SHF Holdings (SHFS) Fair Value & Analysis

Financial Services · US · Market cap $1.6M

Below-average quality, screening 122% undervalued on our models.

What matters now

• The large discount to fair value meets weak quality (33/100). That raises the risk this is a value trap rather than a bargain.
• The price is below even our cautious bear case ($0.2560). The market is more pessimistic than our downside scenario.
• The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
• A fairly wide model range ($0.2560 to $0.4810) leaves room in how you read the outcome.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.

How to read this chart

60‑month range $0.1735 – $228.40 · fair‑value band $0.2560 – $0.4810 · the $0.1749 price screens below the $0.3880 fair value. Dashed = 300-day average. As of Jul 27, 2026.

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Analysis

SHF Holdings (SHFS) currently trades at $0.1749, while our model-based Fair Value estimate is $0.3880, implying the stock looks roughly 121.8% undervalued today. The Quality Score stands at 33/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, SHF Holdings generated revenue of $7.8M at a net margin of -39.8%. Revenue grew 25.7% year over year. The balance sheet holds a net cash position of $6.1M. Fundamentals as of Jul 27, 2026

Our scenario range runs from $0.2560 (bear case) to $0.4810 (bull case); at $0.1749, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 122%, SHFS screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Key figures & financial health

Quality Score breakdown

About the company

SHF Holdings, Inc., through its subsidiaries, provides access to banking, lending, and other financial services to financial institutions serving the cannabis industry.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

SHF Holdings reported revenue of $7.7M in FY2025 versus $7.0M in FY2021, a compound +2.3%/yr. Reported net income was −$2.2M in FY2025.

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Peer Group

Banks - Regional · 1083 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.