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SHF HoldingsSHFS -0.98%40 Equity-to-Asset is 0.43 as of Jun. 2026, which is 10% below its 10-year median of 0.48. 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 1,526 Banks companies, SHF Holdings ranks better than 98.1% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. SHF Holdings's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $6.10 Mil. SHF Holdings's Total Assets for the quarter that ended in Jun. 2026 was $14.15 Mil.
Therefore, SHF Holdings's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.43.
The historical rank and industry rank for SHF Holdings's Equity-to-Asset or its related term are showing as below:
SHFS'
s Equity-to-Asset Range Over the Past 10 Years
Min: -3 Med: 0.48 Max: 0.98
Current: 0.43
During the past 6 years, the highest Equity to Asset Ratio of SHF Holdings was 0.98. The lowest was -3.00. And the median was 0.48.
SHFS's Equity-to-Asset is ranked better than 98.1% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs SHFS: 0.43
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
SHF Holdings Equity-to-Asset Related Terms
SHF Holdings Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for SHF Holdings's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SHFS vs ABBB, PNC, USB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, SHF Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where SHF Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
SHF Holdings's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SHF Holdings (SHFS) has a Equity-to-Asset of 0.43 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SHF Holdings and its competitors. This is 10% below median its historical median of 0.48. According to the industry distribution chart, SHF Holdings ranks #29 out of 1526 companies in the Banks industry, placing it in the top 1.9%.
Is SHF Holdings' Equity-to-Asset too high?
SHF Holdings' current Equity-to-Asset of 0.43 is 10% below median its 10-year median of 0.48. The Banks industry median Equity-to-Asset is 0.10. SHF Holdings' value of 0.43 is 330% above this industry median. Based on the distribution chart, SHF Holdings ranks #29 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position 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' Equity-to-Asset compare to ABBB and PNC?
According to the Banks industry distribution chart, SHF Holdings ranks #29 out of 1526 companies for Equity-to-Asset. This places SHF Holdings in the top 2% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. SHF Holdings' value of 0.43 is 330% above this benchmark. While the company's 10-year median is 0.48 vs. the industry median of 0.10, SHF Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SHF Holdings's current Equity-to-Asset of 0.43 is 330% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on SHF Holdings and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current Equity-to-Asset is 0.43, which is 10% below median its own 10-year median of 0.48. 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 Equity-to-Asset is 0.43, which is 10% below median its 10-year median of 0.48 and 330% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For SHF Holdings (SHFS), the current Equity-to-Asset is 0.43 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:
Equity-to-Asset: 0.43 (10% below median its 10-year median of 0.48)
GF Value™: $2.16 vs. price of $0.17 (92.2% below fair value)
Industry Position: 330% above the Banks median (#29 of 1526)
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.
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