RM
NEUTRAL
$34.94
Live
Regional Management Corp. · NYSE
Target $47.0
(+34.5%)
$26.06
52W Range
$46.0
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 02, 2026
Market cap
$328.33M
P/E
7.09
ROE
13.3%
Profit margin
7.6%
Debt/Equity
4.42
Dividend yield
3.43%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
Regional Management Corp. presents a stark contrast between extreme valuation attractiveness and deteriorating fundamental health. While the stock trades significantly below its Graham Number ($65.82) and Intrinsic Value ($145.44) with a low P/E of 7.09, the Piotroski F-Score of 2/9 indicates severe weakness in financial health. Strong YoY earnings growth of 68.6% is offset by aggressive insider selling and a bearish technical trend. The company is a classic 'value trap' candidate where low multiples are justified by poor health metrics and lack of insider confidence.
Key Strengths
Deep value valuation with P/E of 7.09 and P/B of 0.89
Strong YoY earnings growth of 68.60%
Significant margin of safety relative to Graham Number ($65.82)
Sustainable dividend with a low payout ratio of 24.34%
Consistent history of earnings beats over the last 25 quarters
Key Risks
Critical financial health weakness (Piotroski F-Score: 2/9)
High leverage with a Debt/Equity ratio of 4.42
Strongly bearish insider sentiment with $17M in sales and zero buys
Bearish technical trend (0/100 score)
Recent Q/Q EPS decline of 9.2%
AI Fair Value Estimate
Based on comprehensive analysis
$58.5
+67.4% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
95
65
70
20
60
AI Verdict
Value Trap Risk
Key drivers: Extreme valuation discount, Poor Piotroski health score, Aggressive insider liquidation
Confidence
90%
Value
95/100
Trades at a massive discount to both defensive (Graham) and growth-based intrinsic values.
Positives
- P/E 7.09
- P/B 0.89
- Price well below Graham Number
Watchpoints
No urgent risks highlighted.
Future
65/100
Growth is strong on a yearly basis, but momentum is shifting downward.
Positives
- High YoY earnings growth
- Positive PEG ratio (0.90)
Watchpoints
- Bearish technical trend
- Negative Q/Q EPS growth
Past
70/100
Historically a strong performer, but recent trends are deteriorating.
Positives
- Long track record of earnings surprises
- Strong 3Y price appreciation (+54.5%)
Watchpoints
- Recent 6M price decline
Health
20/100
The Piotroski score indicates a high probability of continued fundamental decline.
Positives
- High current ratio
Watchpoints
- Piotroski F-Score 2/9
- Debt/Equity 4.42
Dividend
60/100
Dividends are safe but not a primary catalyst for growth.
Positives
- Low payout ratio
- Consistent yield
Watchpoints
- Low overall dividend strength score (35/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$34.94
Analyst Target
$47.0
Upside/Downside
+34.5%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for RM and closest competitors.
Updated 2026-05-01
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
RM
Regional Management Corp.
Primary
|
+6.3% | +54.5% | +31.1% | -9.7% | +7.2% | -10.8% |
|
BFZ
BlackRock California Municipal Income Trust
Peer
|
-0.2% | +13.3% | +3.6% | +8.5% | +2.2% | -0.3% |
|
WSBF
Waterstone Financial, Inc.
Peer
|
+17.0% | +43.8% | +52.9% | +23.6% | -1.1% | -1.7% |
|
ASG
Liberty All-Star Growth Fund, Inc.
Peer
|
-5.8% | +31.9% | -1.2% | +1.3% | +1.1% | +0.6% |
|
NXG
NXG NextGen Infrastructure Income Fund
Peer
|
+122.4% | +141.8% | +47.5% | +23.4% | +5.4% | +4.5% |
RM
Regional Management Corp.
Primary
5Y
+6.3%
3Y
+54.5%
1Y
+31.1%
6M
-9.7%
1M
+7.2%
1W
-10.8%
BFZ
BlackRock California Municipal Income Trust
Peer
5Y
-0.2%
3Y
+13.3%
1Y
+3.6%
6M
+8.5%
1M
+2.2%
1W
-0.3%
WSB
Waterstone Financial, Inc.
Peer
5Y
+17.0%
3Y
+43.8%
1Y
+52.9%
6M
+23.6%
1M
-1.1%
1W
-1.7%
ASG
Liberty All-Star Growth Fund, Inc.
