8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) January 13, 2022

NICHOLAS FINANCIAL, INC.

(Exact name of registrant as specified in its Charter)

(727) 726-0763

(Registrant’s telephone number, Including area code)

Not applicable

(Former name, former address and former fiscal year, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 8.01 Other Events.

On January 13, 2022 Nicholas Financial, Inc. (the “Company”) issued a press release announcing an expansion branch office in Houston, Texas. A copy of this press release is attached hereto as Exhibit 99.1.

The information included in this Current Report on Form 8-K (including Exhibit 99.1 hereto) is furnished pursuant to this Item 8.01 and shall not be deemed to be “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section or Sections 11 and 12(a)(2) of the Securities Act of 1933, as amended. In addition, the information included in this Current Report on Form 8-K (including Exhibit 99.1 hereto) shall not be incorporated by reference into any filing of the Company, whether made before or after the date hereof, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference into such filing.

Item 9.01 Financial Statements and Exhibits

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned, hereunto duly authorized.

EX-10.1

Exhibit 10.1

Nicholas Financial Hello HOUSTON Texas JOIN US FOR OUR Grand Opening Celebration!! Eat Bar-B-Que See Live Longhorns Play Casino Games You're Invited to Nicholas Financial's Houston, Texas Grand Opening Date: Time: Location: January 13th 2022 3:00 to 7:00pm 9630 N. Sam Houston Pkwy E, Suite F For more Info call: Humble, TX 77396 281-601-1926 Official Ribbon Cutting at 4:00pm - Refreshments & Fun will be served Proudly Serving Dealers in FL, AL, AZ, GA, ID, IL, IN, KS, KY, Ml, MO, NC, NV, OH, PA,SC,TN,TX, UT, WI www. N icholasFinancial.com

EX-99.1

Exhibit 99.1

		FOR IMMEDIATE RELEASE
Nicholas	Contact: Doug Marohn	NASDAQ: NICK
Nicholas Financial, Inc.<br><br>Corporate Headquarters<br><br>2454 McMullen-Booth Rd.<br><br>Building C, Suite 501<br><br>Clearwater, FL 33759	President & CEO<br><br>Ph # (727)-726-0763	Web site: www.nicholasfinancial.com

Nicholas Financial’s Houston, Texas Grand Opening.

January 13, 2022 – Clearwater, Florida - Nicholas Financial, Inc. (NASDAQ: NICK) – an industry leading branch-based subprime auto lender focused on servicing the needs of the local independent dealer – announced today a grand opening celebration for our newest branch office in the Houston, TX market, located at 9630 N. Sam Houston Pkwy E, Suite F Humble, TX 77396 on January 13, 2022. The open house begins at 3:00 PM CST, the official ribbon cutting ceremony will commence at 4:00 PM CST and the celebration will continue until 7:00 PM CST. Please contact the local office at 281-601-1926 for more information regarding the event.

“The grand opening of our newest branch office in Houston, TX marks NFI’s re-entry into the Texas market,” commented Doug Marohn, president and CEO of Nicholas Financial. “In addition to Houston, we are actively developing Dallas, Ft. Worth and San Antonio. We are excited to be back in the Lone Star State and are very proud of the excellent men and women we have representing Nicholas here,” continued Marohn. “This is the continuation of our methodical expansion of our branch network as we push further West.”

The Company now operates 47 brick and mortar locations in 18 different States - Alabama, Florida, Georgia, Idaho, Illinois, Indiana, Kentucky, Michigan, Missouri, North Carolina, Nevada, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, and Wisconsin.

About Nicholas Financial

Nicholas Financial, Inc. (NASDAQ:NICK) is a specialized consumer finance company, operating branch locations in primarily Southeastern and Midwestern U.S. States. The Company engages primarily in acquiring and servicing automobile finance installment contracts (“Contracts”) for purchases of used and new automobiles and light trucks. Additionally, Nicholas Financial originates direct consumer loans (“Direct Loans”) and sells consumer-finance related products. For an index of Nicholas Financial, Inc’s new releases or to obtain a specific release, please visit our website at www.nicholasfinancial.com.

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