STOCK TITAN

CRMT (CRMT) accounting chief receives stock options and restricted stock awards

(Neutral)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Americas Car-Mart Chief Accounting Officer Judy Vickie D. reported receiving equity awards from the company. She was granted 6,007 employee stock options with an exercise price of $7.37 per share, which will vest in four equal annual installments beginning on June 3, 2027 and expire on June 3, 2036. She also received a restricted stock award of 1,241 common shares, scheduled to vest in two installments of 620 shares on January 16, 2029 and 621 shares on January 16, 2031. Following these awards, she directly holds 33,059.9902 common shares, including 3,230.9902 shares under the America's Car-Mart, Inc. Employee Stock Purchase Plan.

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Insider Judy Vickie D.
Role Chief Accounting Officer
Type Security Shares Price Value
Grant/Award Employee Stock Option (Right to Buy) 6,007 $0.00 --
Grant/Award Common Stock 1,241 $0.00 --
Holdings After Transaction: Employee Stock Option (Right to Buy) — 6,007 shares (Direct); Common Stock — 33,059.99 shares (Direct)
Footnotes (1)
  1. Represents an award of restricted stock which will vest in two installments of 620 shares on January 16, 2029 and 621 shares on January 16, 2031, respectively. Includes 3,230.9902 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan. Represents an award of stock options which will vest in four equal annual installments beginning on June 3, 2027.
Stock options granted 6,007 options Employee Stock Option grant on June 3, 2026
Option exercise price $7.37 per share Exercise price for 6,007 options
Option expiration June 3, 2036 Expiration date of stock options
Restricted stock granted 1,241 shares Restricted stock award vesting 2029 and 2031
Shares held after grant 33,059.9902 shares Total direct common stock holdings after transactions
ESPP shares included 3,230.9902 shares Held under Employee Stock Purchase Plan
Employee Stock Option financial
"Employee Stock Option (Right to Buy)"
An employee stock option is a promise that lets a worker buy company shares later at a predetermined price, often after they stay for a certain period or meet performance goals — think of it like a coupon that locks in today's price for a future purchase. It matters to investors because options align employees’ incentives with company performance, can increase the number of shares outstanding (dilution) when exercised, and represent a compensation cost that affects reported profits and shareholder value.
restricted stock financial
"Represents an award of restricted stock which will vest in two installments"
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.
vest financial
"will vest in two installments of 620 shares on January 16, 2029"
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.
Employee Stock Purchase Plan financial
"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.

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

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FAQ

What equity awards did CRMT’s Chief Accounting Officer receive in this Form 4?

The Chief Accounting Officer received 6,007 employee stock options at an exercise price of $7.37 and 1,241 shares of restricted common stock. Both awards are compensation-related grants with multi-year vesting schedules rather than open-market purchases or sales.

How many CRMT options were granted to the Chief Accounting Officer and at what price?

She was granted 6,007 employee stock options with an exercise price of $7.37 per share. These options vest in four equal annual installments starting June 3, 2027, and expire on June 3, 2036, reflecting a long-term incentive structure.

What are the vesting dates for the restricted stock granted to CRMT’s Chief Accounting Officer?

The 1,241 restricted shares vest in two tranches: 620 shares on January 16, 2029, and 621 shares on January 16, 2031. This staggered vesting encourages longer-term retention and alignment with shareholders over several years.

How many CRMT shares does the Chief Accounting Officer hold after these transactions?

After the reported grants, she directly holds 33,059.9902 shares of common stock. This figure includes 3,230.9902 shares held through the America's Car-Mart, Inc. Employee Stock Purchase Plan, as disclosed in the filing footnotes.

Are the CRMT transactions in this Form 4 open-market buys or compensation grants?

The transactions are compensation-related grants classified with code A, not open-market trades. They represent a stock option award and a restricted stock award, both granted at zero transaction price with specified vesting schedules over future years.

What is the significance of the 2036 expiration date on the CRMT stock options?

The options expire on June 3, 2036, giving the officer about ten years from grant to exercise them after vesting. Such long-dated options are typical for executive incentives, tying potential gains to the company’s long-term share performance.
SEC Form 4
FORM 4UNITED 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)
Director10% Owner
XOfficer (give title below)Other (specify below)
Chief Accounting Officer
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
01/16/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock01/16/2026A1,241(1)A$033,059.9902(2)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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Employee Stock Option (Right to Buy)$7.3706/03/2026A6,007 (3)06/03/2036Common Stock6,007$06,007D
Explanation of Responses:
1. Represents an award of restricted stock which will vest in two installments of 620 shares on January 16, 2029 and 621 shares on January 16, 2031, respectively.
2. Includes 3,230.9902 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan.
3. 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 Attorney06/05/2026
** Signature of Reporting PersonDate
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)