Every material Form 8-K OppFi Inc. has filed with the SEC since September 21, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
OppFi withdrew its applications to the OCC, Federal Reserve and FDIC for its proposed acquisition of BNCCORP, Inc. and BNC National Bank. The Merger Agreement dated April 28, 2026 has not been terminated and remains in effect, but the withdrawal means the regulatory path to completing the deal is now uncertain. OppFi also reaffirmed its revised full-year 2026 guidance.
OppFi withdrew applications to the Office of the Comptroller of the Currency, the Federal Reserve and the FDIC related to the BNCCORP, Inc. (OTCQX: BNCC) acquisition.
The Merger Agreement dated April 28, 2026 has not been terminated and remains in effect as of the filing date.
OppFi said it did not have a meaningful opportunity to address regulators' potential concerns and intends to engage regulators on clearer standards.
Full-year 2026 guidance reaffirmed: total revenue of $600 million to $610 million and adjusted EPS of $1.34 to $1.40.
OppFi reported third-quarter 2026 results for the period ended September 30, 2026, with total revenue and profit both lower than a year earlier. The company also refined its full-year 2026 guidance, now calling for total revenue of $600 million to $610 million and adjusted EPS of $1.34 to $1.40, and said it launched a new line of credit product during the quarter.
Q3 total revenue was $149.2 million, down 3.8% from $155.1 million a year earlier.
Q3 net income attributable to OppFi Inc. was $34.5 million, down 17.2% from $41.6 million; diluted EPS was $0.40 versus $0.77.
Q3 adjusted EPS was $0.37, down 20.1% from $0.46; full-year 2026 adjusted EPS guidance is $1.34 to $1.40.
OppFi Inc. disclosed that a subsidiary borrowed $75.0 million under a senior secured multi-draw term loan dated August 10, 2026, with a fixed rate of 12.50% per annum before its pending BNCCORP acquisition closes. The company said the proceeds will support growth in finance receivables and for working capital and general corporate purposes. Shareholders should note the loan carries a 1.25% original issue discount, semi-annual amortization and covenants, and that a further $25.0 million remains available through February 10, 2027.
Initial borrowing of $75.0 million on September 15, 2026; maximum commitment $100.0 million
Fixed rate of 12.50% per annum before the BNCCORP acquisition closes, rising to 13.50% after
Maturity is four years from September 15, 2026; loans require semi-annual amortization of 10% of principal
BNCCORP stockholders adopted the merger agreement at a special meeting on September 17, 2026; regulatory approvals remain pending
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
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