NASDAQ : SHFS
SHF Holdings, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 0.078 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 80.16K
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Total Interest Expense | 271.39K | 492.64K | 533.39K | 1.09M | 705.20K | |
| Net Interest Income | -271.39K | -492.64K | -533.39K | -1.09M | -705.20K | |
| Other Revenue | 7.81M | 7.67M | 15.24M | 17.56M | 9.48M | 7.01M |
| Revenue Before Loan Losses | 7.53M | 7.18M | 14.71M | 16.47M | 8.77M | 7.01M |
| Provision for Loan Losses | -880.61K | -177.92K | -1.39M | 290.86K | 506.21K | 1.40K |
| Revenue | 8.42M | 7.36M | 16.10M | 16.18M | 8.27M | 7.00M |
| Salaries & Employee Benefits | 5.86M | 6.27M | 7.78M | 10.33M | 6.70M | 2.14M |
| Cost of Services Provided | 7.67M | 6.86M | 6.79M | 8.76M | 4.24M | 1.58M |
| Other Operating Expenses | 387.22K | 129.07K | ||||
| Total Operating Expenses | 13.91M | 13.25M | 14.58M | 19.10M | 10.93M | 3.72M |
| Operating Income | -5.50M | -5.89M | 1.52M | -2.92M | -2.67M | 3.29M |
| EBT Excluding Unusual Items | -6.36M | -5.56M | 4.69M | -4.77M | -44.05M | 3.29M |
| Impairment of Goodwill | -6.06M | -13.21M | ||||
| Other Unusual Items | 3.01M | 3.34M | 4.57M | -97.59K | ||
| Pretax Income | -3.70M | -2.22M | -4.46M | -19.11M | -44.38M | 3.29M |
| Income Tax Expense | -58.47K | 43.86M | -1.83M | -9.25M | ||
| Net Income | -3.70M | -2.16M | -48.32M | -17.28M | -35.13M | 3.29M |
| Preferred Dividends & Other Adjustments | 1.31M | 241.44K | ||||
| Net Income to Common | -5.01M | -2.40M | -48.32M | -17.28M | -35.13M | 3.29M |
| Shares Outstanding (Basic) | 361.84K | 243.47K | 231.07K | 177.39K | 79.12K | |
| Shares Outstanding (Diluted) | 361.84K | 243.47K | 231.07K | 177.39K | 79.12K | |
| EPS (Basic) | -13.83 | -9.87 | -209.11 | -97.41 | -443.99 | |
| EPS (Diluted) | -13.83 | -9.87 | -209.11 | -97.44 | -444.00 | |
| Free Cash Flow | -4.44M | -3.42M | 430.48K | -1.04M | 1.68M | 2.94M |
| Free Cash Flow Per Share | -12.26 | -14.04 | 1.86 | -5.87 | 21.23 | |
| Operating Margin | -65.33% | -80.06% | 9.46% | -18.04% | -32.26% | 46.93% |
| Profit Margin | -59.48% | -32.65% | -300.08% | -106.81% | -424.90% | 46.93% |
| Free Cash Flow Margin | -52.72% | -46.44% | 2.67% | -6.43% | 20.32% | 41.98% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 5.73M | 6.78M | 2.32M | 4.89M | 8.39M | 5.50M |
| Long-Term Investments | 1.45M | |||||
| Loans & Lease Receivables | 392.19K | 393.85K | 1.41M | 1.46M | ||
| Other Receivables | 1.22M | 1.56M | 5.70M | 2.23M | 1.46M | 548.77K |
| Property, Plant & Equipment | 469.02K | 547.19K | 703.52K | 944.08K | 1.07M | 6.35K |
| Goodwill | 6.06M | 19.27M | ||||
| Other Intangible Assets | 3.72M | 10.62M | ||||
