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ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. SHF Holdings's annualizedNet Income for the quarter that ended in Jun. 2026 was $-6.05 Mil.
SHF Holdings's average Total Assets over the quarter that ended in Jun. 2026 was $14.92 Mil. Therefore, SHF Holdings's annualized ROA % for the quarter that ended in Jun. 2026 was -40.56%.
The historical rank and industry rank for SHF Holdings's ROA % or its related term are showing as below:
SHFS'
s ROA % Range Over the Past 10 Years
Min: -119.19 Med: -17.44 Max: 111.8
Current: -27.71
During the past 6 years, SHF Holdings's highest ROA % was 111.80%. The lowest was -119.19%. And the median was -17.44%.
SHFS's ROA % is ranked worse than 99.74% of 1530
companies
in the Banks industry
Industry Median: 1.01
vs SHFS: -27.71
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
SHF Holdings ROA % Related Terms
SHF Holdings ROA % Historical Data
* Premium members only.
The historical data trend for SHF Holdings's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, SHF Holdings's ROA % distribution charts can be found below:
* The bar in red indicates where SHF Holdings's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
SHF Holdings (SHFS) has a ROA % of -40.56% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SHF Holdings and its competitors. According to the industry distribution chart, SHF Holdings ranks #1526 out of 1530 companies in the Banks industry, placing it in the top 99.7%.
Is SHF Holdings' ROA % too high?
SHF Holdings' current ROA % is -40.56%. Based on the distribution chart, SHF Holdings ranks #1526 out of 1530 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' ROA % compare to ABBB and PNC?
According to the Banks industry distribution chart, SHF Holdings ranks #1526 out of 1530 companies for ROA %. This places SHF Holdings in the lower half of its industry. The industry median ROA % is 1.01. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on SHF Holdings and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SHF Holdings's current ROA % is -40.56%. 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 ROA % is -40.56%. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For SHF Holdings (SHFS), the current ROA % is -40.56% 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:
ROA %: -40.56%
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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