OMCC on OTC

Nicholas Financial

American consumer and auto loan company

Nicholas Financial is an American consumer and auto loan company based in Clearwater, Florida. In September 2024, the company changed its name to Old Market Capital Corporation. As of 2012, it had 60 branch offices in Florida, Ohio, North Carolina, Georgia, Alabama, Kentucky, Indiana, Tennessee, Michigan, Missouri, South Carolina, Virginia, Maryland and Illinois.3 Its shares trade on OTC under the symbol OMCC.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 20, 2026.

Overview

$9.4MRevenue, fiscal 20255
-$5.1MNet income, fiscal 20255
Jul 23, 1990Founded1

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  • TickerOMCC on OTC1
  • Industryfinancial services1
  • HeadquartersClearwater, United States1
  • Incorporated inFL6
  • Business address1601 Dodge St., Suite 3350, Omaha, Ne 681026
  • Filer categoryNon-accelerated filer, Smaller reporting company6
  • Legal formProfit Corporation4
  • LEI5493005OYHXSC9R6FU124
  • StatusActive4
  • LEI statusLapsed (not renewed)4
  • Registered addressC/O CT Corporation System, 33324 Plantation, United States4
  • Registered withFlorida Division of Corporations, L901004

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Nicholas Financial is an American consumer and auto loan company based in Clearwater, Florida. In September 2024, the company changed its name to Old Market Capital Corporation. As of 2012, it had 60 branch offices in Florida, Ohio, North Carolina, Georgia, Alabama, Kentucky, Indiana, Tennessee, Michigan, Missouri, South Carolina, Virginia, Maryland and Illinois. Peter Vosotas was the company's founder and chief executive.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

-74.3%Operating margin5
-55.0%Net margin5
-9.7%Return on equity5
0.01×Debt to equity5
-$10.3MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs99¢$9.3M
  • Income tax1¢$63.0K

Out of $9.4M in revenue.5 The company lost money this year.

Financial statements

Revenue89105$9.4M in 2025−85% since 2020
0$20.0M$40.0M$60.0M$80.0M2020: $62.1M$62.1M20202021: $56.0M$56.0M2021−10%2022: $49.8M$49.8M2022−11%2023: $44.3M$44.3M2023−11%2024: $0$020242025: $9.4M$9.4M2025
Operating income5-$7.0M in 2025+11% since 2024
-$8.0M-$6.0M-$4.0M-$2.0M02024: -$6.2M-$6.2M20242025: -$7.0M-$7.0M2025+11%
Net income11128910135-$5.1M in 2025+369% since 2018
-$40.0M-$20.0M0$20.0M2018: -$1.1M-$1.1M20182019: -$3.6M-$3.6M2019+232%2020: $3.5M$3.5M20202021: $8.4M$8.4M2021+141%2022: $3.0M$3.0M2022−64%2023: -$34.1M-$34.1M20232024: -$20.8M-$20.8M2024−39%2025: -$5.1M-$5.1M2025−75%
Fiscal year20182019202020212022202320242025
Revenue$62.1M8$56.0M9$49.8M10$44.3M10$05$9.4M5
Operating expenses$45.7M10$32.4M13$6.2M5$16.3M5
Operating income-$6.2M5-$7.0M5
Interest$10.1M11$9.5M12$8.5M8$6.0M9$5.4M10$3.9M13$929.0K13
Income before tax$4.0M10-$32.7M13-$6.1M5-$8.3M5
Income tax$4.3M11-$940.0K12-$1.2M8$2.6M9$1.0M10$1.4M13$05$63.0K5
Net income-$1.1M11-$3.6M12$3.5M8$8.4M9$3.0M10-$34.1M13-$20.8M5-$5.1M5
Earnings per share-$0.1411-$0.4612$0.458$1.099$0.3910-$4.6513-$2.865-$0.775
Earnings per share (diluted)-$0.1411-$0.4612$0.458$1.099$0.3910-$4.6513-$2.865-$0.775
Shares (weighted, basic)7.6M shares107.3M shares137.3M shares56.7M shares5
Shares (weighted, diluted)7.6M shares107.3M shares137.3M shares56.7M shares5

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Corporate structure

Nicholas Financial sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Nicholas Financial

