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SHF Holdings Inc(SHFS)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SHFS
09/16/2026: SHFS (1-star) is currently NOT-A-BUY. Pass it for now.
SHF Holdings Inc is a specialized financial services firm providing compliant banking and lending solutions to the state-legal cannabis industry. The company operates a platform designed to navigate the unique regulatory challenges that prevent mainstream banks from serving cannabis operators. Its primary growth opportunity lies in the potential for federal banking reform, which could substantially expand its addressable market. However, investors must consider high execution risks, intense regulatory dependence, and potential competition from large financial institutions. Given the inherent volatility of the cannabis sector, the stock is better suited for investors with a high risk tolerance who are looking for indirect exposure to the evolving legal cannabis landscape.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company offers exposure to the nascent cannabis sector but carries high execution and regulatory risks. |
| Momentum investor | Weak fit | The stock often lacks the sustained volume and trend signals typically required for momentum strategies. |
| Value investor | Weak fit | Valuation is difficult to anchor given the speculative nature of the industry and regulatory uncertainty. |
| Dividend investor | Weak fit | The company does not pay a dividend and is focused on capital preservation and growth. |
| Low-risk investor | Weak fit | The volatility and regulatory exposure of the cannabis industry make this an unsuitable choice for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant price swings due to its small market capitalization and industry sensitivity. |
| Valuation risk | High | Determining intrinsic value is complex due to the heavy influence of potential federal legislation on future earnings. |
| Competition risk (Cannabis Finance) | Medium / high | The potential entry of larger financial institutions if banking laws change could threaten the company's market share. |
| Business quality | Medium | While the platform is specialized, the business remains heavily tied to a single, legally precarious industry. |
| Dividend income | Low / none | The company does not generate the consistent excess cash flow required to support dividend payments. |
| Execution risk | Medium / high | Success depends on the company's ability to maintain high compliance standards while scaling its lending and banking services. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit -46.98% | Avg. Invested days 14 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/16/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.92M USD | Price to earnings Ratio - | 1Y Target Price 1.5 |
Price to earnings Ratio - | 1Y Target Price 1.5 | ||
Volume (30-day avg) 677.3K shares | Beta 0.79 | 52 Weeks Range 0.14 - 9.19 | Updated Date 09/16/2026 |
52 Weeks Range 0.14 - 9.19 | Updated Date 09/16/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.96 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking and Compliance | Account fees, transaction processing fees, and compliance monitoring services for cannabis operators. | The company charges fees to help cannabis companies access banking services that are otherwise hard to obtain. |
| Lending | Interest income from secured loans provided to cannabis businesses. | The company earns money by acting as a lender to businesses in the cannabis industry. |
Valuation
Trailing PE - | Forward PE - | Enterprise Value -3.31M | Price to Sales(TTM) 0.23 |
Enterprise Value -3.31M | Price to Sales(TTM) 0.23 | ||
Enterprise Value to Revenue 0.22 | Enterprise Value to EBITDA - | Shares Outstanding 12.33M | Shares Floating 11.12M |
Shares Outstanding 12.33M | Shares Floating 11.12M | ||
Percent Insiders 9.5 | Percent Institutions 8.17 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About SHF Holdings Inc
Exchange NASDAQ | Headquarters Golden, CO, United States | ||
IPO Launch date 2021-08-20 | CEO, CFO & Director Mr. Terrance Elliot Mendez | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 39 | Website https://shfinancial.org |
Full time employees 39 | 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; 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 for enhanced financial insight into business and access to resources. SHF Holdings, Inc. was founded in 2015 and is headquartered in Golden, Colorado.
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