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SHF HoldingsSHFS -0.98%40 PB Ratio is 0.34 as of Aug. 16, 2026, which is 61% below its 10-year median of 0.87. 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 1,515 Banks companies, SHF Holdings ranks better than 95.25% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-08-16), SHF Holdings's share price is $0.1685. SHF Holdings's Book Value per Share for the quarter that ended in Jun. 2026 was $0.50. Hence, SHF Holdings's PB Ratio of today is 0.34.
The historical rank and industry rank for SHF Holdings's PB Ratio or its related term are showing as below:
SHFS'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.87 Max: 6.83
Current: 0.34
During the past 6 years, SHF Holdings's highest PB Ratio was 6.83. The lowest was 0.16. And the median was 0.87.
SHFS's PB Ratio is ranked better than 95.25% of 1515
companies
in the Banks industry
Industry Median: 1.12
vs SHFS: 0.34
During the past 3 years, the average Book Value Per Share Growth Rate was -23.60% per year.
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.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
SHF Holdings PB Ratio Related Terms
SHF Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for SHF Holdings's PB Ratio 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.
For the Banks - Regional subindustry, SHF Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where SHF Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
SHF Holdings's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
SHF Holdings (SHFS) has a PB Ratio of 0.34 as of Aug. 16, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SHF Holdings and its competitors. This is 61% below median its historical median of 0.87. Over the past decade, SHF Holdings' PB Ratio has ranged from 0.16 to 6.83. According to the industry distribution chart, SHF Holdings ranks #72 out of 1515 companies in the Banks industry, placing it in the top 4.8%.
Is SHF Holdings' PB Ratio too high?
SHF Holdings' current PB Ratio of 0.34 is 61% below median its 10-year median of 0.87. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 6.83. The Banks industry median PB Ratio is 1.12. SHF Holdings' value of 0.34 is 69.6% below this industry median. Based on the distribution chart, SHF Holdings ranks #72 out of 1515 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' PB Ratio compare to ABBB and PNC?
According to the Banks industry distribution chart, SHF Holdings ranks #72 out of 1515 companies for PB Ratio. This places SHF Holdings in the top 5% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.12. SHF Holdings' value of 0.34 is 69.6% below this benchmark. Historically, SHF Holdings' own PB Ratio has ranged from 0.16 to 6.83 over the past decade. While the company's 10-year median is 0.87 vs. the industry median of 1.12, SHF Holdings has consistently been below 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SHF Holdings's current PB Ratio of 0.34 is 69.6% below 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on SHF Holdings and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current PB Ratio is 0.34, which is 61% below median its own 10-year median of 0.87. 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 PB Ratio is 0.34, which is 61% below median its 10-year median of 0.87 and 69.6% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For SHF Holdings (SHFS), the current PB Ratio is 0.34 as of Aug. 16, 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:
PB Ratio: 0.34 (61% below median its 10-year median of 0.87)
GF Value™: $2.16 vs. price of $0.17 (92.2% below fair value)
Industry Position: 69.6% below the Banks median (#72 of 1515)
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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