{"filings":[{"id":1249316,"accession_number":"0001493152-26-029920","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-06-24T20:05:39+00:00","items":["5.07"],"status":"ready","headline":"SHF Holdings shareholders elect directors and ratify auditor at 2026 Annual Meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Jonathon F. Niehaus elected Class II director with 1,290,372 For, 486,420 Withheld.","Sean Tonner elected Class II director with 1,304,236 For, 472,556 Withheld.","Ratification of Macias, Gini & O'Connell LLP as auditor: 2,399,926 For, 342,954 Against, 33,757 Abstain.","No other proposals; all items voted on June 17, 2026 passed with requisite approval."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":482356,"accession_number":"0001493152-26-024066","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-05-18T11:45:35+00:00","items":["2.02","9.01"],"status":"ready","headline":"SHF Holdings Q1 revenue $2.0M (+2.2% YoY); loan income surges 55.6%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $2.0M, up 2.2% YoY; loan program income $0.8M, up 55.6% due to restructured PCCU agreement.","Operating expenses down 4.7% to $3.7M; net loss $1.8M vs $0.8M prior (prior included $1.1M non-cash benefit).","Cash $5.9M; stockholders' equity $6.7M vs deficit of ($16.9M) a year ago – balance sheet transformed.","Post-quarter: launched cannabis 401(k) plan, expanded lending platform; DOJ placed medical cannabis on Schedule III (April 2026).","Second Amended PCCU agreement extended through Dec 2031, raising Safe Harbor's share to 65%; expected $9M+ incremental revenue."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.43,"consensus_revenue_estimate":null,"consensus_revenue_actual":1975439.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":15601,"accession_number":"0001493152-26-022300","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-05-11T21:29:17+00:00","items":["5.02"],"status":"ready","headline":"SHF Holdings: Director Richard Carleton to not seek reelection; Klimas, Tonner join committees","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Richard Carleton informed board on May 8, 2026, he will not stand for reelection at 2026 annual meeting.","Tyler Klimas appointed to Audit, Compensation, and Nominating & Corporate Governance Committees; named chair of Nominating & Corporate Governance.","Sean Tonner appointed to Compensation and Nominating & Corporate Governance Committees; named chair of Compensation Committee.","Carleton's departure not due to any disagreement with the Company's operations, policies, or practices."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96283,"accession_number":"0001493152-26-021543","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-05-06T23:59:59+00:00","items":["8.01"],"status":"ready","headline":"SHFS lowers Series B conversion and warrant exercise price to $0.65 through July 2026","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Conversion price of Series B Preferred reduced to $0.65 from May 6 to July 31, 2026.","Cash exercise price of Series B Warrants reduced to $0.65, effective upon S-1 effectiveness until July 31, 2026.","Company will file S-1 to register common shares issuable upon warrant exercise at reduced price.","Board and Required Holder approved reductions and ability to delay periods if needed for compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96282,"accession_number":"0001493152-26-019774","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-04-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Safe Harbor (SHFS) expands cannabis lending platform with new financing products","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["New offerings include CRE, working capital, equipment, invoice, and bridge financing.","Platform aims to provide tailored capital solutions for licensed cannabis operators and ancillary businesses.","CEO Terry Mendez says expansion reflects commitment to addressing cannabis industry's unique financial constraints.","Follows recent launch of cannabis-focused 401(k) plan; part of broader infrastructure buildout.","Safe Harbor reports processing over $35 billion in cannabis-related depository funds across 41 states."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96281,"accession_number":"0001493152-26-018909","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-04-24T23:59:59+00:00","items":["3.01","5.02","8.01"],"status":"ready","headline":"SHF Holdings gets Nasdaq deficiency letter; loses court ruling on merger dispute","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Nasdaq notified SHF of non-compliance with $1.00 minimum bid price; 180-day cure period until October 19, 2026.","Sundie Seefried resigned from board; Tyler Klimas and Sean Tonner appointed as Class III and Class II directors, board expanded to six.","Court denied SHF's summary judgment in case regarding Merger Agreement amendment; granted counterclaim on breach for first anniversary payment; damages pending.","Court denied both parties' summary