{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-23-001731","form_type":"8-K/A","ticker":"RM","cik":"0001519401","company_name":"Regional Management Corp.","filed_at":"2023-02-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.361849+00:00","generated_at":"2026-06-19T17:56:43.659167+00:00","sec_items":["1.01","2.02","8.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Regional Management Q4 net income $2.4M, adjusted EPS $0.54; enters $75M warehouse facility","bullets":["Net income of $2.4M ($0.25 diluted EPS); adjusted net income $5.0M ($0.54 adjusted diluted EPS).","Total revenue $132.0M, up 10.5% YoY; provision for credit losses $60.8M, up 96% YoY.","30+ day delinquencies 7.1% of net finance receivables; annualized net credit losses 15.0% (320 bps from loan sale).","Entered $75M revolving warehouse facility with Regions Bank; margin 2.50%, step-up 0.00% during revolving period, maturity ~Feb 2026.","Quarterly dividend $0.30/share declared, payable Mar 15, 2023 to holders of record Feb 22, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-23-001731","json":"https://secwatch.observer/filing/0001564590-23-001731.json","markdown":"https://secwatch.observer/filing/0001564590-23-001731.md","text":"https://secwatch.observer/filing/0001564590-23-001731.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001731/0001564590-23-001731-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1519401/000156459023001731/rm-8ka_20230202.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T17:56:43.659167+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":"db79fa358755d844dcc6d4b4fec4605c1ca48168","claim":"Regional Management Corp. reported 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/1519401/000156459023001731/0001564590-23-001731-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"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":"042019159e28d137c829a74153a22346f7c21c6e","claim":"Regional Management Corp. entered into RMR VI Credit Agreement with Regions Bank, as administrative agent; Computershare Trust Company, N.A., as securities intermediary and backup servicer valued at $75 million (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/1519401/000156459023001731/0001564590-23-001731-index.htm","confidence":0.9,"family_label":"Material Agreements","details":[{"label":"Action","value":"entry"},{"label":"Agreement","value":"credit facility"},{"label":"Counterparty","value":"Regions Bank, as administrative agent; Computershare Trust Company, N.A., as securities intermediary and backup servicer"},{"label":"Value","value":"$75 million"},{"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"}