---
schema_version: "secwatch.filing_event.v1"
accession: "0001171843-25-003122"
form_type: "8-K"
ticker: "CRMT"
cik: "0000799850"
company_name: "AMERICAS CARMART INC"
filed_at: "2025-05-13T23:59:59+00:00"
generated_at: "2026-05-21T19:29:47.381517+00:00"
event_type: "leadership"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Car-Mart names Jonathan Collins CFO effective May 12; Vickie Judy becomes CAO

## Summary
- Collins joins from Walmart Africa, where he served as CFO since 2023; prior roles include CAO at Flipkart Group.
- Collins receives $450K base salary, $325K restricted stock (3-yr vest), $325K stock options (5-yr vest).
- Vickie Judy, CFO since 2010, transitions to Chief Accounting Officer; praised for growing loan portfolio 450%+.
- Severance: 12 months base salary on termination without cause; change-in-control triggers double-trigger cash and equity acceleration.
- Fiscal 2026 bonus eligible up to 120% of base, with guaranteed minimum 60% payout prorated for service days.

## SEC filing metadata
- accession: 0001171843-25-003122
- form_type: 8-K
- ticker: CRMT
- cik: 0000799850
- company_name: AMERICAS CARMART INC
- filed_at: 2025-05-13T23:59:59+00:00
- event_type: leadership
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 5.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/799850/000117184325003122/0001171843-25-003122-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/799850/000117184325003122/f8k_051225.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001171843-25-003122
- JSON: https://secwatch.observer/filing/0001171843-25-003122.json
- Plain text: https://secwatch.observer/filing/0001171843-25-003122.txt

## Source-grounded claims
- claim_id: 7ca592988c
  claim: Jonathan Collins was appointed as Chief Financial Officer at AMERICAS CARMART INC.
  evidence_excerpt: announced the appointment of Jonathan Collins as Chief Financial Officer of the Company, effective May 12, 2025 (the "Effective Date").
  evidence_url: https://www.sec.gov/Archives/edgar/data/799850/000117184325003122/0001171843-25-003122-index.htm
- claim_id: b692d528c6
  claim: Vickie Judy changed role as Chief Accounting Officer at AMERICAS CARMART INC.
  evidence_excerpt: the Company’s current Chief Financial Officer, Vickie Judy, will continue to serve in an executive capacity as the Company’s Chief Accounting Officer.
  evidence_url: https://www.sec.gov/Archives/edgar/data/799850/000117184325003122/0001171843-25-003122-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.