SHF Holdings, Inc. — Form 8-K
Filed August 10, 2026 · analyzed by the 8-K Agent
8-K
— Neutral
significance 45/100
What the filing says
SHF Holdings reported Q2 2026 revenue of $1.9M (+4.8% YoY), driven by loan program income of $0.8M (+50.7% YoY) from improved Partner Colorado Credit Union agreement (65% share vs. 35% prior). Average deposit balances grew to $108.4M (+6.8% YoY, +$7.0M). Company expanded board (Tyler Klimas, Sean Tonner appointed April 2026; Sundie Seefried resigned April 2026), launched pooled 401(k) retirement plan (6 clients onboarded since April), and introduced Infrastructure-as-a-Service model. Net loss widened to $(1.5)M Q2 2026 vs. $(0.9)M Q2 2025; cash decreased to $5.7M from $6.8M at year-end 2025; stockholders' equity declined to $6.1M from $8.2M. Series B conversions (3,198 shares converted to 4,920,008 common shares) simplified capital structure.
Why this rating
Modest revenue growth and positive deposit momentum offset by widening losses, cash burn, and equity erosion. At $3.1M market cap, $1.9M quarterly revenue is material but company is unprofitable and cash-strapped. Regulatory optimism aids long-term positioning but near-term fundamentals remain challenged.
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