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    Regional Management (RM)

    Market Price (9/13/2026): $32.9 | Market Cap: $295.7 MilSector: Financials | Industry: Consumer Finance

    Regional Management (RM)

    Market Price (9/13/2026): $32.9
    Market Cap: $295.7 Mil
    Sector: Financials
    Industry: Consumer Finance

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 3.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 16%, FCF Yield is 105%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 57%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 54%

    Low stock price volatility
    Vol 12M is 46%

    Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.

    Weak multi-year price returns
    2Y Excs Rtn is -26%, 3Y Excs Rtn is -35%

    Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 577%

    Key risks
    RM key risks include [1] heightened credit risk and loan defaults, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 20%, Dividend Yield is 3.9%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 16%, FCF Yield is 105%
    1 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 57%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 54%
    2 Low stock price volatility
    Vol 12M is 46%
    3 Megatrend and thematic drivers
    Megatrends include Fintech & Digital Payments. Themes include Online Banking & Lending.
    4 Weak multi-year price returns
    2Y Excs Rtn is -26%, 3Y Excs Rtn is -35%
    5 Debt is significant
    Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 577%
    6 Key risks
    RM key risks include [1] heightened credit risk and loan defaults, Show more.

    RM in ETFs

    Weight = RM's share of each fund

    VTI0.00%
    IWM0.01%
    AVUV0.03%
    FNDA0.02%
    IWN0.02%
    VTWO0.01%
    DFAS0.01%
    IWO0.00%
    +2 more covered ETFs

    Valuation & Metrics

    FYE: 12/31RM [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$580.0 Mil—
    FY 2026 Sales$667.2 Mil—
    FY 2027 Sales$713.1 Mil—
    FY 2026 Sales Growth15.0%—
    FY 2027 Sales Growth6.9%13.0%
    EARNINGS
    LTM Net Income (GAAP) [3]$46.8 Mil—
    FY 2026 Net Income (Non-GAAP)$49.2 Mil—
    FY 2027 Net Income (Non-GAAP)$60.4 Mil—
    FY 2027 Net Income Growth22.7%18.4%
    FY 2026 EPS (Non-GAAP)$4.96—
    FY 2027 EPS (Non-GAAP)$6.12—
    FY 2027 EPS Growth23.3%—
    VALUATION
    FY 2026 P/S0.41.6
    FY 2027 P/S0.4—
    FY 2026 P/E6.07.4
    FY 2027 P/E4.9—

    [1] RM forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 9/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    null

    AI Analysis | Feedback

    MetricValueDateSource
    Ending Net Receivablesover $2.1 billion9302025Link
    Ending Net Receivables per Branch$5.9 million9302025Link
    New Branches Opened (since Q3 2024)169302025Link
    Digital Originations (% of Total New Borrower Volume)36.5%9302025Link
    Auto-Secured Portfolio$275 million9302025Link
    30+ Day Delinquency Rate7.0%9302025Link
    Net Credit Loss Rate10.2%9302025Link
    Operating Expense Ratio12.8%9302025Link
    Allowance for Credit Loss Rate10.3%9302025Link
    Total Portfolio Originations$522 million9302025Link
    Small Loan Delinquency Rate10.8%9302025Link
    Large Loan Delinquency Rate5.7%9302025Link
    Nonaccrual Loans as a Percentage of Receivables4.4%9302025Link

    Price Chart

    No Events

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 9/4/2026

    Regional Management (RM) stock has lost about 10% since 5/31/2026 because of the following key factors:

    1. Regional Management experienced a significant year-over-year decline in its second quarter of fiscal year 2026 net income and diluted earnings per share. The company reported net income of $8.2 million, down approximately 19% from the prior year, and diluted EPS of $0.85, an 18% decrease year-over-year.

    2. The company faced increased credit losses and a higher provision for credit losses during fiscal Q2 2026. The net credit loss rate rose to 12.2%, and the provision for credit losses increased by 13.9% to $69.0 million, directly impacting profitability.

    Show more
    Updated on 9/4/2026

    Regional Management (RM) stock has lost about 10% since 5/31/2026 because of the following key factors:

    1. Regional Management experienced a significant year-over-year decline in its second quarter of fiscal year 2026 net income and diluted earnings per share. The company reported net income of $8.2 million, down approximately 19% from the prior year, and diluted EPS of $0.85, an 18% decrease year-over-year.

    2. The company faced increased credit losses and a higher provision for credit losses during fiscal Q2 2026. The net credit loss rate rose to 12.2%, and the provision for credit losses increased by 13.9% to $69.0 million, directly impacting profitability.

    3. A challenging macroeconomic environment for consumer lending contributed to the stock's negative trend. The second quarter of fiscal year 2026 was characterized by persistent household financial strain, elevated consumer debt, and an increase in consumer-level delinquencies, with 90+ days past due rising to 2.26%. This led to lenders becoming more cautious and selective in their underwriting practices.

    4. Analyst sentiment shifted more cautiously, with some downgrades and price target reductions. Around July and August of fiscal year 2026, several analysts either lowered their price targets, such as Citizens JMP reducing its target from $45.00 to $43.00, or downgraded their ratings, with Weiss Ratings moving from "hold (c+)" to "hold (c)" and Wall Street Zen cutting its rating from "buy" to "hold."

    Show less
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    Stock Movement Drivers

    Fundamental Drivers

    The -9.5% change in RM stock from 5/31/2026 to 9/12/2026 was primarily driven by a -7.4% change in the company's P/E Multiple.
    (LTM values as of)53120269122026Change
    Stock Price ($)36.4432.99-9.5%
    Change Contribution By: 
    Total Revenues ($ Mil)5725801.4%
    Net Income Margin (%)8.5%8.1%-5.4%
    P/E Multiple6.86.3-7.4%
    Shares Outstanding (Mil)991.9%
    Cumulative Contribution-9.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    5/31/2026 to 9/12/2026
    ReturnCorrelation
    RM-9.5% 
    Market (SPY)1.0%-8.4%
    Sector (XLF)11.0%22.9%

    Fundamental Drivers

    The 5.5% change in RM stock from 2/28/2026 to 9/12/2026 was primarily driven by a 3.4% change in the company's Total Revenues ($ Mil).
    (LTM values as of)22820269122026Change
    Stock Price ($)31.2632.995.5%
    Change Contribution By: 
    Total Revenues ($ Mil)5615803.4%
    Net Income Margin (%)7.9%8.1%1.9%
    P/E Multiple6.56.3-2.5%
    Shares Outstanding (Mil)992.7%
    Cumulative Contribution5.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    2/28/2026 to 9/12/2026
    ReturnCorrelation
    RM5.5% 
    Market (SPY)11.7%13.4%
    Sector (XLF)11.9%34.4%

    Fundamental Drivers

    The -22.1% change in RM stock from 8/31/2025 to 9/12/2026 was primarily driven by a -45.4% change in the company's P/E Multiple.
    (LTM values as of)83120259122026Change
    Stock Price ($)42.3532.99-22.1%
    Change Contribution By: 
    Total Revenues ($ Mil)5325809.0%
    Net Income Margin (%)6.5%8.1%23.7%
    P/E Multiple11.66.3-45.4%
    Shares Outstanding (Mil)1095.7%
    Cumulative Contribution-22.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2025 to 9/12/2026
    ReturnCorrelation
    RM-22.1% 
    Market (SPY)19.5%25.6%
    Sector (XLF)7.3%43.5%

    Fundamental Drivers

    The 35.1% change in RM stock from 8/31/2023 to 9/12/2026 was primarily driven by a 40.4% change in the company's Net Income Margin (%).
    (LTM values as of)83120239122026Change
    Stock Price ($)24.4232.9935.1%
    Change Contribution By: 
    Total Revenues ($ Mil)47358022.7%
    Net Income Margin (%)5.7%8.1%40.4%
    P/E Multiple8.46.3-25.0%
    Shares Outstanding (Mil)994.6%
    Cumulative Contribution35.1%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    8/31/2023 to 9/12/2026
    ReturnCorrelation
    RM35.1% 
    Market (SPY)75.7%35.9%
    Sector (XLF)74.0%45.1%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    RM Return96%-50%-7%42%18%-13%34%
    Peers Return78%-23%27%17%21%26%211%
    S&P 500 Return27%-19%24%23%16%11%102%

    Monthly Win Rates [3]
    RM Win Rate67%33%50%67%58%56% 
    Peers Win Rate68%45%47%43%57%62% 
    S&P 500 Win Rate75%42%67%75%67%44% 

    Max Drawdowns [4]
    RM Max Drawdown-20%-51%-42%-22%-27%-28% 
    Peers Max Drawdown-19%-39%-28%-22%-24%-23% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: WRLD, CACC, EZPW, SLM, NNI.
    [3] Win Rate = % of calendar months in which monthly returns were positive
    [4] Max drawdown represents maximum peak-to-trough decline within a year
    [5] 2026 data is for the year up to 9/11/2026 (YTD)

    How Low Can It Go

    EventRMS&P 500
    2025 US Tariff Shock
      % Loss-26.2%-18.8%
      % Gain to Breakeven35.5%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-36.1%-9.5%
      % Gain to Breakeven56.6%10.5%
      Time to Breakeven233 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-24.0%-6.7%
      % Gain to Breakeven31.6%7.1%
      Time to Breakeven114 days31 days
    2020 COVID-19 Crash
      % Loss-63.1%-33.7%
      % Gain to Breakeven171.3%50.9%
      Time to Breakeven234 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-20.3%-19.2%
      % Gain to Breakeven25.5%23.8%
      Time to Breakeven51 days105 days
    2016-2017 Trump Reflation Bond Selloff
      % Loss-15.2%-3.7%
      % Gain to Breakeven18.0%3.9%
      Time to Breakeven78 days6 days

    Compare to WRLD, CACC, EZPW, SLM, NNI

    In The Past

    Regional Management's stock fell -26.2% during the 2025 US Tariff Shock. Such a loss loss requires a 35.5% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventRMS&P 500
    2025 US Tariff Shock
      % Loss-26.2%-18.8%
      % Gain to Breakeven35.5%23.1%
      Time to Breakeven80 days79 days
    Summer-Fall 2023 Five Percent Yield Shock
      % Loss-36.1%-9.5%
      % Gain to Breakeven56.6%10.5%
      Time to Breakeven233 days24 days
    2023 SVB Regional Banking Crisis
      % Loss-24.0%-6.7%
      % Gain to Breakeven31.6%7.1%
      Time to Breakeven114 days31 days
    2020 COVID-19 Crash
      % Loss-63.1%-33.7%
      % Gain to Breakeven171.3%50.9%
      Time to Breakeven234 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-20.3%-19.2%
      % Gain to Breakeven25.5%23.8%
      Time to Breakeven51 days105 days
    2015-2016 China Devaluation / Global Growth Scare
      % Loss-29.6%-12.2%
      % Gain to Breakeven42.1%13.9%
      Time to Breakeven43 days62 days
    2014-2016 Oil Price Collapse
      % Loss-33.6%-6.8%
      % Gain to Breakeven50.7%7.3%
      Time to Breakeven189 days15 days
    2013 Taper Tantrum
      % Loss-29.5%-0.2%
      % Gain to Breakeven41.8%0.2%
      Time to Breakeven855 days1 days

    Compare to WRLD, CACC, EZPW, SLM, NNI

    In The Past

    Regional Management's stock fell -26.2% during the 2025 US Tariff Shock. Such a loss loss requires a 35.5% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About Regional Management (RM)

    Regional Management Corp. (RM) is a consumer finance company specializing in installment loan products. The company's primary mission is to serve individuals who have limited access to traditional credit options offered by banks, thrifts, and credit card companies.

