{"filings":[{"id":116371,"accession_number":"0001437749-25-037549","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-12-11T23:59:59+00:00","items":["3.01","8.01","9.01"],"status":"ready","headline":"Old Market Capital to voluntarily delist from NASDAQ, transition to OTC","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved voluntary delisting from NASDAQ; Form 25 to be filed Dec 22, 2025; effective Jan 2, 2026.","Shares expected to trade on OTCID Basic Market under symbol OMCC starting Jan 2, 2026.","Company to suspend SEC reporting obligations; still plans quarterly earnings releases via investor portal.","CEO Jeff Royal cites cost savings, low trading volumes, and regulatory burdens as reasons for delisting.","Old Market Capital restructured in 2024; now holds controlling interest in broadband firm Amplex Electric."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116370,"accession_number":"0001437749-25-037398","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-12-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Old Market Capital authorizes $7M share repurchase program","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved up to $7M aggregate repurchase of outstanding common stock.","Repurchase program has no expiration date.","Repurchases may be made in open market, privately negotiated, or other methods.","Company not obligated to buy any specific number; program may be modified or terminated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.45,"calibrated_materiality_score":0.45,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116369,"accession_number":"0001437749-25-036667","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-12-02T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Old Market Capital invests additional $4M in Amplex Holdings via subscription agreement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Invested $4M for 4,297 shares of Amplex common stock at ~$930.84/share.","Transaction contemplated by Stockholders Agreement from June 2024.","Shares are restricted, not registered under Securities Act.","No material change to existing governance or control."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":116368,"accession_number":"0001437749-25-035202","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-11-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Old Market Capital Reports Q2 Fiscal 2026 Results; Net Loss Narrows to $1.5M on Revenue Growth","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Total revenue for six months ended Sep 30, 2025 was $6.19M, up 79.7% from $3.45M a year ago.","Net loss from continuing operations narrowed to $1.5M ($0.24 per share) from $4.0M ($1.02 per share).","Telecom segment Adjusted EBITDA rose 247% to $1.55M; fiber subscribers grew 33% to 5,200.","Fiber passings increased 47.5% to 14,600; company drew $2.4M on RUS loan of $21.3M at 2%.","Depreciation and amortization rose 157% to $1.5M due to fiber network asset installations."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.22,"consensus_revenue_estimate":null,"consensus_revenue_actual":6193000.0,"consensus_period":"2026-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132817,"accession_number":"0001193125-25-201492","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-09-12T23:59:59+00:00","items":["5.03","5.07","9.01"],"status":"ready","headline":"Old Market Capital changes fiscal year to Dec 31, reports annual meeting results","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Bylaws amended to change fiscal year end from March 31 to December 31, effective Oct 1, 2025.","Transition report on Form 10-KT will cover Apr 1–Dec 31, 2025.","Annual meeting held Sept 8; 82.23% of shares represented; all director nominees elected.","Ratified Forvis Mazars as independent auditor for fiscal year ending March 31, 2026.","Advisory vote on executive compensation passed with 5.2M votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132816,"accession_number":"0000950170-25-108818","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-08-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Old Market Capital Q1 revenue up 520% to $3.0M; net loss narrows to $0.7M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $3.0M (520% YoY) from wireless ($1.7M) and fiber ($0.9M) internet; net loss $0.7M vs $3.3M prior year.","EPS loss from continuing ops $0.12 vs $0.79 YoY; telecom segment Adjusted EBITDA $665K vs -$520K.","Fiber subscribers up 30% to 4,800; fiber passings up 37% to 13,000; wireless subs down 7.7% to 8,400.","RUS loan draw total $1.5M at 2% fixed rate; 3-year deferral; used for Ohio fiber buildout.","Total broadband subscribers 13,200; Amplex added ~400 subs since June 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":3034000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":132815,"accession_number":"0000950170-25-096348","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Old