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Upturn AI SWOT - About
SHF Holdings Inc (SHFSW)
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Upturn Advisory Summary
08/28/2025: SHFSW (1-star) is currently NOT-A-BUY. Pass it for now.
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 -82.22% | Avg. Invested days 22 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 0.47 | 52 Weeks Range 0.01 - 0.06 | Updated Date 06/22/2025 |
52 Weeks Range 0.01 - 0.06 | Updated Date 06/22/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
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 - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating 1106599 |
Shares Outstanding - | Shares Floating 1106599 | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
SHF Holdings Inc
Company Overview
History and Background
SHF Holdings Inc. (formerly known as Interlink Connection, Inc. and Safe Harbor Financial) provides cannabis-related financial services. It was founded in 1983. The company rebranded and pivoted to focus on the cannabis industry, offering a range of services tailored to the sector's unique challenges.
Core Business Areas
- Financial Services: Provides lending, banking, and payment solutions tailored for cannabis businesses, including secure access to banking and capital.
- Real Estate Services: Offers commercial real estate services tailored to the cannabis industry.
- Consulting Services: Provides regulatory compliance and consulting services for cannabis businesses.
Leadership and Structure
Sundie Seefried is the CEO. The organizational structure is built to manage banking compliance, real estate lending, and strategic consulting with a clear focus on cannabis-related businesses.
Top Products and Market Share
Key Offerings
- Cannabis Banking: Provides banking services, including checking accounts, loans, and merchant processing, for licensed cannabis businesses. Market share is difficult to pinpoint due to the fragmented nature of cannabis banking but estimates put SHF holdings as a leader in this space. Competitors include Dama Financial, Shield Compliance, and numerous credit unions offering services to cannabis businesses. Revenue data varies based on quarterly reports.
- Real Estate Lending: Offers real estate financing solutions for cannabis-related properties. Market share is smaller and more niche than banking. Competitors include AFC Gamma (AFCG), Innovative Industrial Properties (IIPR), and some private real estate lenders. Revenue data is not publicly available and requires analyst reports.
Market Dynamics
Industry Overview
The cannabis industry is rapidly evolving with increasing legalization and acceptance, yet remains heavily regulated with limited access to traditional banking. The market is growing but fragmented with regulatory challenges and competition.
Positioning
SHF Holdings Inc. positions itself as a key financial services provider uniquely serving the cannabis market with a focus on regulatory compliance and tailored financial solutions. Its competitive advantages are specialized industry knowledge and establishing banking relationships.
Total Addressable Market (TAM)
The total addressable market for cannabis banking and financial services is estimated to be in the billions of dollars annually as cannabis legalization expands. SHF Holdings Inc. is positioned to capture a portion of this TAM by providing specialized services and maintaining compliance with complex regulations.
Upturn SWOT Analysis
Strengths
- Specialized expertise in cannabis financial services
- Strong relationships with regulators and financial institutions
- First-mover advantage in a growing market
- Comprehensive compliance infrastructure
Weaknesses
- Reliance on the cannabis industry's regulatory environment
- Limited diversification beyond cannabis
- Small size compared to traditional financial institutions
- Potential for increased competition
Opportunities
- Expanding cannabis legalization across states
- Increasing demand for secure banking solutions in the cannabis industry
- Potential for partnerships with larger financial institutions
- Growth in ancillary cannabis businesses
Threats
- Federal prohibition of cannabis
- Changing regulatory landscape
- Competition from established financial institutions
- Economic downturn affecting cannabis businesses
Competitors and Market Share
Key Competitors
- AFC Gamma (AFCG)
- Innovative Industrial Properties (IIPR)
- Dama Financial
Competitive Landscape
SHF Holdings Inc. competes with specialized cannabis financial service providers and traditional lenders. Its competitive advantages include specialized industry knowledge and compliance expertise. Disadvantages are smaller scale and capital compared to larger institutions.
Major Acquisitions
Safe Harbor Services, LLC
- Year: 2021
- Acquisition Price (USD millions): 185
- Strategic Rationale: Acquisition of Safe Harbor Services, LLC to solidify banking and compliance services within the cannabis sector.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is tied to the cannabis industry's expansion. SHF Holdings Inc.'s revenue and growth have been influenced by new state legalizations and increased cannabis business activity.
Future Projections: Future growth is projected based on continued legalization and expansion within the industry. Analyst estimates would provide more granular projections.
Recent Initiatives: Recent strategic initiatives include expanding banking solutions, real estate lending programs, and focusing on compliance technologies.
Summary
SHF Holdings Inc. is a key player in the niche market of cannabis financial services, capitalizing on increasing legalization trends. The company's specialized knowledge and compliance focus are strengths, but federal prohibition and increased competition pose threats. Continued growth will depend on strategic partnerships and market expansion. It navigates a complex, evolving legal landscape.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The data provided is based on publicly available information and analyst estimates. Investment decisions should be based on independent research and professional advice. Market share estimates are approximate due to the fragmented nature of the industry.
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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