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    SHFS

    SHF Holdings, Inc.

    Company overview

    Market capitalization
    $1.35M
    Employees
    39
    Latest publication
    2026-09-29
    About SHF Holdings, Inc.

    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 website

    Financial statements

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Revenue1,975,439USD6,110,461USD1,176,353USD1,942,532USD3,209,434USD3,670,517USD3,828,091USD5,335,356USD
    Cost Of Revenue1,145,809USD—252,640USD115,341USD112,786USD—169,165USD71,582USD
    Gross Profit829,630USD—923,713USD1,827,191USD3,096,648USD—3,658,926USD5,263,774USD
    Selling General Administrative1,068,400USD2,656,309USD2,608,704USD2,104,039USD2,424,313USD2,560,494USD2,834,820USD3,330,893USD
    Unclassified Operating Expenses1,524,586USD—-1,864,499USD—————
    Total Operating Expenses2,592,986USD—744,205USD2,816,376USD3,923,847USD—3,298,272USD3,834,620USD
    Operating Income-1,763,356USD—179,508USD-989,185USD-827,199USD—360,654USD1,429,154USD
    Interest Income840,672USD871,135USD510,754USD555,971USD540,222USD1,811,227USD1,341,501USD1,836,092USD
    Interest Expense4,580USD11,876USD252,640USD115,341USD112,786USD48,672USD161,716USD168,830USD
    Net Interest Income836,092USD859,259USD258,114USD440,630USD427,436USD1,762,555USD1,179,785USD1,667,262USD
    Income Before Tax-1,779,217USD-582,592USD179,508USD-989,185USD-827,199USD-7,860,388USD360,654USD1,429,154USD
    Income Tax Expense-116,940USD——-58,470USD43,804,107USD—6,837USD487,627USD
    Net Income-1,779,217USD-582,592USD179,508USD-930,715USD-827,199USD-51,664,495USD353,817USD941,527USD
    Net Income From Continuing Ops-1,779,217USD-582,592USD179,508USD-930,715USD-313,627USD-51,664,495USD353,817USD941,527USD
    Ebit-1,219,427USD—179,508USD-989,185USD-827,199USD—360,654USD1,429,154USD
    Ebitda-1,763,356USD—180,145USD-988,108USD-825,758USD—521,511USD1,623,944USD
    Depreciation And Amortization129,071USD—637USD1,077USD1,441USD—160,857USD194,790USD
    Reconciled Depreciation0USD0USD637USD1,077USD1,441USD160,573USD160,857USD185,238USD
    Total Other Income Expense Net-15,861USD—1,396,754USD—1,164,296USD—183,745USD1,128,991USD
    Tax Provision—0USD0USD-58,470USD0USD43,804,107USD6,837USD487,627USD
    Research Development————152,628USD———
    Selling And Marketing Expenses————2,092,316USD———
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USD
    Total Revenue7,673,532USD18,407,647USD20,279,140USD-31,999,113USD7,005,579USD8,038,138USD
    Cost Of Revenue3,328,222USD-859,741USD1,385,593USD1,211,416USD1,399USD15,853USD
    Gross Profit4,345,310USD19,267,388USD18,893,547USD-33,210,529USD7,004,180USD8,022,285USD
    Selling General Administrative3,294,275USD12,059,902USD17,237,218USD9,185,104USD2,776,617USD1,942,766USD
    Unclassified Operating Expenses6,450,245USD11,667,275USD9,155,430USD1,484,048USD——
    Total Operating Expenses9,744,520USD23,727,177USD38,003,095USD11,170,447USD3,717,293USD2,906,979USD
    Operating Income-5,399,210USD-4,459,789USD-19,109,548USD-44,380,976USD3,286,887USD5,115,306USD
    Interest Income2,478,082USD6,625,576USD2,445,385USD1,130,178USD102,961USD25,280USD
    Interest Expense492,643USD533,390USD1,094,736USD705,204USD0USD2,511USD
    Net Interest Income1,985,439USD6,092,186USD133,811USD327,381USD102,961USD22,769USD