judgment on $3.0M second anniversary payment; SHF may seek resolution but funding constrained by equity line and preferred stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96280,"accession_number":"0001493152-26-018208","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-04-21T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"SHF Holdings launches 401(k) retirement plan for cannabis employers","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Plan is a pooled employer 401(k) for state-legal cannabis businesses and service providers.","Addresses market gap: traditional 401(k) providers often terminate plans for cannabis firms causing participant penalties.","Uses collective investment trusts structured to comply with applicable laws.","First adopting member is Safe Harbor itself; expands platform from banking/payroll to retirement.","Supports enrollment across cannabis and non-cannabis entities under a single plan."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96279,"accession_number":"0001493152-26-016961","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-04-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"SHF Holdings Q4 revenue up 12% sequentially, eliminates $18M debt, extends PCCU deal to 2031","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 revenue $2.1M (+12% QoQ); net loss $0.6M vs $51.7M loss in Q4 2024.","Eliminated substantially all $18M debt; equity positive $8.2M from $12.3M deficit.","Ended 2025 with $6.8M cash; PCCU agreement extended to 2031 with up to 65% loan income share.","Loan program income $0.9M in Q4 (+70% QoQ); full-year revenue $7.7M vs $15.2M in 2024.","Operating expenses down 72% YoY in Q4 to $3.3M; CEO cites 'operating leverage inflection'."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":96278,"accession_number":"0001493152-26-014460","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-04-01T23:59:59+00:00","items":["2.02","5.05","9.01"],"status":"ready","headline":"Safe Harbor Q4 rev $2.1M (+12% sequential); FY25 revenue down 50% to $7.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 2025 total revenue $2.1M, up 12% sequentially; loan program income $0.9M, up 71%.","Full year revenue $7.7M, down 50% from $15.2M in 2024 on lower loan income and account activity.","Debt eliminated in Sep 2025 recap; total debt $0 vs $18.3M at Dec 2024; cash $6.8M, up 192%.","Majority of material weaknesses remediated; PCCU CAA extended through 2031 at up to 65% income share.","Filed 12b-25 for late 10-K; audit ongoing, expects to file within 15-day extension."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110039,"accession_number":"0001493152-26-008653","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-03-03T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"SHF Holdings reports 29% YoY growth in emerging market deposits; total deposits up 4.5%","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Emerging US market average deposit balances increased 29% YoY for 12 months ended Feb 4, 2026.","Total average deposit balances rose 4.5% over the same period; emerging markets now 31% of total.","Growth includes over 100 new customer depository accounts, driven by states like NY, NJ, IL, FL, OH, KY.","Strategic focus on three categories: new licensing states, adult-use expansion, and operator footprint scaling."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":110038,"accession_number":"0001493152-26-005705","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2026-02-09T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Safe Harbor Financial extends PCCU alliance; expects $9M revenue boost through 2031","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amended Commercial Alliance Agreement extends term through Dec 2031, with automatic two-year renewals.","Safe Harbor receives up to 65% of loan interest income (was ~37%), driving ~$9M incremental revenue over term.","Asset hosting fee cut ~23% ($250K/yr), yielding $1.5M total cost savings over 6.25-year term.","Retroactive payment of ~$400K from PCCU effective Oct 1, 2025.","No loan defaults to date; Safe Harbor indemnifies up to 65% of net losses on defaulted loans."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126609,"accession_number":"0001493152-25-022010","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-11-12T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Safe Harbor Financial reports Q3 net profit, $24M recap, $6.8M cash","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Completed $24M recapitalization eliminating $19M debt; Nasdaq compliance re-established.","$6.8M cash as of Sep 30, fully received by Oct 8, funding next 12 months.","Q3 net income $179,508 ($0.06 diluted EPS) including $3.3M gain on settlement.","Average deposit balances $108M (+6% QoQ); active accounts 774 (+2% QoQ).","CEO Terry Mendez presenting at Trickle Research Conference Nov 13, to discuss growth