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.
This page provides access to Regional Management Corp. (NYSE: RM) SEC filings, offering a detailed view of how the diversified consumer finance company reports its operations, funding, and governance. Regional Management specializes in secured, fixed-rate, fixed-term installment loans primarily for customers with limited access to traditional bank and credit card credit, and its filings explain how this business model is structured and financed.
Investors can review Form 10-K annual reports and Form 10-Q quarterly reports to see disclosures on net finance receivables, interest and fee income, insurance income, credit loss provisions, delinquency trends, and funding arrangements such as senior revolving credit facilities, warehouse credit agreements, and asset-backed securitizations. These filings also describe risk factors related to credit performance, regulation, liquidity, interest rates, technology, and competition.
Form 8-K current reports for RM document material events, including quarterly and annual earnings releases, completion of securitizations like the Regional Management Issuance Trust transactions, amendments to credit facilities, stock repurchase authorizations, dividend declarations, and executive leadership changes such as the appointment of a new President and Chief Executive Officer. Exhibits to these 8-Ks often include press releases, investor presentations, and key financing agreements.
Through this page, users can also locate proxy statements and executive compensation disclosures, as well as Form 4 insider transaction reports that show purchases, sales, or equity awards involving Regional Management’s officers and directors. Stock Titan enhances these filings with AI-powered summaries that highlight important sections, explain complex financing structures, and clarify how changes in credit facilities or securitizations may affect leverage and liquidity. Real-time updates from EDGAR ensure that new RM filings, from 10-Ks and 10-Qs to 8-Ks and Form 4s, are quickly available with concise AI explanations.
RM filed a Form 144 notice for the proposed sale of 21,262 common shares through Morgan Stanley Smith Barney LLC on 11/11/2025.
The filing lists an aggregate market value of 803,208.20 and shows the shares were acquired via restricted stock vesting on 12/31/2023 (11,319 shares) and 04/12/2024 (9,943 shares). Shares outstanding were 9,712,805; this is a baseline figure, not the amount being sold.
Regional Management Corp. (RM) filed a Form 144 notice for the proposed sale of 5,500 common shares, with an aggregate market value of $210,313.95. The filing lists Morgan Stanley Smith Barney LLC as broker and indicates an approximate sale date of 11/11/2025 on the NYSE.
The shares derive from 4,770 acquired via previously exercised options on 11/10/2025 and 730 from restricted stock vesting on 12/31/2023. Company shares outstanding are stated as 9,712,805. This is a notice of potential sale under Rule 144 by an affiliate or holder.
Regional Management Corp. (RM) reported stronger Q3 results. Total revenue rose to $165.5 million from $146.3 million a year ago, driven by higher interest and fee income. Net income increased to $14.4 million versus $7.7 million, and diluted EPS was $1.42, up from $0.76. Interest expense was $22.0 million, reflecting a larger balance sheet and higher funding costs.
Net finance receivables grew to $2.05 billion from $1.89 billion at year‑end, with large loans at $1.51 billion and small loans at $540.9 million. The allowance for credit losses was $212.0 million, or 10.3% of net finance receivables. Portfolio delinquency was 7.0% (large loans 5.7%; small loans 10.8%), and nonaccrual loans were 4.4% of receivables. Provision for credit losses was $60.5 million in the quarter.
Debt totaled $1.58 billion and stockholders’ equity was $371.9 million. Operating cash flow for the nine months was $229.0 million, supporting growth in receivables, technology investments, and securitization funding activity.
Regional Management Corp. (RM) announced a leadership transition and shareholder return actions. Robert W. Beck will resign as President and CEO on November 10, 2025, and the Board appointed Lakhbir S. Lamba as President and CEO, effective the same date. Mr. Beck will serve as Senior Advisor through June 30, 2026.
