39	38	37	34	27
Additional Paid In Capital	132	131	131	129	105	105	108	108	108	107	106	99
Retained Earnings Accumulated Deficit	-126	-125	-123	-122	-123	-122	-121	-69	-69	-70	-72	-72
Liabilities And Stockholders Equity	14	16	17	14	6	7	13	67	67	68	68	72
Preferred Stock Par Or Stated Value Per Share	-	-	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Authorized	-	-	1	1	1	1	1	1	1	1	1	1
Preferred Stock Shares Issued	-	-	-	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	-	-	-	0	0	0	0	0	0	0	0	0
Common Stock Par Or Stated Value Per Share	-	-	-	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	-	-	-	130	130	130	130	130	130	130	130	130
Common Stock Shares Issued	12	-	-	3	3	3	3	3	3	3	3	2
Shares Outstanding	12	-	-	3	3	3	3	3	3	3	3	2

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-16.81%	-47.84%	-60.34%	-	-	-	-	-	-	-	-	-
2025	14.75%	55.76%	4.38%	42.63%	113.95%	-19.49%	1.94%	-32.90%	-27.10%	-49.45%	-57.49%	-73.35%
2024	-29.47%	-30.73%	-21.79%	-5.60%	-21.60%	-35.20%	14.88%	19.83%	37.19%	53.67%	27.52%	2.29%
2023	-	-	-	-15.10%	61.22%	40.61%	51.52%	116.67%	46.97%	-22.48%	-24.54%	-43.63%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Liquidity Ratios
Current Ratio	1.76	1.81	1.88	2.08	0.40	0.44	0.92	0.83	1.04	1.04	0.98	0.53
Quick Ratio	1.68	1.69	1.74	2.01	0.37	0.39	0.87	0.79	0.99	0.97	0.91	0.52
Working Capital	4.73M	5.53M	5.70M	5.77M	-7.38M	-6.72M	-983.83K	-2.52M	301.74K	318.83K	-135.36K	-9.38M
Leverage & Debt
Debt to Equity	1.32	1.33	1.09	0.95	-1.33	-1.39	-2.08	0.70	0.75	0.83	0.98	1.68
Interest Coverage TTM	-10.57	-8.48	-7.52	-14.41	-14.30	-11.75	-8.42	-0.97	-0.50	-14.10	-11.38	-11.30
Debt Ratio	0.57	0.57	0.52	0.49	4.00	3.55	1.93	0.41	0.43	0.45	0.49	0.63
Efficiency & Turnover
Asset Turnover TTM	0.78	0.69	0.50	0.23	0.30	0.35	0.38	0.23	0.24	0.22	0.21	0.19
Days Sales Outstanding TTM	-	37.84	47.57	-	-	-	23.95	-	-	-	-	23.29
Receivables Turnover TTM	-	9.65	7.67	-	-	-	15.24	-	-	-	-	15.67
Per Share Metrics
Diluted EPS TTM	-0.69	-0.74	-0.74	-17.11	-18.78	-18.37	-17.43	2.06	1.67	-4.91	-8.12	-23.06
Free Cash Flow Per Share TTM	-0.65	-0.77	-1.17	-1.37	-1.04	-0.78	0.16	0.94	1.02	0.19	-0.81	-0.56
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	-	-	-	-	-	-	-	-	-	96.42%	93.66%	92.10%
Operating Profit Margin TTM	-66.95%	-67.01%	-70.36%	-130.06%	-97.69%	-71.68%	-46.52%	-5.77%	-3.38%	-107.75%	-118.04%	-137.23%
Net Profit Margin TTM	-61.03%	-41.48%	-28.16%	-573.55%	-485.45%	-390.09%	-317.00%	36.34%	27.99%	-79.25%	-98.39%	-340.84%
Growth Metrics
Net Revenue Growth (1Y)	-28.59%	-41.20%	-49.66%	-42.15%	-35.31%	-24.72%	-13.21%	-3.68%	14.89%	45.42%	85.29%	48.87%
Net Income Growth (1Y)	-91.02%	-93.75%	-95.53%	-1,013.06%	-1,222.11%	270.54%	179.63%	-110.27%	-108.60%	-62.70%	-50.81%	-1,440.93%
EPS Growth (1Y)	-96.34%	-96.00%	-95.76%	-971.56%	-1,200.30%	267.10%	114.67%	-109.11%	-106.81%	-82.66%	-78.06%	-609.49%
Valuation Metrics
P/E TTM	-0.35	-1.13	-1.43	-0.39	-0.12	-0.23	-0.52	5.26	6.28	-3.86	-3.50	-0.69
P/B TTM	0.27	0.54	0.38	2.98	-0.34	-0.71	-2.03	0.78	0.77	1.44	1.76	1.44
P/S TTM	0.21	0.47	0.40	2.24	0.56	0.91	1.64	1.91	1.76	3.06	3.44	2.34
Market Cap	1.66M	3.62M	3.10M	20.82M	6.13M	11.95M	24.96M	30.69M	29.71M	53.28M	60.46M	38.91M
Enterprise Value	-4.07M	-2.28M	-3.68M	19.95M	5.89M	11.02M	22.63M	24.83M	23.60M	47.65M	55.57M	29.97M
Calculated Values
Free Cash Flow TTM	-4.50M	-3.36M	-3.42M	-3.99M	-2.95M	-2.19M	430.48K	2.60M	2.84M	534.78K	-1.72M	-1.39M
Net Debt	-5.73M	-5.90M	-6.78M	-861.72K	-247.32K	-931.40K	-2.32M	-5.86M	-6.11M	-5.63M	-4.89M	-8.95M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2023-12-14Purchase