strategy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126608,"accession_number":"0001493152-25-021369","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["5.03","5.07","7.01","9.01"],"status":"ready","headline":"Safe Harbor regains Nasdaq compliance, eliminates $18.8M debt, raises $6.8M capital","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Regained compliance with Nasdaq Rule 5550(b)(1) requiring $2.5M shareholders' equity.","Completed recapitalization raising $6.8M new cash and eliminating $18.8M debt; now essentially debt-free.","Established a $150M equity line of credit (expandable to $500M) to fund cannabis lending and growth.","Stockholders approved increase in authorized common shares from 130M to 1B and authorized reverse stock split (2:1 to 12:1).","CEO Terry Mendez oversaw restructuring, cut $3M+ annualized costs, and restructured board and management."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126607,"accession_number":"0001493152-25-018452","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-10-17T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"SHF Holdings amends warrant exercisability date to six months after Applicable Date","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["On Oct 14, 2025, SHF Holdings and each Buyer amended the Securities Purchase Agreement dated Sept 30, 2025.","Amended and restated warrants change initial exercisability from six months after Issuance Date to six months after Applicable Date.","No other warrant terms were modified; only a scrivener's error correction.","Warrant exercise price remains $7.7644 per share; warrant coverage is 50% of the original investment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":126606,"accession_number":"0001493152-25-016886","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-10-03T23:59:59+00:00","items":["1.01","5.03","3.01","3.02","9.01"],"status":"ready","headline":"SHF Holdings raises ~$28.8M via Series B Preferred and warrants; cancels ~$10.7M debt; regains Nasdaq equity compliance","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Issued 31,052 Series B Convertible Preferred shares and warrants for 1,999,544 common shares at $7.7644 exercise price; net cash proceeds ~$6.1M.","Cancelled ~$10.7M debt owed to Partner Colorado Credit Union in exchange for 13,436 Series B shares and warrants for 865,200 common shares.","Terminated Forward Purchase Agreement with Verdun, Vellar, Midtown by issuing Series B shares and warrants; no outstanding convertible debt post-closing.","Believes stockholders' equity now exceeds $2.5M, regaining compliance with Nasdaq Rule 5550(b)(1); awaits Nasdaq confirmation.","Management and board participated; issuance of common underlying Series B and warrants requires stockholder approval under Nasdaq Rule 5635(c)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143377,"accession_number":"0001493152-25-016307","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-09-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"SHF Holdings appoints three officers and reduces board size from 7 to 5","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Douglas Beck appointed Principal Accounting Officer; continues as SVP Finance, Controller; base salary $175,000 unchanged.","Michael Regan appointed Chief Investment & Strategy Officer and Jeffrey Kay appointed Chief Marketing Officer, effective Sept 24, 2025.","Board of directors approved reduction in size from 7 to 5 members on Sept 24, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143376,"accession_number":"0001493152-25-014636","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-09-23T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"SHF Holdings enters $150M equity purchase agreement with CREO Investments","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Total Purchase Commitment up to $150M, potentially expandable to $500M by mutual agreement.","Shares sold at 90% of the lower of lowest sale price or VWAP; per-purchase capped at $10M.","Exchange cap of 582,899 shares (19.99% of outstanding) unless stockholder approval or at-market pricing applies.","Company to issue $1.0M stated value preferred stock as commitment consideration to CREO.","Proceeds to be used for working capital and general corporate purposes; 36-month term."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143375,"accession_number":"0001493152-25-013202","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-09-12T23:59:59+00:00","items":["1.01","2.03","3.02"],"status":"ready","headline":"SHF Holdings issues additional $125K convertible note with 20% OID to accredited investor","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["On September 9, 2025, SHF Holdings issued a $125,000 convertible promissory note to an accredited investor.","Note carries 20% original issue discount and matures August 2026, identical to prior notes.","This adds to the $562,500 aggregate principal from the August 27, 2025 offering.","The note was sold in reliance on Section 4(a)(2) and Regulation D exemption."