AMERICAS CARMART INC

Overview

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• TickerCRMT on Nasdaq¹
• IndustryRetail-Auto Dealers & Gasoline Stations¹
• HeadquartersRogers, Arkansas¹
• Incorporated inTX³
• Business address1805 North 2Nd Street, Suite 401, Rogers, Ar 72756³
• Filer categoryAccelerated filer, Smaller reporting company³

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America’s Car-Mart, Inc., a Texas corporation (the “Company”), is one of the largest publicly held automotive retailers in the United States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to the Company include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through its two operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”). Collectively, Car-Mart of Arkansas and Colonial are referred to herein as “Car-Mart.” The Company primarily sells older model used vehicles and provides financing for substantially all of its customers. Many of the Company’s customers have limited financial resources and would not qualify for conventional financing as a result of limited credit hist…⁴ From its latest annual report

Corporate structure

AMERICAS CARMART INC sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What AMERICAS CARMART INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

Investments

Intangibles and goodwill

Inventory

Properties, in its own words

As of April 30, 2026, the Company leased approximately 83% of its facilities, including dealerships and the Company’s corporate offices. These facilities are located principally in the states of Alabama, Arkansas, Georgia, Illinois, Indiana, Iowa, Kentucky, Mississippi, Missouri, Oklahoma, Tennessee and Texas. The Company’s corporate offices are located in approximately 50,000 square feet of leased space in Rogers, Arkansas. For additional information regarding the Company’s properties, see “Operations-Dealership Locations and Facilities” under Item 1 above.

Item 2 of the 10-K filed Jul 14, 2026.⁴

Leadership

Who has led AMERICAS CARMART INC, and when. Pick a name to see everywhere that person has worked.

• Chief executive officerDouglas W. Campbell Jr. Jan 29, 2024 to now¹⁵
• Chief executive officerWilliam H. Henderson Oct 1, 2008 to Oct 4, 2017¹⁶
• Chief executive officerTilman J. Falgout Iii. Feb 9, 2006 to Mar 29, 2007¹⁷
• ChairTilman J. Falgout Iii. Dec 11, 2007 to Nov 9, 2009¹⁸
• PresidentDouglas W. Campbell Jr. Oct 5, 2022 to now¹⁹
• PresidentWilliam H. Henderson Mar 6, 2006 to Aug 7, 2015²⁰
• Chief financial officerMarie E. Persichetti Aug 10, 2026 to now²¹
• Chief financial officerJonathan M. Collins Jun 9, 2025 to Aug 10, 2026²²
• Chief financial officerVickie D. Judy Mar 5, 2018 to Jul 16, 2024²³
• Chief operating officerJamie Fischer Oct 17, 2024 to now²⁴
• Chief operating officerLeonard L. Walthall Sep 4, 2019 to Feb 25, 2022²⁵
• Chief operating officerEddie L. Hight Mar 28, 2006 to Apr 4, 2013²⁶

Former names

• AMERICANS CARMART INCJul 19, 2002 to Jul 19, 2002³
• CROWN GROUP INC /TX/Oct 22, 1997 to Mar 14, 2002³
• CROWN CASINO CORPJun 8, 1995 to Mar 21, 1997³

Timeline

1. Oct 15, 20268-K Entered a material agreement; Other events⁴⁶
2. Oct 8, 20268-K Entered a material agreement; Other events⁴⁷
3. Oct 1, 20268-K Entered a material agreement; Other events⁴⁸
4. Sep 24, 20268-K Executive or director change; Shareholder vote⁴⁹
5. Sep 24, 20268-K Entered a material agreement; Other events⁵⁰
6. Sep 18, 20268-K Entered a material agreement; Other events⁵¹
7. Sep 11, 20268-K Entered a material agreement; Other events⁵²
8. Sep 9, 20268-K Results of operations⁵³
9. Sep 4, 20268-K Entered a material agreement; Other events⁵⁴
10. Jul 14, 20268-K Results of operations⁵⁵
11. Jun 25, 20268-K Entered a material agreement; Executive or director change; Other events⁵⁶
12. Jun 12, 20268-K Entered a material agreement⁵⁷
13. Jan 29, 2024New chief executive Douglas W. Campbell Jr. becomes CEO¹⁵
14. Oct 1, 2008New chief executive William H. Henderson becomes CEO¹⁶
15. Feb 9, 2006New chief executive Tilman J. Falgout Iii. becomes CEO¹⁷