    Income Before Tax-2,219,468USD-4,459,789USD-19,109,548USD-44,380,976USD3,286,887USD5,115,306USD
    Income Tax Expense-58,470USD43,859,686USD-1,829,701USD-9,252,893USD-3USD-200,438USD
    Tax Provision-58,470USD43,859,686USD-10,452,376USD-9,252,893USD0USD—
    Net Income-2,160,998USD-48,319,475USD-17,279,847USD-35,128,083USD3,286,887USD5,115,306USD
    Net Income From Continuing Ops-2,160,998USD-48,319,475USD-56,788,343USD-35,128,083USD3,286,887USD5,115,306USD
    Ebit-5,402,365USD-4,459,789USD-19,109,548USD-44,380,976USD3,286,887USD5,115,306USD
    Ebitda-5,399,210USD-3,747,860USD-17,735,841USD-44,191,702USD3,288,808USD5,121,165USD
    Depreciation And Amortization3,155USD711,929USD1,373,707USD189,274USD1,921USD5,859USD
    Reconciled Depreciation3,155USD711,929USD1,272,233USD189,274USD1,921USD5,859USD
    Total Other Income Expense Net3,179,742USD2,631,697USD1,602,771USD-894,478USD-3USD-8,370USD
    Research Development——960,620USD120,626USD—127,311USD
    Selling And Marketing Expenses——10,649,827USD380,669USD74,282USD9,120USD
    Net Income Applicable To Common Shares———-35,128,083USD3,286,887USD5,115,306USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Total Assets15,687,691USD17,207,024USD13,664,414USD5,955,577USD6,655,102USD13,218,287USD66,873,071USD67,348,514USD
    Other Current Assets3,787,189USD—3,610,589USD754,491USD921,031USD—-3,622,513USD884,704USD
    Total Liab8,962,410USD8,971,116USD6,667,803USD23,814,748USD23,604,509USD25,506,301USD27,520,611USD28,887,533USD
    Total Stockholder Equity6,725,281USD8,235,908USD6,996,611USD-17,859,171USD-16,949,407USD-12,288,014USD39,352,460USD38,460,981USD
    Other Current Liab5,614,051USD—4,179,094USD820,568USD765,476USD—788,052USD949,686USD
    Common Stock451USD—291USD282USD278USD—5,569USD5,545USD
    Capital Stock454USD431USD294USD282USD278USD278USD5,569USD5,545USD
    Retained Earnings-124,695,760USD-122,916,543USD-122,333,951USD-122,513,459USD-121,069,172USD-120,755,545USD-69,091,050USD-69,444,867USD
    Cash5,897,470USD6,779,040USD861,722USD247,318USD951,201USD2,324,647USD5,861,475USD6,111,982USD
    Cash And Short Term Investments7,322,453USD—861,722USD247,318USD951,201USD—5,861,475USD6,111,982USD
    Total Current Assets12,381,092USD—11,096,887USD1,637,704USD2,600,005USD—8,043,184USD12,910,157USD
    Total Current Liabilities6,850,871USD—5,330,713USD5,015,856USD4,543,241USD—7,317,338USD7,453,134USD
    Current Deferred Revenue15,518USD—25,212USD3,228,511USD3,186,448USD—3,032,098USD3,019,517USD
    Net Debt-5,230,797USD—-108,291USD11,295,583USD10,632,065USD8,679,526USD6,820,363USD7,340,994USD
    Short Term Debt185,899USD—180,009USD174,319USD165,842USD—3,265,314USD3,226,228USD
    Short Long Term Debt Total666,673USD—753,431USD11,542,901USD11,583,266USD—12,681,838USD13,472,078USD
    Long Term Investments1,424,983USD1,450,000USD1,500,000USD—————
    Short Term Investments1,424,983USD———-19,568USD———
    Net Receivables1,271,450USD1,040,859USD6,624,576USD635,895USD727,773USD1,118,951USD5,804,222USD5,913,471USD
    Accounts Payable1,035,403USD361,193USD946,398USD792,458USD425,475USD216,331USD231,874USD257,703USD
    Property Plant Equipment Net508,101USD547,186USD586,271USD625,355USD666,153USD703,524USD747,760USD789,123USD
    Property Plant Equipment Gross508,101USD547,186USD586,271USD625,355USD1,048,668USD703,524USD1,126,837USD1,165,921USD