    RM's core offerings encompass both small and large installment loans, alongside retail loans specifically designed to finance purchases such as furniture and appliances. Complementing its lending services, the company also provides a range of insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance, as well as collateral protection and reinsurance products. Loans are sourced through a multi-channel approach, leveraging its network of approximately 350 branches across 14 states, direct mail campaigns, digital partners, retailers, and its consumer website.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for Regional Management (RM):

    • Imagine a specialized Capital One, offering installment loans and retail financing to consumers who don't qualify for traditional bank credit.
    • It's like a financial services company similar to Aaron's or Rent-A-Center, but focused on direct cash installment loans and retail financing instead of primarily rent-to-own products.

    AI Analysis | Feedback

    • Installment Loan Products: The company offers small and large installment loans primarily to customers with limited access to traditional credit.
    • Retail Loans: These loans are provided to finance the purchase of furniture, appliances, and other retail goods.
    • Insurance Products: Various insurance offerings include credit life, health, property, vehicle, and involuntary unemployment insurance.
    • Reinsurance Products: The company also provides reinsurance services.

    AI Analysis | Feedback

    Regional Management Corp. (RM) primarily sells its financial products and services to individuals. The company focuses on serving customers who typically have limited access to traditional consumer credit from banks, thrifts, and credit card companies.

    Based on the company description, its major customer categories are:

    1. Individuals seeking personal installment loans: These customers typically need funds for various personal expenses, emergencies, or other financial needs, and rely on RM for accessible small and large installment loan products due to their limited access to credit from traditional lenders.
    2. Individuals requiring retail financing: This category includes customers who need financing to purchase durable goods such as furniture, appliances, and other retail products, often facilitated through RM's partnerships with retailers. These individuals also generally face barriers to obtaining credit from mainstream financial institutions.

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    Lakhbir L. Lamba, President, Chief Executive Officer, and Director

    Lakhbir Lamba was appointed President, Chief Executive Officer, and Director of Regional Management effective November 10, 2025. He brings nearly 30 years of leadership experience in consumer lending and financial services. Prior to joining Regional Management, he served as Executive Vice President, Head of Consumer Lending & Analytics at PNC Financial Services Group, Inc., where he managed a $32 billion portfolio and oversaw a team of 2,000 employees. He spent over 15 years with PNC, holding roles such as EVP of Retail Lending and EVP of Analytics and Portfolio Management.

    Harpreet Rana, Executive Vice President and Chief Financial Officer

    Harpreet Rana has served as Executive Vice President and Chief Financial Officer of Regional Management since November 2020. She has 20 years of financial services experience, with expertise in capital and credit management, driving profitable portfolio growth, digital product development and transformation, and retail banking management. From 2016 to 2020, she was Managing Director, North America Retail Bank at Citigroup. Additionally, from 2013 to 2015, she held various business and finance leadership positions at Citigroup, including Head of US Retail Deposit & Lending Products.

    Brian J. Fisher, Executive Vice President and Chief Strategy and Development Officer

    Brian J. Fisher has served as Executive Vice President and Chief Strategy and Development Officer since September 2020. Before this role, he was General Counsel and Secretary of Regional Management from January 2013 to September 2020. Mr. Fisher previously worked as an attorney in the Corporate and Securities practice group of Womble Carlyle Sandridge and Rice, LLP (now Womble Bond Dickinson (US) LLP) from 2009 to 2013.

    Manish Parmar, Executive Vice President and Chief Credit Risk Officer

    Manish Parmar has served as Executive Vice President and Chief Credit Risk Officer of Regional Management since January 2020. He possesses nearly 20 years of credit and financial experience across various functions, including credit risk, analytics, financial partnerships, database marketing, and modeling. Prior to joining Regional Management, Mr. Parmar was Chief Credit and Analytics Officer at Conn's, Inc. Earlier in his career, he held several senior management positions at Discover Financial Services, culminating in his role as Head of Consumer Credit Risk Management.

    AI Analysis | Feedback

    The key risks to Regional Management Corp. (RM) primarily stem from the nature of its consumer finance business, which serves customers with limited access to traditional credit.

    1. Credit and Economic Risks: A paramount risk for Regional Management Corp. is the inherent credit risk associated with its target demographic of non-prime borrowers. Economic downturns, rising unemployment rates, and inflationary pressures can directly impair its customers' ability to repay loans, leading to higher loan delinquencies, increased provisions for credit losses, and higher net credit losses. While the company employs a "barbell strategy" to balance higher-risk small loans with more secure auto-secured loans, the overall vulnerability to economic shifts remains significant. The company's allowance for credit losses and net credit losses have shown increases, indicating the tangible impact of these risks.
    2. Regulatory Risks: The consumer finance industry is subject to extensive federal and state regulations, which poses a substantial risk to Regional Management Corp. Changes in lending laws, the imposition of interest rate caps, or increased scrutiny from regulatory bodies such as the Consumer Financial Protection Bureau (CFPB) could significantly impact the company's business model, operational practices, and profitability. Maintaining a robust compliance framework is essential in this heavily regulated environment.
    3. Interest Rate Risk: As a company that relies on borrowed capital to fund its loan portfolio, Regional Management Corp. is exposed to interest rate risk. While a notable portion of its debt is fixed-rate, increases in market interest rates, particularly concerning its variable-rate debt, can lead to higher financing costs. This rise in the cost of capital can compress profit margins if the company cannot adequately adjust its lending rates or if higher rates further strain its customers' repayment capacity.