The company expanded capital returns: the Board increased its stock repurchase authorization by
Mr. Lamba’s offer includes a
Regional Management Corp. (RM) completed a private offering of $252.8 million asset-backed notes through Regional Management Issuance Trust 2025-2. The four fixed-rate classes priced at 4.59% (A), 5.00% (B), 5.36% (C), and 6.01% (D), with a weighted average coupon of 4.83%. The notes are backed by consumer loans with an aggregate principal balance of $277.8 million as of September 30, 2025, including personal loans from convenience check mailings.
The structure features a revolving period through October 31, 2027, an optional call beginning November 15, 2027, and final maturity on November 16, 2037. Proceeds were used to purchase the initial loan pool, fund a reserve account, and the Company applied a portion of loan-sale proceeds to repay amounts under its senior revolving credit facility and warehouse facilities. The notes received investment-grade ratings from DBRS and S&P and were sold under Rule 144A.
Separately, RM’s 2021-1 securitization was redeemed in full and terminated; the Company drew on its revolver to pay the release price, and certain collateral was transferred into 2025-2.
BlackRock Portfolio Management LLC filed an amended Schedule 13G/A (Amendment No. 2) on Regional Management Corp (RM), reporting beneficial ownership of 460,584 shares, representing 4.7% of the common stock as of September 30, 2025.
The filing lists 424,189 shares with sole voting power and 460,584 shares with sole dispositive power, with no shared voting or dispositive power. BlackRock certified the holdings were acquired and are held in the ordinary course of business and not to change or influence control. The reporting person is classified as HC and notes that various persons may receive dividends or sale proceeds, with no one person over five percent.
Regional Management Corp. furnished an investor presentation that its management will use in meetings with bankers, investors, and other parties beginning on October 7, 2025. The presentation is attached as Exhibit 99.1 and is also available on the company’s website at www.regionalmanagement.com.
The disclosure is provided under Regulation FD, meaning the company is sharing the same information with the market that it is using in private meetings. The company states that the material in this item and Exhibit 99.1 is being furnished, not filed, so it is not subject to certain Exchange Act liabilities and is not automatically incorporated into other securities law filings.
Manish Parmar, Executive Vice President and Chief Credit Risk Officer of Regional Management Corp. (RM), reported option exercises and subsequent share dispositions. On 08/29/2025 he exercised employee stock options resulting in the acquisition of 5,000 shares at an exercise price tied to $29.18 per share, increasing his direct beneficial ownership to 63,967 shares. As part of the same exercise, 3,736 shares were withheld by the issuer to cover exercise and tax-withholding obligations (a non-market "net exercise" reported at $43.84). On 09/02/2025 he sold 1,264 shares at $43.89, leaving 58,967 shares directly owned. The reporting attorney-in-fact signed the Form 4 on 09/03/2025.
Form 144 filing by an insider of Regional Management Corp (RM) reporting a proposed sale of 1,264 common shares through Morgan Stanley Smith Barney LLC on the NYSE. The filing states the shares were acquired and will be sold on 09/02/2025 following an exercise of options under a registered plan and that payment was made in cash. The aggregate market value of the proposed sale is reported as $55,470.64 and total shares outstanding are listed as 9,799,066. The filer reports no securities sold in the past three months and includes the required representation about material nonpublic information.
Regional Management Corp. entered into a new senior revolving credit facility of up to $355.0 million with a bank syndicate led by Bank of Montreal. The facility includes an accordion feature that can increase total capacity to $420.0 million, raises the maximum leverage covenant from 5.25x to 6.0x, and reduces the interest spread from 310 to 275 basis points over one-month SOFR, with a SOFR floor of 0.50%. It is secured by certain finance receivables and subsidiary equity and matures on August 19, 2028, replacing the company’s prior revolving credit agreement that was scheduled to mature on September 20, 2025.
The company also amended four warehouse credit agreements for its RMR IV, V, VI, and VII subsidiaries to align key definitions with the new senior revolver and, for RMR V, set a financial covenant limiting debt to tangible net worth to not greater than 6.00 to 1.0.