[Form 4] AMERICAS CARMART INC Insider Trading Activity

Rhea-AI Filing Summary

America’s Car‑Mart (CRMT) reported an insider transaction by its Chief Operating Officer. On 10/18/2025, the officer had 2,510 shares of common stock withheld at $24.87 per share under transaction code F, which denotes shares withheld to cover taxes upon vesting of restricted stock. Following this administrative withholding, the officer beneficially owns 12,606 shares, held directly.

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^*

Fischer Jamie

(Last) (First) (Middle)

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

1805 NORTH 2ND STREET, SUITE 401

(Street)

ROGERS AR 72756

(City) (State) (Zip)

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 Operating Officer

3. Date of Earliest Transaction (Month/Day/Year)
10/18/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

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	10/18/2025		F		2,510(1)	D	$24.87	12,606	D

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 shares withheld by the issuer to satisfy the reporting person's tax obligation in connection with the vesting of a previously reported award of restricted stock.

Remarks:

Exhibit 24.1 - Power of Attorney

	/s/ Courtney C. Crouch, III, Pursuant to a Power of Attorney	10/21/2025
	** 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.

FAQ

What did CRMT disclose in this Form 4?

An officer had 2,510 CRMT shares withheld at $24.87 on 10/18/2025 to satisfy taxes on restricted stock vesting (code F).

Who is the reporting person in CRMT’s Form 4?

CRMT’s Chief Operating Officer is the reporting person.

How many CRMT shares does the officer own after the transaction?

The officer beneficially owns 12,606 shares directly after the transaction.

What does transaction code F mean for CRMT’s Form 4?

Code F indicates shares were withheld by the issuer to cover the reporting person’s tax obligation upon restricted stock vesting.

Was this an open market sale of CRMT shares?

No. It was a withholding to cover taxes related to a previously reported restricted stock vesting, not an open market sale.

Did the filing mention a Rule 10b5-1 plan?

The form includes the 10b5‑1 plan checkbox language, but the excerpt only confirms the tax withholding transaction.