Peer
5Y
-5.8%
3Y
+31.9%
1Y
-1.2%
6M
+1.3%
1M
+1.1%
1W
+0.6%
NXG
NXG NextGen Infrastructure Income Fund
Peer
5Y
+122.4%
3Y
+141.8%
1Y
+47.5%
6M
+23.4%
1M
+5.4%
1W
+4.5%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
7.09
Forward P/E
4.86
PEG Ratio
0.9
P/B Ratio
0.89
P/S Ratio
0.51
EV/Revenue
3.1
EV/EBITDA
11.79
Market Cap
$328.33M
Profitability
Profit margins and return metrics
Profit Margin
7.64%
Operating Margin
22.57%
Gross Margin
60.51%
ROE
13.3%
ROA
4.76%
Growth
Revenue and earnings growth rates
Revenue Growth
+13.1%
Earnings Growth
+68.6%
Q/Q Revenue Growth
+8.91%
Q/Q Earnings Growth
+62.7%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
4.42
High debt
Current Ratio
59.88
Strong
Quick Ratio
56.84
Excellent
Cash/Share
$0.52
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-29
$N/A
2026-04-29
$1.18
+21.0% surprise
2026-02-04
$1.3
+1.2% surprise
2025-11-05
$1.42
-0.8% surprise
Financial Services Sector Comparison
Comparing RM against 1034 companies in the Financial Services sector
(162 bullish, 450 neutral, 422 bearish)
P/E Ratio
7.09
This Stock
vs
35.38
Sector Avg
-80.0%
(Discount)
Return on Equity (ROE)
13.3%
This Stock
vs
0.74%
Sector Avg
+1701.7%
(Excellent)
Profit Margin
7.64%
This Stock
vs
85.98%
Sector Avg
-91.1%
(Weaker)
Debt to Equity
4.42
This Stock
vs
1.29
Sector Avg
+243.6%
(Higher)
Revenue Growth
13.1%
This Stock
vs
32.8%
Sector Avg
-60.1%
(Slower)
Current Ratio
59.88
This Stock
vs
3.68
Sector Avg
+1528.9%
(Stronger)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
RM
Regional Management Corp.
|
NEUTRAL | $328.33M | 7.09 | 13.3% | 7.6% | $34.94 | |
|
BFZ
BlackRock California...
|
BEARISH | $329.2M | - | -6.5% | -93.0% | $10.95 | Compare |
|
WSBF
Waterstone Financial, Inc.
|
NEUTRAL | $329.93M | 12.14 | 7.7% | 18.4% | $17.97 | Compare |
|
ASG
Liberty All-Star Growth Fund, Inc.
|
BEARISH | $330.86M | 9.54 | 9.7% | 1782.8% | $5.34 | Compare |
|
NXG
NXG NextGen Infrastructure...
|
BEARISH | $325.57M | 10.09 | -% | -% | $57.29 | Compare |
RM
Regional Management Corp.
NEUTRAL
Mkt Cap
$328M
P/E
7.1
ROE
13.3%
Price
$34.94
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-29 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 5,017 | $195,445 |
| 2026-04-21 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 27,961 | $1,104,353 |
| 2026-04-17 | BARNETTE STEVEN BROOKS | Officer | Sale | 1,600 | $64,000 |
| 2026-04-17 | FISHER BRIAN JOSEPH | Officer | Sale | 2,961 | $115,331 |
| 2026-04-16 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 37,827 | $1,444,787 |
| 2026-04-15 | RANA HARPREET | Chief Financial Officer | Sale | 17,987 | $685,035 |
| 2026-04-15 | FISHER BRIAN JOSEPH | Officer | Sale | 8,457 | $322,067 |
| 2026-04-15 | FISHER BRIAN JOSEPH | Officer | Option Exercise | 8,918 | $178,271 |
| 2026-03-12 | CAMPOS ROEL C | Director | Purchase | 953 | $30,563 |
| 2026-02-27 | PALOMARES CARLOS | Director | Option Exercise | 9,188 | $145,997 |
| 2026-02-23 | BASSWOOD CAPITAL MANAGEMENT, L.L.C. | Beneficial Owner of more than 10% of a Class of Security | Sale | 9,044 | $310,900 |
| 2026-02-17 | ATWOOD CATHERINE R | General Counsel | Sale | 3,000 | $105,068 |
| 2026-01-13 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 1,309 | $50,869 |
| 2026-01-09 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 40,155 | $1,561,431 |
| 2026-01-06 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Sale | 24,371 | $958,624 |
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-29
5,017 shares
·
$195,445
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-21
27,961 shares
·
$1,104,353
BARNETTE STEVEN BROOKS
Officer
2026-04-17
1,600 shares
·
$64,000
FISHER BRIAN JOSEPH
Officer
2026-04-17
2,961 shares
·
$115,331
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-16
37,827 shares
·
$1,444,787
RANA HARPREET
Chief Financial Officer
2026-04-15
17,987 shares
·
$685,035
FISHER BRIAN JOSEPH
Officer
2026-04-15
8,457 shares
·
$322,067
FISHER BRIAN JOSEPH
Officer
2026-04-15
8,918 shares
·
$178,271
CAMPOS ROEL C
Director
2026-03-12
953 shares
·
$30,563
PALOMARES CARLOS
Director
2026-02-27
9,188 shares
·
$145,997
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
Beneficial Owner of more than 10% of a Class of Security
2026-02-23
9,044 shares
·
$310,900
ATWOOD CATHERINE R
General Counsel
2026-02-17
3,000 shares
·
$105,068
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-01-13
1,309 shares
·
$50,869
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-01-09
40,155 shares
·
$1,561,431
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-01-06
24,371 shares
·
$958,624
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
10-Q
8-K
DEF 14A
8-K
10-K
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning RM from our newsroom.
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No matching news yet.