RM on NYSE
Regional Management Corp.
In its 2026 annual report the company says: “We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support of centralized sales, underwriting, service, collections, and administrative teams.”5 It is headquartered in Columbia, United States.2 Its shares trade on NYSE under the symbol RM.2
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Last updated Oct 20, 2026.
Overview
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- TickerRM on NYSE2
- IndustryPersonal Credit Institutions2
- HeadquartersColumbia, United States2
- Incorporated inDE3
- Business address979 Batesville Road, Suite B, Greer, Sc 296513
- Filer categoryAccelerated filer3
- Legal formCorporation2
- LEI549300S5O87W87JW41462
- StatusActive2
- LEI statusLapsed (not renewed)2
- Registered addressCORPORATION TRUST CENTER 1209 ORANGE ST, 19801 Wilmington, United States2
- Registered withDivision of Corporations, Department of State, 50281992
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We are a diversified consumer finance company that provides installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders. As of December 31, 2025, we operated under the name “Regional Finance” online and in branch locations in 19 states across the United States, serving 590,800 active accounts. Most of our loan products are secured, and each is structured on a fixed-rate, fixed-term basis with fully amortizing equal monthly installment payments, repayable at any time without penalty. We source our loans through our omni-channel platform, which includes our branches, centrally-managed direct mail campaigns, digital partners, and consumer website. We operate an integrated branch model in which nearly all loans, regardless of origination channel, are serviced through our branch network with the support …5 From its latest annual report
Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
6.9%Net margin6
9.7%Revenue growth, 20256
11.9%Return on equity6
4.40×Debt to equity6
$304.3MFree cash flow6
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs91¢$587.8M
- Income tax2¢$13.4M
- Profit7¢$44.4M
Out of $645.6M in revenue.6
Where each dollar of operating cash went, fiscal 2025
- Capital spending2¢$4.8M
- Share buybacks8¢$24.0M
- Kept or used elsewhere91¢$280.3M
Out of $309.1M of cash from operations.6
Financial statements
Every line of the income statement as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fee income | $578.9M | $528.9M | $489.7M |
| Insurance income, net | $45.6M | $40.7M | $44.5M |
| Other income | $21.1M | $18.9M | $17.2M |
| Total revenue | $645.6M | $588.5M | $551.4M |
| Provision for credit losses | $245.4M | $212.2M | $220.0M |
| Personnel | $159.6M | $153.8M | $156.9M |
| Occupancy | $28.2M | $25.8M | $25.0M |
| Marketing | $18.6M | $19.0M | $15.8M |
| Other | $51.2M | $49.1M | $45.4M |
| Total general and administrative expenses | $257.6M | $247.7M | $243.1M |
| Interest expense | $84.8M | $74.5M | $67.5M |
| Income before income taxes | $57.8M | $54.1M | $20.8M |
| Income taxes | $13.4M | $12.8M | $4.8M |
| Net income | $44.4M | $41.2M | $16.0M |
| Basic | $4.71 | $4.28 | $1.70 |
| Diluted | $4.45 | $4.14 | $1.66 |
| Basic | 9.4M shares | 9.6M shares | 9.4M shares |
| Diluted | 10.0M shares | 10.0M shares | 9.6M shares |
| Unrealized income (loss) on restricted AFS investments | -$81.0K | $531.0K | $271.0K |
| Income taxes on unrealized items | $17.0K | -$112.0K | -$57.0K |
| Unrealized other comprehensive income (loss), net of tax | -$64.0K | $419.0K | $214.0K |
| Net realized loss on restricted AFS investments | $20.0K | ||
| Income taxes on realized items | -$5.0K | ||
| Reclassification adjustments included in net income, net of tax | $15.0K | ||
| Other comprehensive income (loss), net of tax | -$64.0K | $434.0K | $214.0K |
| Total comprehensive income | $44.3M | $41.7M | $16.2M |
No quarter-by-quarter statement was filed.
