Regional Management Corp. is a diversified consumer finance company. The Company provides an array of loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies and other traditional lenders. Its products include small loans, large loans, automobile loans, retail loans, and optional payment and collateral protection insurance products. It offers small loans ranging from $500 to $2,500, through its branches. It offers large installment loans with cash proceeds to the customer ranging from $2,501 to $20,000. As of December 31, 2016, automobile loans were offered in amounts up to $27,500. As of December 31, 2016, retail loans were indirect installment loans structured as retail installment sales contracts that were offered in amounts of up to $7,500. Optional Payment and Collateral Protection Insurance Products offer customers a number of optional payment and collateral protection insurance products.
Industry, Sector and Symbol:
- Sector: Finance
- Industry: Consumer Lending
- Sub-Industry: Consumer Finance
- Symbol: NYSE:RM
- CUSIP: 75902K10
- Web: www.regionalmanagement.com
Capitalization:- Market Cap: $277.78 million
- Outstanding Shares: 11,652,000
Average Prices:- 50 Day Moving Avg: $22.66
- 200 Day Moving Avg: $21.68
- 52 Week Range: $18.31 - $27.56
P/E:- Trailing P/E Ratio: 10.47
- Foreward P/E Ratio: 8.70
- P/E Growth: 0.41
Sales & Book Value:- Annual Revenue: $246.92 million
- Price / Sales: 1.12
- Book Value: $18.99 per share
- Price / Book: 1.26
Profitability:- EBIDTA: $68.46 million
- Net Margins: 10.37%
- Return on Equity: 12.98%
- Return on Assets: 3.88%
Debt:- Debt-to-Equity Ratio: 2.22%
- Current Ratio: 47.72%
- Quick Ratio: 47.72%
Misc:- Average Volume: 58,723 shs.
- Beta: 1.36
Frequently Asked Questions for Regional Management Corp. (NYSE:RM)
What is Regional Management Corp.'s stock symbol?
Regional Management Corp. trades on the New York Stock Exchange (NYSE) under the ticker symbol "RM."
How were Regional Management Corp.'s earnings last quarter?
Regional Management Corp. (NYSE:RM) posted its quarterly earnings results on Tuesday, August, 1st. The company reported $0.55 earnings per share for the quarter, beating analysts' consensus estimates of $0.49 by $0.06. The company had revenue of $65.34 million for the quarter, compared to the consensus estimate of $65 million. Regional Management Corp. had a net margin of 10.37% and a return on equity of 12.98%. The firm's quarterly revenue was up 14.0% compared to the same quarter last year. During the same period last year, the company posted $0.49 EPS. View Regional Management Corp.'s Earnings History.
When will Regional Management Corp. make its next earnings announcement?
Where is Regional Management Corp.'s stock going? Where will Regional Management Corp.'s stock price be in 2017?
6 analysts have issued 12-month price targets for Regional Management Corp.'s stock. Their predictions range from $25.00 to $28.00. On average, they expect Regional Management Corp.'s stock price to reach $25.83 in the next twelve months. View Analyst Ratings for Regional Management Corp..
Who are some of Regional Management Corp.'s key competitors?
Some companies that are related to Regional Management Corp. include Mercantile Bank Corporation (MBWM), AG Mortgage Investment Trust (MITT), People's Utah Bancorp (PUB), PennantPark Investment Corporation (PNNT), BlackRock Capital Investment Corporation (BKCC), Heritage Commerce Corp (HTBK), Republic First Bancorp (FRBK), Blue Hills Bancorp (BHBK), Cowen Group (COWN), First Defiance Financial Corp. (FDEF), UMH Properties (UMH), Sutherland Asset Management Corp. (SLD), EZCORP (EZPW), Ellington Financial LLC (EFC), Southwest Bancorp (OKSB), Whitestone REIT (WSR), NexPoint Residential Trust (NXRT) and Arbor Realty Trust (ABR).
Who are Regional Management Corp.'s key executives?
Regional Management Corp.'s management team includes the folowing people:
- Michael R. Dunn, Executive Chairman of the Board
- Peter R. Knitzer, President, Chief Executive Officer, Director
- Donald E. Thomas, Chief Financial Officer, Executive Vice President
- John D. Schachtel, Chief Operating Officer, Executive Vice President
- Daniel J. Taggart, Senior Vice President, Chief Risk Officer
- Brian J. Fisher, Vice President, General Counsel, Secretary
- C. Glynn Quattlebaum, Vice Chairman of the Board
- Alvaro G. de Molina, Lead Independent Director
- Roel C. Campos J.D., Independent Director
- Steven J. Freiberg, Independent Director
Who owns Regional Management Corp. stock?
