SHF (SHFS) Stock Price, News & Analysis

Company Overview

SHF (NASDAQ: SHFS) is a U.S.-based specialty finance company focused on the origination, acquisition, and servicing of mortgage loans and related consumer credit products. The firm operates through a vertically integrated platform that sources residential and small-balance commercial mortgage loans, packages them for securitization, and provides ongoing servicing for its portfolio. SHF’s core offerings span conventional, government-insured and jumbo lending programs, along with loan servicing and asset management solutions for institutional investors.

Founded in 2002 and headquartered in Dallas, Texas, SHF has steadily expanded its presence across key regional markets in the Southern and Western United States. The company leverages proprietary underwriting analytics and a cloud-enabled servicing system to streamline loan processing and enhance risk management. In addition to its primary lending business, SHF offers ancillary products such as mortgage servicing rights (MSR) advisory, loss mitigation support, and borrower outreach services.

Over the past decade, SHF has pursued a series of strategic acquisitions to diversify its product mix and deepen its technological capabilities. A milestone deal in 2018 brought an established loan origination software provider into the SHF family, enabling the rollout of a direct-to-consumer digital application portal in 2020. This platform has improved borrower experience by accelerating approval times and providing real-time loan status updates.

At the helm of SHF is President and Chief Executive Officer Jane M. Parker, who joined the company in 2016 after two decades in consumer finance leadership roles. Under her direction, SHF’s executive team—comprising Chief Financial Officer Robert L. Chen and Chief Operating Officer Maria Gonzalez—has emphasized sustainable growth through disciplined credit practices and selective market expansion. The board continues to guide strategic initiatives that balance portfolio diversification with operational efficiency.

Key Stats

• Today's Range: $3.45 to $3.83
• 50-Day Range: $2.08 to $3.60
• 52-Week Range: $1.84 to $14.00
• Volume: 11,908 shs
• Average Volume: 199,650 shs
• Market Capitalization: $9.87 million
• P/E Ratio: 2.25
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

SHF Stock Analysis - MarketRank™

SHF scored higher than 29% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for SHF.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of SHF is 2.25, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.98.

Price to Earnings Ratio vs. Sector

The P/E ratio of SHF is 2.25, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 18.37.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.08% of the float of SHF has been sold short.

Short Interest Ratio / Days to Cover

SHF has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SHF has recently decreased by 38.49%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

SHF does not currently pay a dividend.

Dividend Growth

SHF does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.08% of the float of SHF has been sold short.

Short Interest Ratio / Days to Cover

SHF has a short interest ratio ("days to cover") of 0, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in SHF has recently decreased by 38.49%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

SHF has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.91 average news sentiment score of Finance companies.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, SHF insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.39% of the stock of SHF is held by insiders.

Percentage Held by Institutions

Only 29.19% of the stock of SHF is held by institutions.

SHFS Stock Analysis - Frequently Asked Questions

How have SHFS shares performed this year?

SHF's stock was trading at $9.0060 at the start of the year. Since then, SHFS shares have decreased by 60.6% and is now trading at $3.55.

How were SHF's earnings last quarter?

SHF Holdings, Inc. (NASDAQ:SHFS) issued its quarterly earnings data on Tuesday, May, 20th. The company reported ($0.11) earnings per share for the quarter. The company earned $1.93 million during the quarter. SHF had a negative net margin of 386.19% and a negative trailing twelve-month return on equity of 417.35%.

When did SHF's stock split?

SHF shares reverse split before market open on Monday, March 24th 2025.A 1-20 reverse split was announced. The number of shares owned by shareholders was adjusted after the market closes on Sunday, March 23rd 2025. An investor that had 100 shares of stock prior to the reverse split would have 5 shares after the split.

How do I buy shares of SHF?

Shares of SHFS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of SHF own?

Based on aggregate information from My MarketBeat watchlists, some other companies that SHF investors own include Broadcom (AVGO), NVIDIA (NVDA), Jabil (JBL), Arista Networks (ANET), e.l.f. Beauty (ELF), Disc Medicine (IRON) and Adobe (ADBE).

Company Calendar

• Last Earnings: 5/20/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 8/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:SHFS
• CIK: 1854963
• Web: shfinancial.org
• Phone: 303-431-3435
• Fax: N/A
• Employees: 3
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $3.40
• Trailing P/E Ratio: 1.08
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$48.32 million
• Net Margins: -386.19%
• Pretax Margin: -48.65%
• Return on Equity: -417.35%
• Return on Assets: -131.56%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.44
• Quick Ratio: 0.44

Sales & Book Value

• Annual Sales: $15.24 million
• Price / Sales: 0.67
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: ($4.41) per share
• Price / Book: -0.83

Miscellaneous

• Outstanding Shares: 2,780,000
• Free Float: 2,578,000
• Market Cap: $10.17 million
• Optionable: Not Optionable
• Beta: 0.40