Regional Management
Provides branch-serviced installment loans to consumers with limited access to traditional credit.
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Profile
Makes large and small installment loans, with optional protection products, for near-prime, non-prime, and subprime borrowers who often lack access to bank or card financing. The Regional Finance model combines branches, direct mail, digital partners, and centralized underwriting and collections.
Offers large loans, small loans, auto-secured lending, and optional payment or collateral protection products under the Regional Finance brand. Borrowers are generally near-prime, non-prime, or subprime consumers who often do not qualify for prime bank, thrift, card-provider, or other lender financing.
Branches remain the servicing core even when loans originate through direct mail, digital partners, or the consumer website. The footprint is concentrated in the US, with a long South Carolina origin and a branch network spread across many states.
Execution depends on ability-to-pay underwriting, local servicing, centralized collections, credit bureau and data-aggregator inputs, and securitization or warehouse funding. State lending, branch-licensing, insurance-product, debt-collection, and CFPB rules shape what can be offered and where.
Company facts
Categories
Key statistics
Year to date −17.3% · Average volume (30d) 103.1K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 29, 2026Q2 FY26 | $0.81 | $0.85 | +5.2% | $165.7M | $168.0M | +1.4% | −23.84% |
| Apr 29, 2026Q1 FY26 | $0.98 | $1.18 | +21.0% | $161.6M | $167.3M | +3.6% | −3.04% |
| Feb 4, 2026Q4 FY25 | $1.28 | $1.30 | +1.6% | $163.2M | $169.7M | +4.0% | −14.57% |
| Nov 5, 2025Q3 FY25 | $1.46 | $1.42 | −2.7% | $168.2M | $165.5M | −1.6% | −10.08% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $153.0M | $157.4M | $165.5M | $169.7M | $167.3M | $168.0M | |
| Gross profit | $75.2M | $76.4M | $83.0M | $103.3M | $157.8M | $163.1M | |
| Operating income | $9.2M | $13.5M | $19.0M | $38.7M | $37.8M | $33.6M | |
| Net income | $7.0M | $10.1M | $14.4M | $12.9M | $11.4M | $8.2M | |
| Diluted EPS | $0.70 | $1.03 | $1.42 | $1.30 | $1.18 | $0.85 | |
| Gross margin | 49.2% | 48.5% | 50.2% | 60.9% | 94.3% | 97.1% | |
| Operating margin | 6.0% | 8.6% | 11.5% | 22.8% | 22.6% | 20.0% |
Fiscal years (4-quarter sums)FY21 $428.4M · FY22 $507.2M · FY23 $551.4M · FY24 $588.5M · FY25 $645.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $6.8M · Total debt $1.72B · Total assets $2.13B · Shareholders' equity $378.3M
Dividends
Raised for 4 straight years — most recently to $0.30 from $0.25 in Feb 2022. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 19, 2026 | Aug 19 | Sep 16 | $0.30 | |
| May 20, 2026 | May 20 | Jun 10 | $0.30 | |
| Feb 19, 2026 | Feb 19 | Mar 12 | $0.30 | |
| Nov 25, 2025 | Nov 25 | Dec 16 | $0.30 | |
| Aug 20, 2025 | Aug 20 | Sep 10 | $0.30 | |
| May 21, 2025 | May 21 | Jun 11 | $0.30 | |
| Feb 20, 2025 | Feb 20 | Mar 13 | $0.30 | |
| Nov 21, 2024 | Nov 21 | Dec 11 | $0.30 |
Ownership
Institutions and insiders are filed separately and overlap, so together they can pass the whole company. No split is drawn from them.
Shares outstanding 9.21M · Float 8.27M · 89.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.15M | 12.52% | 13F | Aug 7, 2026 |
| Forager Capital Management, LLC | 948.5K | 10.30% | 13F | Aug 14, 2026 |
| Forager Fund, L.P. · 10 percent owner | 948.5K | 10.30% | Form 4 | Apr 30, 2026 |
| Basswood Capital Management, L.L.C. | 855.4K | 9.29% | 13F | Aug 14, 2026 |
| Dimensional Fund Advisors LP | 690.6K | 7.50% | 13F | Aug 11, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 24, 2026 | Catherine R. Atwood | officer: SVP and General Counsel | −200 | $35.00 |
| Aug 12, 2026 | Lakhbir S. Lamba | director, officer: President and CEO | +3,500 | $31.76 |
| Aug 11, 2026 | Lakhbir S. Lamba | director, officer: President and CEO | +6,500 | $31.59 |
| Jul 10, 2026 | Steven B. Barnette | officer: VP, Chief Accounting Officer | −3,274 | $43.30 |
| Jul 1, 2026 | Steven B. Barnette | officer: VP, Chief Accounting Officer | −1,600 | $42.04 |
Peers
- OneMain
National nonprime personal-loan lender with branches and insurance
- World Acceptance
Branch-based small-loan consumer finance with insurance attachment
- Oportun Financial
Unsecured and auto-secured personal loans for thin-file borrowers
- Enova International
Online non-prime installment loans and lines of credit
- OppFi
Digital small-dollar installment credit for underbanked consumers
- Upstart
AI lending marketplace for online personal loans
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Regional Management | $32.55 | +0.34% | $299.7M | 6.9 | 5.7 | 0.4 | +6.7% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| Oportun Financial | $7.36 | −0.14% | $337.8M | 18.4 | 4.1 | 0.5 | +42.1% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| OppFi | $7.25 | +2.55% | $603.7M | 3.2 | 4.3 | 1.1 | +1.9% |
| Upstart | $29.20 | +0.40% | $2.78B | 56.9 | 16.5 | 2.4 | +41.8% |
| Median | 17.8 | 10.0 | 1.3 | +13.3% |