Regional Management Corp.'s stock is owned by many different of institutional and retail investors. Top institutional investors include
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
(11.47%), Dimensional Fund Advisors LP (6.83%), Vanguard Group Inc. (5.97%), LSV Asset Management (5.65%), Numeric Investors LLC (3.58%) and Tieton Capital Management LLC (2.27%). Company insiders that own Regional Management Corp. stock include Alvaro G Demolina, Brian J Fisher, Glen Capital Partners Focus Fu, Michael R Dunn and Peter R Knitzer. View Institutional Ownership Trends for Regional Management Corp..
Who sold Regional Management Corp. stock? Who is selling Regional Management Corp. stock?
Regional Management Corp.'s stock was sold by a variety of institutional investors in the last quarter, including Schwab Charles Investment Management Inc., New York State Common Retirement Fund, Wells Fargo & Company MN, Numeric Investors LLC, Chicago Equity Partners LLC, Tieton Capital Management LLC, Spark Investment Management LLC and California State Teachers Retirement System. View Insider Buying and Selling for Regional Management Corp..
Who bought Regional Management Corp. stock? Who is buying Regional Management Corp. stock?
Regional Management Corp.'s stock was purchased by a variety of institutional investors in the last quarter, including AJO LP, Dimensional Fund Advisors LP, Vanguard Group Inc., Parametric Portfolio Associates LLC, Prudential Financial Inc., Goldman Sachs Group Inc., Bowling Portfolio Management LLC and State Street Corp. Company insiders that have bought Regional Management Corp. stock in the last two years include Brian J Fisher and Peter R Knitzer. View Insider Buying and Selling for Regional Management Corp..
How do I buy Regional Management Corp. stock?
Shares of Regional Management Corp. can be purchased through any online brokerage account. Popular online brokerages include Vanguard Brokerage Services, TD Ameritrade, E*TRADE, Scottrade, Fidelity and Charles Schwab.
What is Regional Management Corp.'s stock price today?
One share of Regional Management Corp. stock can currently be purchased for approximately $23.84.
MarketBeat Community Rating for Regional Management Corp. (NYSE RM)MarketBeat's community ratings are surveys of what our community members think about Regional Management Corp. and other stocks. Vote "Outperform" if you believe the stock will outperform the S&P 500 over the long term. Vote "Underperform" if you believe the stock will underperform the S&P 500 over the long term. You may vote once every thirty days.
Consensus Ratings for Regional Management Corp. (NYSE:RM) (How are Consensus Ratings Calculated?) MarketBeat calculates consensus ratings using the most recent rating from each brokerage that has rated a stock within the last twelve months. Since brokers often use different ratings systems, each rating is normalized to a standardized rating score of 1 (sell), 2 (hold), 3 (buy) or 4 (strong buy). Consensus ratings scores are calculated using the mean average of the number of normalized sell, hold, buy and strong buy ratings. Each stock's consensus rating is derived from its calculated consensus ratings score (0-1.5 = Sell, 1.5-2.5 = Hold, 2.5-3.5 = Buy, >3.5 = Strong Buy). MarketBeat's consensus price targets are a mean average of the most recent available price targets set by each analyst that has set a price target for the stock in the last twelve months.
MarketBeat will no longer include ratings and price target data in its consensus calculation if a broker drops coverage and MarketBeat has received a report that coverage was dropped. Ratings from certain research firms that issue ratings using purely quantitative methods (such as Zacks, Vetr and ValuEngine) are not included in consensus calculations. MarketBeat's consensus ratings and consensus price targets may differ from those calculated by other firms due to differences in methodology and available data.