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143374,"accession_number":"0001641172-25-026139","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-09-02T23:59:59+00:00","items":["1.01","2.03","3.02","9.01"],"status":"ready","headline":"SHF Holdings closes $562,500 convertible note offering with 20% OID, due August 2026","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Aggregate principal $562,500, 20% original issue discount, maturity August 2026.","Conversion price is the lesser of two 20% discounts to VWAP; notes convertible at holder's option.","Investors receive piggyback registration rights for underlying common shares.","Notes issued to accredited investors under Section 4(a)(2) and Regulation D.","Company must use 20% of gross proceeds from a related purchase agreement to pay this note."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143371,"accession_number":"0001641172-25-025203","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K/A","filed_at":"2025-08-22T23:59:59+00:00","items":["4.02"],"status":"ready","headline":"SHF Holdings restates Q1 2025 results; stock-based comp error adds ~$500K to loss","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Restatement of Q1 2025 financials due to incorrect Black-Scholes inputs (expected term, stock price); increases operating expenses and net loss by ~$500K.","Audit Committee discussed the restatement with independent auditor MGO before filing.","Amended Form 10-Q for the three months ended March 31, 2025, was filed on August 14, 2025.","All previously issued earnings releases and investor communications for Q1 2025 should no longer be relied upon."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143373,"accession_number":"0001641172-25-024157","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["4.02"],"status":"ready","headline":"SHF Holdings restates Q1 2025 results; stock-based compensation error adds $500K to loss","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Company concludes Q1 2025 financials should no longer be relied upon due to incorrect Black-Scholes inputs for stock option awards.","Restatement increases previously reported operating expenses and net loss by approximately $500,000.","Amended Form 10-Q for quarter ended March 31, 2025 to be filed as soon as practicable.","Error involved incorrect expected term and stock price assumptions in option valuation model."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":143372,"accession_number":"0001641172-25-018749","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-07-11T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"SHF Holdings stockholders approve equity plan share increase to 626,749; reject governance proposal","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Elected Terrance E. Mendez (1,596,009 for) and Francis A. Braun III (1,546,223 for) as Class I directors.","Ratified Macias, Gini & O'Connell LLP as independent auditor for FY2025 (2,066,685 for).","Approved amendment to 2022 Equity Incentive Plan: shares increased from 351,858 to 626,749, with automatic annual increase to 15% of outstanding.","Rejected shareholder proposal to evaluate management/board performance and independence (1,181,295 against vs 450,985 for)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161529,"accession_number":"0001641172-25-012685","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-05-28T23:59:59+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"SHF Holdings enters waiver with PCCU to permanently terminate board designation rights; CLO resigns","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["PCCU forever waives its right to designate one Class I and three Class II directors on SHF's board.","PCCU is a related party with significant ownership, SHF's largest financial institution customer, and sole lending bank.","Chief Legal Officer Donald Emmi resigns effective June 6, 2025, for personal reasons, not due to any disagreement.","Waiver effective May 21, 2025; no amendment to certificate of incorporation."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161528,"accession_number":"0001641172-25-009049","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-05-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"SHF Holdings: Director Karl Racine resigns; Francis Braun III appointed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Karl Racine resigned as director and from Nomination and Governance Committee effective May 2, 2025; departure personal, no disagreement with company.","Board appointed Francis A. Braun III as Class I director same day; no committee assignments yet.","Braun has 40 years public accounting experience; currently consultant at KKR, senior advisor at Stout, director of Crown Bank.","Braun is a financial expert under SOX; will receive prorated standard outside director compensation.","No family relationships or reportable transactions involving Braun; no arrangement for selection."