Every line of the balance sheet as filed: the last 4 fiscal years (annual) or 4 quarters (quarterly), latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash | $3.8M | $4.0M | $4.5M | |
| Net finance receivables | $2.1B | $1.9B | $1.8B | |
| Unearned insurance premiums | -$52.9M | -$48.1M | ||
| Allowance for credit losses | -$220.9M | -$199.5M | -$187.4M | -$178.8M |
| Net finance receivables, less unearned insurance premiums and allowance for credit losses | $1.9B | $1.6B | ||
| Restricted cash | $94.2M | $131.7M | $124.2M | |
| Lease assets | $43.8M | $38.4M | ||
| Intangible assets | $31.8M | $24.5M | ||
| Restricted AFS investments | $24.2M | $21.7M | ||
| Property and equipment | $13.2M | $13.7M | ||
| Deferred tax assets, net | $9.3M | |||
| Other assets | $26.6M | $20.9M | ||
| Total assets | $2.1B | $1.9B | ||
| Debt | $1.7B | $1.5B | ||
| Unamortized debt issuance costs | -$8.6M | -$6.3M | ||
| Net debt | $1.6B | $1.5B | ||
| Lease liabilities | $46.0M | $40.6M | ||
| Deferred tax liability, net | $3.3M | |||
| Accounts payable and accrued expenses | $39.4M | $39.5M | ||
| Total liabilities | $1.7B | $1.6B | ||
| Common stock ($0.10 par value, 1,000,000 shares authorized, 15,168 shares issued and 9,554 shares outstanding at December 31, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024) | $1.5M | $1.5M | ||
| Additional paid-in capital | $138.7M | $130.7M | ||
| Retained earnings | $410.7M | $378.5M | ||
| Accumulated other comprehensive income (loss) | -$2.0K | $62.0K | ||
| Treasury stock (5,614 shares at December 31, 2025 and 4,911 shares at December 31, 2024) | -$177.8M | -$153.7M | ||
| Total stockholders equity | $373.1M | $357.1M | $322.3M | $308.6M |
| Total liabilities and stockholders equity | $2.1B | $1.9B | ||
| Preferred stock, par value | $0.10 | $0.10 | ||
| Preferred stock, shares authorized | 100.0M shares | 100.0M shares | ||
| Preferred stock, shares issued | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding | 0 shares | 0 shares | ||
| Common stock, par value | $0.10 | $0.10 | ||
| Common stock, shares authorized | 1.0B shares | 1.0B shares | ||
| Common stock, shares issued | 15.2M shares | 14.9M shares | ||
| Common stock, shares outstanding | 9.6M shares | 10.0M shares | ||
| Treasury stock, shares | 5.6M shares | 4.9M shares |
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Cash | $3.8M | $4.0M | $4.5M | |
| Net finance receivables | $2.1B | $1.9B | $1.8B | |
| Unearned insurance premiums | -$52.9M | -$48.1M | ||
| Allowance for credit losses | -$220.9M | -$199.5M | -$187.4M | -$178.8M |
| Net finance receivables, less unearned insurance premiums and allowance for credit losses | $1.9B | $1.6B | ||
| Restricted cash | $94.2M | $131.7M | $124.2M | |
| Lease assets | $43.8M | $38.4M | ||
| Intangible assets | $31.8M | $24.5M | ||
| Restricted AFS investments | $24.2M | $21.7M | ||
| Property and equipment | $13.2M | $13.7M | ||
| Deferred tax assets, net | $9.3M | |||
| Other assets | $26.6M | $20.9M | ||
| Total assets | $2.1B | $1.9B | ||
| Debt | $1.7B | $1.5B | ||
| Unamortized debt issuance costs | -$8.6M | -$6.3M | ||
| Net debt | $1.6B | $1.5B | ||
| Lease liabilities | $46.0M | $40.6M | ||
| Deferred tax liability, net | $3.3M | |||
| Accounts payable and accrued expenses | $39.4M | $39.5M | ||
| Total liabilities | $1.7B | $1.6B | ||
| Common stock ($0.10 par value, 1,000,000 shares authorized, 15,168 shares issued and 9,554 shares outstanding at December 31, 2025 and 14,921 shares issued and 10,010 shares outstanding at December 31, 2024) | $1.5M | $1.5M | ||
| Additional paid-in capital | $138.7M | $130.7M | ||
| Retained earnings | $410.7M | $378.5M | ||
| Accumulated other comprehensive income (loss) | -$2.0K | $62.0K | ||
| Treasury stock (5,614 shares at December 31, 2025 and 4,911 shares at December 31, 2024) | -$177.8M | -$153.7M | ||
| Total stockholders equity | $373.1M | $357.1M | $322.3M | $308.6M |
| Total liabilities and stockholders equity | $2.1B | $1.9B | ||
| Preferred stock, par value | $0.10 | $0.10 | ||
| Preferred stock, shares authorized | 100.0M shares | 100.0M shares | ||
| Preferred stock, shares issued | 0 shares | 0 shares | ||
| Preferred stock, shares outstanding | 0 shares | 0 shares | ||
| Common stock, par value | $0.10 | $0.10 | ||
| Common stock, shares authorized | 1.0B shares | 1.0B shares | ||
| Common stock, shares issued | 15.2M shares | 14.9M shares | ||
| Common stock, shares outstanding | 9.6M shares | 10.0M shares | ||
| Treasury stock, shares | 5.6M shares | 4.9M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow as filed: the last 3 fiscal years, latest first.6
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $44.4M | $41.2M | $16.0M |
| Provision for credit losses | $245.4M | $212.2M | $220.0M |
| Depreciation and amortization | $16.2M | $14.1M | $14.6M |
| Amortization of deferred originations fees and costs | -$15.7M | -$15.6M | -$14.6M |
| Loss on disposal of intangibles, property, and equipment | $331.0K | $407.0K | $867.0K |
| Loss on sale of restricted AFS investments | $20.0K | ||
| Share-based compensation | $11.9M | $11.2M | $11.8M |
| Deferred income taxes, net | $12.6M | $4.2M | $112.0K |
| Increase (decrease) in unearned insurance premiums | $4.8M | $176.0K | -$3.1M |
| (Increase) decrease in lease assets | -$5.4M | -$4.1M | $218.0K |
| (Increase) decrease in other assets | -$10.1M | $2.6M | -$4.1M |
| Increase (decrease) in accounts payable and accrued expenses | -$887.0K | -$1.4M | $7.6M |
| Increase (decrease) in lease liabilities | $5.4M | $4.0M | -$136.0K |
| Net cash provided by operating activities | $309.1M | $268.9M | $249.2M |
| Originations of finance receivables | -$2.0B | -$1.7B | -$1.5B |
| Repayments of finance receivables | $1.5B | $1.4B | $1.3B |
| Purchases of intangible assets | -$12.3M | -$12.3M | -$7.4M |
| Purchases of property and equipment | -$4.8M | -$5.1M | -$4.7M |
| Purchases of restricted AFS investments | -$41.9M | -$25.4M | -$5.9M |
| Proceeds from sale of restricted AFS investments | $2.2M | ||
| Proceeds from maturities of restricted AFS investments | $39.8M | $24.7M | $4.1M |
| Net cash used in investing activities | -$471.2M | -$315.4M | -$278.7M |
| Advances on revolving credit facilities | $1.8B | $1.8B | $1.6B |
| Payments on revolving credit facilities | -$1.8B | -$1.7B | -$1.6B |
| Advances on securitizations | $517.8M | $437.3M | |
| Payments on securitizations | -$300.4M | -$429.4M | -$34.9M |
| Payments for debt issuance costs | -$8.0M | -$6.7M | -$2.8M |
| Taxes paid related to net share settlement of equity awards | -$4.2M | -$2.5M | -$2.9M |
| Cash dividends | -$11.5M | -$12.1M | -$11.9M |
| Repurchases of common stock | -$24.0M | -$3.5M | |
| Proceeds from exercise of stock options | $289.0K | ||
| Net cash provided by financing activities | $124.5M | $53.4M | $26.4M |
| Net change in cash and restricted cash | -$37.6M | $7.0M | -$3.1M |
| Interest paid | $78.4M | $69.2M | $60.1M |
| Income taxes paid | $6.1M | $2.7M | $3.0M |
| Operating leases paid | $13.0M | $11.5M | $10.2M |
| Non-cash lease assets obtained in exchange for operating lease liabilities | $15.5M | $13.2M | $8.1M |
No quarter-by-quarter statement was filed.
