OakChart

SHF Holdings Inc

SHFSFinancial·Banks - Regional·USA·Nano·NASD·Nov 13 • 6:58 AM ET

0.03+0.01 (30.43%)
2026-11-13 12:58 CET
Market cap
$3.99M
Revenue, TTM
7.92 USD m
Net income, TTM
-6.16 USD m
Free cash flow, TTM
-5.11 USD m
EPS diluted, TTM
-13.62
Price / earnings
-
Compare

Price

SHFS against its 20, 50 and 200-day averages
Terms2050200Earnings
Patternshover a marker to name it
RS 00.0010.0020.001.1B2.3BVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26SHFSclose 0.0320-day 0.0850-day 0.83200-day 5.090.0352w high 25.2052-week range, not 6 months

99.9% under the 52-week high of 25.20 on 17 Dec 2025. 52-week low 0.01 on 10 Nov 2026. Last 15 sessions, 1125.0% high to low

Volume 63.02× normal · the line is the 50-bar volume average

Setup. RS line 0
CANSLIM 1 of 6 — fails: EPS Growth Qtr Over Qtr: High (>25%); 52-Week High/Low: 0-10% below High; Performance: Year +50%; Institutional Ownership: Over 50% — not on the tape: EPS Growth This Year: High (>25%)
VCP 2 of 6 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High; Relative Volume: Under 1
Minervini 0 of 4 — fails: 200-Day Simple Moving Average: Price above SMA200; 50-Day Simple Moving Average: SMA50 above SMA200; 52-Week High/Low: 0-10% below High; Performance: Year +50%
Zanger 2 of 5 — fails: RSI (14): Not Oversold (>50); 20-Day High/Low: 0-5% below High; 200-Day Simple Moving Average: Price above SMA200
Leaders 1 of 5 — fails: 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%; 52-Week High/Low: 0-10% below High
Breakout 1 of 4 — fails: 52-Week High/Low: New High; 50-Day Simple Moving Average: Price above SMA50; 200-Day Simple Moving Average: Price above SMA200
Growth 0 of 4 — fails: EPS Growth Qtr Over Qtr: High (>25%); Return on Equity: Over +15% — not on the tape: EPS Growth This Year: High (>25%); EPS Growth Next Year: High (>25%)
Quality 1 of 5 — fails: Return on Equity: Over +15%; Net Profit Margin: High (>20%); Debt/Equity: Low (<0.1) — not on the tape: P/E: Under 25
Value 1 of 4 — fails: Return on Equity: Over +15%; Debt/Equity: Low (<0.1) — not on the tape: P/E: Under 15
Income 0 of 4 — fails: Dividend Growth: Growing 2+ Years — not on the tape: Dividend Yield: Over 2%; Payout Ratio: Low (<20%); P/E: Under 25
Small Cap 1 of 4 — fails: Float: Under 100M; 200-Day Simple Moving Average: Price above SMA200; Performance: Year +50%
Accumulation 0 of 4 — fails: Institutional Ownership: Over 30%; Institutional Transactions: Over +10%; 200-Day Simple Moving Average: Price above SMA200; Performance: Year Up
Relative Strength 1 of 3 — fails: Performance: Year +100%; 200-Day Simple Moving Average: Price above SMA200

Profile

SHFS
52-week range, 0% of the way up
0.0125.20

SHF Holdings, Inc. engages in the provision of financial services focused on the cannabis industry. It provides access to banking and financing solutions for the cannabis industry. The company was founded in July 2021 and is headquartered in Golden, CO.

Employees40
IPOAug 20, 2021
Beta1.06
ATR, 14d0.07
Rel volume63.02
Short float0.99%
Insider own0.00%
Inst own0.04%

Snapshot

6 groups

Valuation

Index-
Market Cap$3.99M
Enterprise Value0.17M
Income-6.16M
Sales7.92M
Book / share5.04
Cash / share0.03
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees40
IPOAug 20, 2021

Ratios

Price / earnings-
Forward price / earnings-
Price / earnings / growth-
Price / sales0.50
Price / book0.01
Price / cash0.91
Price / free cash flow-
Value / cash profit-
Value / sales0.02
Quick Ratio1.59
Current Ratio1.59
Debt / equity0.11
Long-term debt / equity0.07
Options and shortNo / No

Earnings

Earnings / share-13.62
Earnings next year-
Earnings next quarter-
Earnings this year-
Earnings next year-
Earnings growth, 5 years-
Past earnings growth71.88% -
Past sales growth-6.80% 2.30%
Earnings vs last year94.07%
Sales vs last year-14.63%
Earnings vs last quarter-237.62%
Sales vs last quarter6.46%
EarningsNov 09 BMO
Surprise- -

