SHFS · SHF Holdings, Inc.
$0.14
+0.05 (+52.55%)
At close · Oct 20
Return incl. dividend (before tax)
Going-concern doubt
— flagged Aug 7, 2026
Substantial doubt about the company's ability to continue as a going concern.
“These conditions, considered in the aggregate, raise substantial doubt about the Company's ability to continue as a going concern. Accordingly, management has concluded that management's plans, considered in the aggregate, do not alleviate the substantial doubt about the Company's ability to continue as a going concern for a period of at least twelve months from the date these unaudited condensed consolidated financial statements are issued.”View the 10-Q filed Aug 7, 2026
Market Cap
$96,608
Shares
1.03M
Volume · Oct 20
125.45M
Avg daily vol (15 sessions)
14.9M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$0.09
Open$0.08
Day$0.07–0.09
52W close$0.09–43.20
Avg vol 30d7.5M
Short int38K · 3.7% float · 1.0d
Short vol58%
Last earningsOct 30, 2024
DataAug 2021–Oct 2026
Filing10-Q · Aug 7
Up next
filed Aug 7, 2026
call held Oct 30, 2024
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$7.81M
Trailing 12 months
Net income (TTM)
−$3.70M
Trailing 12 months
Revenue growth YoY
+4.8%
Year over year
Operating margin
-67.0%
Trailing 12 months
P / E (TTM)
—
Trailing earnings
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+145.1%
Year over year · more shares
Price change (1Y)
—
Trailing year
Short interest
3.7%
Latest settlement · 1.0 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Rating
blended score · not investment adviceOverall
Strong Sell
SellHoldBuy
Technical
Strong Sell
Momentum
Very Weak
Sentiment
Neutral
Fundamentals
Weak
Quant / Vol
Very High
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−99%
below
Price vs 50-day avg
−94%
below
RSI (14)
16
oversold
MACD trend
Negative
52-week position
0%
near low
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−96%
trailing
6-month return
−99%
trailing
YTD return
−99%
this year
Relative strength
−107%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $2 › 200d $6 — 200d above 50d
Institutional flow
Accumulating
+9% holders QoQ · +7 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.68% of float · ▲ +181.8% MoM · 1.0 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
25 holders — mid 3-yr range
Squeeze score
64
elevated · 0–100
Fundamentals
Revenue growth
−50%
Y/Y
EPS growth
+95%
Y/Y
Free cash flow
$-3.6M
Balance sheet
$50.8M
net debt
Quant / Vol
risk profile
Volatility
132%
annualized · 1-yr
Max drawdown
−100%
past year
ATR
178.5%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Oct 6, 2026
Incremental annualized investment income
· annualized
$150,000
Guided vs delivered
· last 1 settled
Revenue
full year 2023
guided $16M – $16.5M
$17.56M
Beat +8.1%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−99%
Bearish
Price vs 50-day avg
−94%
Bearish
RSI (14)
16
Neutral
MACD trend
Negative
Bearish
52-week position
0%
Bearish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $2 › 200d $6 — 200d above 50d
Institutional flow
Accumulating
+9% holders QoQ · +7 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.68% of float · ▲ +181.8% MoM · 1.0 days cover
Volume signal
Reversal watch
High volume on a down day — possible exhaustion
Institution breadth
Steady
25 holders — mid 3-yr range
Price context
position in its 52-week range
Range low $0
Now $0 · 0%
Range high $43
vs 200-day avg -99%
vs 50-day avg -94%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Trailing 14-day average client deposits | $119.3M | as of September 30, 2026 | — |
| Average account balance | $141,532 | Q2 2026 | — |
| Average active accounts | 766 | Q2 2026 | — |
| Average deposit balance | $108,413,858 | Q2 2026 | — |
| Average monthly account fees | $229,360 | Q2 2026 | — |
| Average monthly fees per account | $299 | Q2 2026 | — |
| Trailing 14-day average account balance | $108,933,064 | Q2 2026 | — |
| Average fees collected per account | $299 | the three months ended June 30, 2026 filing | — |
| Average investable deposit base | 45.8M | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SHFS
this stock
SHF Holdings, Inc.
|
$96,608 | — | -49.7% | — | 3.7% |
|
MFG
Mizuho Financial Group Inc
|
$121.57B | +34.3% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.62B | -36.9% | -3.2% | — | 0.7% |
|
IBN
Icici Bank Ltd
|
$105.82B | +0.3% | — | — | 0.6% |
|
ITUB
Itau Unibanco Holding S.A.
|
$103.94B | +35.5% | — | — | 0.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SHFS | -66.9% | -95.8% | -99.1% | -93.9% | -99.3% |
| SPY | -1.2% | -0.6% | +8.1% | +0.8% | +12.8% |
| vs SPY | -65.8% | -95.2% | -107.2% | -94.7% | -112.1% |