    Common Stock Shares Outstanding4,353,099shares4,281,523shares2,907,219shares2,826,468shares2,786,538shares2,783,667shares2,827,514shares2,824,273shares
    Non Current Assets Total3,306,599USD—2,567,527USD4,317,873USD4,055,097USD—58,829,887USD54,438,357USD
    Non Current Liabilities Total2,111,539USD—1,337,090USD18,798,892USD19,061,268USD—20,203,273USD21,357,084USD
    Non Currrent Assets Other346,153USD—481,256USD3,306,876USD3,000,000USD—843,762USD5,467,632USD
    Unclassified Non Current Assets1,027,362USD—————47,930,906USD38,715,566USD
    Unclassified Non Current Liabilities2,111,539USD—1,337,090USD8,050,484USD8,312,860USD—11,540,549USD11,906,296USD
    Unclassified Equity131,420,136USD131,152,020USD129,329,977USD104,653,724USD104,119,209USD108,467,253USD108,432,372USD107,894,758USD
    Short Long Term Debt—0USD0USD0USD0USD255,765USD3,105,906USD3,072,871USD
    Long Term Debt———10,748,408USD10,748,408USD10,748,408USD8,662,724USD9,450,788USD
    Other Assets————968,023USD———
    Good Will—————0USD6,058,000USD6,058,000USD
    Intangible Assets——————3,249,459USD3,408,036USD
    Inventory——————-6,056,330USD—
    Unclassified Current Assets——————-3,622,513USD—
    Unclassified Current Liabilities——————-3,105,906USD-3,072,871USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USD
    Total Assets17,207,024USD13,218,287USD67,860,909USD99,451,937USD7,520,606USD4,574,971USD
    Other Current Assets3,862,400USD1,072,036USD1,108,937USD326,402USD6,021USD2,553USD
    Total Liab8,971,116USD25,506,301USD33,505,598USD94,338,812USD181,505USD220,950USD
    Total Stockholder Equity8,235,908USD-12,288,014USD34,355,311USD5,113,125USD7,339,101USD4,354,021USD
    Other Current Liab5,941,153USD1,301,378USD1,008,987USD20,922,566USD129,546USD91,804USD
    Common Stock428USD278USD273USD2,374USD7,339,101USD4,354,021USD
    Capital Stock431USD278USD5,458USD2,375USD0USD—
    Retained Earnings-122,916,543USD-120,755,545USD-71,569,821USD-39,695,281USD-6,781,746USD—
    Cash6,779,040USD2,344,215USD4,907,420USD8,390,195USD5,495,905USD3,001,363USD
    Cash And Short Term Investments6,779,040USD2,344,215USD4,907,420USD8,390,195USD5,495,905USD3,001,363USD
    Total Current Assets12,198,582USD4,535,202USD12,831,553USD10,231,172USD6,044,674USD3,249,221USD
    Total Current Liabilities6,499,724USD5,302,104USD7,854,945USD49,571,192USD181,505USD220,950USD
    Current Deferred Revenue15,415USD3,366,678USD2,911,714USD996USD8,333USD20,620USD
    Net Debt-6,068,525USD9,534,792USD10,111,739USD50,196,384USD-5,495,905USD-3,001,363USD
    Short Term Debt181,963USD417,717USD3,139,537USD25,993,141USD——
    Short Long Term Debt0USD255,765USD3,006,991USD0USD——
    Short Long Term Debt Total710,515USD11,879,007USD15,019,159USD58,586,579USD——
    Long Term Investments1,450,000USD—————
    Net Receivables1,557,142USD1,118,951USD6,815,196USD1,514,575USD548,769USD247,858USD
    Accounts Payable361,193USD216,331USD794,707USD2,654,489USD43,626USD108,526USD
    Property Plant Equipment Net547,186USD706,678USD944,081USD1,065,812USD6,351USD2,352USD
    Property Plant Equipment Gross547,186USD1,087,752USD1,244,089USD1,191,992USD35,150USD29,230USD
    Common Stock Shares Outstanding2,921,648shares2,772,867shares2,128,728shares949,427shares935,795shares935,795shares
    Non Current Assets Total5,008,442USD8,683,085USD55,029,356USD89,220,765USD1,469,911USD1,323,197USD