Market Capital invests $4.5M in Amplex Holdings under existing agreement","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Invested $4.5M for 4,120 shares of Amplex Common Stock at ~$1,092.26 per share.","Transaction governed by Stockholders Agreement dated June 15, 2024 with Amplex and Mark Radabaugh.","Shares are restricted securities; subject to lock-up under Stockholders Agreement.","Follows OMCC's initial investment in Amplex from June 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":149355,"accession_number":"0000950170-25-091120","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-06-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Old Market Capital reports FY2025 net loss of $5.1M; continuing ops loss of $8.4M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Fiscal 2025 revenue from continuing ops $9.4M (vs $0 prior year) driven by acquisition of Amplex.","Net loss attributable to common shareholders $5.1M, improving from $20.8M loss in FY2024 due to reduced discontinued ops loss.","Continuing operations net loss $8.4M, up from $6.1M; operating expenses up 161% to $16.3M.","Amplex added 240 subscribers since acquisition; total broadband customers now 13,000; fiber passings up 28.5%.","Secured $21.3M RUS loan at 2% for fiber buildout, with $0.6M drawn; deferral until Oct 2027."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.11,"consensus_revenue_estimate":null,"consensus_revenue_actual":3034000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":168434,"accession_number":"0000950170-25-020488","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2025-02-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Old Market Capital narrows Q3 loss to $0.1M; Amplex revenue $3M, draws $0.6M from RUS loan","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $0.1M vs $11.7M YoY; diluted EPS -$0.04 vs -$1.60.","Amplex revenue $3M; total operating expenses $3.7M (+106% YoY) from Amplex costs and restructuring.","Book value per share $8.11 vs $8.07 at March 31, 2024.","Amplex drew $0.6M from $21.3M RUS loan at 2% interest, proceeds for fiber build-out in Ohio.","Nine-month net loss $4.1M vs $20.6M; operating expenses $12M (+145% YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.64,"consensus_revenue_estimate":null,"consensus_revenue_actual":6415000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185561,"accession_number":"0000950170-24-138488","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-12-19T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Old Market Capital invests additional $4.5M in Amplex Holdings","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Invested $4.5M for 2,583 shares of Amplex Holdings common stock at ~$1,742.13/share.","Transaction was contemplated by Stockholders Agreement dated June 15, 2024.","Investment increases Old Market Capital's ownership stake in Amplex Holdings."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185560,"accession_number":"0000950170-24-125803","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-11-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Old Market Capital narrows Q2 net loss to $0.45M; Amplex adds $3M revenue","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss attributable to common shareholders of $0.45M vs. $10.5M in Q2 2023; EPS improved to ($0.07) from ($1.44).","Amplex Electric contributed ~$3M revenue and $410K income for the quarter.","Amplex received $21.3M RUS Loan approval, drawable over the next 5 years.","Total operating expenses rose 147.5% to $3.98M due to restructuring and acquisition costs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":185559,"accession_number":"0000950170-24-123232","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"Old Market Capital subsidiary awarded $21.3M USDA broadband loan at 2% interest","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amplex Electric receives formal USDA approval for up to $21,341,792 loan under ReConnect Program.","Loan carries 2% annual interest; principal and interest deferred for three years, due Oct 31, 2046.","Funds to build fiber broadband in Ottawa and Sandusky County, Ohio over five years.","Loan secured by all Amplex assets; draws available until Oct 31, 2029.","Company transitions from consumer finance to holding company; this is first major project for the new strategy."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202146,"accession_number":"0000950170-24-109986","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-09-27T23:59:59+00:00","items":["5.02","5.03","5.07","7.01","8.01","9.01"],"status":"ready","headline":"Nicholas Financial appoints Jeffrey Royal as CEO, changes name to Old Market Capital and ticker to OMCC","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael Rost departed as CEO on Sept 27, 2024; no disagreements, company exiting auto finance.","Jeffrey Royal, former Chairman, appointed CEO with $300k annual base salary paid in stock, 2-year term.","Company renamed to Old Market Capital Corporation; ticker changes from NICK to OMCC effective Sept 30.","Headquarters relocated from Clearwater, FL to Omaha, NE (1601 Dodge St., Suite 3350).","Company invested in 56.47% of Amplex (Ohio broadband) and secured ~$20M RUS loan at 2% interest."