Ownership

Insiders own0.00%
Insider trades-
Institutions own0.04%
Institution trades-0.05%
Return on assets-36.29%
Return on equity-79.68%
Return on capital-87.13%
Gross Margin93.43%
Operating margin-63.24%
Profit Margin-77.79%
20-day average-61.10%
50-day average-96.36%
200-day average-99.41%

Technical

Shares out132.25M
Shares floating132.25M
Short / float0.99%
Short ratio0.01
Short interest1.31M
52-week high25.20 -99.9%
52-week low0.01 +150.0%
Volatility57.30% 53.82%
Average range0.07
Strength index26.46
Market sensitivity1.06
Relative volume63.02
Avg Volume110.85M
Volume349,281,411

Performance

Perf Week14.45%
Perf Month-79.65%
Perf Quarter-98.46%
Perf Half Y-99.46%
Perf YTD-99.76%
Perf Year-99.82%
Perf 3Y-99.98%
Perf 5Y-100.00%
Perf 10Y-
Recommendation-
Target Price-
Prev Close0.02
Price0.03
Change %33.78%

Peers

Mkt cap
TickerCompanyMkt cap
AFCGAdvanced Flower Capital Inc74.83M
MVBFMVB Financial Corp333.93M
CCBCoastal Financial Corp661.20M
LIENChicago Atlantic BDC Inc206.53M
TBBKBancorp Inc1.93B
BAFNBayFirst Financial Corp200.08M
OPHCOptimumbank Holdings Inc113.10M
REFIChicago Atlantic Real Estate Finance Inc225.47M
IIPRInnovative Industrial Properties Inc1.45B
GRWGGrowGeneration Corp72.10M

Held by

AUM
TickerCompanyAUM
VXFVanguard Extended Market Index ETFAUM: 30.79B

News

latest 14 of 200
  • Safe Harbor CEO Issues Letter to Shareholders Addressing Capital Structure, Nasdaq Listing and Proposed Opifex Transaction (GlobeNewswire) -5.70%
  • Safe Harbor Financial Reports Third Quarter 2026 Financial Results (GlobeNewswire)
  • Safe Harbor Financial Signs Non-Binding Term Sheet to Combine with Opifex Media, Creating a Nasdaq-Listed Diversified Holding Company (GlobeNewswire) -29.00%
  • Safe Harbor Financial Receives Additional 180-Day Compliance Period from Nasdaq to Regain Compliance with Minimum Bid Price Requirement (GlobeNewswire) +71.52%
  • Safe Harbor Announces Preliminary Third Quarter 2026 Deposit Results (GlobeNewswire) -20.62%
  • Safe Harbor Financial Announces the Implementation of a Reverse Stock Split (GlobeNewswire) -30.60%
  • Safe Harbor Institutional Named Top Business Solutions Company at 2026 PBC Cannabis Banking Conference (GlobeNewswire) +7.17%
  • Safe Harbor to Address Banking and Capital Access for Colorado Cannabis Operators at IgniteIt Market Spotlight 2026 (GlobeNewswire) -8.74%
  • Safe Harbor Institutional to Highlight Scalable Cannabis Banking Infrastructure at PBC Conference (GlobeNewswire)
  • Safe Harbor Financial Reports Second Quarter 2026 Results and Provides Corporate Update (GlobeNewswire)
  • Safe Harbor's Cannabis-Focused 401(k) Plan Gains Early Adoption as Canopy HR Names It the Recommended Retirement Solution for its Clients (GlobeNewswire) -5.40%
  • Safe Harbor Financial Series B Preferred Conversion Price and Warrant Exercise Price Reset to $1.5528 Following Conclusion of Temporary Reduction Period (GlobeNewswire)
  • Safe Harbor Introduces Its Operating Model for Cannabis Banking at ACB Cannabis Banking eXperience Conference (GlobeNewswire)
  • Safe Harbor Financial Expands Board of Directors with Appointment of Tyler Klimas and Sean Tonner (GlobeNewswire) -5.20%

Quarterly earnings

2024Q3 EPS 2.400, from -4.800 a year earlier. 2026Q1 sales 1.98
EPS
14.4000-91.3202022Q3 EPS 14.40022Q32023Q1 EPS -14.40023Q12023Q2 EPS -91.32023Q22023Q3 EPS -4.80023Q32023Q4 EPS 12.00023Q42024Q1 EPS 9.60024Q12024Q2 EPS 4.80024Q22024Q3 EPS 2.40024Q3
Sales, USD millions
4.6002023Q2 sales 4.6023Q22023Q3 sales 4.3323Q32023Q4 sales 4.4523Q42024Q1 sales 4.0524Q12024Q2 sales 4.0424Q22024Q3 sales 3.4824Q32025Q4 sales 2.0625Q42026Q1 sales 1.9826Q1

The outline behind the bar is the estimate. The filled bar is the print. Green beat it, red missed it.

PeriodReportedEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mSurpriseYear-ago quarterAnalystsNext session
2026Q1ended 2026-03-312026-05-18 08:30---5.1461.98-EPS - · sales ---Open +5.07% vs SPY +0.09%. Close +3.32% vs SPY -0.07%
2025Q4ended 2025-12-312026-04-16 08:30---3.1972.06-EPS - · sales ---Open -5.22% vs SPY +0.16%. Close -4.14% vs SPY +0.25%
2024Q3ended 2024-09-302024-11-12 16:302.400--3.48-EPS - · sales -vs 2023Q3, year-ago quarter · EPS -150.0% · sales -19.6%-Open -3.45% vs SPY +0.08%. Close -2.07% vs SPY +0.05%
2024Q2ended 2024-06-302024-08-14 16:304.800-4.0014.04-EPS - · sales -vs 2023Q2, year-ago quarter · EPS -105.3% · sales -12.2%-Open -2.38% vs SPY +1.06%. Close +0.83% vs SPY +1.71%
2024Q1ended 2024-03-312024-05-13 16:309.600-8.7434.05-EPS - · sales -vs 2023Q1, year-ago quarter · EPS -166.7% · sales -3.1%-Open +0.81% vs SPY +0.04%. Close -2.97% vs SPY +0.46%
2023Q4ended 2023-12-312024-04-01 16:3012.000-10.9374.45-EPS - · sales ---Open -0.41% vs SPY -0.75%. Close -3.37% vs SPY -0.64%
2023Q3ended 2023-09-302023-11-14 16:30-4.800--3.6464.33-EPS - · sales -vs 2022Q3, year-ago quarter · EPS -133.3% · sales +82.1%-Open -1.50% vs SPY +0.31%. Close -4.53% vs SPY +0.21%
2023Q2ended 2023-06-302023-08-14 16:30-91.320--96.3344.60-EPS - · sales ---Open -5.68% vs SPY -0.41%. Close +1.30% vs SPY -1.16%
2023Q1ended 2023-03-312023-05-15 16:30-14.400--13.2144.18-EPS - · sales ---Open 0.00% vs SPY -0.28%. Close -7.07% vs SPY -0.67%
2022Q3ended 2022-09-302022-11-14 16:3014.400-12.2112.38-EPS - · sales ---Open +1.18% vs SPY +1.53%. Close -9.18% vs SPY +0.85%

Annual earnings

2023FY EPS -98.400, from -444 a year earlier. Sales 17.56, from 9.48 a year earlier
EPS
0.0000-4442022FY EPS -44420222023FY EPS -98.4002023
Sales, USD millions
17.5602022FY sales 9.4820222023FY sales 17.562023

Reported years only. The outline behind the bar is the estimate. A later year with no print stays in the table.

earnings feed, not the snapshot. Not the statement ratio.

PeriodEPS adjustedEPS estEPS reportedSales act, USD mSales est, USD mP/E, earnings feed
2023FY-98.400--17.56--
2022FY-444--443.999.48--

Quarterly results

2026Q3 revenue 1.95, from 1.83 a year earlier. Operating margin -51.3%, from -66.7% a year earlier
Revenue, USD millions
3.6702024Q4 revenue 3.6724Q42025Q1 revenue 1.9325Q12025Q2 revenue 1.8525Q22025Q3 revenue 1.8325Q32025Q4 revenue 2.0625Q42026Q1 revenue 1.9826Q12026Q2 revenue 1.9326Q22026Q3 revenue 1.9526Q3
Operating margin
34.30-103.112024Q4 operating margin 34.3%24Q42025Q1 operating margin -103.11%25Q12025Q2 operating margin -52.4%25Q22025Q3 operating margin -66.7%25Q32025Q4 operating margin -59.2%25Q42026Q1 operating margin -88.9%26Q12026Q2 operating margin -53.4%26Q22026Q3 operating margin -51.3%26Q3

From the quarterly statement. Not an estimate.

Estimate revisions

Latest snapshot of each period and type.

No estimate revisions.