Corporate structure
Regional Management Corp. sits at the top of its group. 45 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.
Major holders of Regional Management Corp.
- BlackRock Filed SCHEDULE 13G/A on Regional Management Corp., latest Jul 29, 2026
- BlackRock Portfolio Management LLC Filed SCHEDULE 13G/A on Regional Management Corp., latest Oct 17, 2025 (3 filings since Apr 15, 2025)
- Forager Capital Management, LLC Filed SCHEDULE 13G/A on Regional Management Corp., latest Jun 11, 2025 (3 filings since Jan 10, 2023)
- WELLINGTON TRUST Co N A Filed SC 13G/A on Regional Management Corp., latest Nov 8, 2024 (4 filings since Feb 4, 2022)
- Wellington Management Company Filed SC 13G/A on Regional Management Corp., latest Nov 8, 2024 (4 filings since Feb 4, 2022)
- Forager Fund, L.P. Filed SC 13G/A on Regional Management Corp., latest May 7, 2024 (2 filings since Feb 14, 2024)
- DIMENSIONAL FUND ADVISORS LP Filed SC 13G/A on Regional Management Corp., latest Feb 9, 2024 (3 filings since Feb 8, 2022)
- BASSWOOD CAPITAL MANAGEMENT, L.L.C. Filed SC 13D/A on Regional Management Corp., latest Nov 29, 2022 (2 filings since Aug 16, 2022)
- Glen Capital Partners Focus Fund, L.P. Filed SC 13G/A on Regional Management Corp., latest Feb 1, 2022
- Regional Management Corp. Columbia, South Carolina, United States
- Credit Recovery Associates, Inc. Subsidiary · South Carolina, United States
- Regional Finance Company of Arizona, LLC Subsidiary · Delaware, United States
- Regional Finance Company of California, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Florida, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Georgia, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Idaho, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Illinois, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Indiana, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Kentucky, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Louisiana, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Mississippi, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Missouri, LLC Subsidiary · Delaware, United States
- Regional Finance Company of New Mexico, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Ohio, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Oklahoma, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Oregon, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Utah, LLC Subsidiary · Delaware, United States
- Regional Finance Company of Virginia, LLC Subsidiary · Delaware, United States
- Regional Finance Corporation of Alabama Subsidiary · Alabama, United States
- Regional Finance Corporation of North Carolina Subsidiary · North Carolina, United States
- Regional Finance Corporation of South Carolina Subsidiary · South Carolina, United States
- Regional Finance Corporation of Tennessee Subsidiary · Tennessee, United States
- Regional Finance Corporation of Texas Subsidiary · Texas, United States
- Regional Finance Corporation of Wisconsin Subsidiary · Wisconsin, United States
- Regional Management Issuance Trust 2021-2 Subsidiary · Delaware, United States
- and 19 more
Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.
What it owns
What Regional Management Corp. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.
Property and equipment
| Item | Latest | A year before | Change |
|---|---|---|---|
| Property and equipment, before depreciation | $47.8M6 Dec 31, 2025 | $46.3M6 Dec 31, 2024 | +3.1% |
| Accumulated depreciation | $34.6M6 Dec 31, 2025 | $32.6M6 Dec 31, 2024 | +6.0% |
| Property and equipment, net | $13.2M6 Dec 31, 2025 | $13.7M6 Dec 31, 2024 | −3.8% |
| Operating-lease assets (leased space) | $43.8M6 Dec 31, 2025 | $38.4M6 Dec 31, 2024 | +14.0% |
Intangibles and goodwill
| Item | Latest | A year before | Change |
|---|---|---|---|
| Finite-lived intangibles, gross | $57.6M6 Dec 31, 2025 | $44.8M6 Dec 31, 2024 | +28.6% |
| Accumulated amortization | $25.9M6 Dec 31, 2025 | $20.3M6 Dec 31, 2024 | +27.4% |
| Finite-lived intangibles, net | $31.8M6 Dec 31, 2025 | $24.5M6 Dec 31, 2024 | +29.6% |
Properties, in its own words
Our headquarters operations are located in an approximately 51,700 square foot leased facility in Greer, South Carolina, a town located outside of Greenville, South Carolina. As of February 17, 2026, each of our 354 branches, which are located in 19 states throughout the United States, is leased under a fixed-term lease agreement. Our branches have an average branch size of approximately 1,997 square feet.
