Welcome to our dedicated page for Amer Carmart SEC filings (Ticker: CRMT), 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.
Tracking America’s Car-Mart disclosures can feel like sorting through loan files and engine diagnostics at the same time. Each 10-K blends used-car retail metrics with sub-prime credit loss data, while frequent 8-Ks flag repossession trends and policy tweaks. If you have struggled to locate delinquency ratios, insider trades, or the latest accident-protection revenue breakout, you are not alone.
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America's Car-Mart, Inc. presents its 2025 proxy materials describing governance, director nominees, executive compensation and certain corporate policies. The board recommends nine director nominees, highlighting directors' public company, financial and automotive experience, and nominates Brandi N. Joplin as a new director candidate. Management reports fiscal 2025 results: revenue of approximately $1.4 billion (down 0.2% vs prior year), net income of $17.9 million versus a prior-year net loss of $31.4 million, a 1.7% retail unit volume decline, a 5.0% increase in interest and other income, and a 1.5% increase in average retail sales price. Provision for credit losses improved by 11.5%, attributed to underwriting and a new loan origination system. The proxy discloses executive pay programs including target bonuses, employment and change-in-control arrangements, a 2024 Equity Incentive Plan with a 500,000-share reserve, a CEO pay ratio of 29:1, and a clawback policy for incentive compensation.
Magnolia Capital Fund, LP, The Magnolia Group, LLC and Adam K. Peterson report beneficial ownership of 1,428,094 shares of Americas Car-Mart Inc. common stock, representing 17.3% of the class. The shares are held directly by Magnolia Capital Fund; The Magnolia Group is identified as the general partner and Mr. Peterson as the managing member.
The filing states each reporting person has sole voting and dispositive power over the 1,428,094 shares while The Magnolia Group and Mr. Peterson disclaim beneficial ownership. It also certifies the securities were acquired and are held in the ordinary course of business and were not acquired to change or influence control of the issuer.
America's Car Mart Chief Accounting Officer Vickie D. Judy reported a disposition of shares on June 24, 2025. The insider executed a Form 4 filing disclosing the following transaction:
- Disposed of 318 shares of Common Stock at $55.50 per share through a tax withholding transaction (Code F)
- Following the transaction, the insider holds 32,217.9212 shares directly
- This includes 2,562.9212 shares held under the company's Employee Stock Purchase Plan
The transaction appears to be a routine withholding of shares for tax purposes rather than an open market sale. The filing was signed by Courtney C. Crouch, III, via Power of Attorney on June 26, 2025.
Jonathan M. Collins, Chief Financial Officer of America's Car Mart, reported a purchase of 102 shares of Common Stock on June 17, 2025, at a price of $49.30 per share. Following this transaction, Collins now directly owns 6,247 shares of the company.
Key transaction details:
- Transaction Type: Open market purchase (Code P)
- Total Transaction Value: $5,028.60
- Ownership Type: Direct
- Filing Date: June 28, 2025
This insider purchase by a key executive officer may signal confidence in the company's future prospects. The Form 4 was filed within the required reporting timeframe and was signed by Courtney C. Crouch, III, under power of attorney.