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SHF HoldingsSHFS -0.98%40 3-Year Book Growth Rate is -23.60% as of Jun. 2026. GuruFocus rates SHFS with a GF Score™ of 40/100 and a GF Value™ of $2.16 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 1,498 Banks companies, SHF Holdings ranks worse than 98.93% on this metric.
During the past 3 years, the average Book Value per Share Growth Rate was -23.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 6 years, the highest 3-Year average Book Value per Share Growth Rate of SHF Holdings was 39.40% per year. The lowest was -23.60% per year. And the median was 7.90% per year.
SHF Holdings (NAS:SHFS) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
SHF Holdings 3-Year Book Growth Rate Related Terms
SHFS vs ABBB, PNC, USB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, SHF Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SHF Holdings 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where SHF Holdings's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of -23.60% mean?
SHF Holdings (SHFS) has a 3-Year Book Growth Rate of -23.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SHF Holdings and its competitors. According to the industry distribution chart, SHF Holdings ranks #1482 out of 1498 companies in the Banks industry, placing it in the top 98.9%.
Is SHF Holdings' 3-Year Book Growth Rate too high?
SHF Holdings' current 3-Year Book Growth Rate is -23.60%. Based on the distribution chart, SHF Holdings ranks #1482 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SHF Holdings has a GF Score™ of 40/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does SHF Holdings' 3-Year Book Growth Rate compare to ABBB and PNC?
According to the Banks industry distribution chart, SHF Holdings ranks #1482 out of 1498 companies for 3-Year Book Growth Rate. This places SHF Holdings in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.75. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.75, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for SHF Holdings and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current 3-Year Book Growth Rate is -23.60%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SHF Holdings stock overvalued right now?
Based on GuruFocus' analysis, SHF Holdings (SHFS) is currently considered Possible Value Trap. The stock's GF Value™ is $2.16, compared to a current price of $0.17 — trading 92.2% below its estimated fair value. The current 3-Year Book Growth Rate is -23.60%. SHF Holdings' overall GF Score™ is 40/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For SHF Holdings (SHFS), the current 3-Year Book Growth Rate is -23.60% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SHF Holdings (SHFS) Overvalued in 2026?
Based on GuruFocus' analysis, SHF Holdings stock appears to be undervalued.
The current stock price of $0.17 is trading 92.2% below its estimated GF Value™ of $2.16.
GuruFocus considers SHF Holdings to be Possible Value Trap.
Key valuation signals for SHFS:
3-Year Book Growth Rate: -23.60%
GF Value™: $2.16 vs. price of $0.17 (92.2% below fair value)
No single metric tells the full story. See the SHFS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SHF Holdings Inc is a financial services provider to cannabis-related businesses. It offers reliable access to banking solutions for cannabis, hemp, CBD, and ancillary operators, making communities safer, driving growth in local economies, and fostering long-term partnerships. The company provides compliance and loan origination services to financial institutions that wish to offer business banking, private banking, and commercial banking services to clients operating in or adjacent to the state-legal cannabis industry. Its core service offerings include: Regulatory compliance consulting and technology, Cannabis-related deposit services and Lending services. The company generates revenue through fee income, investment income, and loan program income.
40GF Score
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