Estimate history

Annual
Metric20212022202320242025TTMMRQ
EPS per share33.24-443.99-97.409-209.11-9.868-13.6166-
Sales USD millions79181588-
Shares million shares00000-1
Quarterly
MetricQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
EPS per share1.502-222.718-3.562-3.9520.692-3.197-5.146-4.321-0.953
Sales USD millions342222222
Shares million shares000000011

Income statement, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/2021
Total Revenue7.927.67-49.7%15.24-13.2%17.56+85.2%9.48+35.2%7.01
Cost of Goods Sold Incl. D&A0.520.13-81.7%0.71-48.2%1.37+621.1%0.190.00
Gross Profit7.407.54-48.1%14.53-10.3%16.19+74.3%9.29+32.7%7.00
Selling, General and Administrative Excl. Other12.4212.94+3.8%12.47-30.7%17.99+56.6%11.49+208.9%3.72
Other Operating Expense0.000.000.000.000.000.00
Operating Income-5.01-5.40-362.1%2.06-1.80-2.20-166.9%3.29
Interest Expense0.020.49-7.5%0.53-52.3%1.11+56.3%0.710.00
Unusual Expense-0.76-4.74-179.3%5.98-63.1%16.19-61.0%41.480.00
Net Income Before Taxes-4.85-2.22-4.46-19.11-44.38-1448.9%3.29
Income Taxes0.00-0.06-100.1%43.86-1.83-9.250.00
Consolidated Net Income-4.85-2.16-48.32-17.28-35.13-1167.8%3.29
Net Income From Continuing Operations-4.85-2.16-48.32-17.28-35.13-1167.8%3.29
Net Income-6.16-2.40-48.32-17.28-35.13-1167.8%3.29
EPS (Recurring) per share-6.52-23.49-190.98-33.52-77.02-331.7%33.24
EPS (Basic, Before Extraordinaries) per share-13.62-9.87-209.11-97.41-443.99-1435.7%33.24
EPS (Diluted) per share-13.62-9.87-209.11-97.41-443.99-1435.7%33.24
EBITDA-4.49-5.27-290.3%2.77-0.43-2.01-161.1%3.29
Non-Operating Income (Expense)-0.59-1.060.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.00
Stock Option Compensation Expense0.251.17-6.4%1.25-57.3%2.93+32.0%2.220.00
Price To Earnings Ratio ratio statement ratio, not the snapshot--1,030.24---
Price To Sales Ratio ratio0.190.401.643.443.5634.11
Gross Margin %93.4398.2895.3392.1898.0099.97
Operating Margin %-63.24-70.3613.50-10.27-23.1946.92
Net Margin %-77.79-31.31-317.00-98.39-370.6046.92
Shares Outstanding million shares1.030.36+56.5%0.230.0%0.23+130.0%0.100.0%0.10
Market Capitalization2.982.98-100.0%6,016.72-62.1%15,879.00+99.2%7,972.97-77.9%36,018.05

Income statement, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Total Revenue1.95+6.6%1.93+4.3%1.98+2.6%2.06-43.9%1.83-47.4%1.85-54.2%1.93-52.3%3.67-18.1%
Cost of Goods Sold Incl. D&A0.130.130.130.13-18.8%0.00-100.0%0.00-100.0%0.00-100.0%0.16-44.8%
Gross Profit1.82-0.5%1.81-1.6%1.85-4.1%1.93-45.0%1.83-44.9%1.84-52.1%1.93-49.9%3.51-16.2%
Selling, General and Administrative Excl. Other2.82-7.5%2.83+0.4%3.61-7.9%3.15+39.4%3.05-2.9%2.82-20.3%3.92+11.4%2.26-41.8%
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income-1.00-1.03-1.76-1.22-196.8%-1.22-777.8%-0.97-423.3%-1.99-721.9%1.26+306.5%
Interest Expense0.00-100.0%0.00-100.0%0.00-100.0%0.01-80.0%0.25+56.3%0.12-29.4%0.11-26.7%0.05
Unusual Expense-0.01-0.01-0.02-0.72-107.9%-2.64-0.10-1.289.07
Net Income Before Taxes-0.98-644.4%-1.51-1.78-0.580.18-50.0%-0.99-169.2%-0.83-151.6%-7.86-522.6%
Income Taxes0.000.000.000.00-100.0%0.00-100.0%-0.06-112.2%0.0043.80
Consolidated Net Income-0.98-644.4%-1.51-1.78-0.580.18-48.6%-0.93-198.9%-0.83-140.5%-51.66-2174.7%
Net Income From Continuing Operations-0.98-644.4%-1.51-1.78-0.580.18-48.6%-0.93-198.9%-0.83-140.5%-51.66-2174.7%
Net Income-0.98-644.4%-2.49-1.87-0.820.18-48.6%-0.93-198.9%-0.83-140.5%-51.66-2174.7%
EPS (Recurring) per share-0.96-4.34-5.18-5.16-6.43-1439.6%-4.24-3128.6%-7.41-266.9%-195.36-2704.8%
EPS (Basic, Before Extraordinaries) per share-0.95-228.4%-4.32-5.15-3.200.74-51.6%-3.95-196.8%-3.56-140.0%-222.72-2135.8%
EPS (Diluted) per share-0.95-237.7%-4.32-5.15-3.200.69-54.0%-3.95-198.8%-3.56-140.7%-222.72-2135.8%
EBITDA-0.87-0.90-1.63-1.09-176.8%-1.22-458.8%-0.97-298.0%-1.99-475.5%1.42+136.7%
Non-Operating Income (Expense)0.01-0.50-0.03-0.08-0.990.000.000.00-100.0%
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.040.040.06-91.9%0.11+450.0%0.00-100.0%0.00-100.0%0.74+57.4%0.02-96.7%
Price To Earnings Ratio ratio statement ratio, not the snapshot-------1,030.24
Price To Sales Ratio ratio0.190.210.470.432.400.560.911.64
Gross Margin %93.1893.3393.4793.7499.9799.9499.9395.63
Operating Margin %-51.33-53.05-89.26-59.14-66.38-52.62-103.0634.19
Net Margin %-50.17-128.93-94.50-39.969.79-50.44-42.81-1,407.14
Shares Outstanding million shares1.03+329.2%1.03+329.2%0.38+65.2%0.36+56.5%0.24+4.3%0.24+4.3%0.230.0%0.230.0%
Market Capitalization2.98-98.8%18.59-74.4%30.71-78.6%39.19-99.3%250.54-96.6%72.51-99.0%143.45-98.9%6,016.72-62.1%