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161527,"accession_number":"0001641172-25-008431","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-05-02T23:59:59+00:00","items":["4.01","5.02"],"status":"ready","headline":"SHF Holdings changes auditor to MGO; CFO Dennedy resigns, CEO Mendez to serve as interim CFO","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit committee engaged Macias Gini & O'Connell LLP as independent auditor for FY2025, effective April 28, 2025.","CFO James Dennedy resigned effective June 6, 2025 for personal reasons; no disagreement with company.","CEO Terrance Mendez appointed as interim CFO effective upon Dennedy's departure.","Company will conduct executive search for new CFO."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161526,"accession_number":"0001641172-25-005442","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-04-18T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"SHF Holdings auditor Marcum resigns; cites going concern and material weaknesses","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Marcum LLP terminated auditor relationship with SHF Holdings effective April 14, 2025.","Marcum's reports for FY2023 and FY2024 included a going concern explanatory paragraph.","Material weaknesses existed in internal controls over revenue recognition, debt/equity accounting, going concern evaluation, and IT.","No disagreements with Marcum on accounting principles or audit scope during the engagement period.","Company appointed a replacement auditor on April 18, 2025; client acceptance process ongoing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161525,"accession_number":"0001641172-25-003018","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-04-07T23:59:59+00:00","items":["3.01","7.01"],"status":"ready","headline":"SHF Holdings regains bid price compliance but faces new Nasdaq equity deficiency","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["On April 1, Nasdaq notified SHF Holdings of imminent delisting for bid price non-compliance; hearing deadline April 8.","On April 7, Nasdaq confirmed bid price compliance regained for 10 consecutive business days above $1.00.","Also on April 7, Nasdaq cited non-compliance with $2.5M minimum shareholders' equity requirement as of Dec 31, 2024.","Company has 45 days to submit a compliance plan; no assurance Nasdaq will accept it.","Risk of delisting persists if equity deficiency unresolved; SHFS and SHFSW trade on Nasdaq."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":161524,"accession_number":"0001641172-25-001997","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-04-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"SHF Holdings reports FY 2024 net loss of $48.3M; loan interest income up 123%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["FY 2024 revenue $15.2M (down 13% YoY); net loss $48.3M includes $43.9M deferred tax valuation allowance and $9.1M impairment.","Loan interest income grew 123% to $6.6M (FY) and 82% to $1.8M (Q4); deposit and onboarding revenue declined.","Adjusted EBITDA positive for 3rd consecutive year at $2.9M; adjusted working capital ~$2M.","Amended PCCU note unlocks $6.4M cash flow over 2 years; debt maturity extended to Oct 2030.","CEO Terry Mendez assumed role Feb 28, 2025; company processed over $25B in cannabis funds."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":1932352.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179685,"accession_number":"0001493152-25-011002","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"SHF Holdings files 8-K to disclose investor call script; full script not available","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["CEO Terrance Mendez held investor call during March 13, 2025 special meeting.","Exhibit 99.1 script text is truncated and not fully provided in this filing.","No material operational or financial updates are evident from the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179684,"accession_number":"0001493152-25-010999","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-20T23:59:59+00:00","items":["3.03","5.03","9.01"],"status":"ready","headline":"SHF Holdings to effect 1-for-20 reverse stock split effective March 24, 2025","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Stockholders approved reverse split at special meeting on March 13, 2025.","Board set ratio at 1-for-20; Certificate of Amendment filed March 20.","Split effective 12:01 am ET March 24; trading begins on split-adjusted basis same day.","No change to authorized shares or par value; fractional shares rounded up for most holders.","CUSIP changes to 824430300; ticker remains SHFS; warrants SHFSW also adjusted."