| Ratings Breakdown: | 5 Hold Ratings, 1 Buy Rating |
| Consensus Rating: | Hold (Score: 2.17) |
| Consensus Price Target: | $25.83 (8.36% upside) |
Analysts' Ratings History for Regional Management Corp. (NYSE:RM)
Show:
| Date | Firm | Action | Rating | Price Target | Impact on Share Price | Details |
|---|
| 8/23/2017 | Stephens | Initiated Coverage | Equal -> Equal Weight | $25.00 | High |  |
| 8/2/2017 | BMO Capital Markets | Boost Price Target | Market Perform | $24.00 -> $25.00 | Low | |
| 7/18/2017 | DA Davidson | Reiterated Rating | Neutral | $27.00 | Low | |
| 7/14/2017 | Keefe, Bruyette & Woods | Reiterated Rating | Hold | $25.00 | Low | |
| 6/13/2017 | JMP Securities | Upgrade | Market Perform -> Outperform | $28.00 | High | |
| 12/2/2016 | Janney Montgomery Scott | Downgrade | Buy -> Neutral | $25.00 | N/A | |
| 4/30/2016 | Jefferies Group LLC | Reiterated Rating | Buy | | N/A | |
(Data available from 9/26/2015 forward)
Earnings History for Regional Management Corp. (NYSE:RM)Earnings History by Quarter for Regional Management Corp. (NYSE RM)| Date | Quarter | Consensus Estimate | Actual EPS | Revenue Estimate | Actual Revenue | Release Link | Conference Call | Details |
|---|
| 10/25/2017 | | | | | | | N/A | |
| 8/1/2017 | Q2 2017 | $0.49 | $0.55 | $65.00 million | $65.34 million | View | Listen | |
| 5/2/2017 | Q1 2017 | $0.56 | $0.65 | $63.01 million | $65.82 million | View | Listen | |
| 2/7/2017 | Q416 | $0.56 | $0.56 | $56.70 million | $64.00 million | View | Listen | |
| 7/26/2016 | Q216 | $0.40 | $0.53 | $58.32 million | $57.30 million | View | Listen | |
| 4/28/2016 | Q116 | $0.50 | $0.40 | $56.66 million | $56.70 million | View | Listen | |
| 1/28/2016 | Q415 | $0.47 | $0.47 | $58.49 million | $56.70 million | View | Listen | |
| 10/22/2015 | Q315 | $0.49 | $0.50 | $58.52 million | $55.10 million | View | Listen | |
| 7/23/2015 | Q215 | $0.37 | $0.41 | $50.75 million | $53.00 million | View | Listen | |
| 4/28/2015 | Q115 | $0.42 | $0.44 | $50.80 million | $52.50 million | View | Listen | |
| 3/9/2015 | Q414 | $0.43 | $0.33 | $52.18 million | $53.79 million | View | Listen | |
| 10/30/2014 | Q3 | $0.48 | $0.14 | $49.82 million | $53.91 million | View | Listen | |
| 7/30/2014 | Q2 | $0.36 | $0.34 | $49.71 million | $47.44 million | View | Listen | |
| 4/29/2014 | Q1 | $0.65 | $0.36 | $48.76 million | $49.58 million | View | Listen | |
| 3/11/2014 | Q4 | $0.66 | $0.71 | | | View | Listen | |
| 10/30/2013 | Q313 | $0.61 | $0.59 | $43.75 million | $44.50 million | View | Listen | |
(Data available from 1/1/2011 forward)
Earnings Estimates for Regional Management Corp. (NYSE:RM)2017 EPS Consensus Estimate: $2.32
2018 EPS Consensus Estimate: $2.78
| Quarter | Number of Estimates | Low Estimate | High Estimate | Average Estimate |
|---|
| Q1 2017 | 1 | $0.55 | $0.55 | $0.55 |
| Q2 2017 | 2 | $0.51 | $0.52 | $0.52 |
| Q3 2017 | 2 | $0.56 | $0.58 | $0.57 |
| Q4 2017 | 2 | $0.66 | $0.70 | $0.68 |
| Q1 2018 | 2 | $0.56 | $0.58 | $0.57 |
| Q2 2018 | 2 | $0.65 | $0.68 | $0.67 |
| Q3 2018 | 2 | $0.67 | $0.77 | $0.72 |
| Q4 2018 | 2 | $0.77 | $0.87 | $0.82 |
(Data provided by Zacks Investment Research)
Dividend History for Regional Management Corp. (NYSE:RM)
No dividend announcements for this company have been tracked by MarketBeat.com
Insider Trading and Institutional Ownership History for Regional Management Corp. (NYSE:RM)Insider Ownership Percentage: 9.50%
Institutional Ownership Percentage: 86.84%
Insider Trades by Quarter for Regional Management Corp. (NYSE:RM)| Transaction Date | Insider Name | Title | Buy/Sell | Number of Shares | Average Share Price | Total Transaction | Details |
|---|
| 5/3/2017 | Michael R Dunn | Director | Sell | 12,681 | $20.88 | $264,779.28 | |
| 4/27/2017 | Michael R Dunn | Director | Sell | 17,859 | $20.79 | $371,288.61 | |
| 4/24/2017 | Michael R Dunn | Director | Sell | 23,117 | $20.28 | $468,812.76 | |