In the opinion of management, our properties have been well-maintained, are in sound operating condition, and contain all equipment and facilities necessary to operate at present levels. We believe that all of our facilities are suitable and adequate for our present purposes. Our only reportable segment, which is our consumer finance segment, uses the properties described in this Part I, Item 2, “Properties.”
Item 2 of the 10-K filed Feb 20, 2026.5
Leadership
Who has led Regional Management Corp., and when. Pick a name to see everywhere that person has worked.
Chief executive
President
Chief financial officer
Chief operating officer
201520202025
- Chief executive officerLakhbir S. Lamba Nov 12, 2025 to now14
- Chief executive officerRobert William Beck Mar 30, 2020 to Nov 12, 202515
- Chief executive officerPeter R. Knitzer Aug 2, 2016 to Jan 3, 202016
- Chief executive officerThomas F. Fortin Mar 27, 2012 to Oct 3, 201417
- PresidentLakhbir S. Lamba Nov 12, 2025 to now14
- PresidentRobert William Beck Mar 30, 2020 to Nov 12, 202515
- PresidentPeter R. Knitzer Feb 9, 2018 to Jan 3, 202018
- PresidentJody L. Anderson Oct 3, 2014 to Mar 17, 201719
- PresidentC. Glynn Quattlebaum Mar 27, 2012 to Dec 12, 201320
- Chief financial officerMichael S. Dymski Mar 30, 2020 to Sep 25, 202021
- Chief financial officerHarpreet Rana Nov 24, 2020 to Jan 3, 202522
- Chief financial officerRobert William Beck Jul 24, 2019 to Jan 3, 202023
- Chief financial officerDonald E. Thomas Jan 4, 2013 to Mar 26, 201924
- Chief operating officerJohn D. Schachtel Jun 1, 2017 to Jan 3, 202425
- Chief operating officerJody L. Anderson Oct 3, 2014 to Mar 17, 201719
- Chief operating officerC. Glynn Quattlebaum Mar 27, 2012 to Dec 12, 201320
Board members and other officers (30)
- EVP, Chief Fin & Admin OfficerHarpreet Rana Jan 31, 2025 to now26
- EVP, Chief Strat/Dev OfficerBrian J. Fisher Jan 4, 2021 to now27
- VP, Corporate ControllerSteven B. Barnette Apr 12, 2021 to now28
- EVP, Chief Credit Risk OfficerManish Parmar Jan 8, 2020 to now29
- VP & Chief Accounting OfficerMichael S. Dymski May 6, 2016 to Apr 12, 202130
- SVP and Chief Risk OfficerDaniel J. Taggart Jan 7, 2015 to Jan 3, 202031
- OfficerMichelle Masters Mar 27, 2012 to Mar 13, 201532
- Board memberJulie Booth Mar 24, 2025 to now33
- Board memberLakhbir S. Lamba Nov 12, 2025 to now14
- Board memberPhilip Bancroft V. Jan 28, 2022 to May 30, 202334
- Board memberRobert William Beck Mar 30, 2020 to now15
- Board memberSandra K. Johnson Apr 30, 2020 to now35
- Board memberMaria Contreras-Sweet Feb 5, 2018 to now36
- Board memberBennett D. Lindenbaum Feb 6, 2018 to now37
- Board memberMatthew A. Lindenbaum Feb 6, 2018 to now37
- Board memberPeter R. Knitzer Jul 30, 2015 to Jan 3, 202038
- Board memberSteven J. Freiberg Jul 14, 2014 to now39
- Board memberC. Glynn Quattlebaum Oct 3, 2014 to Nov 12, 201440
- Board memberAlvaro G. Demolina Mar 27, 2012 to Feb 23, 202141
- Board memberCarlos Palomares Mar 27, 2012 to now42
- Board memberErik A. Scott Mar 27, 2012 to Dec 12, 201343
- Board memberFrank Barron Fletcher Iii. Mar 27, 2012 to Dec 12, 201344
- Board memberJared L. Johnson Mar 27, 2012 to Dec 12, 201345
- Board memberMarcos A. Rodriguez Mar 27, 2012 to Nov 19, 201346
- Board memberRichard A. Godley Mar 27, 2012 to May 5, 201747
- Board memberRichard T. Dell'Aquila Mar 27, 2012 to Dec 12, 201348
- Board memberRoel C. Campos Mar 27, 2012 to now49
- Board memberThomas F. Fortin Mar 27, 2012 to Oct 3, 201417
- General counselCatherine R. Atwood Oct 9, 2020 to now50
- General counselBrian J. Fisher Jan 23, 2013 to May 14, 202051
Subsidiaries and ownership
Subsidiaries (Exhibit 21)
- Credit Recovery Associates, Inc. South Carolina4
- RMC Financial Services of Florida, LLC Delaware4
- RMC Reinsurance, LTD Turks and Caicos Islands4
- Regional Finance Company of Arizona, LLC Delaware4
- Regional Finance Company of California, LLC Delaware4
- Regional Finance Company of Florida, LLC Delaware4
- Regional Finance Company of Georgia, LLC Delaware4
- Regional Finance Company of Idaho, LLC Delaware4
- Regional Finance Company of Illinois, LLC Delaware4
- Regional Finance Company of Indiana, LLC Delaware4
- Regional Finance Company of Kentucky, LLC Delaware4
- Regional Finance Company of Louisiana, LLC Delaware4
