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, 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
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
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.
America's Car-Mart Inc. reported that it has regained compliance with The Nasdaq Stock Market's periodic filing requirements. On August 13, 2025, the company received formal notice from Nasdaq confirming compliance with Listing Rule 5250(c)(1), which requires timely filing of all required periodic financial reports with the SEC. The company also issued a press release on August 14, 2025, noting that Nasdaq now considers the matter closed, removing a potential overhang related to its listing status.
America's Car Mart Chief Accounting Officer Vickie D. Judy reported a disposition of shares on June 24, 2025. The insider executed a Form 4 filing disclosing the following transaction:
- Disposed of 318 shares of Common Stock at $55.50 per share through a tax withholding transaction (Code F)
- Following the transaction, the insider holds 32,217.9212 shares directly
- This includes 2,562.9212 shares held under the company's Employee Stock Purchase Plan
The transaction appears to be a routine withholding of shares for tax purposes rather than an open market sale. The filing was signed by Courtney C. Crouch, III, via Power of Attorney on June 26, 2025.
Jonathan M. Collins, Chief Financial Officer of America's Car Mart, reported a purchase of 102 shares of Common Stock on June 17, 2025, at a price of $49.30 per share. Following this transaction, Collins now directly owns 6,247 shares of the company.
Key transaction details:
- Transaction Type: Open market purchase (Code P)
- Total Transaction Value: $5,028.60
- Ownership Type: Direct
- Filing Date: June 28, 2025
This insider purchase by a key executive officer may signal confidence in the company's future prospects. The Form 4 was filed within the required reporting timeframe and was signed by Courtney C. Crouch, III, under power of attorney.