Event-Driven Stocks

AMERICAS CARMART INC

CRMTNasdaq

Consumer Discretionary · Retail-Auto Dealers & Gasoline Stations · TX · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 1 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$1.15B$1.16B$1.20B$1.04B$799.1M$653.0M
Operating income——————
Net income$17.9M−$31.4M$20.4M$95.0M$104.8M$12.7M
Total assets$1.61B$1.48B$1.41B$1.15B$822.2M$667.3M
Total liabilities$1.04B$1.01B$915.8M$677.8M$415.3M$364.2M
Equity$569.4M$470.6M$498.4M$476.4M$406.4M$302.7M
EPS (diluted)$2.33$-4.92$3.11$13.92$15.05$7.39
Shares out.8.3M6.4M6.4M6.4M6.6M6.6M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
1.6%
Return on equity
3.1%
Return on assets
1.1%
Return on capital (ROCE)
—
Liabilities / assets
64.5%
Debt / equity
1.82×
Book value / share
$68.79
Revenue growth (YoY)
−1.3%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
4.2%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
50
/ 100
Profitability 100Growth 0Catalyst 67Earnings quality 33Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 1 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • Revenue declined year-over-year
  • Negative operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

5%+ owners

SEC Schedule 13D / 13G · last 3 yrs

Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.

Insider transactions

SEC Form 4 · most recent
8 acquisitions3 disposalsnet −51,242 shares · last 11
InsiderDateTypeSharesPrice
Judy Vickie D.Officer — Chief Accounting OfficerMay 22, 2026Tax withholding1,067$11.88
Williams Jeffrey ADirectorMay 1, 2026Grant11,801$0.00
Welch Joshua GDirectorMay 1, 2026Grant11,801$0.00
Morris Dawn CDirectorMay 1, 2026Grant11,801$0.00
Joplin Brandi N.DirectorMay 1, 2026Grant11,801$0.00
Englander Daniel JDirectorMay 1, 2026Grant16,915$0.00
Davis Julia K.DirectorMay 1, 2026Grant11,801$0.00
Buba Jonathan ZDirectorMay 1, 2026Grant11,801$0.00
Peterson Adam K10% ownerApr 27, 2026Sell8,000$12.59
Peterson Adam K10% ownerApr 20, 2026J132,815$0.00
Joplin Brandi N.DirectorSep 25, 2025Grant2,919$0.00

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20261.5M18.3-2.5%
Apr 30, 20261.5M13.0+8.7%
Apr 15, 20261.4M9.8+7.3%
Mar 31, 20261.3M6.8+18.2%
Mar 13, 20261.1M5.1+3.9%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (2)