Oportun director awarded 20,869 stock units

WILCOX WARREN reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

WILCOX WARREN reported acquisition or exercise transactions in this Form 4 filing.

Oportun Financial Corp director Warren Wilcox received a grant of 20,869 restricted stock units (RSUs) of common stock on August 11, 2026. The RSUs vest in four installments through 2027, and Wilcox now holds 38,910 shares/RSUs directly, subject to continued service-based vesting conditions.

Insider Trade Summary

Grant/Award: 20,869 shares

Grant/Award 1 txn

Insider WILCOX WARREN

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1, F2	20,869	--	--

Holdings After Transaction: Common Stock — 38,910 shares (Direct)

Footnotes (2)

1. F1. Represents an award of restricted stock units (RSUs) that will vest one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and upon the earlier of (i) the date immediately preceding the Issuer's 2027 annual stockholder meeting or (ii) August 11, 2027, subject to the Reporting Person's continued service through such date.
2. F2. Each RSU represents the right to receive, at settlement, one share of common stock.

Key Figures

RSUs granted: 20,869 RSUs Holdings after transaction: 38,910 shares/RSUs First vesting date: November 11, 2026 +3 more

6 metrics

RSUs granted 20,869 RSUs Grant of restricted stock units on August 11, 2026 to director Warren Wilcox

Holdings after transaction 38,910 shares/RSUs Total direct holdings following the RSU award

First vesting date November 11, 2026 One-fourth of the RSUs vest on this date, subject to continued service

Second vesting date February 11, 2027 Second one-fourth of RSUs vest on this date, subject to continued service

Third vesting date May 11, 2027 Third one-fourth of RSUs vest on this date, subject to continued service

Final vesting deadline August 11, 2027 Final one-fourth vests on the earlier of pre-2027 meeting date or this date

Key Terms

restricted stock units (RSUs), settlement, annual stockholder meeting, continued service

4 terms

restricted stock units (RSUs) financial

"Represents an award of restricted stock units (RSUs) that will vest one-fourth"

Restricted stock units (RSUs) are a type of company promise to give employees shares of stock in the future, usually after certain conditions like working for a set time. They are like a gift promised today that you receive later, which can become valuable if the company's stock price goes up. RSUs matter because they are a way companies reward employees and can be a significant part of compensation.

settlement financial

"Each RSU represents the right to receive, at settlement, one share"

Settlement is the process of completing a financial transaction, like buying or selling a stock, by transferring money and ownership between parties. It ensures that both the buyer gets the asset and the seller gets paid, making the deal official. Without settlement, the transaction wouldn't be finalized or legally recognized.

annual stockholder meeting financial

"earlier of (i) the date immediately preceding the Issuer's 2027 annual stockholder meeting"

An annual stockholder meeting is a yearly gathering where a company's owners (shareholders) receive updates on performance, vote on key issues like board members, executive pay and major corporate plans, and ask questions of management. Think of it as a company town hall where choices about oversight and direction are decided; outcomes can affect management accountability, corporate strategy and ultimately the value and risks of investors’ shares.

continued service financial

"subject to the Reporting Person's continued service through such date"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did OPRT director Warren Wilcox receive in this Form 4 filing?

Warren Wilcox received an award of 20,869 restricted stock units (RSUs) of Oportun Financial Corp common stock on August 11, 2026, reported as an acquisition of non-derivative securities in his capacity as a director.

How and when do Warren Wilcox’s new OPRT RSUs vest?

The 20,869 RSUs vest one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and the earlier of the day before the 2027 annual stockholder meeting or August 11, 2027, subject to continued service.

What does each RSU granted to Warren Wilcox by OPRT represent?

Each RSU represents the right to receive, at settlement, one share of Oportun Financial Corp common stock. The actual shares are issued as the RSUs vest, assuming Wilcox satisfies the continued service conditions.

How many OPRT shares/RSUs does Warren Wilcox hold after this grant?

Following the reported grant, Warren Wilcox holds 38,910 shares/RSUs of Oportun Financial Corp common stock directly. This figure includes the newly awarded RSUs, which will convert into shares as they vest over time.

Was Warren Wilcox’s OPRT RSU grant under a Rule 10b5-1 trading plan?

The filing indicates the Rule 10b5-1 checkbox is not affirmatively marked as a trading-plan transaction. The grant is reported as a grant, award, or other acquisition of equity compensation, not as an open-market trade.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/13/2026 - 05:39 PM EDT Learn about SEC filing dates

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

WILCOX WARREN

(Last) (First) (Middle)

C/O OPORTUN FINANCIAL CORPORATION

1825 SOUTH GRANT STREET, SUITE 850

(Street)

SAN MATEO CALIFORNIA 94402

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Oportun Financial Corp [ OPRT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director		10% Owner
	Officer (give title below)		Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/11/2026		A		20,869(1)	A	(2)	38,910	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents an award of restricted stock units (RSUs) that will vest one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and upon the earlier of (i) the date immediately preceding the Issuer's 2027 annual stockholder meeting or (ii) August 11, 2027, subject to the Reporting Person's continued service through such date.

2. Each RSU represents the right to receive, at settlement, one share of common stock.

Remarks:

	/s/Kathleen Layton (Attorney-in-Fact)	08/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)