{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-23-001614","form_type":"8-K","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2023-02-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.362233+00:00","generated_at":"2026-06-19T21:42:16.398163+00:00","sec_items":["1.01","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 Q4 adj EPS $0.54; declares $0.30 dividend; portfolio grows 19% YoY","bullets":["GAAP net income $2.4M ($0.25 EPS); adjusted net income $5.0M ($0.54 EPS). Revenue $132.0M, +10.5% YoY.","Net finance receivables $1.70B, +19.2% YoY; large loans 71.1% of total portfolio.","30+ day contractual delinquencies 7.1% as of Dec 31, 2022, down 10bps from Sep 30 but up 10bps from Dec 2019.","Provision for credit losses $60.8M, +96% YoY; included $11.8M reserve reduction from NPL sale and $9.1M for portfolio growth.","Board declared $0.30 per share quarterly dividend, payable March 15, 2023 to holders of record Feb 22, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-23-001614","json":"https://secwatch.observer/filing/0001564590-23-001614.json","markdown":"https://secwatch.observer/filing/0001564590-23-001614.md","text":"https://secwatch.observer/filing/0001564590-23-001614.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001614/0001564590-23-001614-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001614/rm-8k_20230202.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T21:42:16.398163+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":[{"claim_id":"e1b4f54bbf1ebeff2f7807ae1b45389a6ae9859b","claim":"Regional Management Corp. reported financial results for the twelve months ended December 31, 2022.","evidence_excerpt":"On February 8, 2023, the Company issued a press release announcing financial results for the three and twelve months ended December 31, 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001614/0001564590-23-001614-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the twelve months ended December 31, 2022"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"eee0eb042626a9b922bdb41a686de5d70d575061","claim":"Regional Management Corp. reported the fourth quarter ended December 31, 2022 results: revenue $132.0 million, net income $2.4 million, EPS $0.25.","evidence_excerpt":"were $470.3 million in the fourth quarter of 2022, an increase of $36.0 million, or 8.3%, from the prior-year period. • Total revenue for the fourth quarter of 2022 was $132.0 million, an increase of $12.5 million, or 10.5%, from the prior-year period. - Interest and fee income increased $10.3 million, or 9.6%, primarily due to higher average net finance","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001614/0001564590-23-001614-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2022"},{"label":"Revenue","value":"$132.0 million"},{"label":"Net income","value":"$2.4 million"},{"label":"EPS","value":"$0.25"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"73d9def28d858e173e8266eb3e6846a3520970bc","claim":"Regional Management Corp. entered into RMR VI Credit Agreement with Regions Bank valued at $75 million revolving warehouse facility (effective 2023-02-02).","evidence_excerpt":"On February 2, 2023 (the “ Closing Date ”), Regional Management Corp. (the “ Company ”) and its wholly-owned subsidiary, Regional Management Receivables VI, LLC (“ RMR VI ”), entered into a Credit Agreement, dated as of February 2, 2023 (the “ RMR VI Credit Agreement ”), by and among the Company, as servicer (the “ Servicer ”), RMR VI, as borrower (the “ Borrower ”), the lenders and agents from time to time parties thereto, Regions Bank, as administrative agent (the “ Administrative Agent ”), and Computershare Trust Company, N.A., as securities intermediary (the “ Securities Intermediary ”) and backup servicer (the “ Backup Servicer ”).","evidence_source":"SEC 8-K Item 1.01/1.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001614/0001564590-23-001614-index.htm","confidence":0.95,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Regions Bank"},{"label":"Value","value":"$75 million revolving warehouse facility"},{"label":"Effective","value":"2023-02-02"}],"fact_type":"material_agreement"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}