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202143,"accession_number":"0000950170-24-101833","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K/A","filed_at":"2024-08-29T23:59:59+00:00","items":["9.01","7.01"],"status":"ready","headline":"Nicholas Financial (NICK) files Amplex Electric financials; FY23 revenue $10.8M, net income $992K","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired 51% of Amplex Electric for $18.4M cash on June 15, 2024; later increased to 56.5% via additional $3.0M and debt conversion.","Amplex FY2023 (Oct 31): revenue $10.79M, net income $0.99M, total assets $17.05M.","Amplex FY2022: revenue $9.47M, net income $1.16M.","Historical audited financials of Amplex for FY2023 and FY2022 provided; pro forma statements also filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202145,"accession_number":"0000950170-24-100874","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-08-27T23:59:59+00:00","items":["3.01"],"status":"ready","headline":"Nicholas Financial received Nasdaq non-compliance notice for late 10-Q; compliance regained same week","summary_kind":"llm","event_type":"regulatory","confidence":"high","bullets":["Nasdaq notified NICK on Aug 21, 2024 of non-compliance with Listing Rule 5250(c)(1) due to untimely June 30, 2024 10-Q.","Company had 60 days to submit a compliance plan; instead filed the 10-Q on Aug 26, 2024, within the cure period.","Nasdaq confirmed on Aug 27, 2024 that NICK is now in compliance; no impact on listing of common stock."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":202144,"accession_number":"0000950170-24-079651","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial Q4 net loss narrows to $1.3M; acquires 51% of Amplex Electric for $11.6M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $1.3M ($0.19 dil EPS) for quarter ended Mar 31, 2024 vs $15.8M ($2.18) a year ago.","Full-year net loss $20.8M ($2.86 dil EPS) vs $34.1M ($4.65) in fiscal 2023.","Acquired 51% of Amplex Electric for $11.56M cash on June 15, 2024; paid additional $3M for extra shares.","Loan portfolio sale to Westlake Financial in progress; recorded $17.3M valuation allowance on finance receivables held for sale.","Interest and fee income fell 55.5% to $3.9M for Q4; loan originations discontinued."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":489000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218191,"accession_number":"0000950170-24-075993","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-06-21T23:59:59+00:00","items":["1.01","2.01","9.01"],"status":"ready","headline":"NICK acquires 56.5% of Amplex Electric for $37.5M cash; enters CEO agreements","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquired 56.5% stake in Amplex Electric, an Ohio rural broadband provider, for $37.5M in cash.","Amplex has over 9,100 fixed wireless customers, 9,000 fiber passings, and 3,500 fiber customers.","CEO Mark Radabaugh retains 43.5% and will continue to lead; receives $170K salary and severance of 6 months.","NICK has call option to acquire up to 80% of Radabaugh's remaining equity starting year 2; Radabaugh put option starting year 5.","Acquisition funded from available cash on hand; financial statements to be filed by amendment within 71 days."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218190,"accession_number":"0000950170-24-072439","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-06-12T23:59:59+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"CFO Irina Nashtatik resigns; 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fully funded from available cash, no external financing required.","Acquisition of approximately 53% of Amplex expected to close in Q3 2024, subject to regulatory approvals.","Amplex CEO Mark Radabaugh retains significant equity; put/call option enables Nicholas to acquire up to 80% of his remaining stake.","Amplex has over 9,100 fixed wireless broadband customers, 9,000 fiber passings, and 3,500 fiber customers.","Nicholas plans additional capital investment to fund fiber network build-out, increasing ownership percentage."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218188,"accession_number":"0000950170-24-051408","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-05-01T23:59:59+00:00","items":["2.01","9.01"],"status":"ready","headline":"Nicholas Financial closes $65.6M asset sale to Westlake Services; receives net cash of $40.6M","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Completed sale of substantially all motor vehicle retail installment contracts and unsecured consumer loan contracts to Westlake Services.","Total purchase price $65,617,598; net cash proceeds after adjustments $40,633,835.","Retained $25,894,206 in principal and interest cash payments collected prior to closing that otherwise would have been paid to Westlake.","Exit of consumer loan origination business; servicing had been handled by Westlake affiliate since Nov 2022."