    Non Current Liabilities Total2,471,392USD20,204,197USD25,650,653USD44,767,620USD51,959USD129,146USD
    Non Currrent Assets Other429,839USD3,000,000USD82,657USD730,295USD-1,410,727USD-2,352USD
    Unclassified Non Current Assets2,581,417USD4,976,407USD44,222,873USD———
    Unclassified Non Current Liabilities2,471,392USD9,455,789USD14,646,478USD9,093,280USD——
    Unclassified Equity131,151,592USD108,466,975USD105,919,401USD44,803,657USD——
    Good Will—0USD6,058,000USD19,266,276USD0USD—
    Other Assets—-13,218,273,781,713USD-2,789,803USD56,907,818USD1,469,581USD1,323,398USD
    Long Term Debt—10,748,408USD11,004,175USD———
    Short Term Investments—2,324,644,655,785USD—-17,795USD——
    Inventory—-1,072,036USD-2,872,460USD-4,584,221USD-6,021USD—
    Unclassified Current Assets—-2,324,644,655,785USD————
    Intangible Assets——3,721,745USD10,621,087USD——
    Accumulated Other Comprehensive Income——0USD0USD7,339,101USD—
    Unclassified Current Liabilities——-3,006,991USD———
    Other Liab———35,674,340USD——
    Net Tangible Assets———-24,774,239USD7,339,101USD4,354,021USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ2 20242024-06-30 · USDQ1 20242024-03-31 · USD
    Net Income-1,779,217USD-582,592USD179,508USD-930,715USD-313,627USD-51,664,495USD941,527USD2,049,676USD
    Depreciation129,072USD0USD637USD1,077USD1,441USD160,573USD194,790USD195,709USD
    Stock Based Compensation58,908USD143,609USD596,118USD33,735USD236,455USD73,823USD552,137USD562,330USD
    Other Non Cash Items-257,302USD261,651USD-1,502,709USD-149,370USD-1,227,082USD-96,751USD-1,001,746USD-1,536,779USD
    Change To Account Receivables285,692USD-329,483USD-75,481USD91,878USD391,178USD101,050USD-47,760USD949,486USD
    Change In Working Capital769,882USD14,972USD188,409USD370,665USD162,083USD-3,089,744USD57,968USD643,072USD
    Total Cash From Operating Activities-1,078,657USD-1,064,325USD-538,037USD-674,608USD-1,140,730USD-2,776,592USD1,229,514USD1,475,123USD
    Capital Expenditures-3USD0USD-3USD0USD-4USD0USD-4USD-3USD
    Free Cash Flow-1,078,657USD-1,064,325USD-538,040USD-674,608USD-1,140,730USD-2,776,592USD1,229,514USD1,475,123USD
    Investments25,017USD—385,641USD3,300USD3,245USD4,221USD3,069USD3,014USD
    Total Cashflows From Investing Activities25,017USD—385,641USD3,300USD3,245USD—3,069USD3,014USD
    Net Borrowings0USD0USD550,000USD0USD-255,765USD-764,457USD——
    Total Cash From Financing Activities172,070USD6,931,643USD766,800USD-12,771USD-255,765USD-764,457USD-746,963USD-740,544USD
    Sale Purchase Of Stock-12,771USD——-12,771USD————
    Issuance Of Capital Stock172,070USD7,692,187USD——0USD———
    Change In Cash-881,570USD5,917,318USD614,404USD-684,079USD-1,393,250USD-3,536,828USD485,620USD737,593USD
    Begin Period Cash Flow6,779,040USD861,722USD247,318USD931,397USD2,324,647USD5,861,475USD5,626,362USD4,888,769USD
    End Period Cash Flow5,897,470USD6,779,040USD861,722USD247,318USD931,397USD2,324,647USD6,111,982USD5,626,362USD
    Other Cashflows From Investing Activities25,017USD—385,641USD3,300USD3,245USD—3,069USD3,014USD
    Other Cashflows From Financing Activities-116,098USD—-7,101,568,301,000USD-12,771USD-3,006,993USD—3,069USD-488,834USD
    Unclassified Financing Cash Flow——7,101,568,517,800USD—3,006,993USD———
    Unclassified Operating Cash Flow—————51,840,002USD——
