Regional Management Corp.
- Open
- 41.51
- Day high
- 42.21
- Day low
- 41.51
- Prev close
- 41.20
- Volume
- 38K
- Mkt cap
- $387M
- P/E (TTM)
- 8.2
- EPS (TTM)
- $5.14
- P/B
- 1.0
- P/S
- 0.6
- Yield
- 2.86%
- Per share
- $1.20
- ▼Insiders net selling -$4.0M over the last 3 months (1 open-market buy, 16 sales)
- 🏛Institutions accumulating (13F)
Regional Management Corp. (RM) is a Financial Services company listed on NYSE. The stock is up 34% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 16 sales (SEC Form 4).
Regional Management Corp. (RM) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
RM earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 29, 2026 | $0.97 | $1.18 | +21.0% | $167M | +3.6% |
| Feb 4, 2026 | $1.29 | $1.30 | +0.8% | $170M | +1.1% |
| Nov 5, 2025 | $1.46 | $1.42 | -2.7% | $165M | -1.6% |
| Jul 30, 2025 | $0.72 | $1.03 | +43.1% | $157M | -3.3% |
| Apr 30, 2025 | $0.67 | $0.70 | +4.5% | $153M | -0.4% |
| Feb 5, 2025 | $0.88 | $0.98 | +11.4% | $135M | -12.4% |
| Jul 31, 2024 | $0.57 | $0.86 | +50.9% | $143M | +3.2% |
| May 1, 2024 | $0.87 | $1.56 | +79.3% | $144M | +3.0% |
| Feb 7, 2024 | $0.37 | $0.54 | +45.9% | $142M | -0.2% |
| Nov 1, 2023 | $0.79 | $0.91 | +15.2% | $124M | -10.8% |
| Aug 2, 2023 | $0.52 | $0.63 | +21.2% | $117M | -11.6% |
| May 3, 2023 | $0.55 | $0.90 | +63.6% | $119M | -12.0% |
RM insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 27, 2026 | Johnson Sandra K.director | Sell | 1,000 | $36.00 |
| May 26, 2026 | Johnson Sandra K.director | Grant | 3,583 | — |
| May 26, 2026 | Palomares Carlosdirector | Grant | 4,286 | — |
| May 26, 2026 | Dunn Michael Rdirector | Grant | 3,583 | — |
| May 26, 2026 | Freiberg Steven Jdirector | Grant | 3,829 | — |
| May 26, 2026 | BASSWOOD CAPITAL MANAGEMENT, L.L.C.director, 10 percent owner, other: Director-by-Deputization | Grant | 3,337 | — |
| May 26, 2026 | Campos Roel Cdirector | Grant | 3,583 | — |
| May 26, 2026 | Brown Jonathan Daviddirector | Grant | 3,337 | — |
| May 26, 2026 | Booth Juliedirector | Grant | 3,829 | — |
| May 26, 2026 | Contreras-Sweet Mariadirector | Grant | 3,829 | — |
| May 15, 2026 | Parmar Manishofficer: EVP, Chief Credit Risk Officer | Grant | 5,125 | — |
| May 15, 2026 | Fisher Brian J.officer: EVP, Chief Strat/Dev Officer | Grant | 5,125 | — |
| May 15, 2026 | Rana Harpreetofficer: EVP, Chief Fin & Admin Officer | Grant | 14,645 | — |
| May 15, 2026 | Lamba Lakhbir S.director, officer: President and CEO | Grant | 36,613 | — |
| May 15, 2026 | Atwood Catherine Rofficer: SVP and General Counsel | Grant | 6,444 | — |
Source: RM SEC Form 4 filings, latest May 27, 2026. For informational purposes only — not investment advice.
See the full RM insider & 13F page →Regional Management Corp. company profile
Overview
Regional Management Corp. (NYSE:RM) is a consumer finance company founded in 1987 and headquartered in Greer, South Carolina. The company went public in March 2012 and has established itself as a specialized lender serving customers with limited access to traditional banking credit. Operating through approximately 350 branches across 14 states, Regional Management has built a network focused on providing installment loans and related financial services to underbanked consumers. The company has experienced significant growth over the past decade, expanding its geographic footprint and diversifying its product offerings while maintaining a conservative approach to credit underwriting.
