CPS executive granted 60,000 stock options at $9.20

CONSUMER PORTFOLIO SERVICES, INC. reported that Sr.

Rhea-AI Filing Summary

CONSUMER PORTFOLIO SERVICES, INC. reported that Sr. Vice President Charles E. Gonel received a grant of stock options covering 60,000 shares of common stock, with an exercise price of $9.20 per share and an expiration date of August 11, 2033. The options become exercisable in four equal annual installments on August 11 of 2027, 2028, 2029, and 2030, and were issued as consideration for his services to the company.

Insider Trade Summary

Grant/Award: 60,000 shares

Grant/Award 1 txn

Insider Gonel Charles E.

Role Sr. Vice President

Type	Security	Shares	Price	Value
Grant/Award	Stock Option (right to buy) F2, F1	60,000	--	--

Holdings After Transaction: Stock Option (right to buy) — 60,000 contracts (Direct)

Footnotes (2)

1. F1. Becomes exercisable in four equal installments on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030.
2. F2. Issued in consideration of the named person's services to the issuer.

Key Figures

Options Granted: 60,000 options Exercise Price: $9.20 per share Expiration Date: August 11, 2033 +2 more

5 metrics

Options Granted 60,000 options Stock Option (right to buy) granted to Sr. Vice President Charles E. Gonel

Exercise Price $9.20 per share Conversion or exercise price of the stock option grant

Expiration Date August 11, 2033 Option expiration for the 60,000-share stock option award

Underlying Shares 60,000 shares Common Stock, No Par Value, underlying the stock option grant

Vesting Installments 4 equal installments Becomes exercisable on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030

Key Terms

Stock Option (right to buy), conversion or exercise price, grant, award, or other acquisition, Becomes exercisable

4 terms

Stock Option (right to buy) financial

"security_title is listed as Stock Option (right to buy)"

conversion or exercise price financial

"The conversion or exercise price is reported as 9.2000"

grant, award, or other acquisition financial

"Transaction code A is described as Grant, award, or other acquisition"

Becomes exercisable financial

"Becomes exercisable in four equal installments on 8/11/2027..."

FAQ

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

What did CPSS disclose about Charles E. Gonel’s latest equity award?

CONSUMER PORTFOLIO SERVICES, INC. disclosed that Sr. Vice President Charles E. Gonel received 60,000 stock options. These options relate to common stock with an exercise price of $9.20 per share, expiring on August 11, 2033, as part of his service-based compensation.

How many CPSS shares are covered by Charles E. Gonel’s new options?

The new option grant to Charles E. Gonel covers 60,000 shares of CONSUMER PORTFOLIO SERVICES, INC. common stock. Following this grant, his reported option holdings from this award total 60,000 options tied to the same number of underlying common shares.

What is the exercise price and term of Charles E. Gonel’s CPSS stock options?

Charles E. Gonel’s stock options have an exercise price of $9.20 per share and expire on August 11, 2033. This gives him the right to buy CPSS common stock at that price if and when the options vest and are exercised.

When do Charles E. Gonel’s CPSS options vest?

The options granted to Charles E. Gonel become exercisable in four equal installments on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030. This vesting schedule means 25% of the award becomes exercisable on each of those dates.

Why were these CPSS stock options granted to Charles E. Gonel?

The options were issued to Charles E. Gonel in consideration of his services to CONSUMER PORTFOLIO SERVICES, INC. This indicates the award is part of his compensation package rather than a market purchase or sale of existing shares.

Is Charles E. Gonel’s new CPSS option position held directly or indirectly?

The Form 4 indicates that Charles E. Gonel holds the 60,000 stock options directly. The ownership type is coded as direct, with no referenced trust or other entity for this particular derivative position.

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

Form 4 Insider Transactions: What Each Field Means →

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Accepted by SEC EDGAR 08/13/2026 - 08:40 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^*

Gonel Charles E.

(Last) (First) (Middle)

19500 JAMBOREE RD

STE 600

(Street)

IRVINE CALIFORNIA

(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)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Sr. Vice President

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

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
Stock Option (right to buy)	$9.2	08/11/2026		A		60,000		(1)	08/11/2033	Common Stock, No Par Value	60,000	(2)	60,000	D

Explanation of Responses:

1. Becomes exercisable in four equal installments on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030.

2. Issued in consideration of the named person's services to the issuer.

	/s/ Charles Gonel	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)