RM stock: buy or sell?
September 20th, 2019
Regional Management Corp., a diversified consumer finance company, provides various loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other traditional lenders.
Should I buy RM stock?You can't be a successful trader if you don't follow a methodolgy or system that assist you in choosing companies and the correct market timing. Having a trading plan helps to make decisions easier, quicker and with less hesitations. At Stocks2.com, we like to use very simple but trusted and powerful trend following trading strategies. Simple things usually work the best.
Currently, Regional Management stock doesn't match any of these trading strategies, so our recommendation is not to buy.
|New all-time high||No|
|New 52 week high||No|
|Price crossing up 200d MA||No|
|100d MA crossing up 200d MA||No|
Is Regional Management stock a buy?
Financial institutions and banks publish stock ratings everyday.At Stocks2.com, we gathered 2 ratings published for RM stock in the last 30 days.
|Date||Analyst / Broker||Previous rating||Current rating|
|2019-1-7||Keefe, Bruyette & Woods||n/a||Hold|
RM stock analysis
After sliding for 4 days, Friday Regional Management raised a good 1.09%, closing at $27.72.
After sliding for 4 sessions, Friday Regional Management raised a good 1.09%, closing at $27.72. Since price and SMA200d lines crossed up on September 3rd, RM climbed $1.97 (7.65%). Since July when SMA50d and SMA100d crossed up, RM price gained $3.13 per share (12.73%).
Regional Management declined a fateful -2.22% this week. Early September RM rocketed an outstanding 10.59% in just one week.
In a weekly time frame, Regional Management stock is drawing an uptrend with rising tops and bottoms. Now trading in between its last bottom and last top, RM might consolidate in a flat-base, waiting to break out over or down under . Since this week when SMA20w and SMA40w crossed up, RM price slipped $-0.63 per share (-2.22%). Since early September when RM stock price broke up the SMA40w line, it gained $1.97 (7.65%).
RM stock price history
RM stock went public on March 28th, 2012 with a price of $17.001. Since then, RM stock grew a 63.10%, with a yearly average of 9.00%. If you had invested $1,000 in RM stock in 2012, it would worth $631.00 today.
1: Adjusted price after possible price splits or reverse-splits.
RM stock historical price chart
RM stock reached 52-week highs at $30.96, and all-time highs 2018-06-07 with a price of 37.21.
RM stock price target is $31.50Nobody can reliably foresee how stock prices may evolve in the future. However, banks and other financial institutions analysts, with the help of lots of data and algorithms do their best to predict the stock prices movement. You should not follow the analysts' RM stock price predictions in the hope that they will be met as they may be wrong and not met. We have 2 price targets for RM stock released in the last 30 days:
|Date||Analyst / Broker||Action||Previous target||Current target||Diff|
|2019-1-7||Keefe, Bruyette & Woods||Reiterates||n/a||$27.00||-|
Financials and fundamental analysis
Earnings date and Earnings per ShareRegional Management presented more than good results for 2018-Q4 on February. Regional Management escalated Earnings per Share (EPS) by 13.90%, beating experts of $0.79. Regional Management posted $0.90.
|Quarter||Reporting date||Estimated EPS||Actual EPS||Surprise|
Annual financial resultsIn 2018, Regional Management annual revenues rose a wonderful 9.93% to $273.24 M USD from $248.55 marked in 2017. Nonetheless, its profit margin (compared to revenues) remained steady to 12.94%, that is $35.35 million.
|2013||$171 M||-||$29 M16.9%||-|
|2014||$190 M||11.22%||$15 M7.8%||-48.59%|
|2015||$201 M||5.96%||$23 M11.6%||57.85%|
|2016||$221 M||9.70%||$24 M10.9%||2.85%|
|2017||$249 M||12.67%||$30 M12.1%||24.68%|
|2018||$273 M||9.93%||$35 M12.9%||17.96%|
Quarterly financial resultsRegional Management posted $74.11 M in revenues for 2018-Q4, a 7.11% up compared to previous quarter. Reported quarter income marked $10.77 million with a profit margin of 14.53%. Profit margin gained a 3.77% compared to previous quarter when profit margin was 10.77%. When comparing revenues to same quarter last year, Regional Management sales marked a super good increase and boosted a 13.50%. Looking back to recent quarterly results, Regional Management posted 2 negative quarters in a row.
|2017-Q1||$66 M||-||$8 M11.6%||-|
|2017-Q2||$65 M||-0.73%||$6 M9.4%||-19.53%|
|2017-Q3||$63 M||-4.29%||$5 M8.5%||-13.53%|
|2017-Q4||$65 M||4.41%||$11 M16.7%||105.03%|
|2018-Q1||$65 M||0.24%||$9 M13.2%||-20.59%|
|2018-Q2||$65 M||-1.45%||$8 M13.2%||-1.87%|
|2018-Q3||$69 M||7.27%||$7 M10.8%||-12.18%|
|2018-Q4||$74 M||7.11%||$11 M14.5%||44.58%|
Regional Management ownershipWhen you are planning to buy a company, it's always worth to overview its ownership structure.
Regional Management shares owned by insiders (that is, founders, CEO, CTO, main executives or other management staff) currently counts a 37.42% of all shares.
In case of Regional Management stock, 0.00% of its shares are held by institutions (mutual funds, pension funds, big banks and other large financial institutions). Bearish positions for RM stock account 0.00%, no big difference from last month.
For a better context understanding, the following table shows ownership data compared to other related companies:
|Market cap||$331.3 M||$4.3 B||$5.1 B||$1.2 B|
|Total shares||12.0 M||94.7 M||136.1 M||9.0 M|
|Float shares||9.3 M||94.0 M||76.3 M||4.3 M|
|- Institutional holdings (%)||0.0%||8.0%||93.9%||91.4%|
|- Insider holdings (%)||37.4%||34.2%||2.8%||6.2%|
|Shares in short selling||0.0%||0.0%||0.0%||0.0%|
|Friday, September 20th, 2019|
|Day range||$27.33 - $27.85|
|Average true range||$0.93|
|50d mov avg||$26.67|
|100d mov avg||$25.84|
|200d mov avg||$25.89|
Regional Management performanceTo better understand Regional Management performance you must becnhmark its gains with other related stocks in same sector or industry. For Regional Management, the benchmark is made against , OneMain and World Acceptance.