{"schema_version":"secwatch.filing_event.v1","accession":"0001519401-26-000012","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2026-07-29T20:26:17+00:00","discovered_at":"2026-07-29T20:27:01.483174+00:00","generated_at":"2026-07-29T20:27:11.665313+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Regional Management Q2 net income falls 19.6% to $8.2M; revenue up 6.7% to $168M; declares $0.30 dividend","bullets":["Net income $8.2M ($0.85 diluted EPS), down 19.6% YoY; YTD net income $19.6M ($2.03 EPS), up 14% YoY.","Total revenue $168.0M, up 6.7% YoY; net finance receivables $2.1B, up 9.6% YoY.","Net credit loss rate 12.2%, up 30 bps YoY; operating expense ratio 12.4%, improved 80 bps YoY.","Declared quarterly dividend $0.30/share, payable Sept 16, 2026 to holders of record Aug 19, 2026.","Bank partnership with Column N.A. originated >$65M loans; digital lending launched; entered Florida."],"urls":{"canonical":"https://secwatch.observer/filing/0001519401-26-000012","json":"https://secwatch.observer/filing/0001519401-26-000012.json","markdown":"https://secwatch.observer/filing/0001519401-26-000012.md","text":"https://secwatch.observer/filing/0001519401-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000151940126000012/0001519401-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000151940126000012/rm-20260729.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-29T20:27:11.665313+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}