Form 4: Bharwani Denesh reports disposition transactions in CPSS

Rhea-AI Filing Summary

Bharwani Denesh reported disposition transactions in a Form 4 filing for CPSS. The filing lists transactions totaling 9,000 shares. Following the reported transactions, holdings were 301,881 shares.

Insider Trade Summary

9,000 shares gifted

Mixed 1 txn

Insider Bharwani Denesh

Role Exec. Vice President

Type	Security	Shares	Price	Value
Gift	Common Stock, no par value	9,000	$0.00	--

Holdings After Transaction: Common Stock, no par value — 301,881 shares (Direct)

Footnotes (1)

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Form 4 Insider Transactions: What Each Field Means →

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
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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^*

Bharwani Denesh

(Last) (First) (Middle)

3800 HOWARD HUGHES PKWY

(Street)

LAS VEGAS NV 89169

(City) (State) (Zip)

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)
	Exec. Vice President

3. Date of Earliest Transaction (Month/Day/Year)
02/12/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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
Common Stock, no par value	02/12/2026		G		9,000	D	$0(1)	301,881	D

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

Explanation of Responses:

1. Bona Fide Gift. No payment was received for the gifting of shares.

	/s/ Denesh Bharwani	02/17/2026
	** 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.

FAQ

What insider transaction did CPSS executive Denesh Bharwani report on this Form 4?

Denesh Bharwani reported a bona fide gift of 9,000 shares of Consumer Portfolio Services common stock. The transaction occurred on February 12, 2026 and was coded “G,” indicating a gift disposition rather than an open-market purchase or sale.

How many CPSS shares does Denesh Bharwani own after the reported gift?

After gifting 9,000 shares, Denesh Bharwani beneficially owns 301,881 shares of Consumer Portfolio Services common stock. This figure reflects his direct ownership immediately following the reported February 12, 2026 transaction, as disclosed in Table I of the Form 4.

Was any payment received for the 9,000 CPSS shares transferred by Denesh Bharwani?

No payment was received for the 9,000 transferred shares. A footnote explains the transaction was a bona fide gift, explicitly stating that no payment was received for the gifting of shares, confirming it was a non-cash transfer to another party.

What is Denesh Bharwani’s role at Consumer Portfolio Services (CPSS)?

Denesh Bharwani is an Executive Vice President at Consumer Portfolio Services. The Form 4 identifies him as an officer of the company with that specific title, and not as a director or 10% owner, in the relationship section of the filing.

How is the February 12, 2026 CPSS insider transaction classified on the Form 4?

The transaction is classified with code “G,” meaning a bona fide gift. It involves disposal of 9,000 shares of common stock at a reported price of $0 per share, consistent with the accompanying footnote that confirms no payment was received for the gift.

Does this CPSS Form 4 show any derivative securities transactions for Denesh Bharwani?

No derivative securities transactions are reported for Denesh Bharwani in this Form 4. Table II, which covers options, warrants, and other derivatives, shows no entries, indicating only a non-derivative common stock gift was disclosed for this reportable period.