  • DIMENSIONAL FUND ADVISORS LP Filed SCHEDULE 13G/A on Nicholas Financial, latest Jan 21, 2026 (5 filings since Feb 8, 2022)
  • TCW GROUP INC Filed SCHEDULE 13D on Nicholas Financial, latest Sep 12, 2025 (4 filings since Feb 9, 2022)
  • MAGNOLIA CAPITAL FUND, LP Filed SC 13D/A on Nicholas Financial, latest Dec 17, 2024 (3 filings since Aug 3, 2022)
  • Pelham Investment Partners, LP Filed SC 13G/A on Nicholas Financial, latest Feb 14, 2024 (2 filings since Jul 24, 2023)
  • RENAISSANCE TECHNOLOGIES LLC Filed SC 13G/A on Nicholas Financial, latest Feb 13, 2024 (3 filings since Feb 11, 2022)
  • Nicholas Financial Clearwater, Florida, United States

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Nicholas Financial reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$32.4M5 Mar 31, 2025$313.0K5 Mar 31, 2024+10245.0%
Accumulated depreciation$1.4M5 Mar 31, 2025$238.0K5 Mar 31, 2024+502.9%
Property and equipment, net$30.9M5 Mar 31, 2025$75.0K5 Mar 31, 2024+41160.0%
Operating-lease assets (leased space)$3.0M5 Mar 31, 2025$65.0K5 Mar 31, 2024+4458.5%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$24.5M5 Mar 31, 2025$19.0M5 Mar 31, 2024+29.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$12.3M5 Mar 31, 2025$05 Mar 31, 2024
Intangible assets, net (excluding goodwill)$3.7M5 Mar 31, 2025$05 Mar 31, 2024
Indefinite-lived intangibles (excluding goodwill)$3.7M5 Mar 31, 2025
Finite-lived intangibles, net$2.7M5 Mar 31, 2025

Properties, in its own words

The Company leases its corporate headquarters as well as the subsidiary's office and warehouse facilities. The Company’s headquarters, located at 1601 Dodge Street, Suite 3350, in Omaha, Nebraska, consist of approximately 1,400 square feet of office space leased at an annual rate of approximately $26.27 per square foot. The current lease relating to this space was entered into effective March 1, 2025 and expires on February 29, 2028.

As of March 31, 2023, the Company has closed each of its 47 branch offices located in Alabama, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, Missouri, Nevada, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin. The Company previously acquired Contracts in Idaho and Texas through its virtual expansion office operations based in the Charlotte, North Carolina corporate location. The lease relating to the Company's former central business operations hub, which was located in Rock Hill, South Carolina, was terminated effective January 31, 2024. The lease relating to the Company's former corporate headquarters, which was located in Clearwater, Florida, was terminated effective January 31, 2025.

Item 2 of the 10-K filed Jun 30, 2025.19

The story

The company was founded in 1986 by Peter Vosotas. The company went public in 1987 and was listed on the NASDAQ under the symbol, NICK.

In December 2013, Prospect Capital Corporation declared it would acquire 100% of the common stock of Nicholas Financial Inc., which failed to close in April 2014.

CEO Ralph Finkerbrink, retired in September 2017 after 25+ years of service to the company. Doug Marahon took over as CEO in December 2017.

In April 2020, in the wake of the financial burden of the emerging COVID-19 pandemic the company went into furlough. In a Form 8-K with the U.S. Nicholas Financial Inc., reported that it would immediately furlough 40 employees, or around 15% of its staff. The consumer finance firm also confirmed that it would shutter seven of its branches.

From Wikipedia’s article on Nicholas Financial, shared under CC BY-SA 4.0.7

Leadership

Who has led Nicholas Financial, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Peter L. Vosotas2006–2013
  2. Ralph Finkenbrink2014–2017
  3. Douglas W. Marohn2017–2022
  4. Michael Rost2022
  5. Jeffrey C. Royal2024–2025
  6. Mark R. Radabaugh2025–now

Chair

  1. Peter L. Vosotas2006–2007

President

  1. Peter L. Vosotas2006–2013
  2. Ralph Finkenbrink2014–2017
  3. Douglas W. Marohn2017–2022
  4. Mark R. Radabaugh2025–now

Chief financial officer

  1. Ralph Finkenbrink2006–2013
  2. Katie Macgillivary2014–2017
  3. Chad Steinorth2018
  4. Kelly Malson Snape2018–2019
  5. Irina Nashtatik2019–2022
  6. Charles Krebs2024–2025
  7. Robert J. Bresnahan2025–now
1995200020052010201520202025
Board members and other officers (14)