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218187,"accession_number":"0000950170-24-047348","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-04-24T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Nicholas Financial completes domestication from British Columbia to Delaware","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Filed Certificate of Corporate Domestication and Certificate of Incorporation in Delaware on April 18, 2024.","Company changed jurisdiction from British Columbia, Canada to the State of Delaware.","Domestication approved via Registration Statement on Form S-4 and Proxy Circular/Prospectus filed with SEC.","Delaware Certificate of Incorporation and Bylaws adopted; executed by CFO Irina Nashtatik."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":218186,"accession_number":"0000950170-24-045749","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-04-19T23:59:59+00:00","items":["5.07","7.01","8.01","9.01"],"status":"ready","headline":"Shareholders approve sale of substantially all assets and domestication to Delaware","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Domestication from British Columbia to Delaware approved: 5,586,184 for, 653,004 against, 3,087 abstain.","Sale of all or substantially all undertakings approved: 5,571,690 for, 653,134 against, 17,451 abstain.","Domestication effective April 19, 2024; shares to trade on Nasdaq under 'NICK' starting April 22.","New CUSIP: 65373A109; par value changes from no par to $0.01 per share.","Exact terms of the sale transaction not disclosed in this filing; further details in S-4 registration statement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238169,"accession_number":"0000950170-24-024439","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-03-04T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Nicholas Financial extends CEO Michael Rost's employment agreement through May 31, 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Term of CEO Michael Rost's Employment Agreement mutually extended to May 31, 2024.","All other terms of the agreement remain unchanged as previously disclosed.","Parties may mutually extend for one additional three-month period."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238168,"accession_number":"0000950170-24-015038","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-02-14T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Nicholas Financial sets special shareholder meeting for April 15, 2024","summary_kind":"llm","event_type":"other","confidence":"medium","bullets":["Record date for notice and voting is March 11, 2024.","Meeting will be held in Omaha, NE; type is Special Meeting of Shareholders.","The filing does not disclose the purpose of the special meeting."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":238167,"accession_number":"0000950170-24-014524","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2024-02-13T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial Q3 FY2024 net loss $11.7M; loan portfolio sale to Westlake pending","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $11.7M ($1.60/share) vs $13.4M loss ($1.85) prior year; interest income down 55.8% to $5.0M.","Net charge-off rate surged to 34.8% from 16.6%; $19.5M valuation allowance recorded on portfolios reclassified to held for sale.","Operating expenses cut 59.2% to $4.0M; payroll down 76.9% as branch closures and outsourcing continue under restructuring.","Company seeks shareholder approval to sell substantially all auto finance contracts to Westlake Services (Nov 13, 2023 agreement).","Nine-month net loss $20.6M ($2.83/share); originations fell to $5.5M, credit facility fully repaid."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.83,"consensus_revenue_estimate":null,"consensus_revenue_actual":0.