{"schema_version":"secwatch.filing_event.v1","accession":"0001641172-25-001997","form_type":"8-K","ticker":"SHFS","cik":"0001854963","company_name":"SHF Holdings, Inc.","filed_at":"2025-04-01T23:59:59+00:00","discovered_at":"2026-05-14T18:02:50.181844+00:00","generated_at":"2026-05-24T01:08:13.889071+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"SHF Holdings reports FY 2024 net loss of $48.3M; loan interest income up 123%","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001641172-25-001997","json":"https://secwatch.observer/filing/0001641172-25-001997.json","markdown":"https://secwatch.observer/filing/0001641172-25-001997.md","text":"https://secwatch.observer/filing/0001641172-25-001997.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1854963/000164117225001997/0001641172-25-001997-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1854963/000164117225001997/form8-k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-24T01:08:13.889071+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"}