Owner: Seefried, Sundie

Title: Chief Executive Officer

Shares: 24,700

Price/Share: $0.96

Value: $23,712.00

Shares Owned: 1,248,172

Relationship: Officer

Ownership: Direct

2023-12-14Purchase

Owner: Fagan, Doug

Title: -

Shares: 15,000

Price/Share: $0.97

Value: $14,550.00

Shares Owned: 48,000

Relationship: Director

Ownership: Direct

2023-12-14Purchase

Owner: Seefried, Sundie

Title: Chief Executive Officer

Shares: 24,700

Price/Share: $0.93

Value: $22,971.00

Shares Owned: 1,631,180

Relationship: Officer

Ownership: Direct

2023-12-11Purchase

Owner: Niehaus, Jonathon

Title: -

Shares: 10,000

Price/Share: $0.94

Value: $9,400.00

Shares Owned: 164,359

Relationship: Director

Ownership: Direct

2023-12-11Purchase

Owner: Summers, Jonathan

Title: -

Shares: 3,000

Price/Share: $0.95

Value: $2,850.00

Shares Owned: 151,128

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2023-12-14	Seefried, Sundie	Officer	Chief Executive Officer	Direct	Purchase	24,700	0.96	$23,712.00	1,248,172	4
2023-12-14	Fagan, Doug	Director	-	Direct	Purchase	15,000	0.97	$14,550.00	48,000	4
2023-12-14	Seefried, Sundie	Officer	Chief Executive Officer	Direct	Purchase	24,700	0.93	$22,971.00	1,631,180	5
2023-12-11	Niehaus, Jonathon	Director	-	Direct	Purchase	10,000	0.94	$9,400.00	164,359	4
2023-12-11	Summers, Jonathan	Director	-	Direct	Purchase	3,000	0.95	$2,850.00	151,128	4
2023-12-11	Roda, Dan	Officer	EVP & Chief Operating Officer	Direct	Purchase	1,000	1.00	$1,000.00	928,869	4
2023-12-11	Seefried, Sundie	Officer	Chief Executive Officer	Direct	Purchase	5,200	0.94	$4,888.00	1,223,472	4
2023-12-08	Emmi, Donald	Officer	Chief Legal Officer	Direct	Purchase	7,500	1.00	$7,500.00	369,197	4
2023-12-05	Emmi, Donald	Officer	Chief Legal Officer	Direct	Purchase	66,000	0.87	$57,420.00	361,697	4
2023-12-05	Seefried, Sundie	Officer	Chief Executive Officer	Direct	Purchase	20,000	0.88	$17,600.00	1,214,572	4
2023-12-04	Seefried, Sundie	Officer	Chief Executive Officer	Direct	Purchase	9,500	0.82	$7,790.00	1,194,572	4
2023-12-01	Carleton, Richard	Director	-	Direct	Purchase	45,000	0.80	$36,000.00	180,128	4
2023-12-01	Fagan, Doug	Director	-	Direct	Purchase	13,000	0.77	$10,010.00	33,000	4
2023-06-09	Darwin, John	Director	-	Direct	Purchase	25,000	0.59	$14,750.00	1,865,566	4
2023-06-09	Roda, Dan	Officer	EVP / Chief Operating Officer	Direct	Purchase	1,500	0.59	$885.00	267,841	4
2023-06-09	Emmi, Donald	Officer	Chief Legal Officer	Direct	Purchase	38,000	0.59	$22,420.00	295,697	4
2023-06-09	Summers, Jonathan	Director	-	Direct	Purchase	8,000	0.60	$4,800.00	113,128	4
2023-06-08	Seefried, Sundie	Officer	Chief Executive Officer	Indirect	Purchase	19,500	0.53	$10,335.00	1,172,833	4
2023-05-31	Meyers, Jennifer	Director	-	Direct	Purchase	10,000	0.49	$4,900.00	101,998	4
2023-05-30	Darwin, John	Director	-	Direct	Purchase	15,000	0.48	$7,200.00	1,840,566	4
2023-05-26	Carleton, Richard	Director	-	Direct	Purchase	5,000	0.48	$2,400.00	135,128	4
2023-05-24	Dennedy, James H	Officer	Chief Financial Officer	Direct	Purchase	25,000	0.40	$10,000.00	166,667	4/A
2023-05-24	Fagan, Doug	Director	-	Indirect	Purchase	25,000	0.40	$10,000.00	45,000	4
2023-05-24	Niehaus, Jonathon	Director	-	Direct	Purchase	50,000	0.39	$19,500.00	149,359	4
2023-05-24	Darwin, John	Director	-	Direct	Purchase	15,000	0.40	$6,000.00	1,825,566	4
2023-05-23	Emmi, Donald	Officer	Chief Legal Officer	Direct	Purchase	141,012	0.38	$53,584.56	257,697	4
2023-05-23	Meyers, Jennifer	Director	-	Direct	Purchase	11,870	0.39	$4,629.30	91,998	4
2022-06-29	Boothbay, Fund Management…	TenPercentOwner	-	Indirect	Sale	1,300,000	10.21	$13,273,000.00	0	4
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Institutional Ownership