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179683,"accession_number":"0001493152-25-010297","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-14T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"SHF Holdings shareholders approve up to 1-for-20 reverse stock split","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Proposal passed with 41,784,116 votes for, 661,114 against, 200 abstained.","Board authorized to implement reverse split at a ratio not exceeding 1-for-20.","Quorum of 76.16% of outstanding shares was present at the March 13 special meeting.","Adjournment proposal was unnecessary once Proposal One received sufficient votes.","Details from definitive proxy statement filed March 3, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179682,"accession_number":"0001493152-25-010208","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-13T23:59:59+00:00","items":["7.01","8.01","9.01"],"status":"ready","headline":"SHF Holdings sets annual director cash fees and stock option awards; furnishes investor presentation","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Non-employee director cash fees: board chair $55k, audit chair $50k, comp chair $40k, nominating chair $35k, other directors $25k.","Each director awarded options for 232,558 shares of Class A common stock, vested March 3, 2025.","Special meeting of stockholders held March 13, 2025; company may use attached investor presentation for fiscal 2025, but no details disclosed.","No financial results, guidance, or M&A announced; director compensation is the only specific new policy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179681,"accession_number":"0001493152-25-009785","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-11T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Safe Harbor CEO Terry Mendez details PCCU debt modification, $6M cash freed, reverse split vote March 13","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["CEO Terry Mendez outlines vision to transform Safe Harbor from banking services provider into multi-faceted FinTech.","Company surpassed $25 billion in processed cannabis-related funds through partner banks over 10 years.","Debt modification with PCCU: two-year interest-only period, unlocking over $6M in cash that would have gone to principal amortization.","Debt modification extends maturity to Oct 2030, maintains interest rate at 4.25%.","Special shareholder meeting on March 13, 2025 at 4:30 p.m. ET to vote on reverse stock split for Nasdaq compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179680,"accession_number":"0001493152-25-009591","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-07T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"SHF Holdings Chief Strategic BD Officer Tyler Beuerlein resigns, effective Mar 17, 2025","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tyler Beuerlein resigned as Chief Strategic Business Development Officer, effective March 17, 2025.","Resignation not related to any disagreement with the Company or its operations, policies, or practices.","No successor or interim replacement has been announced in the filing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179679,"accession_number":"0001493152-25-009057","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"SHF Holdings amends $14.5M note to interest-only for 2 years, maturity extended to Oct 2030","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amended Note provides two-year interest-only period (incl. Feb & Mar 2025); 4.25% rate unchanged.","Expected to unlock over $6 million in cash flow that would have gone to principal amortization.","Maturity date extended to October 5, 2030.","PCCU President states modification supports Safe Harbor's long-term success."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179678,"accession_number":"0001493152-25-004593","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-02-03T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Safe Harbor Financial defers principal payments on $14.5M PCCU note for Feb-Mar 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Letter agreement with PCCU pauses principal payments for February and March 2025; interest continues.","Deferral improves liquidity by approximately $510,000; Company plans growth investments.","Parties discussing permanent modification of the 5-year note (original $14.5M at 4.25%).","No assurance that a final modification will be reached; no other changes to note terms."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179677,"accession_number":"0001493152-25-004094","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-01-29T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Safe Harbor Financial CEO Sundie Seefried to retire by Feb 28, 2025; Terry Mendez to become sole CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Sundie Seefried resigns as co-CEO effective Feb 28, 2025, remains on board.","Terry Mendez appointed co-CEO immediately, to become sole CEO upon Seefried's retirement.","Seefried's resignation is not due to any disagreement with the company.","Company signs three-year executive employment agreement with Terry Mendez.","Nominating Committee chair Karl Racine overseeing due diligence on CEO succession."