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":255619,"accession_number":"0000950170-23-065149","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-11-20T23:59:59+00:00","items":["2.05","1.01","9.01"],"status":"ready","headline":"Nicholas Financial to cut 63% of workforce, close Rock Hill hub","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Reduction of ~63% of full-time employees and closure of central operations hub in Rock Hill, SC.","Expected total charges of $0.2M-$0.4M cash; non-cash impairment of ~$0.1M on lease obligations.","Decision made Nov 14, 2023; charges expected mostly in Q3 FY2024.","Restructuring follows Master Asset Purchase Agreement reported on Nov 17, 2023 (Item 1.01)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":255618,"accession_number":"0000950170-23-064652","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-11-17T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Nicholas Financial to sell nearly all assets to Westlake for ~$65.6M ($9.00/book share)","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Purchase price ~$65.6M for motor vehicle retail installment contracts and unsecured consumer loans; price subject to adjustment.","Transaction equals approximately $9.00 book value per share; closing requires shareholder approval.","Company will cease new originations; WPM to continue servicing until closing.","After closing, company plans to explore strategic alternatives for proceeds and maximize deferred tax assets.","Closing also contingent on settlement of existing litigation (Nicholas Financial v. Jeremiah Gross) reasonably satisfactory to Westlake."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":255617,"accession_number":"0000950170-23-063620","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-11-14T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial to sell substantially all assets to Westlake for ~$65.6M; Q2 net loss widens","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Nicholas Financial agreed to sell substantially all assets (Contracts and Receivables) to Westlake for ~$65.6M (~$9.00/book value); closing subject to shareholder approval.","Q2 net loss widened to $10.5M from $3.2M YoY; diluted EPS -$1.44 vs -$0.44.","Interest & fee income fell 48.3% to $6.3M; provision for credit losses rose 39.3% to $12.4M.","Company ceased new originations; net charge-off rate soared to 58.2% from 12.4% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":273072,"accession_number":"0000950170-23-044979","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-08-29T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Nicholas Financial shareholders re-elect director, ratify auditors at 2023 AGM","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Jeremy Q. Zhu re-elected with 3,644,632 votes for, 991,530 withheld, and 1,397,203 broker non-votes.","FORVIS, LLP ratified as auditors with 6,019,401 for, 2,010 abstain, 11,954 against.","Advisory 'Say on Pay' passed with 4,625,515 for, 5,951 abstain, 4,696 against.","Company will hold advisory votes on executive compensation every year based on 4,330,727 votes for 1-year frequency.","Directors continuing: Jeffrey Royal, Mark R. Hutchins, Brendan J. Keating, Adam K. Peterson."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":273071,"accession_number":"0000950170-23-042930","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-08-16T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial returns to profitability; Q1 net income $1.6M, EPS $0.21","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income of $1.6M ($0.21 diluted EPS) vs net loss of $1.8M ($0.24 loss per share) in prior year.","Interest and fee income fell 41.3% to $7.1M from $12.1M; operating expenses decreased 55.3%.","Provision for credit losses fell 82.3% to $0.6M, aided by adoption of ASU 2016-13 (CECL); net charge-offs increased to 9.6%.","Completed restructuring; originated $2.7M in finance receivables, reduced debt by $13.9M during the quarter.","CEO cites focus on reducing expenses and freeing up capital to increase shareholder returns."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":7083000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":273070,"accession_number":"0000950170-23-042844","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-08-15T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Nicholas Financial extends CEO Michael Rost's contract through Feb 29, 2024, with $100K bonus structure","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Michael Rost's employment term extended to February 29, 2024, with two possible 3-month extensions by mutual consent.","Base salary remains $250,000 unchanged; bonus terms revised: $25,000 payable by Sept 9, 2023, and $75,000 within 30 days after term end.","$75,000 post-term bonus forfeited if CEO resigns voluntarily or is terminated for cause before Feb 29, 2024.","Stock purchase matching program (Section 3(e)) eliminated from the agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289916,"accession_number":"0000950170-23-030797","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-06-29T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Nicholas Financial sets Aug 24 annual meeting; record date July 20","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual General Meeting scheduled for August 24, 2023 in Omaha, NE.","Record date for notice and voting is July 20, 2023.","Issuer is sending proxy materials directly to non-objecting beneficial owners (NOBO).","Voting security: Common stock (CUSIP 65373J209, ISIN CA65373J2092)."