Balance sheet, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/2021
Cash & Short Term Investments6.78+192.2%2.32-52.6%4.89-41.7%8.39+52.5%5.50
Short Term Receivables1.56-72.7%5.72+155.4%2.24+48.3%1.51+151.7%0.60
Inventories0.000.000.000.000.00
Other Current Assets3.86+5.5%3.66+481.0%0.63+90.9%0.33+3200.0%0.01
Total Current Assets12.20+4.3%11.70+50.8%7.76-24.1%10.23+67.7%6.10
Net Property, Plant & Equipment0.55-22.5%0.71-24.5%0.94-12.1%1.07+10600.0%0.01
Total Investments and Advances1.450.000.000.000.00
Long-Term Note Receivable2.58+578.9%0.38-92.4%4.97-16.3%5.94+321.3%1.41
Intangible Assets-0.00-100.0%9.78-67.3%29.890.00
Deferred Tax Assets0.92+441.2%0.17-99.6%44.95-12.9%51.590.00
Other Assets0.430.0%0.43-25.9%0.58-20.5%0.730.00
Total Assets18.13+35.4%13.39-80.6%68.98-30.6%99.45+1222.5%7.52
Short Term Debt Incl. Current Port. of LT Debt0.18-57.1%0.42-86.6%3.14-87.9%25.990.00
Accounts Payable0.36+63.6%0.220.0%0.22-91.7%2.65+6525.0%0.04
Other Current Liabilities5.96-50.5%12.05+165.4%4.54-78.3%20.92+14842.9%0.14
Total Current Liabilities6.50-48.7%12.68+60.5%7.90-84.1%49.57+27438.9%0.18
Long Term Debt0.53-95.4%11.46-14.0%13.33-59.1%32.590.00
Provision for Risks Charges0.000.000.000.000.00
Deferred Tax Liabilities0.92+441.2%0.17-84.8%1.12--
Other Liabilities1.94+42.6%1.36-88.9%12.28+0.9%12.170.00
Total Liabilities9.89-61.5%25.68-25.8%34.63-63.3%94.34+52311.1%0.18
Non-Equity Reserves0.000.000.000.000.00
Preferred Stock - Carrying Value3E-060.000.00-100.0%1E-060.00
Common Equity8.24-12.29-135.8%34.36+572.4%5.11-30.4%7.34
Total Shareholders Equity8.24-12.29-135.8%34.36+572.4%5.11-30.4%7.34
Accumulated Minority Interest0.000.000.000.000.00
Total Equity8.24-12.29-135.8%34.36+572.4%5.11-30.4%7.34
Total Liabilities & Stockholders Equity18.13+35.4%13.39-80.6%68.98-30.6%99.45+1222.5%7.52
Book Value Per Share per share23.08-52.97-135.1%151.11+192.2%51.71-30.3%74.22
Tangible Book Value Per Share per share23.08-52.97-149.0%108.10-250.53-437.6%74.22
Full-Time Employees people40-2.4%41-8.9%450.0%45+1400.0%3
Price to Book Ratio ratio0.00152.89587.59259.73325.90
Return on Assets %-13.71-117.32-20.53-65.68-
Return on Equity %--437.93-87.56-564.21-
Return on Invested Capital %-24.66--36.24-93.1644.79
Quick Ratio ratio1.880.920.980.2133.63
Current Ratio ratio1.880.920.980.2133.63

