RM
Regional Management Corp.
NYSEUSDEQUITY
Financial Services
DELAYED
Neutral
-11/100
Last price
32.80
▲ 0.03 (0.09%)
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
Overlay another symbol
Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
—
Prev close
32.77
Day high
33.21
Day low
32.57
Volume
74.11K
Market cap
$302.61M
P/E (TTM)
6.91
52W range
29.89 – 44.30
Trailing performance
Returnvs SPY
1W
+7.29%
+5.3%
1M
-2.61%
-3.8%
3M
-18.93%
-23.5%
6M
-5.04%
-23.2%
YTD
-15.35%
-29.6%
1Y
-15.75%
-32.2%
3Y
+18.50%
-63.8%
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
10 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
+62.96K
Net buying
Buy transactions
24
204.33K shares
Sell transactions
14
141.37K shares
Net transactions
+38
Buys less sells
Sell : buy shares
0.7 : 1
Mixed
Insider-held shares
932.08K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 17, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
SELL | 29.32K | $944.88K | Indirect |
| Sep 2, 26 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. Beneficial Owner of more than 10% of a Class of Security |
STOCK | 27.83K | $916.07K | Indirect |
| Sep 1, 26 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.16K | $36.68K | Indirect |
| Aug 24, 26 | ATWOOD CATHERINE R General Counsel |
SELL | 200 | $7.00K | Direct |
| 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 | 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 2, 26 | PARMAR MANISH Officer |
STOCK | 10.70K | $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 |
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$302.61M
Enterprise value$2.01B
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
Float6.53M
Short % of float5.09%
Dividend yield3.66%
Beta (5Y)1.01
Valuation & profitability ratios
Trailing P/E6.91
Forward P/E5.57
PEG ratio0.90
Price / sales—
Price / book0.81
EV / revenue3.11
EV / EBITDA11.88
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
0.20
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
25.00
-23.8% from spot
ATM implied vol
12.5%
Nearest strike to spot
Skew (10% OTM)
+37.5%
Puts bid over calls
Call volume
5
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
25.00
0 contracts
Heaviest put OI
25.00
0 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 | 1.50 | 2 | $175.53M | +6.1% |
| Next quarter | 1.40 | 2 | $181.21M | +6.8% |
| Current year | 4.93 | 2 | $689.69M | +6.8% |
| Next year | 5.89 | 2 | $733.62M | +6.4% |
Analyst targets & ownership
Mean target$43.83
High target$50.00
Low target$38.50
Implied upside33.64%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 2
Hold0
Sell / Strong sell0 / 0
Held by insiders10.10%
Held by institutions90.40%
Institutions holding184
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
31.15
+5.29% from price
SMA 20
31.68
+3.53% from price
SMA 50
32.86
-0.17% from price
SMA 100
35.78
-8.32% from price
SMA 200
35.78
-8.33% from price
EMA 12
31.65
+3.64% from price
EMA 26
32.08
+2.25% from price
EMA 50
33.23
-1.30% from price
RSI (14)
55.6
Neutral
MACD (12,26,9)
-0.43
Hist 0.30
ATR (14)
0.86
2.62% of price
Realised vol 30D
26.4%
Annualised
Bollinger upper
33.57
20, 2σ
Bollinger lower
29.80
20, 2σ
50 / 200 cross
Death
32.86 vs 35.78
Trend bias
Below 200
-8.33%
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
0.93
Less volatile than market
Correlation to SPY
0.26
Largely independent
Realised vol 30D
26.4%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-30.5%
Peak to trough
Max drawdown 5Y
-66.8%
Peak to trough
ATR 14
0.86
2.62% of price
Beta (reported)
1.01
5Y monthly, from filing
Short interest
Shares short
375.56K
Prior 383.17K
Change vs prior
-2.0%
Shorts covering
% of float
5.09%
Normal
% of shares out
4.07%
Against total outstanding
Days to cover
4.7
Liquid
Float
6.53M
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 yield3.66%
5-year avg yield3.31%
Payout ratio25.26%
Ex-dividend dateAug 19, 2026
Next pay dateSep 16, 2026
Last split—
Split date—
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-16
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
Headlines
Regional Management Corp. to Report Third Quarter 2026 Results on Wednesday, October 28, 2026
Business Wire · 6d ago
3 Consumer Finance Stocks Exposed to Inflation Stress in US Households
Simply Wall St. · 16d ago
Robert W. Beck Appointed to Encore Capital Group Board of Directors
GlobeNewswire · 49d ago
Regional Management Insider Bought Shares Worth $316,495, According to a Recent SEC Filing
MT Newswires · 55d ago
Regional Management (RM) Q2 2026 Earnings Call Transcript
Motley Fool · 60d ago
Chris Peterson joins Concora Credit as Chief Risk Officer
PR Newswire · 65d ago
Regional Management Corp. Q2 2026 Earnings Call Summary
Moby · 69d ago
Regional Management Q2 Earnings Call Highlights
MarketBeat · 69d 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.