    AI Analysis | Feedback

    • Buy Now, Pay Later (BNPL) Services: These services directly threaten Regional Management's retail loan segment, which finances purchases of furniture, appliances, and other retail products. BNPL providers offer consumers instant, often interest-free (if paid on time), short-term installment plans at the point of sale, both online and in physical stores. Their streamlined digital application processes and convenience appeal to a broad consumer base, offering a highly competitive alternative to traditional retail installment loans.
    • Digital-first Installment Lenders and Fintech Platforms: An increasing number of online-only lenders and financial technology companies are offering streamlined, fully digital application processes for installment loans. These platforms often leverage advanced analytics, artificial intelligence, and alternative data sources for faster underwriting and funding, potentially operating with lower overheads than Regional Management's branch-based model. They can offer competitive rates and convenience to the same customer segment of consumers with limited access to traditional credit, posing a threat to RM's core installment loan business.

    AI Analysis | Feedback

    ```html

    The addressable markets for Regional Management's main products and services in the U.S. are as follows:

    • Installment Loans (Small and Large):

      The U.S. unsecured loan market, which includes personal installment loans, reached a record high of $276 billion in combined balances, driven by demand from subprime customers (as of December of the latest year, likely 2025 based on the publication date of February 19, 2026). Approximately 26.4 million consumers held these loans. For subprime unsecured loans specifically, over 6.9 million were issued in Q3 2025, with 25% going to subprime borrowers (those with FICO scores below 620). The overall United States Loan Market was valued at USD 1123.45 billion in 2024 and is projected to reach USD 1872.45 billion by 2030, with a compound annual growth rate (CAGR) of 16.23%. North America held a 40.10% share of the global personal loans market, with a valuation of USD 172.44 billion in 2025 and USD 192.13 billion in 2026.

    • Retail Loans (Point-of-Sale Financing):

      Total U.S. outstanding balances originated through point-of-sale (POS) installment lending solutions were $94 billion in 2018 and were expected to exceed $110 billion in 2019. This segment more than doubled between 2015 and 2019. Smaller-ticket POS loans (less than $500) were estimated to be between $8 billion and $10 billion in 2019.

    • Insurance Products (Credit Life, Credit Accident and Health, Credit Property, Vehicle Single Interest, Credit Involuntary Unemployment Insurance, Collateral Protection Insurance, and Reinsurance):

      The U.S. trade credit insurance market size was valued at USD 2.02 billion in 2023 and is anticipated to grow to USD 4.07 billion by 2030, with a CAGR of 10.6% from 2024 to 2030. More broadly, the global credit insurance market, which includes various forms of credit protection, was valued at $19,449.5 million by the end of 2025 and is projected to reach $49,549.5 million by 2033. North America accounted for a 28.85% share of the global market in 2025, with the United States holding 21.70% of the global market share.

    ```

    AI Analysis | Feedback

    Regional Management Corp. (RM) anticipates several key drivers for its revenue growth over the next 2-3 years, as outlined in recent earnings reports, investor presentations, and analyst commentary:

    1. Branch and Geographic Expansion: Regional Management plans to continue expanding its physical footprint. The company opened 16 new branches since Q3 2024, contributing significantly to portfolio growth. Furthermore, it intends to open an additional 5 branches by the end of 2025 and 5-10 more in the first half of 2026, alongside plans to enter one to two new states in 2026. This strategy aims to capture market share in newer geographies.
    2. Growth in Auto-Secured Loans and Higher-Margin Small Loans: A significant focus for the company is the expansion of its auto-secured loan portfolio and higher-margin small loans. The auto-secured segment notably grew 42% year-over-year in 2025, becoming a larger component of the overall loan portfolio. This product diversification is expected to continue driving portfolio and revenue growth due to attractive risk-adjusted returns.
    3. Digital Origination Growth and Investments in AI/Data Analytics: Regional Management is investing in digital channels, data analytics, and artificial intelligence (AI) to enhance origination productivity, improve the servicing experience, and increase cost efficiency. Digital origination is highlighted as a key driver of performance, and these technological advancements are expected to improve underwriting, customer acquisition, and overall operating leverage.
    4. Bank Partnership Initiative: The company is developing a bank partnership model, which is expected to offer strategic benefits, including faster entry into new markets, greater product and operational uniformity across states, and the ability to broaden its product set and optimize risk-adjusted yields over time. This initiative aims to expand market access and product offerings.
    5. Overall Ending Net Receivables Growth: Management has provided guidance for at least 10% ending net receivables growth for the full year 2026. This sustained growth in its loan portfolio is a direct driver of future revenue, underpinned by strong origination activity across its various channels and healthy customer demand.

    AI Analysis | Feedback

    Share Repurchases

    • Regional Management Corp. announced a stock repurchase program on December 2, 2024, authorizing the repurchase of up to $30 million of its outstanding common stock through December 31, 2026.
    • Between October 1, 2025, and December 31, 2025, the company repurchased 196,999 shares for US$7.5 million.
    • As of February 20, 2026, Regional Management completed the repurchase of 806,775 shares for US$27.5 million under the December 2024 buyback program.

    Capital Expenditures

    • In the last 12 months (prior to February 2026), capital expenditures for Regional Management were -$4.76 million.
    • The company opened 17 new branches in 2025 as part of its growth strategy.
    • Regional Management is investing in digital and technological capabilities, including a new front-end branch origination platform, to support its omni-channel strategy and plans to advance digital and AI investments in 2026.