- Regional Finance Company of Mississippi, LLC Delaware4
- Regional Finance Company of Missouri, LLC Delaware4
- Regional Finance Company of New Mexico, LLC Delaware4
- Regional Finance Company of Ohio, LLC Delaware4
- Regional Finance Company of Oklahoma, LLC Delaware4
- Regional Finance Company of Oregon, LLC Delaware4
- Regional Finance Company of Utah, LLC Delaware4
- Regional Finance Company of Virginia, LLC Delaware4
- Regional Finance Corporation of Alabama Alabama4
- Regional Finance Corporation of Georgia Georgia4
- Regional Finance Corporation of North Carolina North Carolina4
- Regional Finance Corporation of South Carolina South Carolina4
All 45 listed subsidiaries
- Regional Finance Corporation of Tennessee Tennessee4
- Regional Finance Corporation of Texas Texas4
- Regional Finance Corporation of Wisconsin Wisconsin4
- Regional Management Issuance Trust 2021-2 Delaware4
- Regional Management Issuance Trust 2021-3 Delaware4
- Regional Management Issuance Trust 2022-1 Delaware4
- Regional Management Issuance Trust 2024-1 Delaware4
- Regional Management Issuance Trust 2024-2 Delaware4
- Regional Management Issuance Trust 2025-1 Delaware4
- Regional Management Issuance Trust 2025-2 Delaware4
- Regional Management Issuance Trust 2026-1 Delaware4
- Regional Management Issuance Trust 2026-2 Delaware4
- Regional Management North Carolina Receivables Trust Delaware4
- Regional Management Receivables III, LLC Delaware4
- Regional Management Receivables IV, LLC Delaware4
- Regional Management Receivables IX, LLC Delaware4
- Regional Management Receivables V, LLC Delaware4
- Regional Management Receivables VI, LLC Delaware4
- Regional Management Receivables VII, LLC Delaware4
- Regional Management Receivables VIII, LLC Delaware4
- Upstate Motor Company South Carolina4
The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.
Timeline
- Sep 16, 20268-K Regulation FD disclosure52
- Jul 29, 20268-K Results of operations; Other events53
- May 19, 20268-K Executive or director change; Shareholder vote54
- May 4, 20268-K Entered a material agreement55
- Apr 29, 20268-K Results of operations; Other events56
- Mar 5, 20268-K Entered a material agreement57
- Feb 20, 20268-K Regulation FD disclosure58
- Feb 4, 20268-K Results of operations; Other events59
- Nov 17, 20258-K Regulation FD disclosure60
- Nov 12, 2025New chief executive Lakhbir S. Lamba becomes CEO14
- Nov 5, 20258-K Results of operations; Executive or director change; Other events61
- Oct 29, 20258-K Entered a material agreement; New debt or obligation; Regulation FD disclosure62
- Oct 7, 20258-K Regulation FD disclosure63
- Mar 30, 2020New chief executive Robert William Beck becomes CEO15
- Aug 2, 2016New chief executive Peter R. Knitzer becomes CEO16
- Mar 27, 2012New chief executive Thomas F. Fortin becomes CEO17
- Aug 22, 2011Founded Regional Management Corp. is founded2
Calendar
Coming up
- Oct 28, 2026 · After the closeReports results for the quarter ending Sep/202664
When it reported results
- Jul 29, 2026Reported quarterly or annual results53
- Apr 29, 2026Reported quarterly or annual results56
- Feb 4, 2026Reported quarterly or annual results59
- Nov 5, 2025Reported quarterly or annual results61
- Jul 30, 2025Reported quarterly or annual results65
- Apr 30, 2025Reported quarterly or annual results66
- Feb 5, 2025Reported quarterly or annual results67
- Nov 6, 2024Reported quarterly or annual results68
Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar
Filings
449 filings to the SEC since October 2021: 6 annual reports, 15 quarterly reports, 70 major events, 231 insider forms, 27 large holders, 100 other. The latest 20:
- Sep 17, 20264 OWNERSHIP DOCUMENT EDGAR
- Sep 16, 20268-K EDGAR
- Sep 3, 20264 EDGAR
- Sep 1, 2026144 EDGAR
- Aug 26, 20264 EDGAR
- Aug 24, 2026144 EDGAR
- Aug 13, 20264 EDGAR
- Aug 4, 20264 EDGAR
- Jul 31, 202610-Q EDGAR
- Jul 29, 2026SCHEDULE 13G/A EDGAR
- Jul 29, 20268-K EDGAR
- Jul 14, 20264 EDGAR
- Jul 10, 2026144 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 2, 20264 EDGAR
- Jul 1, 2026144 EDGAR
- Jun 2, 20264 EDGAR
The 449 filings since October 2021 can be filtered by form type and year here when JavaScript is on.
Every filing from the last five years, summarized. The full record is on SEC EDGAR.
