SHFS (SHF Holdings) Scaled Net Operating Assets: 0.06 (As of Jun. 2026)

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SHFS SHF Holdings Inc SHFS
40 GF Score
Price $0.17
GF Value $2.16
Valuation Possible Value Trap
! 2 Warning Signs
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What is SHF Holdings Scaled Net Operating Assets?

SHF Holdings SHFS -0.98% 40 Scaled Net Operating Assets is 0.06 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SHF Holdings's operating assets for the quarter that ended in Jun. 2026 was $8.42 Mil. SHF Holdings's operating liabilities for the quarter that ended in Jun. 2026 was $7.43 Mil. SHF Holdings's Total Assets for the quarter that ended in Mar. 2026 was $15.69 Mil. Therefore, SHF Holdings's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was 0.06.

SHFS
40GF Score
SHF Holdings Inc SHFS
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SHF Holdings Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

SHF Holdings's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(10.428-8.26)/13.218
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=17.207 - 6.779
=10.428

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8.971 - 0.529 - 0.182
=8.26

SHF Holdings's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(8.423-7.43)/15.688
=0.06

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=14.153 - 5.73
=8.423

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=8.052 - 0.432 - 0.19
=7.43

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
SHF Holdings (SHFS) has a Scaled Net Operating Assets of 0.06 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SHF Holdings and its competitors.
Is SHF Holdings' Scaled Net Operating Assets too high?
SHF Holdings' current Scaled Net Operating Assets is 0.06. 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' Scaled Net Operating Assets compare to ABBB and PNC?
SHF Holdings' Scaled Net Operating Assets of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on SHF Holdings and its competitors. SHF Holdings's current Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets is 0.06. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For SHF Holdings (SHFS), the current Scaled Net Operating Assets is 0.06 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:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: $2.16 vs. price of $0.17 (92.2% below fair value)
  • GF Score™: 40/100 with 2 warning signs

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 Business Description

Address 1526 Cole Boulevard, Suite 250, Golden, CO, USA, 80401
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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.17
Price
$2.16
GF Value