To ensure this doesn't happen in the future, please enable Javascript and cookies in your browser. If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh. ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 31, 2026 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from __to __ Commission File Number: 001-41211 nCino, Inc. (Exact name of Registrant as specified in its charter) (State or other jurisdiction of incorporation or ...

all March 31, 2026 Cautionary Note Regarding Forward-Looking Statements, Disclaimers and Financial Measures This presentation contains forward-looking statements about nGind sofinanced and operating results, which hivalude statements regarding nCiro's future performance, cutock, the cosumptions underlying those statements, the benefits from the use of nCino's solutions, our stratespes, and general business conditions. Forward-lecking statements gen actions, events, realits, strategies and expectations and a ...

WILMINGTON, N.C., March 31, 2026 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced the appointment of Keith Kettell as Chief Revenue Officer, effective April 1. Kettell brings more than two decades of experience building and scaling go-to-market organizations in the technology and financial services sectors. Earlier in his career, he spent seven years at Salesforce, where he was instrumental in building the company's financi ...

Exhibit 10.1 INCREMENTAL FACILITY AMENDMENT dated as of March 30, 2026 by and among NCINO OPCO, INC., as the Borrower, THE LENDERS PARTY HERETO, and BANK OF AMERICA, N.A., as Administrative Agent WELLS FARGO SECURITIES, LLC, TRUIST SECURITIES INC., and U.S. BANK NATIONAL ASSOCIATION, as Joint Lead Arrangers and Joint Bookrunners INCREMENTAL FACILITY AMENDMENT THIS INCREMENTAL FACILITY AMENDMENT (this "Amendment") dated as of March 30, 2026 to the Credit Agreement referenced below is by and among NCINO OPCO ...

Exceeds All Financial Guidance MetricsACV as of January 31, 2026, $602.4M, up 17% Year-Over-YearFiscal 2026 ACV Net Retention Rate of 112%Announces $100M Accelerated Share Repurchase Program WILMINGTON, N.C., March 31, 2026 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent, best-in-class banking solutions, today announced financial results for the fourth quarter and fiscal year 2026, ended January 31, 2026. “Fiscal 2026 was a landmark year for nCino, with both the fourth qu ...

Market Futures Signal Strong Tuesday OpeningThe U.S. stock market is preparing for a robust session this Tuesday, March 31st, 2026, as major index futures show significant gains across the board. As investors navigate the final trading day of the first quarter, the sentiment remains decidedly bullish, fueled by strong premarket activity and a surge in key sectors.As of the premarket hours, the S&P Futures (ES=F) are trading at 6460.25, up 72.00 points or 1.13%. The tech-heavy Nasdaq Futures (NQ=F) are leadi ...

Iowa community bank to leverage the nCino Platform to eliminate fragmented systems, drive efficiency and build for the futureWILMINGTON, N.C., March 26, 2026 (GLOBE NEWSWIRE) -- nCino, Inc. (NASDAQ: NCNO), the leading provider of intelligent banking solutions, today announced that Luana Savings Bank, a community bank serving Central and Northeast Iowa since 1908, has chosen nCino as its technology partner to transform how it lends, serves customers more effectively and builds a scalable foundation for futur ...

Core Insights - nCino has launched a new feature called nCino Doc VOI powered by Argyle, aimed at improving the efficiency of income verification for lenders in the mortgage process [1][2] Group 1: Product Features - nCino Doc VOI automates the verification of borrower income, replacing the traditional manual review of paystubs and W-2s, thus enabling faster and more cost-effective income verification [2][4] - The feature integrates with Freddie Mac's AIM Check API, allowing lenders to submit document-derived income data for automated assessment early in the underwriting process [3] Group 2: Operational Efficiency - The introduction of nCino Doc VOI allows lenders to extend automation across their mortgage pipeline, qualifying borrowers earlier and reducing manual touchpoints without adding complexity [4] - The automation provided by nCino Doc VOI is expected to significantly reduce the operational intensity associated with income verification in mortgage lending [4] Group 3: Market Position - nCino serves over 2,700 customers globally, including community banks, credit unions, and large financial institutions, positioning itself as a leader in providing intelligent banking solutions [5]

Company Overview - nCino, Inc. is a leading provider of cloud-based banking software that helps financial institutions streamline operations, enhance regulatory compliance, and accelerate digital transformation [6] - The company utilizes advanced analytics and machine learning to provide operational efficiencies and actionable insights for clients [6] - nCino's scalable SaaS platform positions it as a strategic technology partner for banks and credit unions seeking modernization and competitive differentiation [6] Financial Performance - As of February 17, 2026, nCino's stock price was $16.18, reflecting a 50% decline over the past year, while the S&P 500 gained approximately 16% during the same period [7] - The company's quarterly revenue reached about $152 million, representing a 10% year-over-year increase, with subscription revenue climbing 11% to roughly $133 million [10] - Profitability improved significantly, with GAAP operating margin rising to 8% after a loss the previous year, and non-GAAP operating income increasing by more than 40% [10] Market Position and Strategy - nCino's offerings include the nCino Bank Operating System and the SimpleNexus suite, which focus on process automation, data analytics, and AI/ML-driven insights [8] - The company generates revenue primarily through software-as-a-service (SaaS) subscriptions and related services that digitize banking workflows and compliance processes [8] - nCino serves a diverse client base, including global financial institutions, enterprise and regional banks, community banks, credit unions, and independent mortgage banks [8] Investment Insights - Ophir Asset Management disclosed a new position in nCino, acquiring 1,325,484 shares valued at $33.99 million, which represents 3.81% of its reportable U.S. equity assets as of December 31, 2025 [1][7] - The investment reflects a contrarian approach, betting on the company's growth potential despite market skepticism towards fintech and software companies linked to the banking sector [9] - nCino is positioned at the forefront of a long-term shift in banking, as financial institutions globally replace legacy software with cloud-based systems that automate lending, compliance, and customer onboarding [11]