CRMT AMERICAS CARMART INC Insider Trading

CFO Collins buys 197 shares at $25.27 amid -61.0% decline from 52-week high; company posts -$22.5M quarterly loss.

Collins Jonathan M., Chief Financial Officer of Americas CarMart Inc, purchased 197 shares at $25.27 on 2025-12-11, increasing his holdings from 6.2K to 6.4K shares. The transaction occurred when CRMT was trading $24.20 currently, representing -61.0% below the 52-week high of $62.05, though the stock has gained 24.0% over the prior 30 days. The company's latest quarterly results show a net loss of -$22.5M on revenue of $350.2M, with annual revenue growth flat at -0.2%. Collins' prior trade at CRMT in June 2025 produced a -30.6% return over 90 days, establishing a pattern of poorly-timed accumulation at this ticker. The modest $5.0K purchase size relative to his existing position and the company's ongoing operating losses provide limited evidence of a meaningful strategic signal.

CFO Collins buys 102 CRMT shares at $49.30; stock down 30.3% from 52-week high and trades below purchase price.

Jonathan M. Collins, CFO of Americas CarMart, purchased 102 shares at $49.30 on June 17, 2025, adding 1.7% to his holdings of 6,247 shares post-transaction. The transaction occurred when CRMT traded $0.42 above the current price of $48.88 and represents a modest absolute purchase in a company with a $325.7M quarterly revenue base. However, the broader financial context merits attention: the company was unprofitable over its most recent full fiscal year, carries a historically elevated P/E of 52.56, and trades at $48.88—significantly below both the purchase price of $49.30 and the 52-week high of $70.15 (now down 30.3% from peak). Annual revenue growth has contracted -0.8% year-over-year. The CFO's small open-market buy during a period of negative earnings and depressed valuation relative to historical ranges warrants monitoring of forward earnings trends and capital allocation decisions.

10% Owner Peterson sells 154,269 shares across 4 trades (06-09 to 06-11) for $8.7M at blended avg $56.33

Peterson Adam K, a 10% owner of Americas CarMart Inc, executed four separate sales totaling 154,269 shares for $8,689,490.20 between June 9–11, 2025, at prices ranging from $55.49 to $57.57 (blended average $56.33), reducing his stake by 9.7% from 1,582,363 to 1,428,094 shares. The company faces headwinds: full-year net income was negative, the latest quarter posted only $3.2M net income on $325.7M revenue with annual revenue growth of -0.8%, and the P/E of 62.09 reflects a depressed earnings multiple. The current stock price of $57.74 sits 17.7% below the 52-week high of $70.15, yet the stock has gained 9.2% over 30 days and 27.6% over 90 days, placing Peterson's sales within a rallied window. Cross-ticker, Peterson's 20 prior open-market buys have posted a 63.16% win rate with positive 90-day average returns; however, his two prior purchases at CRMT showed mixed outcomes (one with +22.6% 90-day gain, one with -15.0%), suggesting inconsistent predictive value at this specific ticker. The concentrated sales activity and magnitude ($8.7M liquidation) deserve scrutiny given the company's weak profitability trend and elevated valuation multiple.

Director Welch purchases 12,000 shares in 2 transactions for $509,165.50; holdings rise to 149,305 shares

Joshua G Welch, a Director, executed 2 separate purchases on 2025-03-10, buying 11,500 shares at $42.47 and 500 shares at $41.61, for a combined $509,165.50 at a blended average price of $42.43. His holdings grew from 137,305 shares to 149,305 shares, representing an 8.7% increase in stake. The purchases occurred when the stock was trading 35.9% below its 52-week high of $70.15 and down 10.2% over the prior 30 days, though his prior trade at CRMT in September 2024 achieved a positive 90-day return of 22.6%. The company reported recent quarterly revenue of $325,726,000.00 and a P/E of 48.38, though it was unprofitable over its most recent full fiscal year. The timing of this accumulation relative to deteriorating price momentum and marginally profitable operations warrants examination of the underlying transaction documentation.

CRMT director bought 100,000 shares for $4,383,505.87 across 3 transactions on 2025-03-10/11

Buba Jonathan Z, a director at Americas CarMart Inc, executed 3 separate purchases totaling 100,000 shares for $4,383,505.87 at a blended average price of $43.84, representing an 18.4% increase in holdings to 644.7K shares. The purchases occurred as the stock trades -35.9% from its 52-week high of $70.15 and has declined -18.6% over the prior 90 days. Against this backdrop, his prior buy at CRMT on 2024-09-19 produced a +22.6% return within 90 days, establishing a pattern of well-timed entries at this ticker. However, the company's fundamentals remain pressured: full-year net income was negative, the latest quarter generated only $3.2M in net income on $325.7M revenue, and the P/E ratio stands at 48.38, reflecting elevated valuation despite near-profitless operations.