Cash flow, annual

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
MetricTTM2025FY12/31/20252024FY12/31/20242023FY12/31/20232022FY12/31/20222021FY12/31/2021
Net Income-4.85-2.16-48.32-17.28-35.13-1167.8%3.29
Depreciation0.520.13-81.7%0.71-48.2%1.37+621.1%0.190.00
Other Funds (Non Cash)-0.94-2.13-134.2%6.23-70.3%20.95-54.0%45.500.00
Funds from Operations-5.27-4.15-267.3%2.48-22.7%3.21+146.9%1.30-60.5%3.29
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital0.160.74-2.05-4.04-1135.9%0.39-0.34
Income Taxes Payable-----0.17
Cash from Operating Activities-5.11-3.42-895.3%0.43-0.83-148.8%1.70-42.4%2.95
Capital Expenditures-0.250.000.00-0.21-0.02-0.01
Net Assets From Acquisitions0.000.000.000.00-3.040.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.840.050.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.840.050.000.000.000.00
Other Uses0.000.000.00-3.000.000.00
Other Sources0.000.39+3800.0%0.01-99.0%1.03+543.8%0.16-84.6%1.04
Cash from Investing Activities0.580.44+4300.0%0.01-2.18-2.90-378.8%1.04
Cash Dividends Paid0.000.000.000.000.000.00
Change in Capital Stock8.187.260.000.00-100.0%4.090.00
Repurchase of Common Pref Stock0.000.000.000.000.000.00
Sale of Common Pref Stock8.187.260.000.00-100.0%4.090.00
Proceedsfrom Stock Options8.187.260.000.00-100.0%4.090.00
Issuance or Reduction of Debt, Net0.000.29-3.01-0.490.000.00
Change in Long Term Debt0.000.29-3.01-0.490.000.00
Issuance of Long Term Debt0.000.550.000.000.000.00
Reduction of Long Term Debt0.00-0.26-3.01-0.490.000.00
Net Financing Active Other Cash Flow-0.12-0.130.000.000.00-1.49
Other Financing Activities Uses-0.12-0.130.000.000.00-1.49
Cash from Financing Activities8.067.43-3.01-0.49-112.0%4.09-1.49
Net Change in Cash3.534.45-2.56-3.50-221.1%2.89+16.1%2.49
Free Cash Flow-5.11-3.42-895.3%0.43-1.04-161.9%1.68-42.9%2.94
Preferred Dividends (Cash Flow)--0.000.00-0.00
Price to Free Cash Flow ratio--58.01-20.0681.28
Deferred Taxes & Investment Tax Credit-0.00-100.0%43.86-1.83-9.250.00

