{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-24-044754","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2024-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:10.083142+00:00","generated_at":"2026-05-30T02:14:31.317029+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Safe Harbor Q3 net income turns positive at $353K; loan income up 48% YoY","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-24-044754","json":"https://secwatch.observer/filing/0001493152-24-044754.json","markdown":"https://secwatch.observer/filing/0001493152-24-044754.md","text":"https://secwatch.observer/filing/0001493152-24-044754.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000149315224044754/0001493152-24-044754-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000149315224044754/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T02:14:31.317029+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}