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.
America’s Car-Mart, Inc. filings document the regulatory record of a Nasdaq-listed used-car retailer and finance company. Disclosures cover operating results for its integrated auto sales and finance business, including vehicle sales, finance receivables, interest income, collections, credit performance, loss reserves and liquidity.
The company’s SEC filings also describe capital-structure matters, including senior secured credit facilities, guarantees, collateral arrangements and asset-backed securitizations backed by customer installment sale contracts. Proxy and shareholder-meeting filings cover director elections, executive compensation, governance votes and common stock matters, while registration statements address securities registered for delayed or continuous offerings.
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.
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.