RM
Regional Management Corp.
NYSEUSDEQUITY
Financial Services
DELAYED
Last price
34.11
▲ 0.78 (2.34%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
Lower pane
Tool
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
33.58
Prev close
33.33
Day high
34.39
Day low
33.50
Volume
130.25K
Market cap
$314.69M
P/E (TTM)
7.18
52W range
30.46 – 46.00
Day trading desk
Gap from prior close
+0.75%
Prior close 33.33
VWAP
34.05
+0.19% from price
Relative volume
1.49×
Normal
Session range
2.66%
33.50 – 34.39
Position in range
69%
Mid range
ATR (14D)
1.18
3.46% of price
Prior day high
33.64
PDH
Prior day low
32.57
PDL
Bid / ask spread
—
Quote not published
Session volume
125.00K
Avg 84.10K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+1.82%
+3.2%
1M
-17.03%
-20.8%
3M
-4.13%
-7.2%
6M
-1.42%
-12.5%
YTD
-11.97%
-24.3%
1Y
-9.33%
-29.3%
3Y
+24.31%
-49.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on RM open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+65.96K
Net buying
Buy transactions
24
185.69K shares
Sell transactions
12
119.73K shares
Net transactions
+36
Buys less sells
Sell : buy shares
0.6 : 1
Mixed
Insider-held shares
932.27K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Aug 12, 26 | LAMBA LAKHBIR S. Chief Executive Officer |
BUY | 10.00K | $316.50K | Direct |
| Aug 3, 26 | BARNETTE STEVEN BROOKS Officer |
STOCK | 4.39K | $0 | Direct |
| Jul 10, 26 | BARNETTE STEVEN BROOKS Officer |
SELL | 3.27K | $141.76K | Direct |
| Jul 2, 26 | PARMAR MANISH Officer |
STOCK | 10.70K | $0 | Direct |
| Jul 2, 26 | ATWOOD CATHERINE R General Counsel |
STOCK | 8.32K | $0 | Direct |
| Jul 2, 26 | RANA HARPREET Chief Financial Officer |
STOCK | 17.47K | $0 | Direct |
| Jul 2, 26 | FISHER BRIAN JOSEPH Officer |
STOCK | 13.25K | $0 | Direct |
| Jul 1, 26 | BARNETTE STEVEN BROOKS Officer |
SELL | 1.60K | $67.26K | Direct |
| Jun 1, 26 | JOHNSON SANDRA K Director |
STOCK | 1.36K | $0 | Direct |
| May 26, 26 | JOHNSON SANDRA K Director |
SELL | 1.00K | $36.00K | Direct |
| May 21, 26 | CONTRERAS-SWEET MARIA Director |
STOCK | 3.83K | $0 | Direct |
| May 21, 26 | BROWN JONATHAN DAVID Director |
STOCK | 3.34K | $0 | Direct |
| May 21, 26 | JOHNSON SANDRA K Director |
STOCK | 3.58K | $0 | Direct |
| May 21, 26 | BOOTH JULIE Director |
STOCK | 3.83K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
BASSWOOD CAPITAL MANAGEMENT, L.L.C. |
Beneficial Owner of more than 10% of a Class of Security | — | Stock Award(Grant) |
BECK ROBERT WILLIAM |
Chief Executive Officer | 79.67K | Sale |
CAMPOS ROEL C |
Director | 117.78K | Stock Award(Grant) |
DUNN MICHAEL R |
Director | 106.69K | Stock Award(Grant) |
FORAGER FUND, L.P. |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
FREIBERG STEVEN J |
Director | 194.50K | Stock Award(Grant) |
LAMBA LAKHBIR S. |
Chief Executive Officer | 55.73K | Purchase |
PALOMARES CARLOS |
Director | 74.20K | Stock Award(Grant) |
PARMAR MANISH |
Officer | 71.85K | Stock Award(Grant) |
RANA HARPREET |
Chief Financial Officer | 63.63K | Stock Award(Grant) |
Fundamentals
Market cap$314.69M
Enterprise value$2.03B
Revenue (TTM)$647.84M
Gross profit$387.11M
EBITDA$169.45M
Net income$46.82M
EPS (TTM)$4.75
Free cash flow$-136.66M
Total cash$6.80M
Total debt$1.72B
Book value / share$40.51
Shares outstanding9.23M
Float6.49M
Short % of float5.48%
