Regional Management (RM) Stock Price, News & Analysis

Company Overview

Regional Management Corp (NYSE:RM) is a consumer finance company specializing in providing small-dollar unsecured installment loans and revolving lines of credit to underserved borrowers. The company focuses on customers who may have limited access to traditional credit markets, offering tailored lending solutions intended to help individuals manage cash flows and build credit histories. By combining in-branch underwriting with centralized credit and collections capabilities, Regional Management aims to deliver efficient loan decisions and personalized service.

Regional Management’s product portfolio includes fixed-term installment loans, optional single-payment loans, and open-end lines of credit. Loan terms typically range from three to 36 months, depending on customer needs and state regulations. In addition to core lending products, the company provides online and mobile account management tools, payment reminders and financial education resources designed to support responsible borrowing and foster long-term customer relationships.

The company operates through a network of more than 150 branch locations and a growing digital platform, serving communities across the Southeastern and Southwestern United States. Key markets include Alabama, Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas and select Western states. This geographic diversification allows Regional Management to balance regional economic trends and adapt its product offerings to local regulatory environments and customer preferences.

Founded in 1970 and headquartered in Greenville, South Carolina, Regional Management went public in 2013 and is governed by an experienced leadership team led by President and CEO Michael Price. The board and senior management bring extensive backgrounds in consumer lending, risk management and digital innovation. With a strategic focus on technology-enabled underwriting and customer service excellence, Regional Management continues to pursue growth opportunities while emphasizing responsible lending practices and community engagement initiatives.

Key Stats

• Today's Range: $32.42 to $33.22
• 50-Day Range: $26.31 to $33.34
• 52-Week Range: $25.41 to $37.52
• Volume: 14,510 shs
• Average Volume: 38,342 shs
• Market Capitalization: $322.98 million
• P/E Ratio: 9.86
• Dividend Yield: 3.69%
• Price Target: $34.00
• Consensus Rating: Moderate Buy

Regional Management Stock Analysis - MarketRank™

Regional Management scored higher than 85% of companies evaluated by MarketBeat, and ranked 206th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Regional Management has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Regional Management has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 38.51%

Earnings Growth

Earnings for Regional Management are expected to grow by 38.51% in the coming year, from $4.70 to $6.51 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Regional Management is 9.94, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Regional Management is 9.94, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.03.

Price to Book Value per Share Ratio

Regional Management has a P/B Ratio of 0.93. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

2.56% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 4.9.

Change versus previous month

Short interest in Regional Management has recently increased by 12.51%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

Regional Management is a leading dividend payer. It pays a dividend yield of 3.64%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Regional Management does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Regional Management is 36.36%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Regional Management will have a dividend payout ratio of 18.43% next year. This indicates that Regional Management will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 0.0 / 5
• Environmental Score: -0.21

Percentage of Shares Shorted

2.56% of the float of Regional Management has been sold short.

Short Interest Ratio / Days to Cover

Regional Management has a short interest ratio ("days to cover") of 4.9.

Change versus previous month

Short interest in Regional Management has recently increased by 12.51%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: N/A

News Sentiment

Regional Management has a news sentiment score of 0.45. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Regional Management this week, compared to 2 articles on an average week.

Search Interest

1 people have searched for RM on MarketBeat in the last 30 days.

MarketBeat Follows

Only 1 people have added Regional Management to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Regional Management insiders have bought 330.87% more of their company's stock than they have sold. Specifically, they have bought $1,022,745.00 in company stock and sold $237,369.00 in company stock.

Percentage Held by Insiders

10.80% of the stock of Regional Management is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

98.89% of the stock of Regional Management is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

RM Stock Analysis - Frequently Asked Questions

How have RM shares performed this year?

Regional Management's stock was trading at $33.98 at the start of the year. Since then, RM stock has decreased by 3.4% and is now trading at $32.8150.

How were Regional Management's earnings last quarter?

Regional Management Corp. (NYSE:RM) announced its quarterly earnings data on Wednesday, April, 30th. The credit services provider reported $0.70 EPS for the quarter, topping analysts' consensus estimates of $0.67 by $0.03. The credit services provider had revenue of $152.97 million for the quarter, compared to analysts' expectations of $153.59 million. Regional Management had a net margin of 5.53% and a trailing twelve-month return on equity of 10.57%.
Read the conference call transcript.

How do I buy shares of Regional Management?

Shares of RM stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Regional Management own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Regional Management investors own include Tesla (TSLA), NVIDIA (NVDA), Meta Platforms (META), JPMorgan Chase & Co. (JPM), Advanced Micro Devices (AMD), Netflix (NFLX) and Home Depot (HD).

Company Calendar

• Last Earnings: 4/30/2025
• Record date for 6/11 Dividend: 5/21/2025
• Ex-Dividend for 6/11 Dividend: 5/21/2025
• Dividend Payable: 6/11/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/30/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: FIN - CONS LOANS
• Sub-Industry: Consumer Finance
• Current Symbol: NYSE:RM
• CIK: 1519401
• Web: www.regionalmanagement.com
• Phone: (864) 448-7000
• Fax: 864-422-8035
• Employees: 2,131
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Regional Management: $34.00
• High Price Target: $38.00
• Low Price Target: $30.00
• Potential Upside/Downside: +3.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.30
• Trailing P/E Ratio: 9.96
• Forward P/E Ratio: 6.99
• P/E Growth: N/A
• Net Income: $41.23 million
• Net Margins: 5.53%
• Pretax Margin: 7.25%
• Return on Equity: 10.57%
• Return on Assets: 2.01%

Debt

• Debt-to-Equity Ratio: 4.11
• Current Ratio: 45.13
• Quick Ratio: 45.13

Sales & Book Value

• Annual Sales: $520.37 million
• Price / Sales: 0.63
• Cash Flow: $4.31 per share
• Price / Cash Flow: 7.63
• Book Value: $35.13 per share
• Price / Book: 0.94

Miscellaneous

• Outstanding Shares: 9,921,000
• Free Float: 8,850,000
• Market Cap: $325.95 million
• Optionable: Optionable
• Beta: 1.18