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Consumer Portfolio Services (CPSS) executive nets shares after 30K option exercise

(Neutral)
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Form Type
4

Rhea-AI Filing Summary

Consumer Portfolio Services senior vice president Michele L. Baumeister exercised a stock option for 30,000 shares of common stock at $3.53 per share on August 4, 2026. Through a net exercise, she received 15,829 shares and forfeited 14,171 shares to cover the exercise price and tax liability, valued at $9.31 per share.

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Insider Baumeister Michele L
Role Sr. Vice President
Type Security Shares Price Value
Exercise Stock Option (right to buy) F3, F2 30,000 -- --
Exercise Common Stock, no par value 30,000 $3.53 $106K
Exercise Price or Tax Liability Common Stock, no par value F1 14,171 $9.31 $132K
Holdings After Transaction: Stock Option (right to buy) — 0 shares (Direct); Common Stock, no par value — 79,728 shares (Direct)
Footnotes (3)
  1. F1. Represents a "net exercise" of outstanding stock options. The reporting person received 15,829 shares of common stock on net exercise of option to purchase 30,000 shares of common stock. The reporting person forfeited 14,171 shares of common stock underlying the option in payment of the exercise price and tax liability, using the closing stock price on August 4, 2026 of $9.31 per share.
  2. F2. Became exercisable in 4 equal installments of 7,500 shares on 8/8/2020, 8/8/2021, 8/8/2022, and 8/8/2023.
  3. F3. Issued in consideration of the named person's services to the issuer.
Options exercised 30,000 shares Stock Option (right to buy) exercised on August 4, 2026
Exercise price $3.53 per share Exercise price of the 30,000-share stock option
Shares withheld for exercise price and taxes 14,171 shares Common stock delivered to pay exercise price and tax liability
Valuation price for withheld shares $9.31 per share Closing stock price on August 4, 2026 used to value 14,171 forfeited shares
Net shares received 15,829 shares Common shares received by Baumeister from the net option exercise
Option expiration date 2026-08-08 Expiration date of the exercised stock option
net exercise financial
"Represents a "net exercise" of outstanding stock options."
A net exercise is a way to convert stock options into shares without paying cash up front: instead of handing over money to buy the optioned shares, the holder receives only the number of shares equal to the option’s value after the company withholds a portion of shares to cover the exercise price and taxes. It matters to investors because it changes how many new shares are issued, affects dilution of existing shareholders, and alters company cash flow compared with a cash exercise.
Stock Option (right to buy financial
"Security titled "Stock Option (right to buy)" was exercised."
exercise price financial
"Forfeited 14,171 shares of common stock underlying the option in payment of the exercise price."
The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.
tax liability financial
"Shares were forfeited in payment of the exercise price and tax liability."

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FAQ

What insider transactions did CPSS executive Michele L. Baumeister report?

Michele L. Baumeister exercised a stock option for 30,000 shares of Consumer Portfolio Services common stock at $3.53 per share. In a net exercise, she received 15,829 shares and forfeited 14,171 shares to satisfy the exercise price and related tax liability.

How many CPSS shares did Baumeister ultimately receive from the option exercise?

Baumeister ultimately received 15,829 shares of Consumer Portfolio Services common stock from the net option exercise. Although 30,000 shares were issuable, 14,171 shares were forfeited to pay the exercise price and tax obligations, leaving 15,829 shares delivered to her account.

What prices were used in Baumeister’s CPSS option and tax-withholding transactions?

The stock option had an exercise price of $3.53 per share for 30,000 shares. For the 14,171 shares forfeited to cover the exercise price and tax liability, the company used the $9.31 closing stock price on August 4, 2026 to value those shares.

How many CPSS shares were forfeited to cover Baumeister’s option exercise costs?

Baumeister forfeited 14,171 shares of Consumer Portfolio Services common stock to cover the option exercise price and tax liability. These shares were valued using the $9.31 closing price on August 4, 2026, as described in the filing footnote.

What were the terms of Baumeister’s CPSS stock option that was exercised?

The exercised Consumer Portfolio Services option covered 30,000 shares at an exercise price of $3.53 per share and was set to expire on 2026-08-08. It became exercisable in four equal installments of 7,500 shares on August 8 of 2020, 2021, 2022, and 2023.

How was the CPSS option exercise characterized in the filing for Baumeister?

The transaction is described as a “net exercise” of outstanding stock options. Baumeister received 15,829 shares on exercising the right to purchase 30,000 shares and forfeited 14,171 shares of common stock to pay the exercise price and associated tax liability.
SEC Form 4
FORM 4UNITED 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*
Baumeister Michele L

(Last)(First)(Middle)
19500 JAMBOREE RD
STE 600

(Street)
IRVINE CALIFORNIA 92610

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
CONSUMER PORTFOLIO SERVICES, INC. [ CPSS ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
Director10% Owner
XOfficer (give title below)Other (specify below)
Sr. Vice President
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
08/04/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock, no par value08/04/2026M30,000A$3.5393,899D
Common Stock, no par value08/04/2026F(1)14,171D$9.3179,728D
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Stock Option (right to buy)$3.5308/04/2026M30,000 (2)08/08/2026Common Stock30,000(3)0D
Explanation of Responses:
1. Represents a "net exercise" of outstanding stock options. The reporting person received 15,829 shares of common stock on net exercise of option to purchase 30,000 shares of common stock. The reporting person forfeited 14,171 shares of common stock underlying the option in payment of the exercise price and tax liability, using the closing stock price on August 4, 2026 of $9.31 per share.
2. Became exercisable in 4 equal installments of 7,500 shares on 8/8/2020, 8/8/2021, 8/8/2022, and 8/8/2023.
3. Issued in consideration of the named person's services to the issuer.
/s/ Michele Baumeister08/05/2026
** Signature of Reporting PersonDate
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)