    Peer Outperformance in Consumer Finance

    RM has trailed 72% of its 29 Consumer Finance peers over 5Y. Among the peers that beat it are AXP, SYF and OMF. Consumer Finance ranks 10th of 18 industries in Financials by median 5Y return. The sector’s gains have largely come from elsewhere.
    Share of Consumer Finance constituents that RM has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    22%
    of 32 industry peers · -19.9% return
    3Y
    31%
    of 29 industry peers · 35.2% return
    5Y
    28%
    of 29 industry peers · -33.7% return
    Consumer Finance peers with revenue growth within 4pp of RM's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    RM Regional Management 7.1% 6.3x -19.9%35.2%-33.7% —
    AXP American Express 10.0% 19.2x 0.9%111.3%113.7% +147pp
    SYF Synchrony Financial 6.7% 7.2x 2.5%154.0%74.4% +108pp
    OMF OneMain 6.8% 9.3x 11.2%97.3%68.1% +102pp
    NNI Nelnet 9.0% 15.1x 3.8%42.3%67.7% +101pp
    SLM SLM 4.0% 6.7x -5.4%98.3%61.7% +95pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Consumer Finance is RM's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Investment Banking & Brokerage 13 4.4%115.9%133.5% IBKR 504% · SNEX 259% · GS 184%
    Reinsurance 6 18.8%75.0%128.6% SPNT 164% · RGA 139% · RNR 130%
    Diversified Banks 12 37.8%130.5%117.6% JPM 153% · CM 150% · RY 141%
    Life & Health Insurance 20 8.2%55.1%98.8% JXN 535% · UNM 318% · FG 203%
    Multi-Sector Holdings 4 3.5%56.7%80.3% JONE 361% · BRK-B 82% · VOYA 78%
    Regional Banks 265 26.8%88.4%67.0% GCBC 365% · ESQ 361% · VBNK 332%
    Property & Casualty Insurance 42 9.4%71.1%65.5% ASIC 2746900% · HRTG 461% · UVE 304%
    Multi-line Insurance 9 8.9%79.6%60.7% GNW 185% · L 105% · SLF 90%
    Financial Exchanges & Data 15 -6.5%13.6%30.1% VIRT 207% · CBOE 141% · CME 80%
    Consumer Finance ← 30 5.7%90.3%29.6% ENVA 588% · EZPW 373% · FCFS 176%
    Diversified Financial Services 4 0.9%12.2%22.0% FRHC 171% · EQH 102% · TMS -58%
    Insurance Brokers 16 -17.9%-3.4%18.7% LIFE 340% · ARX 89% · AJG 75%
    Asset Management & Custody Banks 83 -10.8%14.5%13.3% WT 326% · SII 288% · VCTR 281%
    Commercial & Residential Mortgage Finance 12 -48.2%30.3%1.8% FNMA 468% · FMCC 441% · ESNT 65%
    Specialized Finance 3 27.4%41.6%-1.5% EFC 30% · CACC -1% · HASI -15%
    Mortgage REITs 33 -13.2%9.8%-14.7% NREF 52% · RITM 47% · DX 36%
    Diversified Capital Markets 21 -33.6%5.8%-35.8% BTCS 569% · OPY 212% · LPLA 150%
    Transaction & Payment Processing Services 15 2.2%-8.2%-43.1% V 71% · MA 69% · CPAY 57%
    Median of constituents with a full price history over each window. Top names are unfiltered by size in this render.

    Recent Active Movers

    Top Gainers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    ACVAACV Auctions1.855.4%29.8%
    FEIMFrequency Electronics0.947.6%64.1%
    SEISolaris Energy Infrastructure4.026.8%47.3%
    ASOAcademy Sports and Outdoors3.626.7%11.5%
    MXLMaxLinear6.725.4%327.8%
    AEHRAehr Test Systems3.024.2%369.0%
    COHUCohu2.724.1%145.3%
    SWKSSkyworks Solutions13.323.6%42.2%
    SMTCSemtech15.523.5%127.0%
    SIGSignet Jewelers4.022.2%22.3%

    Top Losers

    TickerCompanyMkt Cap (B)1W RtnYTD Rtn
    TTANServiceTitan5.2-41.3%-48.7%
    ADBTAdvasa0.1-32.4%-96.3%
    GWREGuidewire Software11.9-30.5%-29.9%
    BRZEBraze2.7-28.0%-30.2%
    DYNDyne Therapeutics3.0-27.0%-6.9%
    SGMLSigma Lithium1.1-25.6%-28.0%
    TBBKBancorp2.1-25.3%-25.0%
    PATHUiPath7.2-24.5%-16.1%
    NAVNNavan5.3-24.1%23.1%
    COOCooper Companies10.5-23.7%-34.2%

    Top Gainers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    MRNAModerna57.3126.1%388.2%
    CAPRCapricor Therapeutics0.599.8%-71.0%
    PURRHyperliquid Strategies1.472.0%226.1%
    HTFLHeartFlow4.367.1%71.1%
    AVAHAveanna Healthcare3.155.6%72.3%
    BTGOBitGo0.953.3%-58.6%
    FWDIForward Industries0.648.9%-0.9%
    ANGXAngel Studios1.048.1%16.7%
    WEAVWeave Communications0.645.9%-3.7%
    ARXAccelerant4.345.8%21.3%

    Top Losers

    TickerCompanyMkt Cap (B)1M RtnYTD Rtn
    ALMSAlumis1.2-64.1%-5.9%
    RAREUltragenyx Pharmaceutical1.5-46.8%-37.8%
    IESCIES13.8-43.6%-11.1%
    KRMNKarman4.7-43.0%-51.8%
    TTANServiceTitan5.2-40.6%-48.7%
    CRDOCredo Technology30.1-39.2%13.2%
    AEVAAeva Technologies1.0-38.3%16.9%
    EVCMEverCommerce1.1-36.7%-47.9%
    AADXApplied Aerospace & Defense1.8-36.2%-35.8%
    BLZEBackblaze0.8-35.9%166.1%

    More From Trefis

    Research & Analysis

    Invest in Strategies

    Wealth Management

    Peer Comparisons

    Peers to compare with:

    Financials

    RMWRLDCACCEZPWSLMNNIMedian
    NameRegional.World Ac.Credit A.EZCORP SLM Nelnet  
    Mkt Price32.99190.75604.2432.4726.04126.6979.84
    Mkt Cap0.30.96.32.04.94.63.3
    Rev LTM5805412,3071,5841,9611,4361,510
    Op Inc LTM--709220--465
    FCF LTM3112601,221138-325364286
    FCF 3Y Avg2752571,155102-342450266
    CFO LTM3292661,225182-325401297
    CFO 3Y Avg2912611,158140-342490276

    Growth & Margins

    RMWRLDCACCEZPWSLMNNIMedian
    NameRegional.World Ac.Credit A.EZCORP SLM Nelnet  
    Rev Chg LTM9.0%3.0%3.0%28.6%11.5%18.7%10.2%
    Rev Chg 3Y Avg7.1%-0.3%8.0%16.4%4.0%9.0%7.5%
    Rev Chg Q5.8%3.8%1.1%34.7%-0.6%20.2%4.8%
    QoQ Delta Rev Chg LTM1.4%0.9%0.3%7.3%-0.1%4.5%1.1%
    Op Inc Chg LTM--34.6%59.0%--46.8%
    Op Inc Chg 3Y Avg--36.0%35.8%--35.9%
    Op Mgn LTM--30.7%13.9%--22.3%
    Op Mgn 3Y Avg--22.2%11.4%--16.8%
    QoQ Delta Op Mgn LTM--2.3%0.3%--1.3%
    CFO/Rev LTM56.6%49.1%53.1%11.5%-16.6%27.9%38.5%
    CFO/Rev 3Y Avg54.1%49.5%53.3%10.5%-18.3%40.5%45.0%
    FCF/Rev LTM53.6%48.1%52.9%8.7%-16.6%25.3%36.7%
    FCF/Rev 3Y Avg51.1%48.6%53.2%7.6%-18.3%37.2%42.9%

    Valuation

    RMWRLDCACCEZPWSLMNNIMedian
    NameRegional.World Ac.Credit A.EZCORP SLM Nelnet  
    Mkt Cap0.30.96.32.04.94.63.3
    P/S0.51.62.71.32.53.22.0
    P/Op Inc--8.99.1--9.0
    P/EBIT--8.98.1--8.5
    P/E6.321.812.612.66.715.112.6
    P/CFO0.93.25.211.0-15.111.44.2
    Total Yield19.7%4.6%7.9%7.9%17.1%7.6%7.9%
    Dividend Yield3.9%0.0%0.0%0.0%2.1%1.0%0.5%
    FCF Yield 3Y Avg89.9%30.9%18.4%10.1%-6.4%10.7%14.5%
    D/E5.80.81.00.41.21.51.1
    Net D/E5.80.71.00.30.01.20.9

    Returns

    RMWRLDCACCEZPWSLMNNIMedian
    NameRegional.World Ac.Credit A.EZCORP SLM Nelnet  
    1M Rtn1.8%1.6%3.7%13.3%-5.7%-0.2%1.7%
    3M Rtn-10.6%6.9%10.2%3.9%16.9%-2.5%5.4%
    6M Rtn8.7%42.6%34.9%25.5%33.4%-1.9%29.4%
    12M Rtn-19.9%15.5%27.4%90.6%-5.4%3.8%9.6%
    3Y Rtn35.2%41.0%19.5%305.4%98.3%42.3%41.6%
    1M Excs Rtn4.6%1.8%5.9%13.5%-5.3%1.7%3.2%
    3M Excs Rtn-13.2%4.2%6.5%2.0%14.6%-4.8%3.1%
    6M Excs Rtn-8.0%25.4%7.6%10.2%14.4%-16.8%8.9%
    12M Excs Rtn-36.1%-2.4%-0.2%76.2%-24.8%-12.9%-7.6%
    3Y Excs Rtn-35.4%-23.1%-50.6%223.5%22.4%-28.7%-25.9%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date7/31/20265/1/20262/20/202611/6/20258/1/20255/2/20252/21/202511/8/20248/2/20245/3/20242/22/202411/3/2023
    Key Financials Quarterly            
    Total Revenue145144147144137133135127125127124124
    Net Income8111314107108815-89
    EPS0.911.241.401.531.070.731.020.790.881.59-0.800.94
    Key Financials TTM            
    Total Revenue TTM580572561549532520514503500492484477
    Net Income TTM474944413533412425221626
    Growth Rates Quarterly            
    Total Revenue Growth5.8%8.4%8.9%13.0%9.5%5.0%8.8%2.5%6.7%6.9%6.0%3.6%
    Net Income Growth-19.6%62.7%30.2%87.3%20.1%-53.9%230.9%-13.1%40.2%75.0%-416.8%-12.4%
    Margins Quarterly            
    Net Income Margin5.6%7.9%8.8%10.0%7.4%5.3%7.3%6.0%6.7%12.0%-6.1%7.1%
    Cash & Debt            
    Total Cash754444454457
    Total Debt1,7181,6611,6881,6171,5471,5131,5131,4311,4101,3911,4321,404
    Net Debt / (Cash)1,7111,6561,6841,6131,5431,5091,5091,4261,4061,3861,4271,397
    Cash Flows Quarterly            
    FCF from Operations818180877964647571586768
    Cash Flows TTM            
    FCF from Operations TTM329326309293281274269272264255249242
    Returns to Shareholders Quarterly            
    Dividends333333333333
    Share Repurchases5885564-0-0-0-0-0
    Return on Invested Capital (ROIC) Quarterly            
    ROIC1.9%2.8%3.1%3.6%2.6%1.9%2.6%2.1%2.4%4.4%-2.1%2.5%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM2.7%2.9%2.6%2.6%2.3%2.2%2.7%1.7%1.8%1.6%1.1%1.9%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Consumer finance646589551473397
    Total646589551473397


    Price Behavior

    Price Behavior
    Market Price$32.99 
    Market Cap ($ Bil)0.3 
    First Trading Date03/28/2012 
    Distance from 52W High-25.0% 
       50 Days200 Days
    DMA Price$36.25$35.75
    DMA Trenddowndown
    Distance from DMA-9.0%-7.7%
     3M1YR
    Volatility60.5%46.3%
    Downside Capture18.05133.93
    Upside Capture-39.5382.98
    Correlation (SPY)-13.4%25.3%
    RM Betas & Captures as of 8/31/2026

     1M2M3M6M1Y3Y
    Beta0.79-0.77-0.480.450.921.04
    Up Beta1.60-4.02-1.91-0.240.451.08
    Down Beta-2.070.50-0.170.270.931.06
    Up Capture52%-87%-39%62%68%85%
    Bmk +ve Days10213268138427
    Stock +ve Days11203370129392
    Down Capture82%138%16%84%123%102%
    Bmk -ve Days11213259113324
    Stock -ve Days10223055118352

    [1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
    Based On 1-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with RM
    RM-18.9%46.2%-0.30-
    Sector ETF (XLF)9.0%14.6%0.3743.6%
    Equity (SPY)18.3%12.8%1.0325.6%
    Gold (GLD)19.0%29.2%0.59-0.3%
    Commodities (DBC)48.3%20.6%1.80-17.0%
    Real Estate (VNQ)7.6%13.6%0.2929.7%
    Bitcoin (BTCUSD)-32.4%43.8%-0.7729.0%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with RM
    RM-7.4%42.7%-0.05-
    Sector ETF (XLF)10.2%18.4%0.4249.1%
    Equity (SPY)12.5%17.2%0.5541.8%
    Gold (GLD)18.7%18.8%0.814.1%
    Commodities (DBC)11.4%19.5%0.465.0%
    Real Estate (VNQ)0.7%18.9%-0.0738.3%
    Bitcoin (BTCUSD)9.4%52.6%0.3621.9%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with RM
    RM6.5%46.2%0.31-
    Sector ETF (XLF)13.2%22.1%0.5450.7%
    Equity (SPY)15.2%17.9%0.7243.4%
    Gold (GLD)12.3%16.3%0.624.7%
    Commodities (DBC)8.7%18.1%0.3914.6%
    Real Estate (VNQ)4.7%20.7%0.1940.4%
    Bitcoin (BTCUSD)63.2%66.2%1.0314.5%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date8312026
    Short Interest: Shares Quantity0.3 Mil
    Short Interest: % Change Since 8152026-10.7%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest3.4 days
    Basic Shares Quantity9.0 Mil
    Short % of Basic Shares3.8%

    Earnings Returns History

    Updated 8/31/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/2026-23.8%-23.3%-22.2%
    4/29/2026-3.0%-9.2%-3.7%
    2/4/2026-14.6%-15.8%-19.4%
    11/5/2025-10.1%-3.9%-10.2%
    7/30/20256.8%10.4%40.2%
    4/30/2025-16.2%-12.9%-18.8%
    2/5/2025-2.1%-3.7%-13.5%
    11/6/2024-6.3%-9.8%2.2%
    ...
    SUMMARY STATS   
    # Positive121013
    # Negative131512
    Median Positive4.1%9.2%8.4%
    Median Negative-6.4%-9.2%-13.9%
    Max Positive10.9%30.5%40.2%
    Max Negative-23.8%-23.3%-23.7%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    7/29/2026-23.8%-23.3%-22.2%
    4/29/2026-3.0%-9.2%-3.7%
    2/4/2026-14.6%-15.8%-19.4%
    11/5/2025-10.1%-3.9%-10.2%
    7/30/20256.8%10.4%40.2%
    4/30/2025-16.2%-12.9%-18.8%
    2/5/2025-2.1%-3.7%-13.5%
    11/6/2024-6.3%-9.8%2.2%
    7/31/2024-5.5%-9.3%2.9%
    5/1/20248.0%17.5%9.9%
    2/7/2024-1.2%-6.0%3.0%
    11/1/2023-10.5%-12.6%-6.1%
    8/2/20232.0%-5.2%-13.5%
    5/3/20233.5%1.5%8.4%
    2/8/2023-6.4%-7.5%-23.7%
    11/1/2022-14.6%-12.6%-11.2%
    8/3/2022-0.3%-5.9%-19.7%
    5/4/20221.8%-8.6%0.1%
    2/9/20223.6%3.7%-14.3%
    11/2/202110.5%13.8%6.3%
    8/3/202110.9%8.1%9.6%
    5/4/202110.1%11.7%23.7%
    2/10/20214.6%1.2%17.6%
    10/29/20202.0%30.5%35.3%
    8/5/20200.2%4.2%8.4%
    SUMMARY STATS   
    # Positive121013
    # Negative131512
    Median Positive4.1%9.2%8.4%
    Median Negative-6.4%-9.2%-13.9%
    Max Positive10.9%30.5%40.2%
    Max Negative-23.8%-23.3%-23.7%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/20/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/01/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/21/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202302/22/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/04/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202607/31/202610-Q
    03/31/202605/01/202610-Q
    12/31/202502/20/202610-K
    09/30/202511/06/202510-Q
    06/30/202508/01/202510-Q
    03/31/202505/02/202510-Q
    12/31/202402/21/202510-K
    09/30/202411/08/202410-Q
    06/30/202408/02/202410-Q
    03/31/202405/03/202410-Q
    12/31/202302/22/202410-K
    09/30/202311/03/202310-Q
    06/30/202308/04/202310-Q
    03/31/202305/05/202310-Q
    12/31/202202/24/202310-K
    09/30/202211/04/202210-Q
    06/30/202208/05/202210-Q
    03/31/202205/06/202210-Q
    12/31/202103/04/202210-K
    09/30/202111/04/202110-Q
    06/30/202108/03/202110-Q
    03/31/202105/06/202110-Q
    12/31/202002/25/202110-K
    09/30/202011/05/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/16/202010-K
    09/30/201911/06/201910-Q