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":289915,"accession_number":"0000950170-23-029127","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-06-21T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial reports Q4 net loss of $15.8M; charge-off rate spikes to 30.93%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $15.8M ($2.18 loss per share) vs net income of $0.4M ($0.05 EPS) YoY.","Interest and fee income fell 29.4% to $8.7M from $12.3M.","Provision for credit losses surged 727.5% to $17.4M; net charge-off rate 30.93%.","Closed all brick-and-mortar branches; incurred $0.8M restructuring expenses in quarter.","FY2023 net loss of $34.1M ($4.65 per share) vs net income of $3.0M ($0.39) prior year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":310866,"accession_number":"0000950170-23-002356","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-02-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial reports Q3 net loss of $13.4M; restructures and halts direct loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $13.4M (diluted EPS -$1.85) vs $0.7M loss prior year.","Discontinued direct consumer loans; new contract originations fell 76.8% YoY.","Provision for credit losses rose 541.6% to $10.7M from $1.7M.","Restructuring expenses of $3.2M in Q3 ($4.0M YTD) from branch closures and severance.","Outsourced loan servicing to Westlake Portfolio Management; new credit facility in Jan 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.49,"consensus_revenue_estimate":null,"consensus_revenue_actual":35646000.0,"consensus_period":"2022-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":310865,"accession_number":"0000950170-23-001040","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2023-01-24T23:59:59+00:00","items":["1.01","1.02","2.03","8.01"],"status":"ready","headline":"Nicholas Financial enters $50M Westlake credit facility, terminates $43M Wells Fargo debt, cuts workforce to 18","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $50M senior secured revolving credit facility with Westlake Capital Finance; SOFR + margin, advance rate 70-85% of eligible receivables, two-year maturity.","Proceeds used to refinance and terminate existing $175M Wells Fargo line; outstanding balance of ~$43M repaid in full with no termination penalties.","Expected interest payments on new facility for quarter ending March 31, 2023: $0.7M to $0.9M.","Company continues restructuring: workforce reduced to 18 employees as of Jan 18, 2023; scaling down auto finance originations and no longer originating direct consumer loans.","Company expects restructuring to free up capital for potential acquisitions or investments outside traditional business; timeframe remains uncertain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329470,"accession_number":"0000950170-22-026317","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-12-12T23:59:59+00:00","items":["1.01","2.03"],"status":"ready","headline":"Nicholas Financial cuts credit facility to $60M, maturity to May 2023","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Credit facility reduced from $175M to $60M; advance rate lowered to 50% of eligible receivables.","Maturity shortened from Nov 5, 2024 to May 31, 2023; default interest rate waived.","$0.3M non-refundable restructuring costs incurred; prior default event waived."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329469,"accession_number":"0000950170-22-022210","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial reports Q2 net loss of $3.2M; charge-offs surge to 12.4%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss of $3.2M ($0.44 diluted EPS loss) vs net income of $1.6M ($0.21 EPS) YoY.","Interest and fee income $12.2M, down 2.6% YoY; provision for credit losses up 538% to $8.9M.","Net charge-off rate rose to 12.4% from 4.9% YoY, driven by portfolio normalization.","Originations in new contracts purchased rose 1.1% vs last year; portfolio yield declined to 27.4%.","CEO emphasizes focus on servicing portfolio, reducing expenses, and regaining profitability."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.68,"consensus_revenue_estimate":null,"consensus_revenue_actual":24379000.0,"consensus_period":"2022-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329468,"accession_number":"0000950170-22-021926","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-11-03T23:59:59+00:00","items":["1.01","8.01","2.05","9.01"],"status":"ready","headline":"Nicholas Financial to close 34 branches, cut 82% of workforce, outsource servicing to Westlake","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Closes 34 of 36 branches; workforce reduction of ~173 employees (82%).","Total expected charges $11.1M-$12.4M (cash $11M-$12.3M; $0.1M non-cash lease impairment).","Outsources servicing, collections and recovery to Westlake Portfolio Management; expects significant annual cost savings.","Company to continue auto finance purchase/origination under regionalized model; CEO says savings to pay down Wells Fargo line.","Servicing agreement with Westlake includes boarding and monthly fees; early termination fee exceeds $1M."