Dividend yield3.52%
Beta (5Y)0.99
Valuation & profitability ratios
Trailing P/E7.18
Forward P/E5.85
PEG ratio0.90
Price / sales—
Price / book0.84
EV / revenue3.13
EV / EBITDA11.95
Gross margin59.75%
Operating margin20.81%
Profit margin7.23%
Return on equity12.63%
Return on assets4.61%
Debt / equity453.99
Current ratio64.04
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $560.78M | $513.97M | $483.94M | $472.96M | +9.1% |
| Operating revenue | $560.78M | $513.97M | $483.94M | $472.96M | +9.1% |
| Selling, general & admin | $229.37M | $221.88M | $218.09M | $198.72M | +3.4% |
| Pre-tax income | $57.78M | $54.08M | $20.78M | $65.32M | +6.8% |
| Tax provision | $13.37M | $12.85M | $4.83M | $14.10M | +4.0% |
| Net income | $44.41M | $41.23M | $15.96M | $51.22M | +7.7% |
| Net income to common | $44.41M | $41.23M | $15.96M | $51.22M | +7.7% |
| Basic EPS | 4.71 | 4.28 | 1.70 | 5.51 | +10.0% |
| Diluted EPS | 4.45 | 4.14 | 1.66 | 5.30 | +7.5% |
| Basic shares | 9.43M | 9.64M | 9.40M | 9.30M | -2.2% |
| Diluted shares | 9.98M | 9.96M | 9.59M | 9.66M | +0.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $3.82M | $3.95M | $4.51M | $3.87M | -3.2% |
| Property, plant & equipment | $56.98M | $52.12M | $48.09M | $49.05M | +9.3% |
| Goodwill & intangibles | $31.78M | $24.52M | $15.85M | $12.12M | +29.6% |
| Total assets | $2.10B | $1.91B | $1.79B | $1.72B | +10.2% |
| Current debt | $268.44M | $315.47M | $244.94M | $164.72M | -14.9% |
| Long-term debt | $1.37B | $1.16B | $1.15B | $1.18B | +18.8% |
| Total debt | $1.69B | $1.51B | $1.43B | $1.38B | +11.6% |
| Total liabilities | $1.73B | $1.55B | $1.47B | $1.42B | +11.5% |
| Retained earnings | $410.72M | $378.48M | $349.58M | $345.55M | +8.5% |
| Shareholder equity | $373.09M | $357.08M | $322.27M | $308.63M | +4.5% |
| Net tangible assets | $341.31M | $332.55M | $306.43M | $296.51M | +2.6% |
| Shares issued | 15.17M | 14.92M | 14.57M | 14.33M | +1.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $44.41M | $41.23M | $15.96M | $51.22M | +7.7% |
| Depreciation & amortisation | $16.25M | $14.07M | $14.63M | $12.69M | +15.5% |
| Stock-based compensation | $11.87M | $11.17M | $11.76M | $10.77M | +6.2% |
| Change in working capital | -$6.15M | $1.21M | $450.00K | -$24.53M | -609.4% |
| Operating cash flow | $309.07M | $268.93M | $249.17M | $224.33M | +14.9% |
| Capital expenditure | -$17.08M | -$17.39M | -$12.07M | -$11.41M | +1.8% |
| Investing cash flow | -$471.18M | -$315.37M | -$278.72M | -$447.29M | -49.4% |
| Share buybacks | -$23.98M | -$3.54M | $0 | -$20.61M | -577.5% |
| Dividends paid | -$11.48M | -$12.14M | -$11.89M | -$11.35M | +5.4% |
| Financing cash flow | $124.47M | $53.41M | $26.43M | $205.57M | +133.1% |
| Free cash flow | $291.99M | $251.53M | $237.10M | $212.92M | +16.1% |
| End cash position | $98.00M | $135.63M | $128.67M | $131.80M | -27.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $145.01M | $144.37M | $147.06M | $143.52M | $137.02M | +0.4% |
| Operating revenue | $145.01M | $144.37M | $147.06M | $143.52M | $137.02M | +0.4% |
| Selling, general & admin | $58.19M | $57.19M | $57.29M | $56.91M | $56.03M | +1.8% |
| Pre-tax income | $10.56M | $14.84M | $16.16M | $18.97M | $13.48M | -28.8% |
| Tax provision | $2.41M | $3.43M | $3.25M | $4.62M | $3.34M | -29.8% |
