Welcome to our dedicated page for Amer Carmart SEC filings (Ticker: CRMT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The America’s Car-Mart, Inc. (CRMT) SEC filings page on Stock Titan provides direct access to the company’s regulatory disclosures, along with AI-powered summaries to help interpret complex documents. As a Texas corporation listed on the NASDAQ Global Select Market, America’s Car-Mart files annual and quarterly reports, current reports on Form 8-K, proxy statements, and other materials that detail its integrated used car sales and finance business, capital structure, and governance.
In its Form 8-K filings, the company has reported material events such as the entry into a $300 million senior secured term loan facility, the termination of a prior asset-backed revolving line of credit, and the completion of securitization transactions through indirect subsidiaries like ACM Auto Trust 2025-3. These filings describe how finance receivables and related assets are used as collateral, outline key terms of credit agreements, and disclose the issuance of warrants and asset-backed notes. Other 8-Ks cover topics such as operating results for specific quarters, notices from Nasdaq regarding periodic filing compliance, and the subsequent confirmation that the company regained compliance after filing its Form 10-K.
Proxy materials, including the definitive proxy statement on Schedule DEF 14A, provide information on matters submitted to a vote of stockholders, such as the election of directors, advisory resolutions on executive compensation, and the ratification of the independent registered public accounting firm. Additional filings discuss internal control considerations and expanded disclosures related to loan modifications for borrowers experiencing financial difficulty, which are important for understanding the company’s finance receivables and credit risk.
On this page, users can review America’s Car-Mart’s 10-K and 10-Q reports, 8-K current reports, and proxy statements, while AI-generated highlights point out key terms, covenants, and risk factors. The platform also surfaces insider-related information where disclosed in forms such as proxy statements or other filings. Real-time updates from EDGAR ensure that new CRMT filings appear promptly, and AI summaries help explain how each document relates to the company’s integrated auto sales and finance model, its funding arrangements, and its obligations to lenders and stockholders.
America’s Car‑Mart (CRMT) entered a Credit and Guarantee Agreement for a $300 million senior secured term loan led by Silver Point, maturing on October 30, 2030. The facility is secured by finance receivables, inventory, and equity interests of certain subsidiaries, and is guaranteed by each credit party. Interest is 7.50% for Term Benchmark Loans or 6.50% for Base Rate Loans, with monthly or quarterly payments per the selected interest period.
The company used a portion of the proceeds to fully repay $162.9 million outstanding under its $350 million asset‑backed revolver and terminated that agreement, incurring $1.8 million in prepayment penalties. As a closing requirement, the company must terminate its Atlas loan and security agreement on or prior to November 14, 2025.
In connection with the financing, CRMT issued warrants for up to 937,487 shares at an exercise price of $22.63, exercisable in cash or on a cashless basis, expiring October 30, 2031, with customary registration rights. The agreement includes financial maintenance covenants, limits on additional borrowing and certain operating activities, and restrictions on dividends.
America’s Car-Mart (CRMT) reported an initial Statement of Beneficial Ownership on Form 3 for a director with a date of event of 09/25/2025. The filing states that no securities are beneficially owned.
The form was filed by one reporting person and includes Exhibit 24.1 (Power of Attorney). It was signed by Courtney C. Crouch, III pursuant to a Power of Attorney.
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.
America’s Car-Mart, Inc. reported the results of its 2025 annual stockholder meeting held on September 25, 2025. The record date was July 31, 2025, when 8,545,223 shares of common stock were outstanding and entitled to vote.
Stockholders elected all nine director nominees, including Ann G. Bordelon, Jonathan Z. Buba, Douglas W. Campbell, Julia K. Davis, Daniel J. Englander, Brandi N. Joplin, Dawn C. Morris, Joshua G. Welch, and Jeffrey A. Williams, each receiving over six million votes in favor, with relatively few votes against or abstentions.
Investors also approved the advisory resolution on executive compensation, with 5,948,778 votes for, 45,365 votes against, and 359,302 abstentions. In addition, stockholders ratified the selection of Grant Thornton LLP as independent registered public accounting firm for the fiscal year ending April 30, 2026, with 7,450,867 votes for, 11,599 against, and 91,293 abstentions.
