ORC Announces Sept 29 Payout and Discloses July 31 RMBS Details

Rhea-AI Filing Summary

Orchid Island Capital, Inc. announced a cash dividend of $0.12 per share for August 2025, payable on September 29, 2025 to holders of record on August 29, 2025 with an ex-dividend date of August 29, 2025. The Board declared the distribution and the company attached a press release describing the dividend and additional company information as Exhibit 99.1.

The filing also states the company disclosed certain details of its residential mortgage-backed securities (RMBS) portfolio as of July 31, 2025, with those specifics provided in the attached press release. The report includes the company’s standard caution about forward-looking statements and notes investors should refer to the Company’s risk disclosures for factors that could affect future outcomes.

Positive

• Declared $0.12 per share dividend for August 2025, with clear payment and record dates
• Disclosed RMBS portfolio details as of July 31, 2025 via attached press release, indicating additional transparency

Negative

• Key RMBS portfolio specifics are not included in the 8-K text and must be reviewed in Exhibit 99.1 to assess material portfolio metrics

Insights

Financial Analyst

TL;DR Routine monthly dividend declared; RMBS portfolio detail referenced but not included in the filing body.

The Board declared an August dividend of $0.12 per share, with payment scheduled for September 29, 2025 and record/ex-dividend dates on August 29, 2025. For income-focused investors, a declared cash distribution is a concrete near-term cash flow event. The filing references RMBS portfolio details as of July 31, 2025, but those specifics are contained in the attached press release (Exhibit 99.1), which is necessary to assess portfolio composition or risk metrics. The filing also reiterates standard forward-looking statement caution.

Corporate Governance Expert

TL;DR Board action disclosed clearly; attachment contains substantive detail not embedded in the form.

The 8-K documents a formal Board declaration of a monthly dividend, including payment and record dates, indicating adherence to corporate disclosure practices for distributions. The filing points readers to Exhibit 99.1 for additional company and RMBS portfolio information as of July 31, 2025. From a governance and disclosure standpoint, the company fulfilled its obligation to announce the dividend and to attach supporting disclosure, though the detailed assessment requires review of the press release exhibit.

false 0001518621 0001518621 2025-08-13 2025-08-13

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): August 13, 2025

Orchid Island Capital, Inc.

(Exact Name of Registrant as Specified in Charter)

Maryland	001-35236	27-3269228
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(IRS Employer Identification No.)

3305 Flamingo Drive, Vero Beach, Florida 32963

(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code (772) 231-1400

N/A

(Former Name or Former Address, 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:

☐ 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:

Title of each class:	Trading symbol:	Name of each exchange on which registered:
Common Stock, par value $0.01 per share	ORC	NYSE

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 August 13, 2025, Orchid Island Capital, Inc. (the “Company”) announced that the Board of Directors of the Company declared a dividend for the month of August 2025 of $0.12 per share of the Company’s common stock, to be paid on September 29, 2025, to holders of record on August 29, 2025, with an ex-dividend date of August 29, 2025. In addition, the Company announced certain details of its RMBS portfolio as of July 31, 2025, as well as certain other information regarding the Company. A copy of the Company’s press release announcing the dividend and the other information regarding the Company is attached hereto as Exhibit 99.1 and incorporated herein by this reference.

Caution About Forward-Looking Statements.

This Current Report on Form 8-K contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and other federal securities laws, including, but not limited to, statements about the Company’s distributions. These forward-looking statements are based upon the Company’s present expectations, but the Company cannot assure investors that actual results will not vary from the expectations contained in the forward-looking statements. Investors should not place undue reliance upon forward looking statements. For further discussion of the factors that could affect outcomes, please refer to the “Risk Factors” section of the Company's Annual Report on Form 10-K for the fiscal year ended December 31, 2024. All forward-looking statements speak only as of the date on which they are made. New risks and uncertainties arise over time, and it is not possible to predict those events or how they may affect the Company. Except as required by law, the Company is not obligated to, and does not intend to, update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Item 9.01. Financial Statements and Exhibits.

(d) Exhibits

Exhibit No.		Description
99.1		Press Release dated August 13, 2025
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

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.

Date: August 13, 2025		ORCHID ISLAND CAPITAL, INC.
	By:	/s/ Robert E. Cauley
		Robert E. Cauley
		Chairman and Chief Executive Officer

FAQ

What dividend did Orchid Island (ORC) declare for August 2025?

The Company declared a cash dividend of $0.12 per share for August 2025.

When will ORC's August 2025 dividend be paid and what are the record/ex-dividend dates?

The dividend is payable on September 29, 2025; the record date and ex-dividend date are both August 29, 2025.

Did ORC provide details about its RMBS portfolio in this 8-K?

Yes. The filing states the Company announced certain RMBS portfolio details as of July 31, 2025, with specifics included in the attached press release (Exhibit 99.1).

Where can I find the press release referenced in the ORC 8-K?

The press release announcing the dividend and other information is attached to the 8-K as Exhibit 99.1.

Does this 8-K include financial statements or interactive data?

The filing lists a Cover Page Interactive Data File (Inline XBRL) as Exhibit 104 and the press release as Exhibit 99.1; no separate financial statements are included in the 8-K text.