| Net income | $8.15M | $11.40M | $12.91M | $14.36M | $10.14M | -28.5% |
| Net income to common | $8.15M | $11.40M | $12.91M | $14.36M | $10.14M | -28.5% |
| Basic EPS | 0.91 | 1.24 | 1.40 | 1.53 | 1.07 | -26.6% |
| Diluted EPS | 0.85 | 1.18 | 1.30 | 1.42 | 1.03 | -28.0% |
| Basic shares | 8.99M | 9.16M | 9.23M | 9.37M | 9.50M | -1.9% |
| Diluted shares | 9.60M | 9.66M | 9.94M | 10.13M | 9.84M | -0.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $6.80M | $4.86M | $3.82M | $4.08M | $4.27M | +39.9% |
| Property, plant & equipment | $58.13M | $57.15M | $56.98M | $53.78M | $55.99M | +1.7% |
| Goodwill & intangibles | $34.63M | $33.17M | $31.78M | $30.39M | $28.81M | +4.4% |
| Total assets | $2.13B | $2.07B | $2.10B | $2.03B | $1.97B | +2.7% |
| Current debt | $338.76M | $264.52M | $268.44M | $380.49M | $247.73M | +28.1% |
| Long-term debt | $1.33B | $1.35B | $1.37B | $1.19B | $1.25B | -1.4% |
| Total debt | $1.72B | $1.66B | $1.69B | $1.62B | $1.55B | +3.4% |
| Total liabilities | $1.75B | $1.70B | $1.73B | $1.66B | $1.60B | +3.2% |
| Retained earnings | $424.47M | $419.20M | $410.72M | $400.84M | $389.56M | +1.3% |
| Shareholder equity | $378.33M | $375.85M | $373.09M | $371.92M | $362.95M | +0.7% |
| Net tangible assets | $343.70M | $342.68M | $341.31M | $341.53M | $334.14M | +0.3% |
| Shares issued | 9.34M | 15.16M | 15.17M | 15.22M | 15.22M | -38.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $8.15M | $11.40M | $12.91M | $14.36M | $10.14M | -28.5% |
| Depreciation & amortisation | $4.87M | $4.77M | $4.52M | $4.22M | $3.90M | +2.1% |
| Stock-based compensation | $2.39M | $1.90M | $2.81M | $2.76M | $2.80M | +26.0% |
| Change in working capital | $224.00K | $733.00K | -$6.92M | $963.00K | $4.21M | -69.4% |
| Operating cash flow | $80.75M | $81.01M | $80.06M | $86.68M | $78.66M | -0.3% |
| Capital expenditure | -$4.82M | -$4.25M | -$4.44M | -$4.05M | -$4.11M | -13.2% |
| Investing cash flow | -$110.30M | -$34.82M | -$143.17M | -$162.64M | -$105.11M | -216.8% |
| Share buybacks | -$5.15M | -$7.51M | -$7.51M | -$5.00M | -$5.00M | +31.4% |
| Dividends paid | -$2.72M | -$3.42M | -$2.72M | -$2.77M | -$2.84M | +20.4% |
| Financing cash flow | $44.90M | -$40.96M | $52.56M | $62.56M | $21.91M | +209.6% |
| Free cash flow | $75.94M | $76.75M | $75.63M | $82.63M | $74.55M | -1.1% |
| End cash position | $118.58M | $103.22M | $98.00M | $108.54M | $121.93M | +14.9% |
Options analytics
Put / call volume
0.23
Call-heavy session
Put / call open interest
1.00
Positioning, not flow
Max pain
30.00
-12.0% from spot
ATM implied vol
68.7%
Nearest strike to spot
Skew (10% OTM)
-66.0%
Calls bid over puts
Call volume
30
Contracts, this expiry
Put volume
7
Contracts, this expiry
Heaviest call OI
30.00
29 contracts
Heaviest put OI
25.00
35 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.81 | 0.85 | +5.3% |
| Mar 2026 | 0.98 | 1.18 | +21.0% |
| Dec 2025 | 1.29 | 1.30 | +1.2% |
| Sep 2025 | 1.43 | 1.42 | -0.8% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.46 | 3 | $175.53M | +6.1% |
| Next quarter | 1.46 | 3 | $181.21M | +6.8% |
| Current year | 4.95 | 3 | $689.69M | +6.8% |
| Next year | 5.83 | 3 | $733.62M | +6.4% |
Analyst targets & ownership
Mean target$43.83
High target$50.00
Low target$38.50
Implied upside28.51%
Analyst count3
ConsensusBUY
Strong buy / Buy1 / 2