No data available for chart

2026-03-31

6.93%

Inst. Shares: 301,814

Shares Outstanding: 4,353,099

2025-12-31

7.80%

Inst. Shares: 227,778

Shares Outstanding: 2,921,648

2025-09-30

5.40%

Inst. Shares: 157,030

Shares Outstanding: 2,907,219

2025-06-30

5.21%

Inst. Shares: 147,277

Shares Outstanding: 2,826,468

2025-03-31

5.27%

Inst. Shares: 146,830

Shares Outstanding: 2,786,538

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	301,814	4,353,099	6.93%
2025-12-31	227,778	2,921,648	7.80%
2025-09-30	157,030	2,907,219	5.40%
2025-06-30	147,277	2,826,468	5.21%
2025-03-31	146,830	2,786,538	5.27%
2024-12-31	165,515	2,772,867	5.97%
2024-09-30	141,667	2,775,068	5.11%
2024-06-30	133,083	2,771,550	4.80%
2024-03-31	126,685	2,760,680	4.59%
2023-12-31	115,617	2,128,728	5.43%
2023-09-30	197,396	2,462,899	8.01%
2023-06-30	268,130	2,192,965	12.23%
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SHF Holdings, Inc. (SHFS) — SEC Financial Statements & Analysis

SHF Holdings, Inc. (SHFS) is a finance services company, incorporated in DE. SHF Holdings, Inc. trades on Nasdaq as: SHFS, SHFSW. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), SHF Holdings, Inc. reported a -28.59% year-over-year revenue growth, a Gross Profit Margin of 96.42% (TTM), a Debt-to-Equity ratio of 1.32x, a Price-to-Sales (P/S) ratio of 0.21x (TTM), a Price-to-Book (P/B) ratio of 0.27x (TTM), at a market cap of $1.66M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: -28.59%
Gross Profit Margin TTM: 96.42%
Debt To Equity: 1.32x
P/S TTM: 0.21x
P/B TTM: 0.27x
Market Cap: $1.66M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is SHF Holdings, Inc. in?

SHF Holdings, Inc. (SHFS) operates in the Finance Services industry.

What is SHFS's market cap?

SHF Holdings, Inc. (SHFS) has a market capitalization of $1.66M as of 2026-06-30.

What exchange does SHFS trade on?

SHF Holdings, Inc. (SHFS) trades on the Nasdaq.

Where is SHF Holdings, Inc. incorporated?

SHF Holdings, Inc. is incorporated in DE.

SHF Holdings, Inc.

Financial Statements

Custom Table

Interactive Financial Visualizations

Earnings Market Reaction

Performance and Valuation Metrics

Insider Transactions

Institutional Ownership

SHF Holdings, Inc. (SHFS) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Finance Services

Wall Street's data.
Main Street's price.

SHF Holdings, Inc. (SHFS) — SEC Financial Statements & Analysis

Frequently Asked Questions

Companies in Finance Services

Wall Street's data.Main Street's price.

Wall Street's data.
Main Street's price.