Business
Regional Management operates in the consumer finance industry, specifically focusing on installment lending to customers who typically cannot access credit from traditional banks, credit unions, or major credit card companies. This market segment is often referred to as the "near-prime" or "non-prime" consumer lending space, serving individuals with limited credit histories or lower credit scores. The company's core business revolves around two primary loan products. Large installment loans represent approximately 71% of the portfolio and are typically secured by personal property such as automobiles, with loan amounts ranging from several thousand to tens of thousands of dollars. These loans generally carry lower interest rates and serve customers seeking to consolidate debt or make major purchases. Small installment loans make up a smaller but growing portion of the business, offering unsecured credit typically under $5,000 with higher interest rates to compensate for increased risk. The company also operates an auto-secured lending segment that has grown rapidly, now representing approximately 11% of the total portfolio. These loans use vehicles as collateral and offer lower risk profiles with correspondingly lower yields. Additionally, Regional Management provides various insurance products including credit life, accident and health, property, and involuntary unemployment insurance, which generate additional revenue streams and provide customer protection. Regional Management sources loans through multiple channels including its branch network, direct mail campaigns, digital partnerships, retail partnerships, and its consumer website. The company has been investing heavily in digital capabilities to complement its traditional branch-based model, with digitally sourced loans representing a growing portion of new originations.
Competitive moat
Regional Management's competitive moat is moderate but meaningful within its specific market niche. The company's primary defensive characteristics stem from its specialized expertise in underwriting and servicing non-prime borrowers, a customer segment that requires sophisticated risk assessment capabilities that many traditional lenders avoid due to regulatory complexity and credit risk concerns. The company's branch network across 14 states provides local market presence and customer relationships that are difficult for purely digital competitors to replicate quickly. This physical presence enables face-to-face customer service, which is often preferred by the company's target demographic. Additionally, Regional Management has developed proprietary credit scoring models and underwriting systems specifically designed for evaluating borrowers with limited credit histories. However, the company's moat faces several vulnerabilities. The consumer finance industry is increasingly competitive, with fintech lenders offering faster, more convenient digital experiences that could attract Regional Management's customers. Large banks and credit card companies periodically expand into sub-prime lending when economic conditions are favorable, bringing significantly more capital and resources to compete for the same borrowers. Regulatory risk represents a persistent threat, as state and federal authorities regularly consider interest rate caps and lending restrictions that could limit the company's ability to price loans appropriately for risk. The Consumer Financial Protection Bureau's oversight adds compliance costs and operational constraints. Additionally, the company's business model is inherently cyclical, with credit performance deteriorating during economic downturns, which can quickly erode profitability and limit growth opportunities. The competitive landscape suggests Regional Management operates in a defensible niche rather than possessing a truly durable moat, with success depending heavily on execution, regulatory environment, and economic conditions.
Risks & safety
Regional Management presents a moderate margin of safety with manageable financial risk but limited downside protection during economic stress. • Liquidity and Solvency: The company maintains minimal cash positions ($4.2 million as of Q1 2025) but generates strong operating cash flows of $64 million quarterly. Debt-to-equity ratio of 4.24x reflects the leveraged nature of the lending business, though this is typical for consumer finance companies. • Valuation Metrics: Trading at attractive multiples with P/E ratio of 6.4x, P/B ratio of 0.81x, and EV/EBITDA of 0.96x, suggesting the market prices in significant risk or cyclical concerns. • Credit Risk: Net credit losses running at 10-11% of portfolio with 30+ day delinquencies at 7.1%. The company maintains conservative allowances and has tightened underwriting, though credit performance remains the primary risk factor. • Profitability: Return on equity of 3.2% (quarterly) appears low but reflects recent conservative positioning. Management targets long-term ROE of 20% and ROA of 4%. • Other Considerations: Strong free cash flow generation ($62 million quarterly) provides flexibility, though the business model's inherent cyclicality and regulatory risks limit the true margin of safety during adverse conditions.
Recent development
Over the past few years, Regional Management has executed several strategic initiatives to strengthen its competitive position and diversify its revenue streams. The company has pursued aggressive geographic expansion, entering new markets including California, Arizona, and Louisiana, with plans to open additional branches. This expansion strategy includes opening 15 new branches in September 2024 alone, with new locations typically reaching positive monthly net income by month 14. The company has implemented a "barbell strategy" for portfolio composition, balancing high-margin small loans with lower-risk auto-secured loans. The auto-secured portfolio has grown dramatically from 8.3% to 11% of total portfolio, providing stability during economic uncertainty. Simultaneously, the small loan portfolio has expanded 12% year-over-year, with management increasing the portion of loans carrying APRs above 36% from 16% to 19% of the portfolio. Digital transformation represents another key strategic focus, with the company investing in technology infrastructure, data analytics capabilities, and end-to-end digital lending processes. Digital partnerships and online origination channels now contribute meaningfully to loan volume, complementing the traditional branch-based model. The company has also undertaken operational efficiency initiatives, including a corporate restructuring that reduced positions by 10% and generated $6 million in annual cost savings. Management has maintained conservative underwriting standards throughout economic uncertainty, tightening credit boxes for new borrowers while focusing on existing customer relationships. Recent regulatory developments include successfully completing a CFPB supervision examination without adverse findings, providing some regulatory clarity for operations.
RM company profile · for informational purposes only — not investment advice.
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