{"schema_version":"secwatch.filing_event.v1","accession":"0001493152-26-050636","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2026-11-09T13:15:25+00:00","discovered_at":"2026-11-09T13:20:00.364033+00:00","generated_at":"2026-11-09T13:20:07.530101+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Safe Harbor Q3 revenue $1.95M, net loss $979K; going-concern doubt, Nasdaq extension to April 2027","bullets":["Q3 revenue $1.95M (+6.5% YoY); loan program income $869K (+70.2%) as PCCU revenue share rose from ~35% to up to 65%, effective Oct 1, 2025.","Net loss $979K ($0.95/share) vs year-ago net income $180K, which included a $3.34M debt-extinguishment gain; operating loss narrowed 17.7% to $1.0M.","Going concern: cash $4.4M vs $6.78M at Dec 31, 2025; $4.05M operating cash burn in 9M 2026; no secured debt; equity line frozen while Opifex term sheet is in effect.","Oct 23, 2026 nonbinding term sheet with Opifex Media; Opifex holders would own ~85% of the combined company, existing SHF holders ~15% (range 12.5%-17.5%).","Nasdaq granted an additional 180 days, through April 19, 2027, to regain $1 bid compliance; 1-for-12 reverse split effective Sept 30, 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001493152-26-050636","json":"https://secwatch.observer/filing/0001493152-26-050636.json","markdown":"https://secwatch.observer/filing/0001493152-26-050636.md","text":"https://secwatch.observer/filing/0001493152-26-050636.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226050636/0001493152-26-050636-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000149315226050636/form8-k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-11-09T13:20:07.530101+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"}