Hold1
Sell / Strong sell0 / 0
Held by insiders10.11%
Held by institutions90.20%
Institutions holding184
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
33.01
+3.33% from price
SMA 20
34.42
-0.90% from price
SMA 50
38.10
-10.47% from price
SMA 100
37.11
-8.09% from price
SMA 200
36.66
-6.97% from price
EMA 12
33.82
+0.85% from price
EMA 26
35.33
-3.46% from price
EMA 50
36.49
-6.52% from price
RSI (14)
43.8
Neutral
MACD (12,26,9)
-1.51
Hist 0.23
ATR (14)
1.18
3.46% of price
Realised vol 30D
85.7%
Annualised
Bollinger upper
41.22
20, 2σ
Bollinger lower
27.61
20, 2σ
50 / 200 cross
Golden
38.10 vs 36.66
Trend bias
Below 200
-6.97%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.98
Less volatile than market
Correlation to SPY
0.27
Largely independent
Realised vol 30D
85.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-32.2%
Peak to trough
Max drawdown 5Y
-67.3%
Peak to trough
ATR 14
1.18
3.46% of price
Beta (reported)
0.99
5Y monthly, from filing
Short interest
Shares short
404.00K
Prior 412.27K
Change vs prior
-2.0%
Shorts covering
% of float
5.48%
Normal
% of shares out
4.38%
Against total outstanding
Days to cover
4.8
Liquid
Float
6.49M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 30, 26 | Citizens | MAINTAINED | Market Outperform | Market Outperform |
| May 21, 26 | Citizens | UPGRADE | Market Perform | Market Outperform |
| May 2, 25 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Nov 13, 24 | Stephens & Co. | INITIATED | — | Equal-Weight |
| Aug 1, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jun 7, 24 | BTIG | INITIATED | — | Neutral |
| May 3, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Feb 8, 24 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| Nov 2, 23 | Stephens & Co. | MAINTAINED | Equal-Weight | Equal-Weight |
| May 4, 23 | Stephens & Co. | MAINTAINED | — | Equal-Weight |
| Apr 11, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Feb 10, 23 | BMO Capital | MAINTAINED | — | Market Perform |
Dividends & splits
Forward rate$1.20 / yr
Forward yield3.52%
5-year avg yield3.48%
Payout ratio25.26%
Ex-dividend dateAug 19, 2026
Next pay dateSep 16, 2026
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-07-31
Corporate Changes & Voting Matters
8-K · 2026-07-29
Corporate Changes & Voting Matters
8-K · 2026-05-19
Offering Registrations
S-8 · 2026-05-15
Corporate Changes & Voting Matters
8-K · 2026-05-04
Periodic Financial Reports
10-Q · 2026-05-01
Corporate Changes & Voting Matters
8-K · 2026-04-29
Annual Report to Shareholders
ARS · 2026-04-13
Headlines
Robert W. Beck Appointed to Encore Capital Group Board of Directors
GlobeNewswire · 4d ago
Regional Management Insider Bought Shares Worth $316,495, According to a Recent SEC Filing
MT Newswires · 10d ago
Regional Management (RM) Q2 2026 Earnings Call Transcript
Motley Fool · 15d ago
Chris Peterson joins Concora Credit as Chief Risk Officer
PR Newswire · 20d ago
Regional Management Corp. Q2 2026 Earnings Call Summary
Moby · 24d ago
Regional Management Q2 Earnings Call Highlights
MarketBeat · 24d ago
Regional Management Corp (RM) (Q2 2026) Earnings Call Highlights: Strategic Shifts and Revised ...
GuruFocus.com · 24d ago
Regional Management: Q2 Earnings Snapshot
Associated Press · 24d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.