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Upturn AI SWOT - About
SHF Holdings Inc (SHFS)
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Upturn Advisory Summary
09/15/2025: SHFS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.9% | Avg. Invested days 21 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 6.21M USD | Price to earnings Ratio - | 1Y Target Price 1.5 |
Price to earnings Ratio - | 1Y Target Price 1.5 | ||
Volume (30-day avg) - | Beta 0.47 | 52 Weeks Range 1.84 - 14.86 | Updated Date 06/29/2025 |
52 Weeks Range 1.84 - 14.86 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -18.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) -87.42% |
Management Effectiveness
Return on Assets (TTM) -136.32% | Return on Equity (TTM) -506.37% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 24415200 | Price to Sales(TTM) 0.45 |
Enterprise Value 24415200 | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 1.14 | Enterprise Value to EBITDA - | Shares Outstanding 2785460 | Shares Floating 1106599 |
Shares Outstanding 2785460 | Shares Floating 1106599 | ||
Percent Insiders 41.96 | Percent Institutions 21.91 |
Upturn AI SWOT
SHF Holdings Inc
Company Overview
History and Background
SHF Holdings Inc., formerly known as Safe Harbor Financial, began as a financial services provider specializing in serving the cannabis industry. Founded in 2015, the company has grown to offer a comprehensive suite of banking and credit solutions tailored to the unique challenges of this sector. Originally focused on regulatory compliance and safe banking practices for cannabis businesses, it navigated the evolving legal landscape of the industry.
Core Business Areas
- Financial Services: SHF provides banking services, including checking accounts, lending solutions, and payment processing, tailored to cannabis businesses.
- Credit Solutions: They offer secured lending and other credit facilities to cannabis operators, helping them manage cash flow and expand their operations.
- Real Estate Financing: Provides financing for commercial real estate used for cannabis operations.
Leadership and Structure
Sundie Seefried serves as the CEO. The organizational structure includes divisions for banking, lending, and compliance, each overseen by experienced professionals in their respective fields.
Top Products and Market Share
Key Offerings
- Cannabis Banking Services: SHF provides checking accounts, cash management, and other banking services for cannabis businesses. Market share is estimated at around 3-5% of the total addressable market for cannabis banking. Competitors include other banks and credit unions willing to work with cannabis businesses, like Dama Financial.
- Cannabis Lending Solutions: SHF offers secured lending facilities to cannabis operators for expansion and working capital. Competitors include Bespoke Financial, AFC Gamma, and other private credit funds.
Market Dynamics
Industry Overview
The cannabis industry is rapidly growing but faces significant banking challenges due to federal prohibition, leading to a fragmented market with limited access to traditional financial services.
Positioning
SHF is positioned as a key financial services provider within the cannabis industry, offering specialized solutions and navigating complex regulatory requirements. Their competitive advantage lies in their expertise and established relationships within the industry.
Total Addressable Market (TAM)
The total addressable market for cannabis banking and financial services is estimated to be in the billions of dollars annually. SHF is positioned to capture a significant portion of this TAM through its specialized services and expertise.
Upturn SWOT Analysis
Strengths
- Expertise in cannabis banking regulations
- Established relationships with cannabis businesses
- Specialized financial services tailored to the industry
- Experienced leadership team
Weaknesses
- Reliance on the cannabis industry
- Regulatory risks associated with cannabis
- Limited access to capital compared to larger financial institutions
- Small market share compared to national banks
Opportunities
- Expansion into new cannabis markets
- Development of innovative financial products for the industry
- Potential for federal cannabis legalization
- Partnerships with other financial institutions
Threats
- Changes in cannabis regulations
- Increased competition from other financial institutions
- Economic downturn impacting the cannabis industry
- Security risks associated with cash-intensive businesses
Competitors and Market Share
Key Competitors
- Dama Financial
- AFC Gamma (AFCG)
- Besppoke Financial
Competitive Landscape
SHF competes with other financial institutions and private credit funds that serve the cannabis industry. It faces competition from larger banks and credit unions with greater resources, as well as smaller specialized lenders with deep industry knowledge.
Major Acquisitions
No current aquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No current acquisitions.
Growth Trajectory and Initiatives
Historical Growth: Discuss SHF Holdings Inc's growth trends over the past years. Add growth percentages
Future Projections: Provide projections for SHF Holdings Inc's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by SHF Holdings Inc.
Summary
SHF Holdings Inc. operates in the niche market of cannabis banking, providing essential financial services to an underserved industry. While the company has expertise and established relationships, it faces regulatory risks and competition. Success depends on navigating the evolving legal landscape and expanding its market share. SHF has the potential to be profitable, however, there are a lot of unknown risks and variables with the industry that it operates in.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About SHF Holdings Inc
Exchange NASDAQ | Headquaters Golden, CO, United States | ||
IPO Launch date 2021-08-20 | CEO & Interim CFO Mr. Terrance E. Mendez | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 41 | Website https://shfinancial.org |
Full time employees 41 | Website https://shfinancial.org | ||
SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry. The company, through its proprietary platform, offers access to business checking and savings accounts, cash management accounts, savings and investment options, commercial lending, courier and vaulting services, remote deposit services, automated clearing house payments and origination, debit, and wire payments. It also provides regulatory compliance consulting, software for maintaining know your customer, and bank secrecy act compliance; origination, onboarding, verification, and servicing of cannabis-related deposit business; and sourcing, underwriting, servicing, and administering services of loans issued to cannabis businesses and related entities. In addition, the company's services allow cannabis related businesses to obtain services from financial institutions that allow them to run their business with enhanced financial insight into their business and access to resources. SHF Holdings, Inc. was founded in 2015 and is based in Golden, Colorado.
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