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SHF Holdings Inc (SHFSW)
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Upturn Advisory Summary
11/28/2025: 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 11/28/2025 |
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 Safe Harbor Financial, provides compliance, security, and transportation services to cannabis operators, offering financial services through partner relationships and technology. Founded in 2015, it became a publicly traded company through a SPAC merger in 2023.
Core Business Areas
- Compliance Services: Offers regulatory compliance solutions to cannabis businesses, ensuring adherence to state and local laws.
- Security Services: Provides security consulting and solutions, including risk assessment and security plans to cannabis operators.
- Financial Services: Offers financial services, including banking and payment solutions, through strategic partnerships with financial institutions.
- Transportation Services: Offers transportation services of cannabis products.
Leadership and Structure
Sundie Seefried is the CEO. The company operates with a management team overseeing various departments like compliance, security, and finance. The board of directors provides strategic oversight.
Top Products and Market Share
Key Offerings
- Compliance Solutions: Offers compliance services to cannabis businesses. While specific market share data is limited, this market is highly fragmented. Competitors include Simplifya and Fyllo.
- Security Services: Provides security solutions for cannabis businesses. This segment also lacks readily available market share data. Competitors include Securitas and Allied Universal.
- Financial Services (Banking Solutions through partnerships): Offers banking solutions via partnerships. The revenue for this segment is included in overall company revenue. Competitors include Dama Financial and Hypur.
Market Dynamics
Industry Overview
The cannabis industry is rapidly growing but faces regulatory hurdles and banking restrictions. There is an increasing demand for compliance, security, and financial services.
Positioning
SHF Holdings aims to be a leading provider of specialized solutions for the cannabis industry, particularly in compliance and financial services, offering a vertically integrated solution.
Total Addressable Market (TAM)
The total addressable market for cannabis banking and related services is estimated to be in the billions of dollars annually. SHF Holdings is positioned to capture a portion of this market by offering compliance and security services which cannabis companies need.
Upturn SWOT Analysis
Strengths
- Strong focus on the cannabis industry
- Vertically integrated service offering
- Established partnerships with financial institutions
- Expertise in compliance and security
Weaknesses
- Dependence on the cannabis industry
- Limited operating history as a public company
- Relatively small market capitalization
- Regulatory uncertainties in the cannabis industry
Opportunities
- Expanding legalization of cannabis in more states
- Increased demand for compliant banking solutions
- Growth through strategic acquisitions
- Development of new product and service offerings
Threats
- Federal prohibition of cannabis
- Increased competition from larger financial institutions
- Changes in state regulations
- Economic downturns affecting the cannabis industry
Competitors and Market Share
Key Competitors
- Dama Financial (Private)
- Hypur (Private)
- Simplifya (Private)
- Fyllo (Private)
Competitive Landscape
The competitive landscape is fragmented with several players focusing on specific niches. SHF Holdings is attempting to differentiate itself by offering an integrated suite of services. These are all estimates and percentages may vary based on source and methodology.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is being established post-SPAC merger.
Future Projections: Future growth is expected to be driven by the continued expansion of the legal cannabis market and increased demand for SHF Holdings' services. Analyst estimates are not available.
Recent Initiatives: Recent initiatives include expanding its network of financial partners and developing new compliance and security solutions.
Summary
SHF Holdings Inc. is a relatively new public company focused on providing essential services to the growing cannabis industry. Its revenues are growing, but it's still working toward profitability. The company operates in a highly regulated and evolving market, creating both opportunities and risks for its growth. SHF holdings will need to be mindful of increasing competition in the financial/compliance space in the Cannabis industry.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Third-party financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise.
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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