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SHFSSHFSFinancial Services · Banks - Regional

SHFS Stock Forecast: SHF Holdings, Inc. Price Predictions for 2026-2027

Last close, 29 Oct 2026
$0.08
−17.02% on the day

Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 16 of 100 as at 28 Oct 2026 — in the weakest quartile.

Market cap
$2.3M
Ticker Nerd rank
16/ 100
Median analyst target
—
Analysts covering
0
Revenue$1.6M−12.7% y/y
Net income−$1.5M
Free cash flow−$1.8M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
−77.3%
1M
−94.5%
YTD
−99.4%
1Y
−99.8%
From 52W high
−99.8%
From 52W low
0.0%
$0
$33
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

SHFS stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores SHF Holdings, Inc. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 28 Oct 2026
16/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Size
98
Issuance
60
Growth
53
Value
39
Revisions
25
Momentum
19
Accruals
10
Quality
2
Volatility
1

Size (98): Smaller than most of the companies we track.

Volatility (1): The share price moves around a lot.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

SHFS stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on SHFS, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$0$10$20$30Jan 26Apr 26Jul 26Oct 26SHFS

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

Recent analyst actionsNewest first
DateFirmActionRatingTarget
16 May 2023EF HuttonReiteratesBuy$1.50
31 Mar 2023EF HuttonReiteratesBuy—
26 Oct 2022EF HuttonInitiatesBuy—

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

SHFS appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

SHFS vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 29 Oct 2026, SHF Holdings, Inc. returned −99.8% against +13.6% for the S&P 500, dividends included.

SHFS vs S&P 500, last 12 monthsTotal return, rebased to 100
020406080100120Jan 26Apr 26Jul 26Oct 26SHFSS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

SHFS analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Fundamentals

SHF Holdings, Inc. (SHFS) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
0.9×

Cheaper than 71% of US stocks

Price / sales
0.3×

Cheaper than 88% of US stocks

Price / book
0.0×

Cheaper than 91% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
34.0%

Higher than 80% of US stocks

Earnings growth (YoY)
−12.7%

Higher than 25% of US stocks

Gross margin
—
Operating margin
−44.4%

Higher than 18% of US stocks

Net margin
−43.9%

Higher than 11% of US stocks

Returns & dividend
Return on equity
−29.2%

Higher than 27% of US stocks

Return on assets
−36.8%

Higher than 11% of US stocks

Dividend yield
0.0%

Higher than 1% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

SHF Holdings, Inc. (SHFS) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • SHF Holdings, Inc. has a market value of $2.3M and an enterprise value of −$5.0M.

  • Revenue in the twelve months to 30 June 2026: $10.6M. The latest quarter grew 34.0% year on year.

  • Net income over the same four quarters: −$3.7M, a −34.8% net margin.

  • Free cash flow in the twelve months to 30 June 2026: −$4.4M.

  • Shares outstanding: 12.3M.

  • Trailing P/E: 0.9×.

  • Forward dividend yield: 0.00%, paying out 0% of earnings.

  • SHF Holdings, Inc. employs 39 people — $272K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 29 Oct 2026

Data provided by Twelve Data

Peers

SHFS vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
SHFSSHF Holdings, Inc.$2.3M16
MBBCMarathon Bancorp, Inc.$42.7M41
KFFBKentucky First Federal Bancorp$43.8M60
TCBSTexas Community Bancshares, Inc.$49.3M62
IPSTIP Strategy Holdings, Inc.*$2.6M39
ZBAOZhibao Technology, Inc.*$2.9M10
PWCMPowerCompute, Inc.*$1.7M21

* Nearest Financial Services names by size — few banks - regional companies of this scale trade in the US universe.

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own SHF Holdings, Inc. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest SHFS news & analysis

Safe Harbor Financial Signs Non-Binding Term Sheet to Combine with Opifex Media, Creating a Nasdaq-Listed Diversified Holding Company

GlobeNewsWire · 26 Oct 2026neutral

Safe Harbor Financial signed a non-binding term sheet to combine with Opifex Media. The proposed company would bring Opifex’s creator-economy platform and Safe Harbor’s cannabis financial services business under one parent.

Why it matters — The proposed combination could change SHFS’s corporate structure and place its business alongside Opifex’s platform.

