RM Regional Management Corp.

bullish track record → $36.76 +0.48 (+1.3%)
Mkt Cap $334M P/E 7.4 fwd 4.9 52wk $26.06 - $46.00 87d ago
Insider selling: $141,180 sold by 14 insiders (30d)
Est. revisions: -36.2%
Backed by structured data (insider trades, analyst ratings, or filings)
Factor Model (net -3.7)

Factor Model

net -3.7 7.1 / 10
Est. Revisions
-1.0
Insider Activity
+0.0
Momentum
-0.4
Analyst Rev.
-1.0
Narrative Gap
-0.5

Net income up 33% as auto-secured book surges

Watch: Whether origination momentum holds into Q1 2026 and if credit quality stays stable as the auto book scales. Any management commentary on delinquency trends in the expanded portfolio will be critical.

Regional Management Corp. posted Q4 2025 net income of $12.9 million, up 33% year-over-year, on revenue of $170 million. The lender's net finance receivables climbed 13% to $2.1 billion, fueled by a 42% expansion in its auto-secured portfolio. Record originations hit $537 million for the quarter.

The auto-secured pivot is working: that segment grew more than three times the overall receivables pace, signaling both demand and a strategic shift toward collateralized lending. Earnings momentum is now tracking double-digit receivables growth.

Evidence

10d ago Citizens up RM: Market Perform → Market Outperform
48d ago Insider buy by CAMPOS ROEL C (RM): $30,563
48d ago Insider buy by FORAGER FUND, L.P. (RM): $924,841
48d ago Insider buy by FORAGER FUND, L.P. (RM): $355,746
48d ago Insider buy by FORAGER FUND, L.P. (RM): $667,005
48d ago Insider buy by BASSWOOD CAPITAL MANAGEMENT, L.L.C. (RM): $2,194,348
48d ago Insider buy by BASSWOOD CAPITAL MANAGEMENT, L.L.C. (RM): $91,081
48d ago Insider buy by BASSWOOD CAPITAL MANAGEMENT, L.L.C. (RM): $35,148
2 older signals
83d ago Regional Management (RM) Partners With Column N.A. to Accelerate Growth
89d ago Regional Management (RM) Achieves Record Revenue and 33% Net Income Growth
Fundamentals & Data ▾
Regional Management Corp. Financial Services · Credit Services
Mkt Cap
$334M
P/E
7.4 fwd 4.9
Beta
1.03
Div Yield
328.00%
52w Range
$26.06 - $46.00
Short Interest
332,298 4.51%
Days to Cover
5.5 -2%
Technicals mixed
vs 20d MA
+5.0%
from 52w Hi
-8.1%
Vol (20d)
40%
1w return
+3.3%
1m return
-4.6%
Vol ratio
0.9x
Insiders
selling 0B / 5S
Analysts
bullish 1 up / 0 down
EPS Estimate
$0.79 -36.2% 30d 0up / 4dn
Est. Dispersion
16% 4 analysts
Analyst Target
$48 $45 - $50
Options P/C
0.08
Insider Cluster
strong sell 0B / 3S
Fund Convergence
strong D.E. Shaw, Renaissance, Two Sigma
Financials
Revenue
$144M +8% YoY
FCF
$77M
Momentum: decelerating
Top Holders
D.E. Shaw $8M
Renaissance $7M
Two Sigma
Recent Filings & Data
insider trade 16
net selling · $141,180 sold
14 insiders · 16 transactions (30d)
Recent transactions
BASSWOOD CAPITAL MANAGEMENT, L.L.C. · award
RANA HARPREET · award
LAMBA LAKHBIR S. · award
FISHER BRIAN JOSEPH · award
PARMAR MANISH · award
ATWOOD CATHERINE R · award
ATWOOD CATHERINE R · sell · $105,180
JOHNSON SANDRA K · sell · $36,000
PALOMARES CARLOS · award
CAMPOS ROEL C · award
CONTRERAS-SWEET MARIA · award
BROWN JONATHAN DAVID · award
JOHNSON SANDRA K · award
BOOTH JULIE · award
DUNN MICHAEL R · award
FREIBERG STEVEN J · award
analyst rating 1
Citizens up → Market Outperform 10d ago
10 signals · latest 10d ago

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