| Other Current Assets | 3.99M | 3.86M | 3.66M | 629.09K | 326.40K | 6.02K |
| Long-Term Deferred Tax Assets | 43.83M | 51.59M | ||||
| Other Long-Term Assets | 2.75M | 3.01M | 435.22K | 5.17M | 5.31M | |
| Total Assets | 14.15M | 17.21M | 13.22M | 67.86M | 99.45M | 7.52M |
| Accounts Payable | 689.12K | 361.19K | 216.33K | 794.71K | 6.58M | 43.63K |
| Accrued Expenses | 824.17K | 1.31M | 1.30M | 1.01M | 1.47M | 129.55K |
| Short-Term Debt | 7.31M | |||||
| Current Portion of Long-Term Debt | 255.76K | 3.01M | ||||
| Current Portion of Leases | 189.90K | 181.96K | 161.95K | 132.55K | 20.12K | |
| Long-Term Debt | 8.42K | 39.62K | 12.11M | 22.48M | 7.98M | |
| Long-Term Leases | 432.17K | 528.55K | 712.88K | 875.45K | 1.01M | |
| Other Current Liabilities | 4.51M | 4.63M | 3.41M | 2.93M | 41.49M | |
| Other Long-Term Liabilities | 1.40M | 1.90M | 2.26M | 35.78M | ||
| Total Liabilities | 8.05M | 8.97M | 25.51M | 33.51M | 94.34M | 181.50K |
| Common Stock | 1.23K | 428.00 | 278.00 | 273.00 | 2.37K | 7.34M |
| Additional Paid-In Capital | 132.31M | 131.15M | 108.47M | 105.92M | 44.81M | |
| Retained Earnings | -126.21M | -122.92M | -120.76M | -71.57M | -39.70M | |
| Total Common Equity | 6.10M | 8.24M | -12.29M | 34.36M | 5.11M | 7.34M |
| Shareholders' Equity | 6.10M | 8.24M | -12.29M | 34.36M | 5.11M | 7.34M |
| Total Liabilities & Equity | 14.15M | 17.21M | 13.22M | 67.86M | 99.45M | 7.52M |
| Total Debt | 630.50K | 750.13K | 20.55M | 26.49M | 9.00M | |
| Net Cash (Debt) | 5.10M | 6.03M | -18.22M | -21.60M | -614.13K | 5.50M |
| Net Cash Per Share | 14.09 | 24.76 | -78.87 | -121.79 | -7.76 | |
| Filing Date Shares Outstanding | 1.03M | 375.46K | 232.04K | 230.96K | 171.34K | |
| Total Common Shares Outstanding | 1.03M | 356.79K | 231.97K | 227.35K | 98.89K | |
| Working Capital | 4.73M | 5.70M | -604.98K | 246.11K | -37.98M | 7.33M |
| Book Value Per Share | 5.94 | 23.08 | -52.97 | 151.11 | 51.71 | |
| Tangible Book Value | 6.10M | 8.24M | -12.29M | 24.58M | -24.77M | 7.34M |
| Tangible Book Value Per Share | 5.94 | 23.08 | -52.97 | 108.10 | -250.53 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -3.70M | -2.16M | -48.32M | -17.28M | -35.13M | 3.29M |
| Depreciation & Amortization | 156.97K | 159.49K | 868.27K | 1.37M | 81.68K | 1.92K |
| Other Amortization | 531.45K | 188.93K | 120.63K | |||
| Asset Writedown & Restructuring Costs | 9.15M | 18.91M | ||||
| Provision for Credit Losses | -880.61K | -177.92K | -1.39M | 290.86K | 506.21K | 1.40K |
| Stock-Based Compensation | 840.16K | 1.52M | 1.68M | 3.74M | 2.81M | |
| Change in Accounts Payable | -103.33K | 144.86K | -578.38K | -2.13M | 123.33K | -64.90K |
