Welcome to our dedicated page for Consumer Port SEC filings (Ticker: CPSS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Consumer Portfolio Services, Inc. (CPSS) SEC filings page on Stock Titan brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, giving investors direct access to official information about this specialty auto finance business. CPS is an independent finance company that provides indirect automobile financing by purchasing and servicing retail installment sales contracts, and its filings explain how this model operates, how receivables are funded, and how governance and compensation structures are organized.
Through its current reports on Form 8-K, CPS discloses material events such as earnings announcements, securitization transactions, revolving credit agreements, and investor presentations. For example, 8-K filings describe term securitizations of subprime automotive receivables, including the sale of receivables to a trust, issuance of multiple classes of asset-backed notes, credit enhancement features like overcollateralization and reserve accounts, and the treatment of the notes as long-term debt obligations of CPS for accounting and tax purposes. Other 8-Ks discuss entry into material definitive agreements, such as two-year revolving credit facilities secured by automobile receivables, with details on maximum borrowing amounts, advance rates, interest rate spreads, and funding termination dates.
CPS also uses 8-K filings to furnish earnings releases that summarize revenues, operating expenses, pretax income, net income, receivables balances, delinquency levels, and net charge-offs for its auto loan portfolio. These filings provide a structured view of portfolio performance and credit risk. Additional 8-Ks may furnish investor presentations that the company makes available on its website, offering further context on strategy and financial metrics.
The company’s definitive proxy statement on Schedule DEF 14A contains information about its annual meeting of shareholders, including proposals to elect directors, ratify independent auditors, approve advisory resolutions on executive compensation, and adopt equity incentive plans. Within these materials, investors can review voting mechanics, board recommendations, and the structure of plans such as the Consumer Portfolio Services, Inc. 2025 Equity Incentive Plan, which authorizes various forms of equity-based awards.
On Stock Titan, these filings are complemented by AI-powered summaries that explain the significance of each document in clear language. Real-time updates from EDGAR ensure that new 8-Ks, proxy statements, and other filings appear promptly, while AI-generated highlights help users quickly identify key points about CPS’s securitizations, funding arrangements, earnings results, and governance decisions. Investors can also use the filings page to monitor information relevant to executive compensation and equity incentive plans, as well as the company’s ongoing communications about its specialty auto finance operations.
Robert E. Riedl, Senior Executive Vice President of Consumer Portfolio Services (CPSS), was granted stock options. The award is for 120,000 stock options with an exercise price of $8.19. The options become exercisable in four equal increments beginning one year after grant and continuing annually through the fourth year, and they expire in 2032. The filing states the options were issued as consideration for services to the company and are held directly by the reporting person.
Consumer Portfolio Services (CPSS) reported a Form 4 showing an equity award to director Lisette Reynoso. On 09/09/2025 Ms. Reynoso was issued a stock option with an $8.19 exercise price for 60,000 shares, exercisable in four equal installments beginning 09/09/2026 and continuing annually through 09/09/2029, with an expiration date of 09/09/2032. The filing states the options were issued in consideration of her services and that the 60,000 underlying common shares are beneficially owned directly following the grant. The Form 4 was signed and filed on 09/11/2025.
Consumer Portfolio Services insider reported a single transaction: Catrina Ralston, Sr. Vice President, received a stock option grant dated 09/09/2025 to purchase 60,000 shares of common stock at an exercise price of $8.19 per share. The option becomes exercisable in four equal installments on 09/09/2026, 09/09/2027, 09/09/2028, and 09/09/2029, and expires on 09/09/2032. The filing states the shares were issued in consideration of the reporting person’s services. The Form 4 was signed by Catrina Ralston on 09/11/2025.
Michael T. Lavin, President of Consumer Portfolio Services, Inc. (CPSS), received a grant of 120,000 stock options on 09/09/2025. The options have an exercise price of $8.19, were issued as consideration for services, and expire on 09/09/2032. They become exercisable in four equal annual installments beginning 09/09/2026 through 09/09/2029. The filing reports 120,000 underlying shares associated with the options and indicates direct beneficial ownership following the grant. The Form 4 was signed on 09/11/2025.
Noel Jackson, Sr. Vice President of Consumer Portfolio Services, Inc. (CPSS), received a stock option award on 09/09/2025. The option grants the right to buy 60,000 shares of common stock at an exercise price of $8.19 per share and expires on 09/09/2032. The option becomes exercisable in four equal installments on 09/09/2026, 09/09/2027, 09/09/2028, and 09/09/2029. The award was issued as consideration for Jackson’s services and, following the reported transaction, he beneficially owns 60,000 underlying shares directly. The Form 4 is signed by Noel Jackson on 09/11/2025.
Charles E. Gonel, Sr. Vice President of Consumer Portfolio Services (CPSS), was granted a stock option on 09/09/2025 to purchase 60,000 shares of common stock at an exercise price of $8.19 per share. The option expires on 09/09/2032 and becomes exercisable in four equal annual installments beginning 09/09/2026 through 09/09/2029. The option shares were issued as consideration for services.
Charles E. Bradley Jr., who serves as CEO, a director and a >10% owner of Consumer Portfolio Services (CPSS), received a grant of 300,000 stock options with an exercise price of $8.19. The options were issued in consideration of his services and were dated 09/09/2025. They become exercisable in four equal annual installments beginning on 09/09/2026 and fully vest by 09/09/2029, and expire on 09/09/2032. The Form 4 reports the reporting person holds 300,000 underlying common shares on a direct basis following the transaction.
Denesh Bharwani, Executive Vice President of Consumer Portfolio Services, Inc. (CPSS), was granted a stock option on 09/09/2025 to buy 90,000 shares of the company’s common stock at an exercise price of $8.19 per share. The option expires on 09/09/2032 and becomes exercisable in four equal annual increments beginning on 09/09/2026 and ending on 09/09/2029. The award was issued as consideration for Mr. Bharwani’s service and is reported as directly owned. The transaction was disclosed on a Form 4 signed 09/11/2025. No cash purchase was reported; this is a compensation-related derivative grant.
Consumer Portfolio Services (CPSS) reported a grant of a stock option to Michele L. Baumeister, Senior Vice President. The option, granted on 09/09/2025, permits purchase of 60,000 shares of common stock at an exercise price of $8.19 per share and expires on 09/09/2032. The option becomes exercisable in four equal annual installments beginning 09/09/2026 through 09/09/2029. The filing states the shares underlying the option were issued as consideration for services rendered and that the reporting person holds the 60,000 shares directly following the transaction.
Amendment No. 5 to Schedule 13D reports that Black Diamond Holdings, LLLP and Stephen H. Deckoff replaced BDCM CT, L.L.C. as the primary registered investment adviser exercising investment discretion over accounts holding Consumer Portfolio Services, Inc. common stock. The Continuing Reporting Persons report beneficial ownership of 5,127,165 shares, representing approximately 23.1% of the company's outstanding common stock based on 22,224,186 shares outstanding as of August 8, 2025. The filing notes shared voting and dispositive power over these shares and attaches a joint filing agreement as Exhibit G.
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