Deposit growth acceleration (9.6% sequential vs 4.1% in Q2) signals improving client acquisition and retention trends. Full Q3 earnings release will be the next catalyst to confirm whether this deposit growth translates into revenue and margin improvement.
Price Chart
Executive Summary
SHF Holdings announced preliminary Q3 2026 deposit results, with trailing 14-day average deposits reaching ~$119.3M, up 7.4% YoY and 9.6% sequentially. The company also noted a Fed rate increase expected to add ~$150K in annual investment income. This is a preliminary, unaudited update ahead of full Q3 earnings, with no revenue or EPS figures provided.
Key Facts
- Trailing 14-day average deposits ~$119.3M as of Sep 30, 2026, up 7.4% YoY from ~$111.1M
- Deposits increased ~9.6% sequentially from ~$108.9M (Jun 30, 2026), more than double Q2's sequential increase
- Fed 25bp rate hike on Sep 16, 2026 expected to add ~$150,000 in annualized investment income
- Deposit growth has accelerated for the second consecutive quarter
- Results are preliminary, unaudited, and subject to quarter-end closing procedures
Financial Impact
Deposits up 7.4% YoY to ~$119.3M; incremental ~$150K annual investment income from rate hike
Risk Factors
- Preliminary data subject to revision; final Q3 results may differ materially
- Deposit growth does not directly correspond to proportional revenue growth
- Interest rate environment remains uncertain; future rate decreases could offset the benefit
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001493152-26-045868 |
| Exhibit: ex99-1.htm | 0001493152-26-045868 |
| Document: 0001493152-26-045868-index-headers.html | 0001493152-26-045868 |
| Document: 0001493152-26-045868-index.html | 0001493152-26-045868 |
| Document: 0001493152-26-045868.txt | 0001493152-26-045868 |
| 8-K Data (Synthetic) | 0001493152-26-045868 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 26, 2026 1d ago | DEFA14A | $0.1336 | awaiting T+20 | — | $0.1160 (+13.17%) |
Oct 26, 2026 1d ago | 425 | $0.1343 | awaiting T+20 | — | $0.1160 (+13.63%) |
Oct 26, 2026 1d ago | 8-K | $0.1309 | awaiting T+20 | — | $0.1160 (+11.38%) |
Oct 26, 2026 1d ago | Press Release | $0.1309 | awaiting T+20 | — | $0.1160 (+11.38%) |
Oct 20, 2026 7d ago | 8-K | $0.1542 | awaiting T+20 | — | $0.1160 (+24.77%) |
Oct 20, 2026 7d ago | Press Release | $0.1542 | awaiting T+20 | — | $0.1160 (+24.77%) |
Oct 6, 2026 21d ago | 8-K | $0.7001 | awaiting T+20 | — | $0.1160 (−83.43%) |
Sep 30, 2026 27d ago | 8-K | $1.30 | awaiting T+20 | — | $0.1160 (−91.08%) |
Sep 28, 2026 29d ago | 8-K | $0.1091 $0.007800 | ▼ −92.82% | ▼ −92.79% | $0.1160 (+6.32%) |
Aug 11, 2026 11w ago | EFFECT | $0.1751 $0.1557 | ▲ +11.08% | ▲ +10.02% | $0.1160 (+33.75%) |
US Market Status
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