Regional Management Corp. (RM)

In the past six months, Regional Management Corp. completed a $265 million asset-backed securitization on April 2, 2025. The company announced its First Quarter 2025 results on April 30, 2025, and reported its Second Quarter 2025 results on July 30, 2025, surpassing analysts' estimates. Wall Street Zen upgraded the stock to a "strong-buy" rating on August 3, 2025. Insider Robert Beck sold 10,000 shares in August 2025, and the company secured a new $355 million credit facility on August 25, 2025. Another executive sold over a thousand shares in early September 2025. The company announced its Third Quarter 2025 results on October 1, 2025, and an investor presentation was scheduled for October 7, 2025. By October 22, 2025, investors saw a 135% return over five years, and the stock price moved above its 200-day moving average on October 25, 2025.

Demand for Regional Management Corp.'s loan products exhibits seasonality, with seasonally low loan demand anticipated during the first quarter due to tax season and negative seasonality in the fourth quarter due to the holiday season. However, there have been recent indications of strong loan growth and increased demand from existing customers for refinancing and debt consolidation.

Regional Management Corp. (RM), operating as "Regional Finance," is a diversified consumer finance company offering installment loans to individuals with limited access to traditional credit. The company provides small and large installment loans, optional payment and collateral protection insurance, and indirect retail installment loans.

Regional Management Corp. has a significant presence across the Southeastern and Southwestern United States. As of October 2025, the company operates 352 branches across 19 states, including Arizona, California, Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, Alabama, New Mexico, Oklahoma, Virginia, Illinois, Utah, Mississippi, Indiana, and Louisiana.

Over the past year, Regional Management Corp.'s brand reputation has faced challenges, with customer complaints filed with the Better Business Bureau alleging dishonest practices, loans tripling in value, and issues with payment processing and credit reporting. Despite these concerns, the company emphasizes its commitment to an Environmental, Social, and Governance (ESG) approach.

Institutional investors hold a significant portion of Regional Management Corp.'s stock, ranging from approximately 83.93% to 98.89%, while insider ownership stands at about 10.80%. Major institutional shareholders include Blackrock Inc., Forager Capital Management LLC, Basswood Capital Management LLC, Dimensional Fund Advisors LP, and Vanguard Group Inc. Prominent individual and insider owners include Second Curve Capital LLC, Ejf Capital LLC, Palladium Equity Partners III LLC, and Forager Fund LP.