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179676,"accession_number":"0001493152-25-003808","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-01-27T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"SHF Holdings appoints Terrance Mendez as Co-CEO alongside Sundie Seefried","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Terrance Mendez named Co-CEO effective Jan. 21, 2025; Sundie Seefried's title changed to Co-CEO.","Mendez receives annual base salary of $360,000 and options to purchase 654,000 shares vesting over three years.","Mendez previously CEO of Amos Advisory and CFO of 42 Degrees; background includes Hitachi Vantara and Arrow Electronics.","Employment agreement has a three-year term and includes a 10-month post-termination non-compete and non-solicit.","No familial relationships or material interests in transactions requiring disclosure under Reg S-K Item 404(a)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":179675,"accession_number":"0001493152-25-001242","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2025-01-07T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"SHF Holdings amends key PCCU revenue agreement through 2028; ex-CEO files arbitration","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Amended Commercial Alliance Agreement extends term to Dec 31, 2028, with 2-year auto-renewal.","New fee structure based on Constant Maturity US Treasury Rate and risk rating; removes prior 0.25% annual fee.","Eliminates per-account servicing fees and indemnification obligations; fixed fee based on average daily balance.","PCCU relationship accounted for $3.1M of $3.5M in deposits/activities revenue for 9mo 2024.","Former Chief Credit Officer Daniel Roda filed arbitration demand on Dec 31, 2024, regarding employment agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196423,"accession_number":"0001493152-24-051194","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"SHF Holdings files 8-K furnishing investor presentation; specific new business updates not disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Company furnished a December 2024 investor presentation under Item 7.01 on December 23, 2024.","Presentation may be used in meetings with investors and analysts during fiscal year ending December 31, 2024.","No financial results, guidance changes, or material events are described in the filing body or the attached exhibit (text not provided).","The filing does not contain quantitative updates on revenue, earnings, or segment performance."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196422,"accession_number":"0001493152-24-050828","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["2.04","8.01","5.02"],"status":"ready","headline":"SHF Holdings discloses CCO resignation and counterclaim in merger payment dispute","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Daniel Roda resigned as Chief Credit Officer, effective Dec 16, 2024.","On Dec 13, 2024, defendants filed counterclaim alleging breaches of Merger Agreement over $3M payment delay.","Counterclaim also asserts third-party claim against board Chairman Fred Niehaus.","Company had filed declaratory judgment complaint in Oct 2024 regarding the same $3M Merger Payment."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196421,"accession_number":"0001493152-24-044754","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Safe Harbor Q3 net income turns positive at $353K; loan income up 48% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $0.35M vs loss $0.7M YoY; revenue $3.5M down 19% from $4.3M.","Loan interest income up 48% to $1.3M; nine-month loan income up 143.5%.","Operating expenses down 13% to $3.3M; adjusted EBITDA down 27.4% to $0.76M.","Subsequent to Q3: originated $1.07M secured credit facility (first tranche of $5M commitment).","Cash $5.9M at Sept 30, 2024 vs $4.9M at Dec 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":11570964.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196420,"accession_number":"0001493152-24-042997","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"SHF Holdings to report Q3 2024 results on Nov 12, 2024 after market close","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Will report third quarter 2024 financial results on Tuesday, November 12, 2024 after market close.","Conference call at 4:30 p.m. ET on Nov 12; dial-in 646-307-1963 or 800-715-9871, passcode 1606405.","No financial results were released in this filing; details will be published after market close on Nov 12."],"consensus_eps_estimate":null,"consensus_eps_actual":0.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":11570964.