| 4/19/2017 | Michael R Dunn | Director | Sell | 1,796 | $20.03 | $35,973.88 | |
| 4/18/2017 | Michael R Dunn | Director | Sell | 30 | $20.01 | $600.30 | |
| 4/17/2017 | Michael R Dunn | Director | Sell | 917 | $20.03 | $18,367.51 | |
| 4/11/2017 | Michael R Dunn | Director | Sell | 12,793 | $20.05 | $256,499.65 | |
| 4/7/2017 | Michael R Dunn | Director | Sell | 6,411 | $20.10 | $128,861.10 | |
| 8/1/2016 | Glen Capital Partners Focus Fu | Major Shareholder | Sell | 20,000 | $18.83 | $376,600.00 | |
| 7/29/2016 | Glen Capital Partners Focus Fu | Major Shareholder | Sell | 125,656 | $18.87 | $2,371,128.72 | |
| 6/8/2016 | Glen Capital Partners Focus Fu | Major Shareholder | Sell | 8,613 | $17.82 | $153,483.66 | |
| 5/5/2016 | Alvaro G Demolina | Director | Sell | 10,000 | $15.83 | $158,300.00 | |
| 2/11/2016 | Brian J Fisher | VP | Buy | 2,000 | $12.40 | $24,800.00 | |
| 11/2/2015 | Peter R Knitzer | Director | Buy | 12,000 | $16.45 | $197,400.00 | |
| 9/3/2015 | Roel C. Campos | Director | Buy | 3,500 | $16.42 | $57,470.00 | |
| 8/25/2015 | Steven J Freiberg | Director | Buy | 30,000 | $14.70 | $441,000.00 | |
| 3/16/2015 | Steven J Freiberg | Director | Buy | 14,589 | $15.27 | $222,774.03 | |
| 3/12/2015 | Daniel J Taggart | SVP | Buy | 6,551 | $15.42 | $101,016.42 | |
| 2/13/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 14,771 | $15.87 | $234,415.77 | |
| 2/5/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 6,400 | $15.43 | $98,752.00 | |
| 1/26/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 5,000 | $15.11 | $75,550.00 | |
| 1/22/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 7,000 | $15.64 | $109,480.00 | |
| 1/16/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 52,000 | $15.31 | $796,120.00 | |
| 1/14/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 27,000 | $15.24 | $411,480.00 | |
| 1/12/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 65,000 | $15.35 | $997,750.00 | |
| 1/8/2015 | Second Curve Capital Llc | Major Shareholder | Sell | 50,000 | $15.64 | $782,000.00 | |
| 1/6/2015 | Second Curve Capital Llc | Major Shareholder | Buy | 40,000 | $15.01 | $600,400.00 | |
| 12/16/2014 | Michael R Dunn | CEO | Buy | 75,000 | $13.05 | $978,750.00 | |
| 12/15/2014 | Donald E Thomas | CFO | Buy | 4,000 | $13.08 | $52,320.00 | |
| 12/15/2014 | Michael R Dunn | CEO | Buy | 70,000 | $13.00 | $910,000.00 | |
| 11/25/2014 | Alvaro G Demolina | Director | Buy | 10,000 | $13.52 | $135,200.00 | |
| 11/7/2014 | C Glynn Quattlebaum | Director | Buy | 2,000 | $12.56 | $25,120.00 | |
| 11/5/2014 | Donald E Thomas | CFO | Buy | 1,000 | $12.42 | $12,420.00 | |
| 8/7/2014 | Second Curve Capital Llc | Major Shareholder | Sell | 5,000 | $16.59 | $82,950.00 | |
| 8/5/2014 | Donald E Thomas | CFO | Buy | 1,000 | $15.90 | $15,900.00 | |
| 7/21/2014 | Second Curve Capital Llc | Major Shareholder | Sell | 5,000 | $14.94 | $74,700.00 | |
| 4/30/2014 | Ejf Capital Llc | major shareholder | Sell | 105,866 | $16.55 | $1,752,082.30 | |
| 3/17/2014 | Thomas Fortin | CEO | Sell | 14,742 | $24.77 | $365,159.34 | |
| 1/8/2014 | Alvaro Demolina | Director | Sell | 9,389 | $35.00 | $328,615.00 | |
| 12/10/2013 | C Glynn Quattlebaum | COO | Sell | 30,000 | $29.61 | $888,300.00 | |
| 12/10/2013 | Richard Godley | Director | Sell | 509,220 | $29.61 | $15,078,004.20 | |
| 3/4/2013 | Carlos Palomares | Director | Buy | 1,000 | $18.68 | $18,680.00 | |
| 3/4/2013 | Donald E Thomas | CFO | Buy | 1,100 | $18.96 | $20,856.00 | |
| 12/27/2012 | C Glynn Quattlebaum | COO | Sell | 10,713 | $16.00 | $171,408.00 | |
(Data available from 1/1/2013 forward)
Headline Trends for Regional Management Corp. (NYSE:RM)
Latest Headlines for Regional Management Corp. (NYSE:RM)
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Regional Management Corp. (RM) Chart for Tuesday, September, 26, 2017