| Change in Unearned Revenue | -10.21K | -12.92K | 6.41K | 20.93K | -7.34K | -12.29K |
| Change in Other Net Operating Assets | 523.83K | 587.87K | -1.47M | -1.96M | 277.64K | -259.08K |
| Other Operating Activities | -2.14M | -3.69M | 40.50M | -3.79M | 32.92M | |
| Operating Cash Flow | -4.44M | -3.42M | 430.48K | -832.14K | 1.70M | 2.95M |
| Capital Expenditures | -208.43K | -17.32K | -5.92K | |||
| Cash Acquisitions | -3.00M | -3.04M | ||||
| Investment in Securities | 704.90K | 50.00K | ||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 385.64K | 392.19K | 12.39K | 1.03M | 161.57K | 1.04M |
| Investing Cash Flow | 1.09M | 442.19K | 12.39K | -2.18M | -2.90M | 1.04M |
| Long-Term Debt Issued | 550.00K | |||||
| Long-Term Debt Repaid | -255.76K | -3.01M | -488.83K | |||
| Total Debt Repaid | -255.76K | -3.01M | -488.83K | |||
| Net Debt Issued (Repaid) | 550.00K | 294.24K | -3.01M | -488.83K | ||
| Issuance of Preferred Stock | 6.13M | 6.13M | ||||
| Preferred Share Repurchases | -292.80K | -292.80K | ||||
| Issuance of Common Stock | 2.91M | 1.78M | 4.09M | |||
| Repurchase of Common Stock | -12.77K | -12.77K | ||||
| Other Financing Activities | -454.97K | -467.74K | -1.49M | |||
| Financing Cash Flow | 8.83M | 7.43M | -3.01M | -488.83K | 4.09M | -1.49M |
| Net Cash Flow | 5.48M | 4.45M | -2.56M | -3.50M | 2.89M | 2.49M |
| Free Cash Flow | -4.44M | -3.42M | 430.48K | -1.04M | 1.68M | 2.94M |
| Free Cash Flow Margin | -52.72% | -46.44% | 2.67% | -6.43% | 20.32% | 41.98% |
| Free Cash Flow Per Share | -12.26 | -14.04 | 1.86 | -5.87 | 21.23 | |
| Cash Interest Paid | 166.43K | 388.46K | 416.85K | 450.26K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 63.82K | 3.27M | 25.07M | 77.40M | 36.95M | |
| PS Ratio | 0.01 | 0.44 | 1.56 | 4.79 | 4.47 | |
| PB Ratio | 0.01 | 0.40 | -2.04 | 2.25 | 7.23 | |
| P/FCF Ratio | 58.24 | 21.99 | ||||
| P/OCF Ratio | 58.24 | 21.77 | ||||
| Debt / Equity Ratio | 0.10 | 0.09 | -1.67 | 0.77 | 1.76 | |
| Debt / FCF Ratio | 47.74 | 5.36 | ||||
| Net Debt / Equity Ratio | -0.84 | -0.73 | -1.48 | 0.63 | 0.12 | -0.75 |
| Net Debt / FCF Ratio | 1.15 | 1.76 | 42.34 | -20.76 | 0.37 | -1.87 |
| Quick Ratio | 1.12 | 1.28 | 0.66 | 0.95 | 0.23 | 41.37 |
| Current Ratio | 1.76 | 1.88 | 0.95 | 1.03 | 0.23 | 41.40 |
| Asset Turnover | 0.84 | 0.48 | 0.40 | 0.19 | 0.15 | 1.16 |
| Return on Equity (ROE) | -437.93% | -87.56% | -564.21% | 56.22% | ||
| Return on Assets (ROA) | -36.75% | -14.21% | -119.19% | -20.66% | -65.68% | 54.35% |
| Earnings Yield | -22,277.19% | -66.17% | -192.74% | -22.32% | -95.08% | |
| FCF Yield | -6,951.25% | -104.65% | 1.72% | -1.34% | 4.55% | |
| Buyback Yield / Dilution | -55.45% | -5.37% | -30.26% | -124.21% |