Regional Management

RM · NYSE

$33.75−$0.29 (−0.85%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $34.04

RM analyst rating

BuyConsensus of 2 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy2
Hold0
Underperform0
Sell0

12-month price target · 6 analysts

Average $44.71 (+32.5% upside)

Low: $38.88
Now: $33.75
High: $52.50

Upgrades and downgrades

The latest rating actions, newest first

RM analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Citizens	Jul 30, 2026	Maintains	Market Outperform	$45.00 → $43.00	59%
Citizens	May 21, 2026	Upgrade	Market Perform → Market Outperform	$45.00	56%

The case for and against

Updated Oct 23, 2025

Bull case

Regional Management Corp has recently expanded its operational footprint by opening 15 new branches, including 10 in previously underserved states, which enhances its market presence and customer accessibility. The company is experiencing improvements in roll rates across various delinquency categories, indicating better credit quality and an expected positive impact on the net charge-off (NCO) rate in forthcoming quarters. Additionally, management's strategic decision to tighten underwriting processes in late 2022 and 2023 is anticipated to further strengthen the company's resilience against potential market challenges.

Bear case

Regional Management Corp's second-quarter net income guidance was weaker than expected, raising concerns about the company's ability to achieve meaningful full-year earnings growth, which would necessitate robust performance in the latter half of the year. The company's ongoing expectation of over 10% portfolio growth could exacerbate stress on its lending portfolio, particularly if economic conditions deteriorate further. Additionally, upward revisions to expenses have prompted downward adjustments to earnings per share estimates for 2025 and 2026, contributing to a more cautious outlook on the company's financial health.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.