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196419,"accession_number":"0001493152-24-041495","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-10-18T23:59:59+00:00","items":["2.04","8.01","5.02"],"status":"ready","headline":"SHF Holdings places CCO on leave, files lawsuit over $3M payment","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CCO Daniel Roda placed on paid administrative leave Oct 14, 2024 pending internal review.","CEO Sundie Seefried assumes Roda's responsibilities effective Oct 15; Roda's compensation unchanged.","Company filed declaratory judgment complaint Oct 17 in Denver court (Case No. 2024CV33187).","Lawsuit seeks resolution of $3,000,000 payment due Oct 5, 2024 under Abaca merger agreement.","Prior payments of $3M in 2022 and 2023 were made; current payment is disputed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196418,"accession_number":"0001493152-24-039571","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-10-04T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"SHF Holdings receives Nasdaq extension through March 2025 to meet $1 bid price","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Received additional 180-day period until March 31, 2025 to regain compliance with Nasdaq minimum bid price of $1.00.","Previously disclosed bid price deficiency in April 2024; must close at $1.00 or more for 10 consecutive business days.","If compliance not achieved by March 31, 2025, common stock subject to delisting; may consider reverse stock split.","No assurance of compliance; company will monitor and evaluate options, including a potential reverse split."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":196417,"accession_number":"0001493152-24-038934","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-10-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Safe Harbor Financial to attend Benzinga Cannabis Capital Conference Oct 8-9, 2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["CEO Sundie Seefried to speak on panel \"Cannabis Cash Flow: The Fed's Impact on Opportunities and Challenges\" at 10:10 a.m. CT on Oct 8.","Company will host one-on-one investor meetings throughout the conference.","Conference held in Chicago; no material financial or operational updates announced."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212719,"accession_number":"0001493152-24-038631","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-09-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"SHF Holdings files investor presentation via 8-K; content not available for review","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Regulation FD disclosure of an Investor Presentation dated September 2024.","Presentation attached as Exhibit 99.1, but full content is not provided in the filing text.","Company expects to use presentation in meetings with investors and analysts during FY 2024.","No financial or material specifics can be extracted from available documents."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212715,"accession_number":"0001493152-24-036930","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K/A","filed_at":"2024-09-18T23:59:59+00:00","items":["5.02","1.01","7.01","9.01"],"status":"ready","headline":"SHF Holdings enters amended CEO agreement: Seefried extended to Sep 2025, salary cut to $100k","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Sundie Seefried's employment term extended to September 28, 2025.","Annual base salary reduced to $100,000 from prior level.","Performance bonus based on increase in core revenue vs Q4 2023 baseline.","Accrued PTO through Aug 1, 2024 to be paid; no future PTO accrual.","Amendment corrects typo in prior filing: bonus multiplier changed from 1.35% to 1.15% (no economic impact)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212718,"accession_number":"0001493152-24-034913","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-09-04T23:59:59+00:00","items":["1.01","5.02","7.01","9.01"],"status":"ready","headline":"SHF Holdings extends CEO contract to Sept 2025 with reduced base salary, performance bonus tied to revenue growth","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Sundie Seefried's base salary reduced to $100,000; term extended to Sept 28, 2025.","Performance bonus tied to growth in core revenue from Q4 2023 baseline.","Dan Roda extended as Chief Credit Officer through June 30, 2025; Tyler Beuerlein term unchanged through Feb 2025.","Restructuring yields initial $350,000 cost savings from reduced base pay in favor of performance incentives."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":212717,"accession_number":"0001493152-24-034026","cik":1854963,"company_name":"SHF Holdings, Inc.","ticker":"SHFS","form_type":"8-K","filed_at":"2024-08-27T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"SHF Holdings amends exec comp for Beuerlein and Roda; salaries cut to $250k, incentives tied to revenue","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Tyler Beuerlein remains Chief Strategic Business Development Officer through Feb 8, 2025; base salary reduced to $250k plus incentive based on service income growth.","Daniel Roda transitions to Chief Credit Officer through June 30, 2025; base salary reduced to $250k plus incentive based on loan interest income growth.","Accrued PTO through Aug 1, 2024 to be paid in August; no future PTO accrual under amended agreements.","Amendments effective Aug 1, 2024, filed as exhibits 10.2 and 10.3 to the 8-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":3166567.3439709153,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2024-08-27T23:59:59+00:00|212717"}