Safe Harbor Financial Receives Additional 180-Day Compliance Period from Nasdaq to Regain Compliance with Minimum Bid Price Requirement

GlobeNewsWire · 20 Oct 2026neutral

Safe Harbor Financial received an additional 180-day compliance period from Nasdaq to regain compliance with the minimum bid price requirement. The company remains listed on the Nasdaq Capital Market under the symbol SHFS.

Why it matters — SHFS watchers may note the extended period to regain compliance and the company's continued Nasdaq listing.

Safe Harbor Announces Preliminary Third Quarter 2026 Deposit Results

GlobeNewsWire · 6 Oct 2026positive

Safe Harbor reported preliminary third-quarter trailing 14-day average deposits of approximately $119.3 million as of September 30, 2026, up 7.4% year over year and about 25% above the May 2025 low. The company also said a recent Federal Reserve rate increase is expected to add approximately $150,000 in annual investment income.

Why it matters — The preliminary deposit figures and expected investment-income impact offer SHFS watchers an early view of deposit trends ahead of the company's third-quarter earnings release.

Safe Harbor Financial Announces the Implementation of a Reverse Stock Split

GlobeNewsWire · 28 Sept 2026neutral

SHF Holdings, Inc. (d/b/a Safe Harbor Financial) announced that its Board of Directors approved a 1-for-12 reverse stock split of the Company's common stock, which has a par value of $0.0001 per share. The announcement was made on September 28, 2026.

Why it matters — SHFS watchers would care because the reverse stock split will change the number of outstanding shares and the per-share trading price of the Company's common stock.

Safe Harbor Institutional Named Top Business Solutions Company at 2026 PBC Cannabis Banking Conference

GlobeNewsWire · 16 Sept 2026positive

Safe Harbor Institutional was named Top Business Solutions Company at the 2026 PBC Cannabis Banking Conference. The recognition highlights the company's expertise in helping banks and credit unions build, strengthen, and scale cannabis banking programs.

Why it matters — The award underscores Safe Harbor's recognized leadership and credibility in the cannabis banking sector, which reflects positively on SHF Holdings' standing and brand within its core market.

FAQ

Frequently asked questions about SHFS stock

How does Ticker Nerd's model rank SHFS?

As at 28 Oct 2026, SHF Holdings, Inc. ranks 16 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Size (98 of 100).

What is the SHFS stock forecast for 2030?

No analyst covering SHF Holdings, Inc. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for SHFS are extrapolating price history, which says nothing about the business.

How has SHFS stock performed over the past year?

SHF Holdings, Inc. returned -99.8% over the 12 months to 29 Oct 2026, with dividends reinvested. Past performance does not indicate future returns.

What does SHF Holdings, Inc. do?

SHF Holdings, Inc. Class A Common Stock represents an ownership interest in SHF Holdings, Inc., a financial services company focused on serving the cannabis industry.

What is the latest news on SHFS?

The most recent item we track (GlobeNewsWire, 26 Oct 2026): "Safe Harbor Financial Signs Non-Binding Term Sheet to Combine with Opifex Media, Creating a Nasdaq-Listed Diversified Holding Company". Safe Harbor Financial signed a non-binding term sheet to combine with Opifex Media. The proposed company would bring Opifex’s creator-economy platform and Safe Harbor’s cannabis financial services business under one parent.

Company

About SHF Holdings, Inc.

SHF Holdings, Inc. Class A Common Stock represents an ownership interest in SHF Holdings, Inc., a financial services company focused on serving the cannabis industry. Through its subsidiaries and proprietary platform, SHF Holdings provides banking, lending, payments, and cash-management solutions designed for businesses that often face limited access to traditional financial services. Its offerings include business checking and savings accounts, commercial lending, wire and ACH payments, remote deposit services, vaulting and courier services, and compliance support such as know-your-customer and Bank Secrecy Act tools. The company also supports onboarding, verification, servicing, and administration for cannabis-related deposit and loan business. Based in Golden, Colorado, SHF Holdings plays a specialized role in the regulated cannabis financial ecosystem by helping institutions and operators manage day-to-day banking and financing needs within a complex compliance environment.

CEO Mr. Terrance Elliot Mendez · 39 employees · United States · https://shfinancial.org