Products and brands

  • loan

Listed on Wikidata.1

Former names

  • NICHOLAS FINANCIAL INCSep 27, 1996 to Sep 27, 20246

Timeline

  1. Dec 11, 20258-K Listing notice or transfer; Other events46
  2. Dec 10, 20258-K Other events47
  3. Dec 2, 20258-K Entered a material agreement48
  4. Nov 14, 20258-K Results of operations49
  5. Sep 12, 20258-K Bylaws or fiscal year changed; Shareholder vote50
  6. Aug 14, 20258-K Results of operations51
  7. Jul 17, 20258-K Entered a material agreement52
  8. Jun 30, 20258-K Results of operations53
  9. Mar 20, 2025New chief executive Mark R. Radabaugh becomes CEO20
  10. Feb 14, 20258-K Results of operations54
  11. Dec 19, 20248-K Entered a material agreement55
  12. Dec 17, 2024New chief executive Jeffrey C. Royal becomes CEO21
  13. Nov 13, 20248-K Results of operations56
  14. Nov 7, 20248-K Entered a material agreement; New debt or obligation; Regulation FD disclosure57
  15. May 19, 2022New chief executive Michael Rost becomes CEO22
  16. Dec 13, 2017New chief executive Douglas W. Marohn becomes CEO23
  17. Jun 25, 2014New chief executive Ralph Finkenbrink becomes CEO24
  18. Feb 15, 2006New chief executive Peter L. Vosotas becomes CEO25
  19. Jul 23, 1990Founded Founded1

Calendar

When it reported results

  1. Nov 14, 2025Reported quarterly or annual results49
  2. Aug 14, 2025Reported quarterly or annual results51
  3. Jun 30, 2025Reported quarterly or annual results53
  4. Feb 14, 2025Reported quarterly or annual results54
  5. Nov 13, 2024Reported quarterly or annual results56
  6. Jul 1, 2024Reported quarterly or annual results58
  7. Feb 13, 2024Reported quarterly or annual results59
  8. Nov 14, 2023Reported quarterly or annual results60

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

195 filings to the SEC since October 2021: 7 annual reports, 14 quarterly reports, 57 major events, 79 insider forms, 17 large holders, 21 other. The latest 20:

  1. Jan 21, 2026SCHEDULE 13G/A EDGAR
  2. Jan 13, 20264 EDGAR
  3. Jan 12, 20264 PRIMARY DOCUMENT EDGAR
  4. Jan 12, 20264 PRIMARY DOCUMENT EDGAR
  5. Jan 12, 20264 PRIMARY DOCUMENT EDGAR
  6. Jan 12, 20264 PRIMARY DOCUMENT EDGAR
  7. Jan 2, 202615-12G/A EDGAR
  8. Dec 22, 202525 EDGAR
  9. Dec 18, 20254 PRIMARY DOCUMENT EDGAR
  10. Dec 11, 20258-K EDGAR
  11. Dec 10, 20258-K EDGAR
  12. Dec 2, 20258-K EDGAR
  13. Nov 26, 20254 PRIMARY DOCUMENT EDGAR
  14. Nov 14, 20258-K EDGAR
  15. Nov 14, 202510-Q EDGAR
  16. Oct 8, 20254 PRIMARY DOCUMENT EDGAR
  17. Oct 8, 20254 PRIMARY DOCUMENT EDGAR
  18. Oct 8, 20254 PRIMARY DOCUMENT EDGAR
  19. Oct 8, 20254 PRIMARY DOCUMENT EDGAR
  20. Oct 8, 20254 EDGAR

The 195 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

56 open-market trades by officers, directors and large owners since October 2021: 56 buys and 0 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Jan 9, 2026MAGNOLIA CAPITAL FUND, LP10% ownerBuy2,149Form 4
Dec 17, 2025Radabaugh Mark R.PRESIDENT/CEO OF AMPLEXBuy2,000$5.56$11.1KForm 4
Dec 16, 2025Radabaugh Mark R.PRESIDENT/CEO OF AMPLEXBuy100$5.49$549Form 4
Oct 6, 2025MAGNOLIA GROUP, LLC10% ownerBuy5,493Form 4
Sep 10, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy591$5.41$3.2KForm 4
Sep 9, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy84$5.42$455Form 4
Sep 3, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy23$5.36$123Form 4
Aug 20, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy110$5.37$591Form 4
Aug 19, 2025Flott Dylan J.CONTROLLERBuy500$5.61$2.8KForm 4
Aug 19, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy447$5.56$2.5KForm 4
Jul 30, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy350$5.80$2.0KForm 4
Jul 23, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy100$6.27$627Form 4
Jul 22, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy463$6.27$2.9KForm 4
Jul 15, 2025Radabaugh Mark R.PRESIDENT/CEO OF AMPLEXBuy14,688$6.49$95.3KForm 4
Jul 14, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy39$6.16$240Form 4
Jul 11, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy261$6.16$1.6KForm 4
Jul 10, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy750$6.12$4.6KForm 4
Jul 9, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy1,150$6.18$7.1KForm 4
Jul 7, 2025Krebs CharlesCHIEF FINANCIAL OFFICERBuy34$5.70$194Form 4
Jul 3, 2025MAGNOLIA CAPITAL FUND, LP10% ownerBuy6,136Form 4

All 56 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Jeffrey Royal$225.0K$454.5K66
2025Michael Rost$137.5K$215.6K66
2025Charles Krebs$141.0K$202.0K66
2025Mark Radabaugh$157.5K$166.0K66
2025Irina Nashtatik$76.2K$157.3K66
2024Former Chief Financial Officer$227.9K$359.0K66
2024Former ChiefExecutive Officer$250.8K$306.9K66
2024Chief Executive Officer$61.0K66

SEC filer profile

How Nicholas Financial is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGAROLD MARKET CAPITAL Corp2
  • CIK0001000045
  • Employer ID (EIN)59-250687919
  • Filer statusNon-accelerated filer not an emerging growth company; a smaller reporting company; not a shell company19
  • Incorporated inDelaware19
  • Fiscal year endsMarch 312
  • Industry code (SIC)6153 Short-Term Business Credit Institutions2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address1601 Dodge St., Suite 3350, Omaha, NE 681022
  • Phone727-726-07632
  • Shares outstanding6,790,097 as of Nov 13, 202515
  • Public float$42.3M as of Sep 30, 202419
  • AuditorForvis Mazars, LLP, Atlanta, Georgia PCAOB ID 686; it also attests to the company’s internal control over financial reporting19
  • On EDGAR sinceJun 26, 19962
  • Filings903 in all: 4 (321), 8-K (226), 10-Q (62), SC 13G/A (49), DEF 14A (27), SC 13G (27), 10QSB (25), 3 (25)2
    All 47 form types

    10-K (20), SC 13D/A (17), CORRESP (11), UPLOAD (11), 10KSB (10), 4/A (9), 8-K/A (4), PRE 14A (4), S-8 (4), 10-K/A (3), 5 (3), 5/A (3), DEFR14A (3), S-2/A (3), SB-2/A (3), SC TO-I/A (3), 10-Q/A (2), 10QSB/A (2), ARS (2), NT 10-Q (2), S-4/A (2), SC 13D (2), SC TO-C (2), 10KSB/A (1), 15-12G/A (1), 25 (1), 424B1 (1), 424B3 (1), 425 (1), DEFA14A (1), EFFECT (1), POS AM (1), S-2 (1), S-4 (1), SB-2 (1), SC TO-I (1), SCHEDULE 13D (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1)

  • Latest filingsAnnual report (10-K) Jun 30, 2025
    Quarterly report (10-Q) Nov 14, 2025
    Proxy statement (DEF 14A) Jul 29, 2025
    Latest 8-K (8-K) Dec 11, 2025

Securities registered for trading

ClassSymbolExchange
Common StockOMCCNASDAQ

From the cover page of the 10-K filed Jun 30, 2025 (Section 12(b) of the Exchange Act).19

Risk factors and legal proceedings

The risks Nicholas Financial names in Item 1A of its 10-K filed Jun 30, 2025: 10 risks under these headings, as written.19

  • Risks Related to Our Business and Industry
  • Weak economic conditions may have a negative impact on Amplex.
  • Amplex is subject to various federal, state and local laws and regulations.
  • We may incur losses due to asset impairment charges related to goodwill and other intangible assets.
  • We rely significantly on our executive leadership, and the loss or limited availability of key personnel could negatively impact our business.
  • Risks Related to our Common Stock
  • Operating as a U.S. public company exposes us to increased costs and regulatory burdens.
  • We may seek to raise additional equity capital through public or private offerings, which could significantly dilute your investment.
  • We may incur additional debt financing, which could impose restrictive covenants and materially affect our financial condition.
  • Our ability to access capital may be limited.
  • Risks Related to Privacy and Cybersecurity
  • Cybersecurity threats and IT system disruptions could significantly impact our business, financial condition, and operations.
The other 1 risk
  • Amplex operates in a highly competitive market, often against companies with significantly greater resources, and its inability to compete effectively could harm its business and reduce its market share.

Legal proceedings

See the disclosure in Note 10 - "Commitments and Contingencies" of the Notes to Consolidated Financial Statements in Part II, Item 8 of this Annual Report, which disclosure is hereby incorporated herein by reference.

The opening of Item 3, Legal Proceedings.19

Sources

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