What is SHAZ's allowance for credit losses?

SHAZ (SHAZ) reported allowance for credit losses of $36.12K in Q4 2025.

What does allowance for credit losses mean?

Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.

SHAZ SHAZ Allowance for credit losses

Allowance for credit losses at other companies

Eastern Bankshares, Inc.EBC

$327.89M+46.2%

Mid Penn BancorpMPB

$41.11M+14.7%

Universal Insurance HoldingsUVE

$816K-1.6%

SHA

SharonAI Holdings, Inc. Class A Common StockSHAZ

$36.12K-54.2%

Texas Capital BancsharesTCBI

$270.44M-2.9%

SLMSLM

$1.38B-4.2%

Other financials

Income statement

See full

Revenue$294.0K-9.6%

Gross profit-$231.8K-2,080%

Operating income-$2.8M-143%

Net income-$19.9M-1,290%

EPS (diluted)-$1.43-6.7%

Balance sheet

See full

Cash & equivalents$164.3M+5,675%

Total debt$6.0M—

Total equity$88.6M+207%

Total assets$313.9M—

Cash flow

See full

Operating cash flow-$7.4M-461%

CapEx$66.7K+102%

Free cash flow-$7.5M-452%

Valuation

See full

Market cap$1.4B—

Enterprise value$1.24B—

P/S1,671.7×—

Profitability

See full

Gross margin-30.5%—

Operating margin-639.9%—

Net margin-667.1%—

FCF margin-799.3%—

Returns & leverage

See full

Return on equity-26.1%—

Debt / equity0.1×—

Current ratio1×—

Where this comes from

Reported directly by SHAZ in its filing.

Tagged under the XBRL concept us-gaap:DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals.

The official record: SHAZ’s 10-K, filed March 31, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is SHAZ's allowance for credit losses?: SHAZ (SHAZ) reported allowance for credit losses of $36.12K in Q4 2025.
What does allowance for credit losses mean?: Reserve held against the loan portfolio for estimated future credit losses under the CECL methodology — a contra-asset reducing net loans.