Oppfi Inc. · NYSE:OPFI
Oppfi — Merger or Acquisition (April 2026)
13 slides from Oppfi's merger presentation, Apr 29, 2026
Slide 1: A Transformative Combination: OppFi to Acquire BNCCORP
A Transformative Combination OppFi to Acquire BNCCORP 4/29/2026
Slide 2: This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for informational
This presentation (the “Presentation”) of OppFi Inc. (“OppFi” or the “Company”) is for informational purposes only and has been prepared in connection with the Company’s announcement of its corporate simplification and entry into a definitive merger agreement with BNCCORP, Inc. (“BNCC”). Certain inf
Slide 3: A Technology-Driven Next-Gen Bank For Everyday Americans
A Technology- Driven Next-Gen Bank For Everyday Americans Our Vision: Bank • Expanded Credit Access • Reduced Complexity • Diversified Product Offerings
Slide 4: A compelling, strategic combination designed to increase credit access
Increase credit access and enhance product offerings A compelling, strategic combination designed to: Enable geographic expansion and product diversification Reduce regulatory ambiguity and provide operational simplification Lower funding costs Strengthen the balance sheet and scale profitability Re
Slide 5: BNCCORP Transaction Highlights
Approvals and Closing EffectsBNCCORP Overview BNCCORP Transaction Highlights Launches OppFi’s Banking Platform Terms of Transaction • ~$130mm for 100% of the common stock of BNCC o BNCC stockholders will receive $19.375 per share in cash, and 1.90 shares of OppFi Class A common stock for each BNCC s
Slide 6: Complementary Platforms to Maximize Potential
Complementary Platforms to Maximize Potential A combination would create a digital banking and financial services platform for the everyday American Combined Mission-Driven Model Focused on the Everyday American High-Retention Customer Relationships Readily-Available, Low-Cost Funding
Slide 7: Combined Bank Products
Consumer Lines of Credit + Consumer Installment Loans + Small Business Lines of Credit + Small Business Installment Loans + Revenue-based Financing + Commercial Real Estate + SBA Loans + Agriculture Loans + Business Checking Accounts + Consumer Checking Accounts
Slide 8: BNCCORP Overview
• Trusted financial institution providing personalized banking solutions tailored to the unique needs of its clients • Focused on catering to the needs of the underserved small and mid-sized business markets • Fosters lasting relationships built on integrity, reliability and exceptional customer ser
Slide 9: Transaction Summary
Transaction Summary 9 Consideration • OppFi will acquire BNCCORP, Inc. (“BNCC”) and its wholly owned subsidiary, BNC National Bank (“BNC” or the “Bank”), for an aggregate purchase value of approximately $130mm • Represents a Price / Book Value at announcement of approximately 1.2x • A combination of
Slide 10: Anticipated Strategic and Financial Benefits
Anticipated Strategic and Financial Benefits 10 Strategic Benefits Increased Platform Simplification and Scalability • National bank charter enables OppFi to operate under a single, scalable operating model • Operating under federal oversight will simplify compliance by replacing state-by-state regu
Slide 11: Pro Forma Combined Anticipated Financial Profile
11 • The pro forma business will maintain regulatory capital in excess of well-capitalized thresholds at both the consolidated and bank levels • Strong pro forma profitability margins with net interest income margins of 90%+ and net income margins of 25%+ beyond 2026 • Ability to materially lower co
Slide 12: Appendix
12 Appendix
Slide 13: Key Assumptions and Transaction Metrics
Key Assumptions and Transaction Metrics 13 Earnings Estimates • OppFi based on 2027 consensus estimates and grown 10% annually thereafter • BNCCORP based on management guidance Synergies • Incorporates identified revenue and operational synergies • Includes incremental costs associated to company in