secwatch.observer — SEC 8-K summary
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Issuer:     SHF Holdings, Inc. (SHFS)
CIK:        0001854963
Form:       8-K
Filed at:   2026-04-01T23:59:59+00:00
Accession:  0001493152-26-014460
Event type: earnings
Sentiment:  neutral
Materiality: 0.70
Item codes: 2.02, 5.05, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Safe Harbor Q4 rev $2.1M (+12% sequential); FY25 revenue down 50% to $7.7M
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- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1854963/000149315226014460/0001493152-26-014460-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1854963/000149315226014460/form8-k.htm
  HTML page:      https://secwatch.observer/filing/0001493152-26-014460

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer