Welcome to our dedicated page for Regional Mgmt SEC filings (Ticker: RM), 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.
Regional Management Corp. filings document the formal record for a consumer finance company operating as Regional Finance. Periodic and current reports describe installment-loan revenue, originations, net finance receivables, credit losses, delinquencies, provisions for credit losses and funding used to support the loan portfolio.
Form 8-K disclosures cover results of operations, dividend declarations, Regulation FD presentations and material agreements tied to the company’s capital and lending platform, including its Senior Revolving Credit Facility, RMR IV warehouse facility and program management agreement with Column N.A. Proxy materials document board matters, executive compensation, equity awards and shareholder voting items. The filings also address liquidity covenants, receivables financing, risk management and governance matters relevant to the company’s consumer lending model.
Basswood Capital Management reported a Form 144 relating to proposed sales of Common Stock, listing 430,117 shares to be sold. The filing identifies sale methods as open market and transfers from affiliates. The filing also lists recent completed sales by Basswood, including 11,870 shares on 11/25/2025 and 5,163 shares on 11/24/2025.
Regional Management Corp. furnished an investor presentation outlining its business model, growth plans, and recent credit trends. The company operates 353 branches across 19 states with total finance receivables of $2.1 billion as of December 31, 2025, serving non‑prime consumers through branch, digital, and direct mail channels.
The presentation highlights geographic and product expansion, including growth in auto‑secured and higher‑margin small loans, which helped drive 13.1% year‑over‑year portfolio growth. Customer metrics show a net promoter score of 58 and 84% of customers indicating they would apply again. Credit quality indicators improved, with lower delinquency and net credit loss rates and an allowance for credit losses of $174.4 million, equal to 145% of 30+ day delinquencies of $119.9 million.
Regional also describes a diversified funding platform, including bank facilities and an asset‑backed securities program that has completed 13 securitizations totaling $2.6 billion, with recent rating upgrades from S&P and DBRS. Governance, compliance, and risk‑management frameworks, along with increasing use of digital and AI tools and the fact that 83% of payments are made electronically, are emphasized as foundations for scalable growth.
Regional Management Corp. outlines its 2025 business, describing a diversified consumer finance platform focused on non-prime borrowers through large and small installment loans. As of December 31, 2025, it operated 353 branches in 19 states, serving 590,800 active accounts and managing $2.1 billion in finance receivables.
Revenue grew from $373.9 million in 2020 to $645.6 million in 2025, driven by organic portfolio growth. Large loans totaled $1.6 billion across 289,300 accounts, while small loans totaled $547.0 million across 301,500 accounts. Insurance income, net contributed $45.6 million, or 7.1% of total revenue.
The company emphasizes an omni-channel model, combining branches, direct mail, digital partners, and its website, with nearly 74% of 2025 originations branch-facilitated and about 84% of Q4 2025 payments made via debit card or ACH. It highlights investments in digital tools, underwriting models, collections, and a lighter branch footprint strategy to enhance efficiency.
Key risks include credit performance in a non-prime portfolio, reliance on convenience checks and insurance products, geographic concentration (notably Texas and North Carolina), macroeconomic pressures such as inflation and unemployment, and extensive regulatory oversight, though a two-year CFPB supervisory period ended in January 2026 without adverse findings.
Regional Management Corp. senior vice president and general counsel Catherine R. Atwood reported selling a total of 3,000 shares of common stock in open-market transactions. She sold 400 shares on February 13, 2026 at a weighted average price of about $35.04 per share and 2,600 shares on February 17, 2026 at about $35.02 per share. The sales were made under a Rule 10b5-1 trading plan adopted on November 14, 2025, and she held 43,942 shares directly after the most recent sale.
RM filed a notice of proposed sale under Rule 144 for 3,000 shares of common stock. The shares are planned to be sold on the NYSE around 02/13/2026 through Morgan Stanley Smith Barney LLC Executive Financial Services.
The filing cites an aggregate market value of $103,110.00 for the shares to be sold, compared with 9,712,805 shares outstanding. The seller originally acquired these 3,000 shares as restricted stock units from the issuer on 12/31/2021, with no additional cash consideration noted. The signer represents they are not aware of undisclosed material adverse information about RM.
A holder of RM common stock filed a Form 144 notice to sell 35,706 shares through Morgan Stanley Smith Barney LLC, with an aggregate market value of 1,213,646.94. The shares are listed as outstanding among 9,712,805 common shares, with an approximate sale date of 02/12/2026 on the NYSE.
The securities to be sold were acquired on 12/31/2025 as restricted stock awards and performance restricted stock units from the issuer. The filing also lists recent Rule 10b5-1 plan sales, including 8,112 common shares for 284,185.26 on 02/11/2026, 1,500 shares for 52,503.00 on 02/10/2026, and 14,106 shares for 497,696.36 on 02/09/2026.
RM insider Robert W. Beck, together with Nadene R. Beck, has filed a Rule 144 notice to sell 8,112 shares of RM common stock through Morgan Stanley Smith Barney, with an aggregate market value of $281,810.88, on or about 02/11/2026 on the NYSE.
The shares to be sold were acquired on 12/31/2024 as restricted stock awards and performance restricted stock units from the issuer. The notice also reports prior Rule 10b5-1 sales in the last three months: 1,500 shares on 02/10/2026 for $52,503.00 and 14,106 shares on 02/09/2026 for $497,696.36. RM common shares outstanding were 9,712,805 at the time referenced, which serves as a baseline for the issuer’s equity.
An RM shareholder filed a notice of proposed sale under Rule 144 to dispose of 1,500 common shares through Morgan Stanley Smith Barney LLC on 02/10/2026, with an aggregate market value of $52,110.00. The filing notes that 9,712,805 common shares were outstanding at the time. These 1,500 shares were acquired as restricted stock awards on 12/31/2024. The shareholder also reported prior Rule 144-related sales of 14,106 common shares on 02/09/2026 for $497,696.36 and 21,262 common shares on 11/11/2025 for $803,208.20, reflecting ongoing use of a trading plan.
An insider has filed a Form 144 to potentially sell 14,106 shares of common stock through broker Morgan Stanley Smith Barney LLC. The shares have an aggregate market value of $501,468.30, based on the price at the time of the notice. The stock is listed on the NYSE, with 9,712,805 shares outstanding, and the approximate sale date indicated is February 9, 2026.
The shares to be sold were acquired as restricted stock awards from the issuer on December 31, 2024, in the same amount of 14,106 shares. The form also notes that, in the past three months, ROBERT W. BECK & NADENE R BECK sold 21,262 common shares on November 11, 2025 for gross proceeds of $803,208.20. The signer represents they are not aware of undisclosed material adverse information about the issuer.
Regional Management Corp. reported that it has released its financial results for the three and twelve months ended December 31, 2025 through a press release and an investor presentation. Both documents are furnished as exhibits and accompany a conference call held on February 4, 2026.
The company also announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share of common stock. The dividend is payable on March 12, 2026 to stockholders of record at the close of business on February 19, 2026.