Regional Management Corp. (RM)
Regional Management Corp. brought in $683.8M of revenue over the twelve months to September 30, 2026, up 8.4% from a year earlier. Net income was $47.6M, a net margin of 7.0%. Operating cash flow minus capital spending left $304.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $140.9M in cash against $1.7B of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 30, 2026.
Key facts about Regional Management Corp.
- Net worth
- Regional Management Corp. has a market value (market cap) of $323.9M at the latest share price, and shareholders' equity of $381.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $645.6M (+9.7% year on year), with net income of $44.4M. Over the 12 months to September 30, 2026: revenue $683.8M, net income $47.6M.
- Cash flow
- In fiscal 2025 operations brought in $309.1M of cash; after $4.8M of capital spending, free cash flow was $304.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 30, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Regional Management Corp.'s next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Regional Management Corp. declared dividends of $1.20 per share in fiscal 2025, a yield of 3.42% at the current price.
What Regional Management Corp. does
Regional Management Corp. is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NYSE under the ticker RM.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $645.6M | $44.4M | $4.45 | $304.3M |
| 2024 | $588.5M | $41.2M | $4.14 | $263.9M |
| 2023 | $551.4M | $16M | $1.66 | $244.5M |
| 2022 | $507.2M | $51.2M | $5.30 | $218.5M |
| 2021 | $428.4M | $88.7M | $8.33 | $185.4M |
| 2020 | $373.9M | $26.7M | $2.40 | $161M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where RM ranks in Finance
Dividends
Regional Management Corp. declared $1.20 per share in fiscal 2025. At the current price that is a yield of 3.42%. It paid out $11.5M in cash dividends, 26% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.20 | $11.5M | 26% |
| 2024 | $1.20 | $12.1M | 29% |
| 2023 | $1.20 | $11.9M | 74% |
| 2022 | $1.20 | $11.4M | 22% |
| 2021 | $0.95 | $9.5M | 11% |
| 2020 | $0.20 | $2.2M | 8% |
Latest SEC filings
What Regional Management Corp. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026Passive stake changed SCHEDULE 13G/A
- October 30, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 8% to $178.8M versus the same quarter last year; diluted EPS $1.61 versus $1.42.
- October 28, 2026
- September 16, 2026
- July 31, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 6.7% to $168M versus the same quarter last year; diluted EPS $0.85 versus $1.03.
- July 29, 2026
- July 29, 2026Passive stake changed SCHEDULE 13G/A
- May 19, 2026
- May 15, 2026
- May 4, 2026
What is RM worth? A DCF from its reported cash flow
Insider trades
What the people running Regional Management Corp. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $2.6M worth of shares in the last 90 days and bought none on the open market. 8% of the selling was pre-planned under Rule 10b5-1 trading plans.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 5, 2026 | Johnson Sandra K.Director | Soldpre-planned (10b5-1) | 2,009 | $76.9K |
| November 5, 2026 | Johnson Sandra K.Director | Soldpre-planned (10b5-1) | 691 | $27.3K |
| November 5, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 17 | $680.2 |
| November 5, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 2 | $80 |
| November 5, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 41 | $1.6K |
| November 5, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 1 | $40 |
| November 5, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 16 | $640.2 |
| November 4, 2026 | Basswood Capital Management, L.L.C.Director, 10% owner | Soldindirect | 5,353 | $213K |
Who owns RM
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Forager Capital Management, LLC13G, passive with 3 related filers | 8.4% | November 4, 2026 |
Largest institutional holders
Insiders
17 insiders reported holding 1,886,148 shares in total, about $66.2M at the last price.
| Holder | Shares |
|---|---|
| Forager Fund, L.P.10% owner | 919,136 |
| Freiberg Steven JDirector | 142,048 |
| Campos Roel CDirector | 117,784 |
| Basswood Capital Management, L.L.C.Director, 10% owner | 115,807115,807 held indirectly |
| Dunn Michael RDirector | 106,692 |
| Palomares CarlosDirector | 74,196 |
| Parmar ManishEVP, Chief Credit Risk Officer | 71,847 |
| Rana HarpreetEVP, Chief Fin & Admin Officer | 63,635 |
| Lamba Lakhbir S.President and CEO, Director | 55,734 |
| Atwood Catherine RSVP and General Counsel | 52,707 |
Questions about RM
What does Regional Management Corp. do?
Regional Management Corp. is a company in the Finance sector, listed on NYSE as RM. Its shares trade on NYSE under the ticker RM.
What is Regional Management Corp.'s net worth?
Regional Management Corp. has a market value (market cap) of $323.9M at the latest share price, and shareholders' equity of $381.4M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Regional Management Corp. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $47.6M on revenue of $683.8M, a net margin of 7.0%.
How much revenue does Regional Management Corp. make?
Over the twelve months to September 30, 2026 Regional Management Corp. reported revenue of $683.8M. That is 8.4% more than a year earlier.
When did Regional Management Corp. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 30, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the planned insider sale from November 9, 2026.
When is Regional Management Corp.'s next earnings report?
Regional Management Corp.'s next report is expected around February 3, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Regional Management Corp. pay a dividend?
Yes. Regional Management Corp. declared dividends of $1.20 per share in fiscal 2025, a yield of 3.42% at the current price.
Similar companies
Compare RM with
Follow RM
Get an email when Regional Management Corp. files with the SEC: results, executive changes, material agreements and annual reports.
Where the numbers come from
Financial figures are the values Regional Management Corp. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.