AMERICAS CARMART INC (CRMT) Form 4: The company's Chief Operating Officer, Jamie Fischer, was awarded 6,211 shares of restricted common stock and options to purchase 12,005 shares on September 17, 2025. The restricted shares vest in three equal annual installments beginning September 17, 2026. The stock options have an exercise price of $32.20, vest in five equal annual installments beginning September 17, 2026, and expire on September 17, 2035. Following the grants, Fischer beneficially owns 15,116 common shares and 12,005 options, all reported as direct ownership.
America's Car-Mart, Inc. reported interim results for the quarter ended July 31, 2025, continuing its integrated used-vehicle sales and in-house financing model across 154 dealerships. The company held approximately $9.7 million of cash and had about $20.8 million of additional capacity under a $350.0 million revolving credit facility.
Finance receivables principal totaled about $1.5 billion with an allowance for credit losses of $326.1 million (23.35%). Earned finance charges were $8.1 million versus $7.4 million at fiscal year-end. Accounts 30+ days past due were 3.8% (up from 3.4%). The company completed a $216.0 million securitization on May 29, 2025 (collateral $363.0 million, weighted coupon 6.27%) and completed another securitization on August 28, 2025 (collateral $291.5 million, weighted coupon 5.46%).
America's Car-Mart Inc. furnished an update on its recent performance by issuing a press release with operating results for the first quarter ended July 31, 2025. The company reported these quarterly results through a press release dated September 4, 2025, which is attached as Exhibit 99.1 to this report and incorporated by reference.
The information about these first-quarter results is being furnished under the securities laws rather than formally filed, which limits certain legal liabilities and means it is not automatically incorporated into other securities offerings. The filing also confirms that America's Car-Mart's common stock trades on the NASDAQ Global Select Market under the symbol CRMT.
America's Car Mart, Inc. filed an 8-K disclosing the entry into material agreements on August 28, 2025 related to a financing transaction. The filing lists a Purchase Agreement between Colonial Auto Finance, Inc. and ACM Funding, LLC, and a Sale and Servicing Agreement for ACM Auto Trust 2025-3 naming ACM Funding, LLC, America's Car Mart, Inc., Deutsche Bank National Trust Company (as Indenture Trustee, Calculation Agent and Paying Agent), and Systems & Services Technologies, Inc. (as Backup Servicer).
The filing also references Item 2.03, indicating the creation of a direct financial obligation or an off-balance-sheet arrangement, and includes a press release dated August 29, 2025. Exhibits listed include the agreements and the press release; no financial statements or numeric transaction terms are disclosed in the provided text.
America's Car-Mart, Inc. presents its 2025 proxy materials describing governance, director nominees, executive compensation and certain corporate policies. The board recommends nine director nominees, highlighting directors' public company, financial and automotive experience, and nominates Brandi N. Joplin as a new director candidate. Management reports fiscal 2025 results: revenue of approximately $1.4 billion (down 0.2% vs prior year), net income of $17.9 million versus a prior-year net loss of $31.4 million, a 1.7% retail unit volume decline, a 5.0% increase in interest and other income, and a 1.5% increase in average retail sales price. Provision for credit losses improved by 11.5%, attributed to underwriting and a new loan origination system. The proxy discloses executive pay programs including target bonuses, employment and change-in-control arrangements, a 2024 Equity Incentive Plan with a 500,000-share reserve, a CEO pay ratio of 29:1, and a clawback policy for incentive compensation.
Magnolia Capital Fund, LP, The Magnolia Group, LLC and Adam K. Peterson report beneficial ownership of 1,428,094 shares of Americas Car-Mart Inc. common stock, representing 17.3% of the class. The shares are held directly by Magnolia Capital Fund; The Magnolia Group is identified as the general partner and Mr. Peterson as the managing member.
The filing states each reporting person has sole voting and dispositive power over the 1,428,094 shares while The Magnolia Group and Mr. Peterson disclaim beneficial ownership. It also certifies the securities were acquired and are held in the ordinary course of business and were not acquired to change or influence control of the issuer.