Insider trades
150 open-market trades by officers, directors and large owners since October 2021: 34 buys and 116 sales. Grants, option exercises and gifts are left out.
| Date | Who | Trade | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| Sep 17, 2026 | Forager Capital Management, LLC10% owner | Sale | 10,401 | $32.22 | $335.1K | Form 4 |
| Sep 16, 2026 | Forager Capital Management, LLC10% owner | Sale | 9,064 | $32.19 | $291.8K | Form 4 |
| Sep 15, 2026 | Forager Capital Management, LLC10% owner | Sale | 9,857 | $32.26 | $318.0K | Form 4 |
| Sep 1, 2026 | LINDENBAUM BENNETT DDirector | Sale | 1,159 | $31.65 | $36.7K | Form 4 |
| Aug 24, 2026 | Atwood Catherine RSVP and General Counsel | Sale | 200 | $35.00 | $7.0K | Form 4 |
| Aug 12, 2026 | Lamba Lakhbir S.President and CEO | Buy | 3,500 | $31.76 | $111.2K | Form 4 |
| Aug 11, 2026 | Lamba Lakhbir S.President and CEO | Buy | 6,500 | $31.59 | $205.3K | Form 4 |
| Jul 10, 2026 | Barnette Steven BVP, Chief Accounting Officer | Sale | 3,274 | $43.30 | $141.8K | Form 4 |
| Jul 1, 2026 | Barnette Steven BVP, Chief Accounting Officer | Sale | 1,600 | $42.04 | $67.3K | Form 4 |
| May 26, 2026 | Johnson Sandra K.Director | Sale | 1,000 | $36.00 | $36.0K | Form 4 |
| May 11, 2026 | Atwood Catherine RSVP and General Counsel | Sale | 3,000 | $35.06 | $105.2K | Form 4 |
| Apr 29, 2026 | Forager Fund, L.P.10% owner | Sale | 2,916 | $38.50 | $112.3K | Form 4 |
| Apr 28, 2026 | Forager Fund, L.P.10% owner | Sale | 2,101 | $39.59 | $83.2K | Form 4 |
| Apr 21, 2026 | MacArthur Robert Symmes10% owner | Sale | 5,788 | $40.18 | $232.6K | Form 4 |
| Apr 20, 2026 | MacArthur Robert Symmes10% owner | Sale | 15,000 | $39.68 | $595.2K | Form 4 |
| Apr 17, 2026 | Barnette Steven BVP, Chief Accounting Officer | Sale | 1,600 | $40.00 | $64.0K | Form 4 |
| Apr 17, 2026 | Fisher Brian J.EVP, Chief Strat/Dev Officer | Sale | 2,961 | $38.95 | $115.3K | Form 4 |
| Apr 17, 2026 | MacArthur Robert Symmes10% owner | Sale | 7,173 | $38.56 | $276.6K | Form 4 |
| Apr 16, 2026 | MacArthur Robert Symmes10% owner | Sale | 12,827 | $38.48 | $493.6K | Form 4 |
| Apr 15, 2026 | Rana HarpreetEVP, Chief Fin & Admin Officer | Sale | 14,978 | $38.09 | $570.5K | Form 4 |
All 150 trades can be filtered by person here when JavaScript is on.
From Forms 4 filed with the SEC.
Major holders
Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.
- BlackRockSCHEDULE 13G/A, 1 filing Jul 29, 202669
- BlackRock Portfolio Management LLCSCHEDULE 13G/A, 3 filings Apr 15, 2025 to Oct 17, 202570
- Forager Capital Management, LLCSCHEDULE 13G/A, 3 filings Jan 10, 2023 to Jun 11, 202571
- WELLINGTON TRUST Co N ASC 13G/A, 4 filings Feb 4, 2022 to Nov 8, 202472
- Wellington Management CompanySC 13G/A, 4 filings Feb 4, 2022 to Nov 8, 202473
- Forager Fund, L.P.SC 13G/A, 2 filings Feb 14, 2024 to May 7, 202474
- DIMENSIONAL FUND ADVISORS LPSC 13G/A, 3 filings Feb 8, 2022 to Feb 9, 202475
- BASSWOOD CAPITAL MANAGEMENT, L.L.C.SC 13D/A, 2 filings Aug 16, 2022 to Nov 29, 202276
- Glen Capital Partners Focus Fund, L.P.SC 13G/A, 1 filing Feb 1, 202277
Executive pay
What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.
| Year | Executive | Age | Salary | Total pay |
|---|---|---|---|---|
| 2025 | Robert W. Beck, | $680.0K | $4.8M78 | |
| 2025 | Harpreet Rana, | $435.0K | $1.9M78 | |
| 2025 | Catherine R. Atwood, | $372.0K | $1.2M78 | |
| 2025 | Manish Parmar, | $363.0K | $1.2M78 | |
| 2025 | Brian J. Fisher, | $412.0K | $1.2M78 | |
| 2025 | Lakhbir S. Lamba, | $78.4K | $587.3K78 | |
| 2024 | Former President and | $660.0K | $4.9M78 | |
| 2024 | Executive VicePresident and | $420.0K | $1.8M78 | |
| 2024 | Senior VicePresident, | $363.0K | $1.2M78 | |
| 2023 | Chief Executive Officer | $660.0K | $5.3M78 | |
| 2023 | Chief Financial and Administrative Officer | $420.0K | $1.9M78 | |
| 2023 | Strategy and Development Officer | $412.0K | $1.7M78 | |
| 2023 | Chief Credit Risk Officer | $363.0K | $1.4M78 |
Held by these funds
The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.