Calendar

Coming up

1. Dec 3, 2026Reports results for the quarter ending Oct/2026⁵⁸

When it reported results

1. Sep 9, 2026Reported quarterly or annual results⁵³
2. Jul 14, 2026Reported quarterly or annual results⁵⁵
3. Mar 12, 2026Reported quarterly or annual results⁵⁹
4. Dec 4, 2025Reported quarterly or annual results⁶⁰
5. Sep 4, 2025Reported quarterly or annual results⁶¹
6. Jun 12, 2025Reported quarterly or annual results⁶²
7. Mar 13, 2025Reported quarterly or annual results⁶³
8. Mar 10, 2025Reported quarterly or annual results⁶⁴

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

292 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 75 major events, 113 insider forms, 44 large holders, 40 other. The latest 20:

1. Oct 15, 20268-K EDGAR
2. Oct 8, 20268-K EDGAR
3. Oct 2, 20264 EDGAR
4. Oct 1, 20268-K EDGAR
5. Sep 25, 20264 EDGAR
6. Sep 25, 20264 EDGAR
7. Sep 25, 20264 EDGAR
8. Sep 25, 20264 EDGAR
9. Sep 24, 20268-K EDGAR
10. Sep 24, 20268-K EDGAR
11. Sep 21, 20264 EDGAR
12. Sep 18, 20268-K EDGAR
13. Sep 11, 20268-K EDGAR
14. Sep 9, 202610-Q EDGAR
15. Sep 9, 20268-K EDGAR
16. Sep 4, 20268-K EDGAR
17. Sep 3, 2026SCHEDULE 13G/A EDGAR
18. Aug 14, 2026ARS EDGAR
19. Aug 14, 2026DEFA14A EDGAR
20. Aug 14, 2026DEF 14A EDGAR

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

41 open-market trades by officers, directors and large owners since October 2021: 25 buys and 16 sales. Grants, option exercises and gifts are left out.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

• MAGNOLIA CAPITAL FUND, LPSCHEDULE 13G/A, 6 filings Feb 14, 2024 to Sep 3, 2026⁶⁵
• Ameriprise FinancialSCHEDULE 13G, 1 filing Aug 14, 2026⁶⁶
• ASKELADDEN CAPITAL MANAGEMENT LLCSCHEDULE 13G/A, 2 filings May 15, 2026 to Aug 7, 2026⁶⁷
• PRESCOTT GROUP CAPITAL MANAGEMENT, L.L.C.SCHEDULE 13G/A, 2 filings Apr 16, 2026 to Aug 7, 2026⁶⁸
• Institute Of Technology MassachusettsSCHEDULE 13G, 1 filing Aug 6, 2026⁶⁹
• BlackRockSCHEDULE 13G/A, 8 filings Feb 7, 2022 to Jul 27, 2026⁷⁰
• VANGUARD GROUP INCSCHEDULE 13G/A, 7 filings Feb 9, 2022 to Mar 26, 2026⁷¹
• Silver Point Capital, L.P.SCHEDULE 13G, 1 filing Nov 6, 2025⁷²
• FMR LLCSCHEDULE 13G/A, 8 filings Feb 9, 2022 to Nov 5, 2025⁷³
• Nantahala Capital Management, LLCSCHEDULE 13D/A, 2 filings Sep 24, 2024 to Mar 12, 2025⁷⁴
• DIMENSIONAL FUND ADVISORS LPSC 13G/A, 4 filings Feb 8, 2022 to Oct 31, 2024⁷⁵
• MAGNOLIA GROUP, LLCSC 13G, 1 filing Jan 10, 2023⁷⁶
• ROYCE & ASSOCIATES LPSC 13G/A, 1 filing Jan 31, 2022⁷⁷

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 74. Change is in shares since the quarter before.

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How AMERICAS CARMART INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

• Name on EDGARAMERICAS CARMART INC¹
• CIK0000799850
• Employer ID (EIN)63-0851141⁴
• Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; not a shell company⁴
• Incorporated inTexas⁴
• Fiscal year endsApril 30¹
• Industry code (SIC)5500 Retail-Auto Dealers & Gasoline Stations¹
• SEC reviewing officeOffice of Trade & Services, Division of Corporation Finance¹
• Business address1805 North 2Nd Street, Suite 401, Rogers, AR 72756¹
• Phone(479) 464-9944¹
• Shares outstanding8,338,478 as of Sep 9, 2026¹³
• Public float$156.7M as of Oct 31, 2025⁴
• AuditorGRANT THORNTON LLP, Tulsa, Oklahoma PCAOB ID 248; it also attests to the company’s internal control over financial reporting⁴
• On EDGAR sinceMar 17, 1995¹
• Filings1,328 in all: 4 (560), 8-K (220), SC 13G/A (96), 10-Q (95), DEF 14A (32), SC 13G (32), 10-K (29), 3 (25)¹
  All 40 form types

  8-K/A (21), SC 13D/A (20), 11-K (19), 4/A (19), S-8 (15), CT ORDER (14), UPLOAD (14), ARS (12), 424B3 (9), CORRESP (9), S-8 POS (9), SCHEDULE 13G/A (9), NT 10-K (8), NT 10-Q (8), POS AM (8), SCHEDULE 13G (7), DEFA14A (6), 10-Q/A (4), DEFR14A (4), SC 13D (4), 10-K405 (3), 10-K/A (2), 10-K405/A (2), 424B5 (2), EFFECT (2), PRE 14A (2), S-3 (2), 11-K/A (1), 144 (1), ARS/A (1), S-1 (1), SCHEDULE 13D/A (1)

• Latest filingsAnnual report (10-K) Jul 14, 2026
  Quarterly report (10-Q) Sep 9, 2026
  Proxy statement (DEF 14A) Aug 14, 2026
  Latest 8-K (8-K) Oct 15, 2026

Securities registered for trading

From the cover page of the 10-K filed Jul 14, 2026 (Section 12(b) of the Exchange Act).⁴

Risk factors and legal proceedings

The risks AMERICAS CARMART INC names in Item 1A of its 10-K filed Jul 14, 2026: 26 risks under these headings, as written.⁴

• Risks Related to the Company’s Operations
• There is substantial doubt about the Company’s ability to continue as a going concern, and holders of the Company’s common stock could experience a significant or complete loss of their investment.
• To preserve liquidity, the Company has curtailed its purchases of vehicle inventory, which has reduced and is expected to continue to reduce the Company's vehicle sales, finance receivable originations, and revenues.
• The Company's liquidity is currently constrained and is substantially dependent on a limited number of funding sources. Any continued or future challenges involving the availability or cost of capital and working capital financing could further adversely affect the Company’s operations and its business and growth strategies. Any material volatility and disruption of the capital and credit markets and adverse changes in the global economy could have a negative impact on the Company’s ability to access the credit markets in the future and/or obtain credit on favorable terms.
• If a back-up servicer is activated with respect to one or more of the Company's asset-backed securitization trusts, collection results on the related receivables may be lower than if the Company continued to service them, which could diminish the value of the Company's residual interest in the affected trust and adversely affect its financial condition and results of operations.
• The Company’s review of strategic and financing alternatives, negotiations with its lenders, and related matters have diverted, and are expected to continue to divert, management’s attention from the Company’s ordinary-course business operations.
• The Company previously identified a material weakness in its internal control over financial reporting, which has since been remediated. If the Company fails to maintain effective internal control over financial reporting in the future, its ability to produce accurate financial statements on a timely basis could be impaired and its public reporting may be unreliable.
• The recent closure of a significant number of the Company’s dealerships and any future dealership closures could disrupt collections on its finance receivables, particularly because many of the Company’s customers make payments in person.
• The Company may have a higher risk of delinquency and default than traditional lenders because it finances its sales of used vehicles to credit-impaired borrowers.
• The Company’s allowance for credit losses may not be sufficient to cover actual credit losses, which could adversely affect its financial condition and operating results.
• The Company’s success depends upon the continued contributions of its management teams and the ability to attract and retain qualified employees.
• The Company’s business is dependent upon the efficient operation of its information systems.

Legal proceedings

In the ordinary course of business, the Company has become a defendant in various types of legal proceedings. While the outcome of these proceedings cannot be predicted with certainty, the Company does not expect the final outcome of any of these proceedings, individually or in the aggregate, to have a material adverse effect on the Company’s financial position, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.⁴