Americas Car-Mart director granted 11,801 shares

Williams Jeffrey A reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Williams Jeffrey A reported acquisition or exercise transactions in this Form 4 filing.

Americas Car-Mart director Jeffrey A. Williams received a grant of 11,801 shares of common stock as a restricted stock award. The award carries a grant price of $0.00 per share and will vest in full on May 1, 2027, meaning he must remain eligible until that date to receive all shares.

After this grant, Williams directly owns 116,956 shares of Americas Car-Mart common stock, which includes 2,014 shares held through the company’s Employee Stock Purchase Plan. He also has an additional 5,457.7288 shares held indirectly through a 401(k) plan.

Insider Trade Summary

Grant/Award: 11,801 shares

Grant/Award 2 txns

Insider Williams Jeffrey A

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	11,801	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 116,956 shares (Direct); Common Stock — 5,457.7288 shares (Indirect, By 401(k) Plan)

Footnotes (2)

1. F1. Represents an award of restricted stock which will vest in its entirety on May 1, 2027.
2. F2. Includes 2,014 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan.

Key Figures

Restricted stock grant: 11,801 shares Grant price: $0.00 per share Vesting date: May 1, 2027 +3 more

6 metrics

Restricted stock grant 11,801 shares Award of restricted common stock to director Jeffrey A. Williams

Grant price $0.00 per share Price for the 11,801-share restricted stock award

Vesting date May 1, 2027 Restricted stock award vests in full on this date

Direct holdings after grant 116,956 shares Americas Car-Mart common stock held directly by Williams after award

Indirect 401(k) holdings 5,457.7288 shares Americas Car-Mart common stock held via 401(k) plan

ESPP shares included 2,014 shares Portion of direct holdings from Employee Stock Purchase Plan

Key Terms

restricted stock, Employee Stock Purchase Plan, 401(k) Plan, grant, award, or other acquisition

4 terms

restricted stock financial

"Represents an award of restricted stock which will vest in its entirety on May 1, 2027."

Shares granted to an individual that carry limits on transfer or sale until certain conditions are met, such as staying with the company for a set time or hitting performance targets. Think of them as a locked gift that gradually opens; for investors they matter because they affect how many shares may enter the market later, signal management incentives and potential dilution, and reveal confidence in future company performance.

Employee Stock Purchase Plan financial

"Includes 2,014 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan."

An employee stock purchase plan is a company program that lets workers buy shares through small payroll deductions, often at a discount to the market price and after a set offering period. Think of it like a workplace savings plan that turns into ownership: it encourages employees to share in the company’s success and can create predictable buying or selling of stock that investors watch because it affects supply, demand and employee incentives.

401(k) Plan financial

"Common Stock held indirectly with nature of ownership noted as By 401(k) Plan."

A 401(k) plan is a workplace retirement account that lets employees set aside part of their pay into a tax-advantaged savings pot, often with employers adding matching contributions — like a workplace piggy bank for future income. It matters to investors because the amount people save and how employers fund these plans influence consumer spending, corporate payroll costs and the flow of money into financial markets, which can affect stock prices and company valuations.

grant, award, or other acquisition financial

"Transaction code description lists Grant, award, or other acquisition for the 11,801-share transaction."

FAQ

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

What did CRMT director Jeffrey A. Williams report in this Form 4?

Jeffrey A. Williams reported receiving 11,801 shares of Americas Car-Mart common stock as a restricted stock award. The grant was priced at $0.00 per share and increased his direct ownership to 116,956 shares, plus additional indirect retirement-plan holdings.

When do Jeffrey A. Williams’ 11,801 restricted CRMT shares vest?

The 11,801 restricted shares granted to Jeffrey A. Williams will vest in their entirety on May 1, 2027. Vesting means the shares become fully his at that time, assuming the standard continued service or other conditions described for the award are satisfied.

How many Americas Car-Mart (CRMT) shares does Jeffrey A. Williams own after this grant?

Following the restricted stock award, Jeffrey A. Williams directly holds 116,956 shares of Americas Car-Mart common stock. He also has 5,457.7288 additional shares held indirectly through a 401(k) plan, giving him both direct and retirement-plan exposure to the stock.

Is the 11,801-share CRMT award a market purchase or compensation grant?

The 11,801-share transaction is a compensation-related grant, not an open-market purchase. It is reported with transaction code “A” for a grant, award, or other acquisition at a price of $0.00 per share, reflecting an equity award rather than a cash-funded buy.

What indirect CRMT holdings does Jeffrey A. Williams report?

Williams reports 5,457.7288 shares of Americas Car-Mart common stock held indirectly through a 401(k) plan. In addition, his direct holdings figure includes 2,014 shares accumulated under the company’s Employee Stock Purchase Plan, reflecting ongoing participation in employer stock programs.

What is the significance of the Employee Stock Purchase Plan shares for CRMT?

The filing notes that 2,014 of Jeffrey A. Williams’ directly held Americas Car-Mart shares come from the Employee Stock Purchase Plan. This indicates he has been acquiring stock through a company-sponsored program that lets employees buy shares, adding to his long-term equity exposure.

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

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Accepted by SEC EDGAR 05/05/2026 - 09:39 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^*

Williams Jeffrey A

(Last) (First) (Middle)

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

1805 NORTH 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)

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

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/01/2026

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	05/01/2026		A		11,801(1)	A	$0	116,956(2)	D
Common Stock								5,457.7288	I	By 401(k) Plan

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

Explanation of Responses:

1. Represents an award of restricted stock which will vest in its entirety on May 1, 2027.

2. Includes 2,014 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan.

	/s/ Courtney C. Crouch, III, Pursuant to a Power of Attorney	05/05/2026
	** 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)