13F reports cover disclosed long positions in U.S. stocks only.
SEC filer profile
How Regional Management Corp. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.
- Name on EDGARRegional Management Corp.1
- CIK0001519401
- Employer ID (EIN)57-08471155
- Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company5
- Incorporated inDelaware5
- Fiscal year endsDecember 311
- Industry code (SIC)6141 Personal Credit Institutions1
- SEC reviewing officeOffice of Finance, Division of Corporation Finance1
- Business address979 Batesville Road, Suite B, Greer, SC 296511
- Phone864-448-70001
- Shares outstanding9,225,794 as of Jul 29, 202612
- Public float$235.4M as of Jun 30, 20255
- AuditorDELOITTE & TOUCHE LLP, Charlotte, North Carolina PCAOB ID 34; it also attests to the company’s internal control over financial reporting5
- On EDGAR sinceMay 16, 20111
- Filings1,112 in all: 4 (528), 8-K (196), 144 (78), SC 13G/A (75), 10-Q (44), 3 (43), SC 13G (21), 10-K (14)1
All 38 form types
DEF 14A (14), S-8 (12), ABS-15G (9), S-1/A (9), CORRESP (8), ARS (7), 4/A (6), SCHEDULE 13G/A (6), UPLOAD (6), 424B3 (5), 8-K/A (4), 5 (3), SC 13D/A (3), CT ORDER (2), DEFR14A (2), EFFECT (2), FWP (2), 10-K/A (1), 10-Q/A (1), 144/A (1), 3/A (1), 424B4 (1), 8-A12B (1), CERTNYS (1), S-1 (1), S-3 (1), S-3/A (1), S-8 POS (1), SC 13D (1), SCHEDULE 13G (1)
- Latest filingsAnnual report (10-K) Feb 20, 2026
Quarterly report (10-Q) Jul 31, 2026
Proxy statement (DEF 14A) Apr 9, 2026
Latest 8-K (8-K) Sep 16, 2026
Securities registered for trading
| Class | Symbol | Exchange |
|---|---|---|
| Common Stock, $0.10 par value | RM | New York Stock Exchange |
From the cover page of the 10-K filed Feb 20, 2026 (Section 12(b) of the Exchange Act).5
Risk factors and legal proceedings
The risks Regional Management Corp. names in Item 1A of its 10-K filed Feb 20, 2026: 54 risks under these headings, as written.5
- Risks related to our business and operations
- Risks related to regulation and legal proceedings
- Risks related to the ownership of our common stock
- Risks Related to Our Business and Operations
- We have grown significantly over the years, and our delinquency, credit loss rates, and overall results of operations may be adversely affected if we do not manage our growth effectively.
- We face significant risks in implementing our growth strategy, some of which are outside of our control.
- We are exposed to credit risk in our lending activities.
- Our convenience check strategy exposes us to certain risks.
- The loans that we generate are generally obligations of non-prime borrowers and will likely have higher default rates than loans constituting primarily obligations of prime borrowers.
- Social and economic factors may affect repayment of the loans comprising our loan portfolio.
- Our policies and procedures for underwriting, processing, and servicing loans are subject to potential failure or circumvention, which may adversely affect our results of operations.
- We may be limited in our ability to collect on our loan portfolio, and the security interests securing a significant portion of our loan portfolio are not perfected, which may increase our credit losses.
The other 46 risks
- Our insurance operations are subject to a number of risks and uncertainties.
- A reduction in demand for our products and a failure by us to adapt to such reduction could adversely affect our business and results of operations.
- We face strong direct and indirect competition.
- We may attempt to pursue acquisitions or strategic alliances that may be unsuccessful.
- Geographic concentration of our loan portfolio may increase the risk of loss.
- Failure of third-party service providers upon which we rely could adversely affect our operations.
- A failure of information technology products and services on which we rely could disrupt our business.
- We rely on Amazon Web Services and Microsoft Azure for our computing, storage, networking, and similar services. Any disruption of or interference with our use of the Amazon Web Services and Microsoft Azure products and services would negatively impact our operations and adversely affect our business.
- Our technology platforms may not meet expectations, and we may not be able to make technological improvements as quickly as some of our competitors.
- Security breaches, cyber-attacks, failures in our information systems, or fraudulent activity could result in damage to our operations or lead to reputational damage.
- The development and use of artificial intelligence presents risks and challenges that may adversely impact our business.
- Pandemics, epidemics, and similar public health crises could adversely impact our business, liquidity, financial condition, and results of operations.
- Centralized headquarters’ functions and branch operations are susceptible to disruption by catastrophic events, which could have a material adverse effect on our business, financial condition, and results of operations.
- The “decentralized” nature of our origination and servicing creates additional risks.
- The ability of our customers to make in-branch payments and any future inability to make in-branch payments may result in additional risks.
- Regular turnover among our managers and other employees at our branches makes it more difficult for us to operate our branches and increases our costs of operations, which could have an adverse effect on our business, financial condition, and results of operations.
- The departure, transition, or replacement of key personnel could significantly impact the results of our operations. If we cannot continue to hire and retain high-quality employees, our business and financial results may be negatively affected.
- Employee misconduct or misconduct by third parties acting on our behalf could harm us by subjecting us to significant legal liability, regulatory scrutiny, and reputational harm.
- Security breaches in our branches or acts of theft, fraud, or violence could adversely affect our financial condition and results of operations.
- Our risk management efforts may not be effective.
