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RM

Regional Management Corp
Chart
$35.93
Latest Week 2026-06-05
Financial ServicesCredit ServicesSMALL
Snapshot 2026-06-07 · 0.0w · Fresh
0.98
OS Score
95.0%
Value
90.0%
Quality
79.0%
Momentum
#51.00000000
TV Rank
6/9
F-Score
0.925
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.980
↗
Trending Value
✗
◆
Quality × Value
QV 0.925
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
P/S 0.5
💎
Deep Value
P/E 7.1
◇
VC2 Cheapest
VC2 5.00000000
📐
EBITDA/EV
✗
◐
Veiled Value
✗
▣
Piotroski Bargains
✗
🔬
Quality Compounders
✗
📈
Consistent Earners
Noneyr
🌱
GARP
Rev +11%
🔄
Shareholder Yield
3.4%
💰
High Yield
Div 3.4%
🚀
Momentum Leaders
12-1 32%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 95th
🛡
Low Volatility
✗
🏷
Sector Cheapest
✗
🧠
Capital Allocators
✗
⚡
Risk-Adj Momentum
✗
V
Value Analysis
Cheapness relative to fundamentals
95.0%ile
P/E
7.1×
P/S
0.5×
P/B
0.9×
E/P
0.1406
FCF Yield
0.214
EBITDA/EV
0.073
SH Yield
0.034
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
6.00000000
/100 — 1=cheapest
VC2 (Trending Value)
5.00000000
/100
VC3 (Buyback)
5.00000000
/100
P/E of 7.1x places this firmly in deep value territory. FCF yield of 21.4% is strong — the business generates significant free cash relative to price. VC2 score of 5.00000000/100 puts this in the cheapest decile of the universe — prime Trending Value territory.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
90.0%ile
ROE
0.130
ROA
0.024
Net Margin
0.074
Op Margin
0.165
GPA
0.203
D/E
4.51
Current
8.22
F-Score
6/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
0.105
Earn Growth
0.478
Stability
0.250
lower=better
Accruals
-0.134
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 4.51 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
79.0%ile
6M Return
-0.4%
12M Return
35.3%
12-1 Mom
32.0%
Risk-Adj
0.89
Vol 252d
36.1%
Vol 60d
76.0%
↑ Expanding
Max DD 12M
-29.0%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 32% is very strong — a clear uptrend. Near-term vol (76%) is expanding vs long-term (36%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.98
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Financial Services · 500 peers
Sector Value %ile
91.0%
Sector Quality %ile
88.2%
P/E z-score
-0.33
P/B z-score
-0.07
Sector Avg OS
86.5%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
CARE Carter Bank and Trust 99.0% 96.0% 98.0% 88.0%
BAP Credicorp Ltd 99.0% 98.0% 93.0% 84.0%
HG Hamilton Insurance Group, Ltd. 99.0% 97.0% 94.0% 85.0%
UVE Universal Insurance Holdings Inc 99.0% 96.0% 94.0% 82.0%
BFH Bread Financial Holdings, Inc. 99.0% 97.0% 97.0% 90.0%
MCY Mercury General Corporation 99.0% 95.0% 93.0% 86.0%
PKBK Parke Bancorp Inc 98.0% 91.0% 86.0% 88.0%
RILY BRC Group Holdings, Inc. 98.0% 95.0% 79.0% 96.0%
Factor Interactions
Value + Quality Intersection
Top-tier on both cheapness (95th) and quality (90th) — the O'Shaughnessy sweet spot, historically the strongest long-term combination.
Trending Value Signal
Cheap (95th value) with strong momentum (79th). The market is starting to recognise the value.
Volatility Expanding
60-day vol (76%) significantly exceeds 252-day (36%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
A
81.0% avg (7 factors)
Quality
C
49.0% avg (8 factors)
Momentum
C
58.2% avg (4 factors)
Risk
C
56.5% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Factor Persistence1 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.980—1—
Value %ile0.950—1—
Quality %ile0.900—1—
Momentum %ile0.790—1—
F-Score6.000—0—
Confidence1.000—1—
Volatility0.361—0—
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
7.11
Earnings Yield (E/P)
0.1406
Price / Sales
0.53
Price / Book
0.92
Price / Cash Flow
1.06
FCF Yield
21.4%
EBITDA / EV
7.3%
Sales Yield (1/P·S)
0.4140
Shareholder Yield
Div + net buyback / mktcap
3.4%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
13.0%
Return on Assets
2.4%
Net Margin
7.4%
Operating Margin
16.5%
Gross Profit / Assets
Novy-Marx GPA
20.3%
Debt / Equity
4.51
Current Ratio
8.22
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.134
MomentumPrice trend strength over different horizons
6M Return
-0.4%
12M Return
35.3%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
32.0%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
0.89
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
10.5%
Earnings Growth (YoY)
47.8%
Earnings Stability (CV)
Lower = more stable
0.250
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
6
Dividend Yield
3.4%
Buyback Yield
0.0%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
6
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
5
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
5
Trending Value Rank
1=best. Top VC2 decile by 6M momentum
51
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity