Regional Management Corp. Releases 2025 Annual Report: Key Details for Investors

Overview

Regional Management Corp. (“Regional” or the “Company”), a personal credit institution based in Greer, South Carolina, has filed its Annual Report (Form 10-K) for the fiscal year ended December 31, 2025. The report provides a comprehensive review of the Company’s financial and operational performance, governance, and regulatory matters. Below, we highlight the most important information and developments that shareholders and investors should be aware of.

Key Financial Highlights

• Common Stock and Exchange Listing: Regional Management Corp.’s common stock (\$0.10 par value) trades on the New York Stock Exchange under the ticker “RM”.
• Market Capitalization: As of June 30, 2025 (the last business day of the Company’s most recently completed second fiscal quarter), the aggregate market value of common stock held by non-affiliates was approximately \$235.4 million, based on the NYSE closing price.
• Shares Outstanding: As of February 17, 2026, the Company had 9,396,929 shares of common stock outstanding.

Filing Status and Compliance

• SEC Reporting: Regional Management Corp. is compliant with all SEC filing requirements. The Company is not a well-known seasoned issuer, a voluntary filer, a shell company, an emerging growth company, or a smaller reporting company.
• Sarbanes-Oxley Act: The Company’s management has filed a report on, and the registered public accounting firm has attested to, the effectiveness of its internal control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act.
• No Restatements: The report confirms that there were no corrections of errors or restatements requiring recovery analysis of incentive-based compensation for executive officers.

Regulatory and Legal Updates

• CFPB Consent Agreement: A key regulatory matter is the Consent Agreement entered with the Consumer Financial Protection Bureau (CFPB) dated January 4, 2024. This agreement could have potential impacts on the Company’s operations, compliance costs, and reputation. Shareholders should monitor ongoing compliance and any future disclosures regarding this agreement.

Corporate Governance and Documentation

• Annual Meeting Proxy Statement: Certain information required by Part III of the 10-K is incorporated by reference from the upcoming 2026 Annual Meeting Proxy Statement, expected to be filed within 120 days post fiscal year-end.
• Board of Directors and Bylaws: The Company operates under a Board of Directors and has adopted a Code of Business Conduct and Ethics. The Company’s bylaws and governance documents are in place and up-to-date.

Operational and Financial Definitions

The report provides a detailed glossary of key terms, including:

• Delinquency Rate: Defined as delinquent loans outstanding as a percentage of ending net finance receivables.
• Funded Debt-to-Equity Ratio: Debt divided by total stockholders’ equity.
• Interest and Fee Yield: Annualized interest and fee income as a percentage of average net finance receivables.
• Issuance Trust: The Company’s indirect SPE for private offerings and sales of asset-backed notes.
• FASB/GAAP: The Company follows U.S. Generally Accepted Accounting Principles as set forth by the Financial Accounting Standards Board.

Potential Shareholder Impact & Price Sensitive Information

• CFPB Consent Agreement: The regulatory oversight and ongoing obligations under the CFPB Consent Agreement may affect future profitability, compliance costs, and strategic flexibility. Investors should closely watch management commentary and future filings for updates.
• Stable Filing and Reporting Status: The Company’s continued compliance with all SEC reporting obligations and lack of restatements or internal control deficiencies contribute to operational stability and may support investor confidence.
• Market Capitalization and Outstanding Shares: The current market value and number of outstanding shares provide a basis for valuation and may influence investor sentiment, especially in the context of future buybacks, capital raises, or dividend policies.

Other Noteworthy Items

• No Indication of Major Financial Errors or Restatements: The absence of errors or restatements in the financial statements, as well as the effective internal controls, are positive signals for investors concerned about the reliability of reported results.
• Full Table of Contents Provided: The 10-K outlines a comprehensive set of disclosures including risk factors, management’s discussion and analysis, controls, executive compensation, principal accounting fees, and more—offering full transparency for due diligence.

Conclusion

The 2025 Annual Report for Regional Management Corp. presents a picture of a company in compliance with regulatory and reporting requirements, with no recent restatements or financial irregularities, and ongoing regulatory oversight from the CFPB. The most price-sensitive issue is the CFPB Consent Agreement, which may affect future compliance costs and operational flexibility. Investors are advised to monitor further disclosures and management’s commentary on this matter.

Disclaimer: This article is a summary and analysis of Regional Management Corp.’s 2025 Annual Report and is intended for informational purposes only. It does not constitute investment advice. Investors should review the full SEC filing and consult their financial advisor before making investment decisions.

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