Is SHFS or SMBC more undervalued in 2026?

CirclFi compares SHF Holdings, Inc. (SHFS) and Southern Missouri Bancorp, Inc. (SMBC) using 13 institutional-grade valuation models. SHFS has a Quality of Company score of 4.0/10 while SMBC scores 9.1/10.

Which is a better buy — SHFS or SMBC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do SHFS and SMBC valuations compare?

SHFS at $0.47 and SMBC at $69.21 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

SHFS vs SMBC Valuation Comparison 2026 — Intrinsic Value Analysis

SHFS

Banks - Regional

SHF Holdings, Inc.

Quality

4.0

out of 10

Value Trap

LOW

Price

$0.47

Last close

Models

7/13

Active

SMBC

Banks - Regional

Southern Missouri Bancorp, Inc.

Quality

9.1

out of 10

Value Trap

—

Price

$69.21

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	SHFS Fair Value	SHFS Upside	SMBC Fair Value	SMBC Upside
Bayesian DCF	Intrinsic	—	—	$33.20	-52.0%
Earnings Power Value	Intrinsic	—	—	$41.02	-40.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$1.00	+27.5%	$228.53	+230.2%
PWERM	Option-Based	$1.00	+115.1%	—	—
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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SHFS vs SMBC — Which Stock Is More Undervalued?

SMBC scores higher with a 9.1/10 quality rating vs SHFS's 4.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing SHF Holdings, Inc. (SHFS) and Southern Missouri Bancorp, Inc. (SMBC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

SHFS currently trades at $0.47 with a QOC of 4.0/10, while SMBC trades at $69.21 with a QOC of 9.1/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).