Balance sheet, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Cash & Short Term Investments4.40+411.6%5.73+2192.0%7.32+687.1%6.78+192.2%0.86-85.3%0.25-95.9%0.93-83.5%2.32-52.6%
Short Term Receivables1.29-80.5%1.22+90.6%1.27+71.6%1.56-72.7%6.62+13.7%0.64-52.2%0.74-42.6%5.72+155.4%
Inventories0.000.000.000.000.000.000.000.00
Other Current Assets4.35+20.5%3.99-2.2%3.79+6.8%3.86+5.5%3.61+636.7%4.08+973.7%3.55+596.1%3.66+481.0%
Total Current Assets10.04-9.5%10.94+120.6%12.38+137.2%12.20+4.3%11.10-8.8%4.96-36.7%5.22-29.7%11.70+50.8%
Net Property, Plant & Equipment0.43-27.1%0.47-25.4%0.51-23.9%0.55-22.5%0.59-21.3%0.63-20.3%0.67-23.0%0.71-24.5%
Total Investments and Advances0.00-100.0%0.000.001.451.500.000.000.00
Intangible Assets0.25-----0.00-100.0%0.00-100.0%
Deferred Tax Assets---0.92+441.2%---0.17-99.6%
Other Assets0.18-62.5%0.42+13.5%0.35-10.3%0.430.0%0.48+2.1%0.37-27.5%0.39-27.8%0.43-25.9%
Total Assets13.09-4.2%14.15+137.4%15.69+135.6%18.13+35.4%13.66-79.6%5.96-91.2%6.66-90.2%13.39-80.6%
Short Term Debt Incl. Current Port. of LT Debt0.19+5.6%0.19+11.8%0.19+11.8%0.18-57.1%0.18-94.5%0.17-94.7%0.17-94.6%0.42-86.6%
Accounts Payable0.53-44.2%0.69-12.7%1.04+141.9%0.36+63.6%0.95+313.0%0.79+203.8%0.43+43.3%0.220.0%
Other Current Liabilities5.58+32.9%5.33-53.1%5.63-50.4%5.96-50.5%4.20-62.5%11.37+180.7%11.35+212.7%12.05+165.4%
Total Current Liabilities6.30+18.2%6.21-49.7%6.85-42.6%6.50-48.7%5.33-63.7%12.34+63.9%11.94+67.9%12.68+60.5%
Long Term Debt0.38-33.3%0.43-96.2%0.48-95.8%0.53-95.4%0.57-94.8%11.37-4.2%11.42-10.9%11.46-14.0%
Provision for Risks Charges0.000.000.000.000.000.000.000.00
Deferred Tax Liabilities---0.92+441.2%---0.17-84.8%
Other Liabilities1.22+60.5%1.41+1181.8%1.63+579.2%1.94+42.6%0.76-57.8%0.11-98.8%0.24-97.8%1.36-88.9%
Total Liabilities7.90+18.4%8.05-66.2%8.96-62.0%9.89-61.5%6.67-75.8%23.81-17.6%23.60-23.2%25.68-25.8%
Non-Equity Reserves0.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value3E-060.0%3E-063E-063E-063E-060.000.000.00
Common Equity5.19-25.9%6.106.738.247.00-82.2%-17.86-146.4%-16.95-145.8%-12.29-135.8%
Total Shareholders Equity5.19-25.9%6.106.738.247.00-82.2%-17.86-146.4%-16.95-145.8%-12.29-135.8%
Accumulated Minority Interest0.000.000.000.000.000.000.000.00
Total Equity5.19-25.9%6.106.738.247.00-82.2%-17.86-146.4%-16.95-145.8%-12.29-135.8%
Total Liabilities & Stockholders Equity13.09-4.2%14.15+137.4%15.69+135.6%18.13+35.4%13.66-79.6%5.96-91.2%6.66-90.2%13.39-80.6%
Book Value Per Share per share5.04-82.5%5.9417.9123.0828.79-83.0%-75.82-145.5%-72.99-145.6%-52.97-135.1%
Tangible Book Value Per Share per share4.80-83.3%5.9417.9123.0828.79-77.8%-75.82-160.4%-72.99-161.7%-52.97-149.0%
Full-Time Employees people---40-2.4%---41-8.9%
Price to Book Ratio ratio0.001.934.155.30-13.60-4.28-11.66152.89
Return on Assets %-36.29-36.76-27.87-13.71-132.22-144.79-137.70-117.32
Return on Equity %-79.68----229.75-515.18-511.51-437.93
Return on Invested Capital %-17.58-23.16-24.69-6.652.37---
Quick Ratio ratio1.591.761.811.882.080.400.440.92
Current Ratio ratio1.591.761.811.882.080.400.440.92

Cash flow, quarterly

USD millions, except where the row names a unit. The percent under a figure is against the same period a year earlier. TTM has no earlier TTM to compare with, and a ratio or a margin has no change.
Metric2026Q39/30/20262026Q26/30/20262026Q13/31/20262025Q412/31/20252025Q39/30/20252025Q26/30/20252025Q13/31/20252024Q412/31/2024
Net Income-0.98-644.4%-1.51-1.78-0.580.18-48.6%-0.93-198.9%-0.83-140.5%-51.66-2174.7%
Depreciation0.130.130.130.13-18.8%0.00-100.0%0.00-100.0%0.00-100.0%0.16-44.8%
Other Funds (Non Cash)-0.300.19-0.20-0.63-107.9%-0.91-9200.0%-0.12-0.487.99
Funds from Operations-1.15-1.19-1.85-1.08-448.4%-0.73-230.4%-1.05-238.2%-1.30-254.8%0.31-61.3%
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital-0.06-131.6%-0.56-251.4%0.77+381.3%0.010.190.37-21.3%0.16-74.6%-3.09
Cash from Operating Activities-1.21-1.76-1.08-1.06-0.54-208.0%-0.67-154.5%-1.14-177.0%-2.78
Capital Expenditures-0.250.000.000.000.000.000.000.00
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.00
Purchase or Sale of Investments0.130.630.030.050.000.000.000.00
Purchase of Investments0.000.000.000.000.000.000.000.00
Sale Or Maturity of Investments0.130.630.030.050.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.00-100.0%0.000.000.000.390.000.000.00-100.0%
Cash from Investing Activities-0.12-130.8%0.630.030.050.390.000.000.00
Cash Dividends Paid0.000.000.000.000.000.000.000.00
Preferred Dividends (Cash Flow)----0.000.000.000.00
Change in Capital Stock1E-06-100.0%0.960.177.050.220.000.000.00
Repurchase of Common Pref Stock0.000.000.000.000.000.000.000.00
Sale of Common Pref Stock1E-06-100.0%0.960.177.050.220.000.000.00
Proceedsfrom Stock Options1E-06-100.0%0.960.177.050.220.000.000.00
Issuance or Reduction of Debt, Net0.00-100.0%0.000.000.000.550.00-0.26-0.76
Change in Long Term Debt0.00-100.0%0.000.000.000.550.00-0.26-0.76
Issuance of Long Term Debt0.00-100.0%0.000.000.000.550.000.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00-0.26-0.76
Net Financing Active Other Cash Flow0.000.000.00-0.120.00-0.010.000.00
Other Financing Activities Uses0.000.000.00-0.120.00-0.010.000.00
Cash from Financing Activities1E-06-100.0%0.960.176.930.77-0.01-0.26-0.76
Net Change in Cash-1.33-318.0%-0.17-0.885.920.61-0.68-238.8%-1.39-287.8%-3.54
Free Cash Flow-1.21-1.76-1.08-1.06-0.54-208.0%-0.67-154.5%-1.14-177.0%-2.78
Price to Free Cash Flow ratio-------58.23

