Welcome to our dedicated page for AMERICAS 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.
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America’s Car-Mart reported that fiscal 2026 was dominated by liquidity and capital-structure constraints rather than weakening customer demand. Total revenue fell 7.9% to $1.28 billion and retail units sold declined 14.3% to 48,891 as the company deliberately cut inventory purchases and originations to preserve cash.
The company posted a loss of $16.79 per share, of which $13.08 per share relates to one-time items including a valuation allowance on deferred tax assets, higher credit-loss reserves, and impairment from consolidating locations. It closed 60 dealerships, reducing the network from 154 to 94 stores, while total collections rose 2.2% to $730.0 million and average monthly collections per active customer improved.
Liquidity remains strained. Total debt was $722.4 million, with net debt of $590.7 million, and unrestricted cash increased to $47.0 million. A $300 million senior secured term loan replaced the revolver, but covenant pressure led to a June 19, 2026 amendment providing temporary relief tied to strict milestones. The 10‑K includes a going‑concern disclosure and warns that failure to secure additional financing or a strategic transaction could force restructuring or bankruptcy, potentially resulting in a significant or complete loss for common shareholders.
America’s Car-Mart, Inc. is calling a September 23, 2026 annual stockholder meeting to vote on four key items: electing ten directors, an advisory “say-on-pay” vote on named executive officer compensation, ratifying Grant Thornton LLP as auditor for the fiscal year ending April 30, 2027, and approving an amendment to the 2024 Equity Incentive Plan.
The equity plan amendment would increase the share reserve by 1,000,000 shares, raising the total from 500,000 to 1,500,000 shares, with the same limit for incentive stock options. As of August 3, 2026, only 55,654 shares remained available under the plan, and 288,404 nonqualified stock options were granted as contingent retention awards that become effective only if the amendment is approved; these include 130,293 options for the CEO.
Directors and executive officers as a group beneficially own 1,688,075 shares, or 18.4% of the 8,663,493 shares outstanding as of August 10, 2026, with several large institutional and hedge fund holders also disclosed. The company highlights governance structures, including independent board committees and a special committee overseeing a strategic alternatives review, and notes that women comprise 52% of associates and 20% of board nominees.
Ameriprise Financial, Inc. and its subsidiary Columbia Management Investment Advisers, LLC report beneficial ownership of common stock of America's Car-Mart, Inc. They report no sole voting or dispositive power, but shared power over approximately 559,845–559,896 shares, representing 6.7% of the outstanding common stock. Ameriprise may be deemed to beneficially own shares reported by Columbia and both entities disclaim beneficial ownership of the reported shares.
Magnolia Capital Fund, LP, together with The Magnolia Group, LLC and Adam K. Peterson, reports beneficial ownership of 1,119,875 shares of America's Car‑Mart Inc. common stock, representing 13.5% of the outstanding class as of June 30, 2026. Each reporting person is shown with sole voting and sole dispositive power over these shares, with no shared voting or dispositive power.
The Magnolia Group, LLC is the general partner of Magnolia Capital Fund, LP, and Adam K. Peterson is the managing member of The Magnolia Group, LLC. The Magnolia Group and Mr. Peterson may be deemed indirect beneficial owners of the shares held by Magnolia Capital Fund, LP but each disclaims beneficial ownership of the common stock. The parties entered into a joint filing agreement dated August 7, 2026.
Americas CarMart IncMichael J. Wartell
AMERICAS CARMART INC executive Marie E. Persichetti, Chief Financial Officer, reported her initial equity holdings. She directly holds 2,441 shares of common stock, including 2,057 shares of restricted stock. Of these restricted shares, 816 are scheduled to vest in two equal annual installments beginning on May 27, 2027, and 1,241 are scheduled to vest in two installments of 620 shares on January 16, 2029 and 621 shares on January 16, 2031.
She also holds employee stock options over common stock, exercisable for up to 2,374 shares at an exercise price of $51.02 per share, expiring on May 27, 2035. This option vests in five equal annual installments that began on May 27, 2026. A second option covers up to 6,007 shares at an exercise price of $7.37 per share, expiring on June 3, 2036, and vests in four equal annual installments beginning on June 3, 2027.
AMERICAS CARMART INC director Nathan E. Gilbert filed an initial Statement of Beneficial Ownership on Form 3. The filing identifies him as a director and indicates no reportable transactions or equity holdings at this time, serving as a baseline disclosure of his insider status.
Askeladden Capital Management LLC and Samir Patel report that they no longer beneficially own any shares of Americas Car-Mart Inc common stock. The cover pages show 0 shares beneficially owned and 0.0% of the class, with no sole or shared voting or dispositive power.
The filing states that Askeladden’s separately managed accounts are the record owners of any securities previously covered, and that Askeladden and Mr. Patel may have been deemed beneficial owners as investment adviser and member, respectively. They also note that ownership is now 5 percent or less of the class, based on 8,302,450 shares outstanding as of March 9, 2026.
Americas CarMart Inc. (CRMT) has a Schedule 13G/A filing from Prescott Group entities and principal Phil Frohlich reporting passive ownership of Common Stock. Prescott Group Aggressive Small Cap, L.P., Prescott Group Aggressive Small Cap II, L.P., and Prescott Group Aggressive Small Cap Master Fund, G.P. each beneficially own 227,724 shares of Common Stock. Prescott Group Capital Management, L.L.C. and Mr. Frohlich each beneficially own 227,976 shares, including 252 shares held in an additional partnership account. Each reporting person states beneficial ownership of approximately 2.7% of CRMT’s outstanding Common Stock, based on 8,327,329 shares outstanding as of July 14, 2026. The group certifies the holdings were not acquired for the purpose of changing or influencing control of the company.
America's Car-Mart, Inc. Class A Common Stock is reported as being beneficially owned by several Massachusetts Institute of Technology–related entities. MIT Investments 2010, LP, MIT Basic Retirement Plan Trust, and MIT Welfare Benefit Plan Trust collectively report 604,565 shares beneficially owned, representing 7.26% of the class as of June 30, 2026. All 604,565 shares are reported with sole voting and sole dispositive power and no shared power. The filing states that the shares are held directly by the three MIT-related entities through MIT Investment Management Company, and the filing persons expressly disclaim membership in a “group” for purposes of Rule 13d-5(b)(1).