Regional Management Corp. — Form 8-K

Regional Management Corp. reported Q2 2026 net income of $8.2M (diluted EPS $0.85), down 19.6% YoY, but YTD net income up 14% and EPS up 17.3%. Net finance receivables grew $187.9M (9.6% YoY) to $2.1B, driven by large loans and auto-secured portfolio (+31.8% YoY to $323.7M). Total originations were $503.6M, down 1.3% YoY, as the company tightened underwriting. Operating expense ratio improved 80 basis points YoY to 12.4%. The Column N.A. bank partnership (live in Texas) has originated $65M+ since launch and is projected to improve pre-tax margins 200+ bps. The company repurchased 136,325 shares at $36.68/share and declared a $0.30 dividend.