- We may be unsuccessful in maintaining effective internal controls over financial reporting and disclosure controls and procedures.
- If our estimate of allowance for credit losses is not adequate to absorb actual losses, our provision for credit losses would increase, which would adversely affect our results of operations.
- If assumptions or estimates we use in preparing our financial statements are incorrect or are required to change, our reported results of operations and financial condition may be adversely affected.
- We depend to a substantial extent on borrowings under our senior revolving credit facility to fund our liquidity needs.
- The credit agreements governing our debt contain restrictions and limitations that could affect our ability to operate our business.
- Our securitizations may expose us to financing and other risks, and there can be no assurance that we will be able to access the securitization market in the future, which may require us to seek more costly financing.
- We may be required to indemnify, or repurchase certain finance receivables from, purchasers of finance receivables that we have sold or securitized, or which we will sell or securitize in the future, if our finance receivables fail to meet certain criteria or characteristics or under other circumstances, which could adversely affect our results of operations, financial condition, and liquidity.
- We are subject to interest rate risk resulting from general economic conditions and policies of various governmental and regulatory agencies.
- Our use of derivatives exposes us to credit and market risk.
- Macroeconomic conditions could have a material adverse effect on our business, financial position, results of operations, and cash flows, and may increase loan defaults and affect the value and liquidity of your investment.
- Failure to maintain, protect, and promote our brand may harm our business.
- Risks Related to Regulation and Legal Proceedings
- Our business products and activities are strictly and comprehensively regulated at the local, state, and federal levels.
- We may become involved in investigations, examinations, and proceedings by government and self-regulatory agencies, which may result in material adverse consequences to our business, financial condition, and results of operations.
- Changes in laws and regulations or interpretations of laws and regulations could negatively impact our business, financial condition, and results of operations.
- Financial regulatory reform has created uncertainty and could negatively impact our business, financial condition, and results of operations.
- We sell certain of our loans, including, in some instances, charged-off loans and loans where the borrower is in default, which could subject us to heightened regulatory scrutiny, expose us to legal action, cause us to incur losses, and/or limit or impede our collection activity.
- Our use of third-party vendors is subject to increasing regulatory attention.
- We are subject to government regulations concerning our hourly and our other employees, including minimum wage, overtime, and health care laws.
- Our stock price or results of operations could be adversely affected by media and public perception of installment loans and of legislative and regulatory developments affecting activities within the installment lending sector.
- Legal proceedings to which we may become subject may have a material adverse impact on our financial position and results of operations.
- Current and proposed regulations related to consumer privacy, data protection, and information security could increase our costs.
- Risks Related to the Ownership of Our Common Stock
- The market price of shares of our common stock may continue to be volatile, which could cause the value of your investment to decline.
- There can be no assurance of our ability to declare and pay cash dividends in future periods.
- Your stock ownership may be diluted by the future issuance of additional common stock in connection with our incentive plans, acquisitions, or otherwise.
- Anti-takeover provisions in our charter documents and applicable state law might discourage or delay acquisition attempts for us that you might consider favorable.
- Our amended and restated certificate of incorporation contains a provision renouncing our interest and expectancy in certain corporate opportunities identified by our non-employee directors and their affiliates.
Legal proceedings
The Company is involved in various legal proceedings and related actions that have arisen in the ordinary course of its business that have not been fully adjudicated. The Company’s management does not believe that these matters, when ultimately concluded and determined, will have a material adverse effect on its financial condition, liquidity, or results of operations.
The opening of Item 3, Legal Proceedings.5
Sources
The numbers on this page point here. Each one links to the record it came from.
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- 18SEC EDGARPeter R. Knitzer, President
- 19SEC EDGARJody L. Anderson, President
- 20SEC EDGARC. Glynn Quattlebaum, President
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- 32SEC EDGARMichelle Masters, Officer
- 33SEC EDGARJulie Booth, Board member
- 34SEC EDGARPhilip Bancroft V., Board member
- 35SEC EDGARSandra K. Johnson, Board member
- 36SEC EDGARMaria Contreras-Sweet, Board member
- 37SEC EDGARBennett D. Lindenbaum, Board member
- 38SEC EDGARPeter R. Knitzer, Board member
- 39SEC EDGARSteven J. Freiberg, Board member
- 40SEC EDGARC. Glynn Quattlebaum, Board member
- 41SEC EDGARAlvaro G. Demolina, Board member
- 42SEC EDGARCarlos Palomares, Board member
- 43SEC EDGARErik A. Scott, Board member
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- 45SEC EDGARJared L. Johnson, Board member
- 46SEC EDGARMarcos A. Rodriguez, Board member
- 47SEC EDGARRichard A. Godley, Board member
- 48SEC EDGARRichard T. Dell'Aquila, Board member
- 49SEC EDGARRoel C. Campos, Board member
- 50SEC EDGARCatherine R. Atwood, General counsel
- 51SEC EDGARBrian J. Fisher, General counsel
- 52SEC EDGARRegulation FD disclosure
- 53SEC EDGARResults of operations; Other events
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- 55SEC EDGAREntered a material agreement
- 56SEC EDGARResults of operations; Other events
- 57SEC EDGAREntered a material agreement
- 58SEC EDGARRegulation FD disclosure
- 59SEC EDGARResults of operations; Other events
- 60SEC EDGARRegulation FD disclosure
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- 63SEC EDGARRegulation FD disclosure
- 64NasdaqNasdaq calendar
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