Director Morris Dawn C bought 116 CRMT shares at $43.00; 4 other insiders bought within 14 days as stock down 53.8% from 52-week high.

Morris Dawn C purchased 116 shares of Americas CarMart at $43.00 on 2024-09-19, increasing her holdings by 4.7% to 2,562 shares. The buy occurs within a cluster pattern—4 other insiders also purchased shares within the past 14 days—which suggests coordinated internal interest in the stock. The timing is notable given CRMT's operational context: the company reported negative net income of $-964,000 in its latest quarter and was unprofitable over its most recent full fiscal year, while the stock has declined 53.8% from its 52-week high of $93.18 and fallen 31.1% over the past 30 days. This cluster purchase activity during a period of significant stock weakness and ongoing unprofitability warrants close monitoring of Q3 earnings and management commentary to assess whether insiders view current valuations as opportunistic or if deteriorating fundamentals may continue.

10% owner Peterson Adam K purchases 813,953 shares of CRMT for $35.0M at $43.00; holdings now 1.58M shares (+105.9%)

Peterson Adam K, a 10% owner, committed $34,999,979.00 to acquire 813,953 shares on 2024-09-19, doubling his stake from 768,410 shares to 1,582,363 shares. This large concentrated purchase occurs while the stock is -53.8% from its 52-week high of $93.18 and has declined -31.1% over the prior 30 days, suggesting the insider is purchasing into significant recent weakness. The company remains unprofitable with net income of $-964,000.00 over its latest quarter and annual revenue declining -0.8% year-over-year, making the timing and magnitude of this acquisition noteworthy. Notably, 4 other insiders also bought within the past 14 days, indicating a broader cluster buy pattern that may signal management confidence despite the company's current profitability challenges and depressed valuation.

Director Buba Jonathan Z purchased 232,558 shares of CRMT for $9,999,994.00 on 2024-09-19 amid cluster buy pattern; stock down 54.4% from 52-week high.

Buba Jonathan Z, a director of Americas CarMart, purchased 232,558 shares at $43.00 on 2024-09-19 for $9,999,994.00, increasing his holdings by 74.5% to 544,686 shares. This purchase occurs amid significant headwinds: the company reported a net loss of $-964,000.00 in its latest quarter and negative full-year net income, while the stock has fallen 54.4% from its 52-week high of $93.18 to a current price of $42.49. Most notably, 4 other insiders also bought within the past 14 days, indicating a coordinated cluster buy pattern. The combination of director-level accumulation during depressed price action and participation by multiple insiders warrants close examination of whether management views the current valuation as disconnected from fundamental recovery prospects.

Director Bordelon buys 1,232 shares of CRMT at $43.00; 4 other insiders also bought within 14 days amid -54.4% 52-week decline

Director Ann G. Bordelon purchased 1,232 shares on 2024-09-19 at $43.00, increasing her holdings by 32.7% to 5,003 shares total, while the stock trades 54.4% below its 52-week high of $93.18. A cluster pattern emerges: 4 other insiders also purchased shares within the past 14 days, suggesting coordinated accumulation at depressed levels. The company is unprofitable (net income of $-964.0K in the latest quarter and negative full-year results), with flat annual revenue growth of -0.8%, presenting a high-risk backdrop for insider purchasing activity. The convergence of multiple insider purchases during sustained price weakness warrants examination of whether this reflects access to non-public information or signals management's assessment of value relative to current market conditions.

Director Welch bought 23,255 shares of CRMT at $43.00 on 2024-09-19; cluster of 5 insider buys in 14 days as stock down 54.4% from 52-week high.

Joshua G. Welch, a Director of Americas CarMart Inc (CRMT), purchased 23,255 shares at $43.00 on 2024-09-19, increasing his holdings to 148,955 shares, a net addition of 23,255 shares (+18.5% vs pre-transaction holdings). The transaction coincides with significant stock weakness: the current price of $42.49 sits -54.4% from the 52-week high of $93.18, and the stock has declined -29.2% over the past 30 days and -27.9% over 90 days. Notably, four other insiders also purchased shares within the same 14-day window, establishing a cluster buying pattern. This coordinated insider accumulation during a period of sharp price deterioration, combined with the company's unprofitable full-year net income of -$964,000 and flat annual revenue growth of -0.8%, merits scrutiny into whether insiders view current valuations as attractive or whether other material factors inform their purchasing decisions.