{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-024066","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2026-05-18T11:45:35+00:00","discovered_at":"2026-05-18T11:47:23.088799+00:00","generated_at":"2026-05-18T11:48:23.931401+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"SHF Holdings Q1 revenue $2.0M (+2.2% YoY); loan income surges 55.6%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-024066","json":"https://secwatch.observer/filing/0001493152-26-024066.json","markdown":"https://secwatch.observer/filing/0001493152-26-024066.md","text":"https://secwatch.observer/filing/0001493152-26-024066.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226024066/0001493152-26-024066-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226024066/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T11:48:23.931401+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":[{"claim_id":"73b653aa4d7250b1a5ca022bc70d03c36d9cb21f","claim":"SHF Holdings, Inc. reported for the first quarter ended March 31, 2026 results: revenue $1,975,439, net income Net Loss $ (1,779,217 ).","evidence_excerpt":"$ 8,235,908 First Quarter 2026 Income Statement Highlights Three Months Ended March 31, 2026 (Unaudited) Three Months Ended March 31,2025 (Unaudited) Total Revenue $ 1,975,439 $ 1,932,352 Total Operating Expenses $ 3,738,795 $ 3,923,847 Operating Loss $ (1,763,356 ) $ (1,991,495 ) Net Loss $ (1,779,217 ) $ (827,199 ) ● Revenue was approximately $2.0","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226024066/0001493152-26-024066-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"for the first quarter ended March 31, 2026"},{"label":"Revenue","value":"$1,975,439"},{"label":"Net income","value":"Net Loss $ (1,779,217 )"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}