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":329467,"accession_number":"0000950170-22-020230","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-10-27T23:59:59+00:00","items":["2.04"],"status":"ready","headline":"Nicholas Financial in default on loan; Wells Fargo imposes default rate interest","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Default due to EBITDA ratio covenant failure for month ending August 31, 2022.","Default rate of interest effective Aug 31, 2022; additional ~$130k interest for Q3 2022 and ~$118k/month thereafter.","Lenders reserve right to accelerate all obligations under the loan agreement.","Company is working with Wells Fargo to address default and negotiating refinancing with an alternative source.","Default driven by increased provisions for credit losses as COVID-19 assistance subsided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347071,"accession_number":"0000950170-22-018553","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-09-15T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Nicholas Financial enters CEO employment agreement with Michael Rost through Aug 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Base salary no less than $250k, with bonus determined by Compensation Committee.","Stock purchase matching up to $50k per year; matching stock vests over 3 years.","Severance: 100% of base salary plus benefits for one year if terminated without cause.","Non-compete clause applies for one year after termination; equity accelerates on Change of Control.","Agreement runs to August 29, 2023, with automatic renewal option for an additional year."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347070,"accession_number":"0000950170-22-017915","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-08-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Nicholas Financial appoints Michael Rost as permanent CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Michael Rost appointed CEO on August 30, 2022, effective immediately.","Rost had served as interim CEO since May 2022 after prior roles including VP of Branch Operations.","Rost has over 20 years at the company, previously District Manager and Branch Manager.","No departure of prior CEO disclosed; Rost's appointment formalizes interim role."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347069,"accession_number":"0000950170-22-017875","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-08-30T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Nicholas Financial AGM: all director nominees elected, say-on-pay approved","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Adam K. Peterson received 4,290,816 votes for, 330,751 withheld as director.","Mark R. Hutchins received 3,239,762 votes for, 1,381,805 withheld as director.","Brendan J. Keating received 3,407,657 votes for, 1,213,910 withheld as director.","Advisory vote on executive compensation passed: 4,539,890 for, 801 against, 80,866 abstain.","No broker non-votes on any item; all directors continued in office."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347068,"accession_number":"0000950170-22-017872","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-08-30T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Nicholas Financial presents investor slide deck at AGM; no new material disclosures in filing text","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Filed under Item 7.01; slide deck attached as Exhibit 99.1 but text not provided in filing.","No specific financial guidance, earnings results, or operational updates included in 8-K body.","Presentation likely covers existing strategy; no concrete new information for investors.","Confidence low due to lack of extractable facts from the exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347067,"accession_number":"0000950170-22-017554","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-08-17T23:59:59+00:00","items":["4.01","9.01"],"status":"ready","headline":"Nicholas Financial dismisses RSM, appoints FORVIS as new independent auditor","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Audit Committee approved engagement of FORVIS as new independent auditor effective August 15, 2022.","RSM US LLP dismissed; their audit reports for FY 2022 and 2021 were unqualified with no adverse opinions.","No disagreements with RSM on accounting principles or audit scope during the past two fiscal years.","Prior material weaknesses in internal control over financial reporting were remediated as of March 31, 2021.","No consultation with FORVIS before engagement on any accounting or audit matters."