Revenue breakdown

USD millions, so a column adds up to the income statement. Share is of the latest year in that split. The change is versus the older year shown, not TTM.

Product
Name20242025vs 20242025 share
Finance Services15.247.67-49.7%100.0%
Total15.247.67-49.7%100.0%
Region
Name20242025vs 20242025 share
United States15.247.67-49.7%100.0%
Total15.247.67-49.7%100.0%

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.53%1.3M85.5M40.77M
2026-10-1574.92%0.8M1.0M877.45K
2026-09-306.20%0.0M0.6M73.68K
2026-09-152.18%0.0M0.6M65.17K
2026-08-310.59%0.0M0.6M283.12K
2026-08-140.56%0.0M0.6M286.64K
2026-07-310.93%0.0M0.6M285.81K
2026-07-152.32%0.0M0.6M297.14K
2026-06-303.72%0.0M0.3M270.09K
2026-06-1547.20%0.2M0.3M255.33K
2026-05-293.37%0.0M0.3M21.61K
2026-05-154.83%0.0M0.3M20.27K
2026-04-309.24%0.0M0.2M17.15K
2026-04-152.57%0.0M0.2M10.97K
2026-03-314.63%0.0M0.2M11.02K
2026-03-139.63%0.0M0.2M21.02K
2026-02-276.53%0.0M0.2M21.61K
2026-02-133.98%0.0M0.2M21.70K
2026-01-306.76%0.0M0.2M27.28K
2026-01-151.75%0.0M0.2M23.32K

Option chain

expiry 2026-11-13
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
No option chain for this symbol.

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-12425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-11-128-KCurrent report2026-11-05SEC
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-09DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-11-09425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-11-098-KCurrent report2026-11-09SEC
2026-10-308-KCurrent report2026-10-26SEC
2026-10-26DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC
2026-10-26425Filing under Securities Act Rule 425 of certain prospectuses and communications in connection with business combination transactions.SEC
2026-10-268-KCurrent report2026-10-22SEC
2026-10-208-KCurrent report2026-10-20SEC
2026-10-068-KCurrent report2026-10-06SEC
2026-10-018-KCurrent report2026-09-29SEC
2026-09-288-KCurrent report2026-09-28SEC
2026-08-198-KCurrent report2026-08-14SEC
2026-08-11424B7SEC
2026-08-11SCHEDULE 13G/ASEC
2026-08-10EFFECTEffectiveness filing by commission orderSEC
2026-08-108-KCurrent report2026-08-10SEC
2026-08-0710-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-058-KCurrent report2026-07-31SEC
2026-08-048-KCurrent report2026-07-29SEC
2026-07-31S-1General form of registration statement for all companies including face-amount certificate companiesSEC
2026-07-31S-1/ASEC
2026-07-16S-1/ASEC
2026-07-168-KCurrent report2026-07-15SEC
2026-07-138-KCurrent report2026-07-07SEC
2026-06-248-KCurrent report2026-06-17SEC
2026-06-04S-1/ASEC
2026-05-28DEFA14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
M3F, Inc.4.77%
HRT FINANCIAL LP2.71%
Virtu Financial LLC2.64%
Blue Owl Capital Holdings LP1.18%
JANE STREET GROUP, LLC1.04%
GEODE CAPITAL MANAGEMENT, LLC0.59%
CITADEL ADVISORS LLC0.56%
Checchi Capital Advisers, LLC0.49%
SUSQUEHANNA INTERNATIONAL GROUP, LLP0.43%
UBS Group AG0.16%

Funds

Fund% owned
Fidelity Extended Market Index Fund0.30%
VANGUARD EXTENDED MARKET INDEX FUND0.12%
Fidelity Series Total Market Index Fund0.03%
Fidelity Total Market Index Fund0.01%

OakChart. SHFS. Cached 15 minutes. Terms

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