Americas CarMart director granted 16,915 shares

Englander Daniel J reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Englander Daniel J reported acquisition or exercise transactions in this Form 4 filing.

Americas CarMart director Daniel J. Englander received a grant of 16,915 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. After the grant, he holds 55,165 Common Stock shares directly. He is also associated with 181,865 Common Stock shares held indirectly through Ursula Capital Partners, where he is the sole general partner and disclaims beneficial ownership except for his pecuniary interest.

Insider Trade Summary

Grant/Award: 16,915 shares

Grant/Award 2 txns

Insider Englander Daniel J

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock	16,915	$0.00	$0.00
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 55,165 shares (Direct); Common Stock — 181,865 shares (Indirect, See Footnote)

Footnotes (2)

1. F1. Represents an award of restricted stock which will vest in its entirety on May 1, 2027.
2. F2. Reflects shares held by Ursula Capital Partners, for which the reporting person is the sole general partner. The reporting person disclaims beneficial ownership of the shares held by Ursula Capital Partners except to the extent of his pecuniary interest therein.

Key Figures

Restricted stock grant: 16,915 shares Grant price: $0.00 per share Vesting date: May 1, 2027 +2 more

5 metrics

Restricted stock grant 16,915 shares Award of Common Stock coded as grant/award acquisition

Grant price $0.00 per share Price for the 16,915-share restricted stock award

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

Direct holdings after grant 55,165 shares Common Stock directly held by Daniel J. Englander after transaction

Indirect holdings via Ursula Capital Partners 181,865 shares Common Stock held by Ursula Capital Partners associated with Englander

Key Terms

restricted stock, pecuniary interest, beneficial ownership, indirect

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.

pecuniary interest financial

"The reporting person disclaims beneficial ownership of the shares ... except to the extent of his pecuniary interest therein."

beneficial ownership financial

"The reporting person disclaims beneficial ownership of the shares held by Ursula Capital Partners except to the extent of his pecuniary interest therein."

Beneficial ownership means the person or entity that actually enjoys the benefits of owning shares or other assets — such as receiving dividends, voting rights, or price gains — even if the legal title is held in another name. For investors it matters because knowing who truly controls and profits from a company reveals who can influence decisions, exposes potential conflicts of interest or hidden concentration of power, and affects transparency and risk in the stock.

indirect financial

"Reflects shares held by Ursula Capital Partners, for which the reporting person is the sole general partner."

FAQ

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

What insider transaction did CRMT director Daniel J. Englander report?

Daniel J. Englander reported receiving a grant of 16,915 shares of Americas CarMart Common Stock as a restricted stock award. The shares were granted at $0.00 per share and represent equity-based compensation rather than an open-market purchase or sale.

When do Daniel J. Englander’s new CRMT restricted shares vest?

The 16,915-share restricted stock award granted to Daniel J. Englander will vest in its entirety on May 1, 2027. Until vesting, the shares are subject to restrictions that typically require continued service or meeting specified conditions to become fully owned.

How many CRMT shares does Daniel J. Englander hold directly after this filing?

Following the restricted stock grant, Daniel J. Englander holds 55,165 shares of Americas CarMart Common Stock directly. This figure reflects his direct ownership position reported in the Form 4 and includes the newly granted restricted shares subject to vesting conditions.

What is Ursula Capital Partners’ relationship to Daniel J. Englander’s CRMT holdings?

Ursula Capital Partners holds 181,865 Americas CarMart shares reported as indirect holdings related to Daniel J. Englander. He is the sole general partner of Ursula Capital Partners but disclaims beneficial ownership of these shares except to the extent of his pecuniary interest in the entity.

Did Daniel J. Englander buy or sell CRMT shares on the market in this Form 4?

The Form 4 shows a grant of 16,915 restricted shares at $0.00 per share to Daniel J. Englander, rather than an open-market purchase or sale. The other reported entry reflects indirect holdings through Ursula Capital Partners, not a new market transaction.

What type of transaction is coded as “A” in Daniel J. Englander’s CRMT Form 4?

The transaction code “A” in Daniel J. Englander’s Form 4 indicates a grant, award, or other acquisition of securities. In this case, it reflects a compensation-related award of 16,915 restricted Common Stock shares instead of an open-market trade initiated by the director.

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

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Accepted by SEC EDGAR 05/05/2026 - 09:38 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^*

Englander Daniel J

(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		16,915(1)	A	$0	55,165	D
Common Stock								181,865	I	See Footnote(2)

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. Reflects shares held by Ursula Capital Partners, for which the reporting person is the sole general partner. The reporting person disclaims beneficial ownership of the shares held by Ursula Capital Partners except to the extent of his pecuniary interest therein.

	/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)