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USD
    Net Income-2,402,433USD-48,319,475USD-17,279,847USD-35,128,083USD3,286,887USD5,115,306USD
    Depreciation132,227USD711,929USD1,373,707USD189,274USD1,921USD5,859USD
    Stock Based Compensation1,523,489USD1,575,952USD3,739,156USD2,806,336USD0USD—
    Other Non Cash Items-3,407,112USD4,650,569USD17,235,859USD42,689,348USD1,399USD13,342USD
    Change To Account Receivables78,092USD1,112,021USD-767,700USD690,296USD-300,911USD24,544USD
    Change In Working Capital736,129USD-2,048,184USD-4,071,318USD393,398USD-343,824USD-184,304USD
    Total Cash From Operating Activities-3,417,700USD430,477USD-832,144USD1,697,380USD2,946,383USD4,950,203USD
    Capital Expenditures0USD-3USD-208,434USD-17,318USD-5,920USD-981USD
    Free Cash Flow-3,417,700USD430,477USD-1,040,578USD1,680,062USD2,940,463USD4,949,222USD
    Investments50,000USD12,394USD-1,630,419USD-2,897,429USD1,035,657USD5,832USD
    Total Cashflows From Investing Activities442,186USD12,394USD-2,180,448USD-2,897,429USD1,035,657USD5,832USD
    Net Borrowings294,235USD-3,006,993USD-488,834USD0USD0USD-192,832USD
    Total Cash From Financing Activities7,429,907USD-3,006,993USD-488,834USD4,094,339USD-1,487,498USD-3,574,098USD
    Sale Purchase Of Stock-292,800USD0USD————
    Issuance Of Capital Stock7,908,987USD0USD————
    Change In Cash4,454,393USD-2,564,122USD-3,501,426USD2,894,290USD2,494,542USD1,381,937USD
    Begin Period Cash Flow2,324,647USD4,888,769USD8,390,195USD5,495,905USD3,001,363USD1,619,426USD
    End Period Cash Flow6,779,040USD2,324,647USD4,888,769USD8,390,195USD5,495,905USD3,001,363USD
    Other Cashflows From Investing Activities392,186USD12,394USD1,027,986USD161,569USD1,041,577USD6,813USD
    Other Cashflows From Financing Activities-128,869USD-3,006,993USD-2,180,448USD4,094,339USD-1,487,498USD-3,381,266USD
    Unclassified Financing Cash Flow7,557,341USD3,006,993USD2,180,448USD—1,487,498USD3,381,266USD
    Unclassified Operating Cash Flow—43,859,686USD-1,829,701USD-9,252,893USD——
    Unclassified Investing Cash Flow——-1,369,581USD—-1,035,657USD—
    Change To Liabilities———501,207USD-77,187USD-54,799USD
    Dividends Paid————-1,487,498USD-3,381,266USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    No operating metrics are currently published for this company.

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q1 2026Quarterly · 2026-03-31ProductAccount Fee Income868,629USD0001493152-26-023748
    Q1 2026Quarterly · 2026-03-31ProductInvestments Income246,908USD0001493152-26-023748
    Q1 2026Quarterly · 2026-03-31ProductLoan Program Income840,672USD0001493152-26-023748
    Q1 2026Quarterly · 2026-03-31ProductSafe Harbor Program Income19,230USD0001493152-26-023748
    Q1 2025Quarterly · 2025-03-31ProductAccount Fee Income1,072,465USD0001493152-26-023748
    Q1 2025Quarterly · 2025-03-31ProductInvestments Income300,435USD0001493152-26-023748
    Q1 2025Quarterly · 2025-03-31ProductLoan Program Income540,222USD0001493152-26-023748
    Q1 2025Quarterly · 2025-03-31ProductSafe Harbor Program Income19,230USD0001493152-26-023748
    FY 2023Yearly · 2023-12-31ProductAccount Servicing Agreement3,075,458USD0001641172-25-003608
    FY 2023Yearly · 2023-12-31ProductCommercial Alliance Agreement10,761,245USD0001641172-25-003608

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.