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347066,"accession_number":"0000950170-22-013511","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial reports Q1 net loss of $1.8M; originations up but expenses rising","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $1.8M vs net income $1.7M YoY; diluted EPS -$0.24 vs $0.22.","Interest and fee income $12.1M, down 4.2% YoY, plus $0.8M unrealized loss on equity investments.","Originations up 10.1% on contracts and 43.2% on direct loans; total $30.6M originated.","Branch consolidation plan announced July 2022 to reduce operating expenses amid rising delinquencies.","Finance receivables grew $1.3M to $30.6M; total loan portfolio $173.7M."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.24,"consensus_revenue_estimate":null,"consensus_revenue_actual":11277000.0,"consensus_period":"2022-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347065,"accession_number":"0000950170-22-012923","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-07-22T23:59:59+00:00","items":["5.02","7.01","9.01"],"status":"ready","headline":"Nicholas Financial extends CFO Irina Nashtatik's employment through June 2024","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Employment agreement extension effective July 21, 2022 through June 30, 2024.","Base salary of $220,000 with bonus determined by Compensation Committee.","Stock matching program: company matches up to $50,000 in stock purchases per year, vesting over 3 years.","Severance of 0.75x salary (or full salary after change of control) plus up to 12 months benefits.","One-year non-compete clause applies post-termination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":347064,"accession_number":"0000950170-22-012768","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-07-18T23:59:59+00:00","items":["2.05"],"status":"ready","headline":"Nicholas Financial to close 11 branches (23% of network), cut 44 jobs; expects $0.9-1.0M charges","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Closure of 11 branches (~23% of network) and reduction of ~44 employees (17% of workforce).","Expected total cash charges of $0.9M-1.0M, plus <$0.1M non-cash impairment on lease obligations.","Employee-related costs estimated at $42,000; lease obligations at $898,000.","Majority of charges expected to be recorded in Q2 of fiscal year 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363450,"accession_number":"0000950170-22-011991","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-06-23T23:59:59+00:00","items":["9.01"],"status":"ready","headline":"Nicholas Financial sets Aug. 30, 2022, annual meeting; record date July 26","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Annual General Meeting scheduled for August 30, 2022, in Charlotte, NC.","Record date for notice and voting is July 26, 2022.","Issuer sending proxy materials directly to NOBO; paying for delivery to OBO is No.","No notice-and-access requirements for beneficial or registered holders.","Common stock CUSIP 65373J209, ISIN CA65373J2092."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363449,"accession_number":"0000950170-22-010671","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-05-25T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Nicholas Financial reports $3M net income, considers capital deployment beyond subprime lending","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net income of $3.0M for FY2022; book value per share rose 3.2% to $15.42.","Receivables per equity $1.45; board targets $2-3, implying ~$49M excess equity capital.","Past public securities investments yielded $1.8M gain; board open to further investments outside subprime lending.","Share repurchases and acquisitions of related/unrelated businesses considered for excess capital, subject to lender approval.","Interim CEO Mike Rost leading NFI turnaround; nationwide search for permanent NFI President underway."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":363448,"accession_number":"0000950170-22-010534","cik":1000045,"company_name":"OLD MARKET CAPITAL Corp","ticker":"OMCC","form_type":"8-K","filed_at":"2022-05-24T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Nicholas Financial Q4 net income drops 79% YoY to $0.4M; originations hit record $27.1M","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.05 vs $0.24 in prior-year quarter; full-year EPS $0.39 vs $1.09.","Interest and fee income fell 4.0% to $12.3M in Q4; full-year down 8.3% to $49.7M.","New contract originations reached $27.1M, up 10.2% YoY and 39.3% QoQ – a historic high.","Direct loan originations surged 127.1% YoY to $7.5M in Q4; portfolio yield improved to 27.9%.","Finance receivables net increased by $2.9M during Q4, first growth in a long period."],"consensus_eps_estimate":null,"consensus_eps_actual":0.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":49779000.0,"consensus_period":"2022-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":29570873.7411822,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2022-05-24T23:59:59+00:00|363448"}