CPSS 10% owner nets 18,905 shares in option move

CONSUMER PORTFOLIO SERVICES, INC. senior vice president Charles E. Gonel reported an option-related share transaction.

Rhea-AI Filing Summary

CONSUMER PORTFOLIO SERVICES, INC. senior vice president Charles E. Gonel reported an option-related share transaction. He exercised stock options for 30,000 shares of common stock at an exercise price of $3.53 per share. As part of a net exercise, 11,095 shares were forfeited to cover the exercise price and tax liability using the $10.00 closing stock price on June 26, 2026, and he received 18,905 shares of common stock. Following these transactions, he directly holds 43,752 shares of common stock, and the exercised option covering 30,000 shares is fully exhausted.

Insider Trade Summary

30,000 shares exercised/converted

Exercise 3 txns

Insider Gonel Charles E.

Role Sr. Vice President

Type	Security	Shares	Price	Value
Exercise	Stock Option (right to buy)	30,000	$0.00	$0.00
Exercise	Common Stock, no par value	30,000	$3.53	$106K
Exercise Price or Tax Liability	Common Stock, no par value	11,095	$10.00	$111K

Holdings After Transaction: Stock Option (right to buy) — 0 contracts (Direct); Common Stock, no par value — 43,752 shares (Direct)

Footnotes (3)

1. F1. Represents a "net exercise" of outstanding stock options. The reporting person received 18,905 shares of common stock on net exercise of option to purchase 30,000 shares of common stock. The reporting person forfeited 11,095 shares of common stock underlying the option in payment of the exercise price and tax liability, using the closing stock price on June 26, 2026 of $10.00 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.

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Accepted by SEC EDGAR 06/30/2026 - 06:31 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)

3800 HOWARD HUGHES PRKWY

SUITE 1400

(Street)

LAS VEGAS NEVADA 89169

(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)
06/26/2026

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
Common Stock, no par value	06/26/2026		M		30,000	A	$3.53	54,847	D
Common Stock, no par value	06/26/2026		F(1)		11,095	D	$10	43,752	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
Stock Option (right to buy)	$3.53	06/26/2026		M			30,000	(2)	08/08/2026	Common Stock	30,000	(3)	0	D

Explanation of Responses:

1. Represents a "net exercise" of outstanding stock options. The reporting person received 18,905 shares of common stock on net exercise of option to purchase 30,000 shares of common stock. The reporting person forfeited 11,095 shares of common stock underlying the option in payment of the exercise price and tax liability, using the closing stock price on June 26, 2026 of $10.00 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/ Charles Gonel	06/30/2026
	** 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)