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Standard Finance Holdings, Inc. reported that Stephano Slack, LLC resigned as its independent registered public accountant effective March 27, 2026, with Audit Committee approval. Audit reports for the years ended December 31, 2025 and 2024 contained no adverse opinions, disclaimers, or qualifications.
The company states it had no disagreements with Stephano Slack, LLC and no reportable events under Item 304 of Regulation S-K through March 27, 2026. On March 30, 2026, the Audit Committee engaged M&K CPAs, PLLC as the new independent registered public accounting firm. A confirming letter from Stephano Slack, LLC is filed as Exhibit 16.1.
Standard Premium Finance Holdings, Inc. reports modestly higher 2025 results as its insurance premium finance portfolio and funding base expand. Premium finance loans outstanding rose to $76,630,634 from $67,173,975, with originations of $158,136,311 versus $149,509,349 in 2024.
Gross revenue increased 2.7% to $12,469,770, driven mainly by a 4.1% rise in finance charges. Net income grew 23.9% to $1,213,960, lifting return on assets to 1.56% and return on equity to 17.58%. Credit quality remained solid, with no classified loans and special-mention exposure closely monitored.
The company relies heavily on bank funding: a revolving line of credit with First Horizon Bank and syndicate partners was expanded to $75,000,000 and extended to September 25, 2028. As of year-end 2025, $49,575,004 was drawn, providing $6,893,451 of additional availability, alongside subordinated notes and preferred stock. SPFX also repurchased 1,186 common shares in Q4 2025 and continues to retain earnings, with no common dividends paid.
Standard Premium Finance Holdings, Inc. reported that on December 28, 2025, director John Leavitt resigned from its Board of Directors, effective the same day. The company states that his resignation is not due to any disagreement with the company regarding its operations, policies, or practices, indicating this is characterized as an amicable departure. Mr. Leavitt also served on the company’s Audit Committee, so his exit creates a board and committee vacancy that the company may later fill.
Standard Premium Finance Holdings, Inc. insider William Kippelmann, who serves as CEO, director and a 10% owner, reported buying 1,000 shares of common stock on 12/10/2025 at a price of $1.908 per share. After this transaction, he directly owned 807,155 shares.
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported a Form 4 insider transaction by a director. On 11/25/2025, the director purchased 100 shares of common stock in an open market transaction at a price of $1.95 per share. Following this trade, the director beneficially owns 172,300 shares of SPFX common stock in direct ownership. The filing reports no derivative securities activity.
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported an insider stock purchase by its Chief Financial Officer and director, Brian Krogol. On 11/21/2025, he acquired 1,120 shares of common stock in an open market transaction at a price of $2.29 per share. Following this transaction, he beneficially owns 88,720 shares of SPFX common stock directly.
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported an insider transaction by a director on a Form 4. On 11/18/2025, the director purchased 100 shares of common stock at $2.25 per share. After this trade, the director beneficially owns 172,200 shares of the company’s common stock, held directly. This is a routine disclosure of insider ownership and trading activity required under securities regulations.
Standard Premium Finance Holdings (SPFX) reported annual meeting results. Shareholders elected three directors—John Leavitt (1,353,227 votes for), Christopher Perrucci (1,376,939 for), and Carl Christian Hoechner (1,371,005 for)—to serve terms expiring at the 2028 Annual Meeting. Withheld votes were limited and broker non-votes were 1,401 where applicable.
Shareholders also ratified Stephano Slack, LLC as the independent registered public accounting firm for fiscal 2025 with 1,378,340 votes for and no votes against or abstentions. As of the September 8, 2025 record date, shares entitled to vote were 3,167,216, consisting of 3,001,216 common shares and 166,000 preferred shares.
Standard Premium Finance Holdings (SPFX) reported steady Q3 performance. Revenue for the quarter was $3,215,771, up 4.6% year over year, with net income of $276,024. Basic EPS was $0.08 (diluted $0.07). For the nine months ended September 30, revenue was $9,227,729 and net income attributable to common stockholders was $782,790.
The loan book continued to expand: premium finance contracts and related receivables, net, reached $73,532,852, up from $63,857,557 at year‑end. The allowance for credit losses was $2,159,237, and the reserve ratio was 2.61%. Q3 originations were $41,034,533.
Funding improved with a renewed and upsized revolving credit facility, increasing the commitment to $75,000,000 and extending maturity to September 25, 2028, while lowering the margin to 2.10% over 30‑Day SOFR. Principal outstanding on the line was $48,364,857 with $8,393,823 of availability as of quarter‑end. Operating cash flow for the nine months was $4,102,464; investing used $10,684,853; financing provided $6,581,859. There were 3,001,216 common shares outstanding as of November 12, 2025.
Standard Premium Finance Holdings, Inc. updated its main credit facility on September 25, 2025 through a fifth amendment to its loan agreement. The company’s subsidiary increased its maximum aggregate borrowing capacity to $75,000,000 and added an uncommitted $40,000,000 accordion feature, bringing total potential capacity to $115,000,000.
The amendment also reduced the interest rate margin to 210 basis points from a prior range of 255–296 basis points, lowering borrowing costs, and extended the loan’s maturity date to September 25, 2028. Terms were updated to reflect a syndicated loan structure, while all other material provisions of the existing agreement remain in effect.