    Insider Activity

    Updated 9/3/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Basswood, Capital Management, Llc See footnotesSell903202631.651,15936,682731,685Form
    2Atwood, Catherine RSVP and General CounselDirectSell826202635.002007,0001,942,745Form
    3Lamba, Lakhbir SPresident and CEODirectBuy813202631.763,500111,1601,770,112Form
    4Lamba, Lakhbir SPresident and CEODirectBuy813202631.596,500205,3351,650,072Form
    5Barnette, Steven BVP, Chief Accounting OfficerDirectSell714202643.303,274141,764583,338Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Basswood, Capital Management, Llc See footnotesSell903202631.651,15936,682731,685Form
    2Atwood, Catherine RSVP and General CounselDirectSell826202635.002007,0001,942,745Form
    3Lamba, Lakhbir SPresident and CEODirectBuy813202631.763,500111,1601,770,112Form
    4Lamba, Lakhbir SPresident and CEODirectBuy813202631.596,500205,3351,650,072Form
    5Barnette, Steven BVP, Chief Accounting OfficerDirectSell714202643.303,274141,764583,338Form
    6Barnette, Steven BVP, Chief Accounting OfficerDirectSell702202642.041,60067,264704,002Form
    7Johnson, Sandra K DirectSell527202636.001,00036,000789,588Form
    8Atwood, Catherine RSVP and General CounselDirectSell511202635.063,000105,1801,435,427Form
    9Forager, Fund, LPDirectSell430202638.502,916112,26636,515,633Form
    10Forager, Fund, LPDirectSell430202639.592,10183,17937,664,897Form
    11Barnette, Steven BVP, Chief Accounting OfficerDirectSell420202640.001,60064,000733,840Form
    12Forager, Fund, LPDirectSell416202638.4812,827493,58337,765,657Form
    13Rana, HarpreetEVP, Chief Fin & Admin OfficerDirectSell416202638.0914,978570,5121,200,749Form
    14Fisher, Brian JEVP, Chief Strat/Dev OfficerDirectSell416202638.095,457207,8571,056,807Form
    15Forager, Fund, LPDirectSell416202638.0617,602669,93237,841,650Form
    16Rana, HarpreetEVP, Chief Fin & Admin OfficerDirectSell416202638.063,009114,5231,769,866Form
    17Fisher, Brian JEVP, Chief Strat/Dev OfficerDirectSell416202638.073,000114,2101,264,000Form
    18Forager, Fund, LPDirectSell416202638.027,398281,27238,471,107Form
    19Campos, Roel C DirectBuy408202632.0795330,5633,692,989Form
    20Basswood, Capital Management, Llc See footnotesSell224202634.052,62889,483167,117Form
    21Basswood, Capital Management, Llc See footnotesSell224202634.513,201110,46714,732,871Form
    22Basswood, Capital Management, Llc See footnotesSell224202634.513,215110,950170,134Form
    23Atwood, Catherine RSVP and General CounselDirectSell218202635.022,60091,0521,538,849Form
    24Atwood, Catherine RSVP and General CounselDirectSell218202635.0440014,0161,630,832Form
    25Forager, Fund, LPDirectSell114202638.6280931,24439,363,937Form
    26Forager, Fund, LPDirectSell114202639.2550019,62540,037,826Form
    27Forager, Fund, LPDirectSell106202638.887,576294,55541,241,066Form
    28Forager, Fund, LPDirectSell106202640.098,827353,87442,828,267Form
    29Forager, Fund, LPDirectSell106202638.937,968310,19441,932,671Form
    30Basswood, Capital Management, Llc See footnotesSell1211202537.8050,7781,919,408188,395Form
    31Basswood, Capital Management, Llc See footnotesSell1211202536.687,828287,13110,322,412Form
    32Basswood, Capital Management, Llc See footnotesSell1211202536.683,229118,440194,404Form
    33Dunn, Michael R DirectSell1204202537.465,580209,0273,862,463Form
    34Dunn, Michael R DirectSell1204202537.444,420165,4854,069,316Form
    35Basswood, Capital Management, Llc See footnotesSell1201202537.591,90271,496204,414Form
    36Basswood, Capital Management, Llc See footnotesSell1201202539.5374029,25218,040,306Form
    37Basswood, Capital Management, Llc See footnotesSell1201202539.531,16245,934215,557Form
    38Basswood, Capital Management, Llc See footnotesSell1125202537.4830,5161,143,740204,903Form
    39Basswood, Capital Management, Llc See footnotesSell1125202536.8921,308786,052210,310Form
    40Barnette, Steven BVP, Chief Accounting OfficerDirectSell1125202537.001,64060,680789,506Form
    41Basswood, Capital Management, Llc See footnotesSell1125202537.0534,8101,289,71017,566,998Form
    42Basswood, Capital Management, Llc See footnotesSell1125202537.0510,905404,030218,743Form
    43Fisher, Brian JEVP, Chief Strat/Dev OfficerDirectSell1113202538.778,140315,5981,606,991Form
    44Fisher, Brian JEVP, Chief Strat/Dev OfficerDirectSell1113202538.245,500210,3201,896,245Form
    45Parmar, ManishEVP, Chief Credit Risk OfficerDirectSell903202543.891,26455,4772,588,062Form

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