SHF Holdings, Inc.

AI-generated fair value estimate for this company.

Method: Turnaround DCF: FCF path of -$2M (yr1) improving to $0M, $2M, $3M, $4M (yrs 2-5) as the extended PCCU partnership agreement (through 2031, loan-program income share rising to 65%, expected to add >$10M cash flow over the term) drives a path toward profitability, terminal growth 3% on $4M, 15% discount rate (high risk, thin/no analyst coverage, prior going-concern history); plus net cash of $6.8M (no debt, following the September 2025 recapitalization that eliminated ~$18M of debt)

Reasoning: Safe Harbor Financial's FY2025 revenue declined ~50% and it remains EBITDA-negative, but the balance sheet was transformed by the 2025 recapitalization (debt eliminated, equity swung from -$12.3M to +$8.2M) and the extended PCCU agreement provides a credible path to profitability. DCF value of ~$27M is notably above the reported ~$1.2M market cap as of the most recent (stale, Jul 2026) quote available; given this is a thinly-traded post-reverse-split micro-cap whose book equity alone ($8.2M) already exceeds that quoted market cap, the price data should be treated as unreliable/stale and re-verified against a live quote and the FY2025 10-K/10-K/A before use