Discover why Zacks rates Safe Harbor as "Neutral", being the first on Wall Street to initiate coverage on the stock. Explore SHFS' improving lending economics and expanding financial services offerings amid ongoing losses and regulatory uncertainty.

SHF Holdings, Inc. (SHFS) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
Negative: The firm's deteriorating financial health is underscored by a negative 23.8% ROE and a precarious liquidity position with cash balances dwindling to $5.9 million.
SHF Holdings, Inc. (SHFS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
SHF Holdings, Inc. (SHFS) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 15, 2026 | $0.43 | $6M |
| Q2 2026 | Apr 15, 2026 | $0.26 | $2M |
| Q4 2025 | Nov 12, 2025 | $0.79 | $2M |
| Q3 2025 | Aug 14, 2025 | $0.33 | $2M |
Recent stock market news and headlines for SHF Holdings, Inc. (SHFS)
Discover why Zacks rates Safe Harbor as "Neutral", being the first on Wall Street to initiate coverage on the stock. Explore SHFS' improving lending economics and expanding financial services offerings amid ongoing losses and regulatory uncertainty.

Key metrics vs top competitors for SHF Holdings, Inc. (SHFS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.24 | $709.88K | -0.30 | -58.31% | -28.16% | -26.24% | — | |
| $312.01 | $6.25B | 50.90 | 60.4% | 55.95% | 16.19% | — | |
| $12.00 | $149.53M | 36.36 | 4.52% | 3.19% | 1.48% | — | |
| $10.34 | $246.61M | 5.81 | 21.09% | 11.67% | 7.73% | — | |
| $15.65 | $1.12B | 9.84 | 5.43% | 29.03% | 4.69% | — | |
| $62.72 | $1.79B | 15.96 | -13.8% | 45.58% | 6.41% | — |
SHF Holdings, Inc. (SHFS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SHF Holdings, Inc. (SHFS) SEC filings — annual & quarterly reports (10-K, 10-Q)
May 18, 2026·SEC
May 11, 2026·SEC
May 6, 2026·SEC
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SHF Holdings, Inc. (SHFS) stock FAQ — growth, dividends, profitability & financials explained
SHF Holdings, Inc. (SHFS) saw revenue decline by 58.3% over the past year.
SHF Holdings, Inc. (SHFS) reported a net loss of $3.1M for fiscal year 2025.
SHF Holdings, Inc. (SHFS) has a return on equity (ROE) of -26.2%. Negative ROE indicates the company is unprofitable.
SHF Holdings, Inc. (SHFS) has a net interest margin (NIM) of 11.5%. This indicates healthy earnings from lending activities.
SHF Holdings, Inc. (SHFS) has an efficiency ratio of 127.0%. This is higher than peers, suggesting room for cost optimization.