America's Car-Mart awards accounting chief 10,329 options

The options vest over four equal annual installments beginning June 3, 2027, after shareholders approved the plan amendment.

Rhea-AI Filing Summary

America's Car-Mart Inc. (CRMT) Chief Accounting Officer Judy Vickie D. received an award of 10,329 employee stock options on September 23, 2026, with an exercise price of $7.37 per share and an expiration date of June 3, 2036. The options vest in four equal annual installments beginning June 3, 2027. Shareholders approved the required amendment to the 2024 Equity Incentive Plan on September 23, 2026. Her reported option holdings following the award were 16,336.

Insider Trade Summary

Grant/Award: 10,329 shares

Grant/Award 1 txn

Insider Judy Vickie D.

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Grant/Award	Employee Stock Option (Right to Buy) F1, F2	10,329	$0.00	$0.00

Holdings After Transaction: Employee Stock Option (Right to Buy) — 16,336 contracts (Direct)

Footnotes (2)

1. F1. The option grant was approved by the board of directors of America's Car-Mart, Inc. (the "Company") on June 3, 2026, subject to shareholder approval of an amendment to the Company's 2024 Equity Incentive Plan to increase the number of shares authorized for issuance under the plan. The Company's shareholders approved the proposed amendment on September 23, 2026.
2. F2. Represents an award of stock options which will vest in four equal annual installments beginning on June 3, 2027.

Key Figures

Options awarded: 10,329 options Exercise price: $7.37 per share Option holdings after award: 16,336 options +1 more

4 metrics

Options awarded 10,329 options Awarded September 23, 2026

Exercise price $7.37 per share Employee stock options

Option holdings after award 16,336 options Reported following the transaction

Vesting installments 4 equal annual installments Beginning June 3, 2027

Key Terms

stock options, exercise price, vest, 2024 Equity Incentive Plan

4 terms

stock options financial

"award of stock options which will vest in four equal annual installments"

Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.

exercise price financial

"exercise price of $7.37 per share"

The exercise price is the fixed amount at which you can buy or sell an asset, like a stock, when using an options contract. It matters because it helps determine whether exercising the option will be profitable or not, depending on the current market price. Think of it as the set price you agree on today to buy or sell later.

vest financial

"will vest in four equal annual installments"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

2024 Equity Incentive Plan technical

"amendment to the Company's 2024 Equity Incentive Plan"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How many CRMT stock options did Judy Vickie D. receive?

Judy Vickie D., Chief Accounting Officer, received 10,329 employee stock options on September 23, 2026. The options have an exercise price of $7.37 per share and expire June 3, 2036.

When do Judy Vickie D.'s CRMT options vest?

The options vest in four equal annual installments beginning June 3, 2027. The award was subject to shareholder approval of an amendment to the 2024 Equity Incentive Plan, which shareholders approved on September 23, 2026.

Was Judy Vickie D.'s CRMT option award reported under a Rule 10b5-1 plan?

No Rule 10b5-1 plan is reported.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 09/25/2026 - 02:26 PM Accepted by SEC EDGAR 09/25/2026 - 02:26 PM 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^*

Judy Vickie D.

(Last) (First) (Middle)

C/O AMERICA'S CAR-MART, INC.

1805 N. 2ND STREET, SUITE 401

(Street)

ROGERS ARKANSAS 72756

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
AMERICAS CARMART INC [ CRMT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Accounting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
09/23/2026

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

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
Employee Stock Option (Right to Buy)	$7.37	09/23/2026(1)		A		10,329		(2)	06/03/2036	Common Stock	10,329	$0	16,336	D

Explanation of Responses:

1. The option grant was approved by the board of directors of America's Car-Mart, Inc. (the "Company") on June 3, 2026, subject to shareholder approval of an amendment to the Company's 2024 Equity Incentive Plan to increase the number of shares authorized for issuance under the plan. The Company's shareholders approved the proposed amendment on September 23, 2026.

2. Represents an award of stock options which will vest in four equal annual installments beginning on June 3, 2027.

	/s/ Courtney C. Crouch, III, Pursuant to a Power of Attorney	09/25/2026
	** 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)