- Price is above Fair Value, showing premium demand versus the model.
- Next-week expectancy is positive at 57.17% based on similar historical setup states.
RM
NYSE
Week ended 11 Sep 2026
Weekly Investor Report
Regional Management Corp · Financial Services · Credit Services
Latest close
32.99 USD
-2.0%
latest week
Weekly setup
Weak trend
The weekly trend is not active. Price is -7.0% below the Trend Line and sits at 19.0% of its 52-week range. The latest completed week returned -2.0%, after a -0.6% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers. Options positioning is bullish with 40/100 conviction, while the latest news-sentiment score is 53/100. Near-term considerations: volume confirmation is below normal; earnings are due in 48d.
Setup score
27
out of 100
Latest Close
32.99 USD
11 Sep 2026
1W Return
-2.0%
latest completed week
4W Return
-0.6%
short-term follow-through
12W Return
-11.3%
quarterly tape
Trend Breadth
48.1%
25 of 52 weeks active
Volume Ratio
0.4x
vs 13-week average
- The trend backdrop is inactive, so price action has not confirmed a constructive regime.
- Price is below the Trend Line, which keeps downside pressure in focus.
- Activity pressure is negative, which weakens the current setup.
- 3 reversal markers appear in the recent smart-money tape.
- Trend Line remains the key weekly regime level.
- Activity pressure is the gauge to monitor for confirmation or fade.
- A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through
-2.0%
Latest completed week; four-week move -0.6%.
Indicator stack
26/0
Trend and activity pressure are weighted against the latest 12-week confirmation window.
Trend backdrop
Active
The trend backdrop defines the current weekly regime.
Patient Capital
Quiet
Activity-pressure buy-signal status for institutional accumulation timing.
Next-Week Expectancy
Positive 57.17%
Historical one-week expectancy contributes to the evidence score when direction is confirmed.
Options pressure
Bullish
40/100 conviction; expected move 11.3%.
News sentiment
53/100
19 relevant articles in the latest sentiment read.
Event risk
48d
Next report is scheduled for 04 Nov 2026; event risk rises as the date approaches.
01 · Price action
Study the full chart
Where price is—and whether the trend supports it
The weekly trend is not active. Price is -7.0% below the Trend Line and sits at 19.0% of its 52-week range. The latest completed week returned -2.0%, after a -0.6% four-week move.
52-week price path
Price vs Trend Line and Fair Value
Price
Trend Line
Fair Value
02 · Volume and demand
Is real participation confirming the move?
Latest weekly volume is 0.4x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.
26-week volume confirmation
Bar height shows volume; colour shows the weekly price direction
20 Mar
27 Mar
3 Apr
10 Apr
17 Apr
24 Apr
1 May
8 May
15 May
22 May
29 May
5 Jun
12 Jun
19 Jun
26 Jun
3 Jul
10 Jul
17 Jul
24 Jul
31 Jul
7 Aug
14 Aug
21 Aug
28 Aug
4 Sep
11 Sep
Up week
Down week
Demand beneath price
Activity pressure and institutional-style signals
These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.
Activity pressure path
Latest 0.5412-week average 0.60
12-week confirmation
Trend active6/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure8/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership5/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.54Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers33 reversal markers
No recent accumulation markers. 3 reversal markers.
03 · Momentum and leadership
Is performance persistent—and is the stock leading?
Performance is -0.6% over four weeks, -11.3% over 12 weeks, and -20.6% over one year. The current trend has remained active for 0 consecutive weeks.
Performance by holding period
Active trend streak0 weeks
Active weeks in one year25
Trend breadth48.1%
Activity pressure vs relative leadership
Activity pressureRelative leadership
Pressure-0.74Latest activity-pressure read.
Pressure change-741.0%Four-week change in activity pressure.
Leadership-17.04Latest relative-leadership reading.
RS change16.0%Four-week change in relative leadership.
04 · Fundamentals and valuation
Open full factor analysis
What investors are paying for—and the quality behind it
The latest factor snapshot indicates quality ranks strongly versus its universe; growth is moderate; valuation is inexpensive relative to peers.
Factor week 11 Sep 2026
Financial statements through 30 Jun 2026
Field coverage 97%
Model confidence 97%
Relative factor standing
Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.
Overall factor strength88/100Blend of value, momentum, and quality. Underlying universe rank 13; rank 1 is best.
Value97/100Relative valuation strength. Underlying universe rank 4; rank 1 is best.
Quality89/100Profitability and accounting quality. Underlying universe rank 12; rank 1 is best.
Momentum13/100Medium-term price momentum. Underlying universe rank 88; rank 1 is best.
Growth77/100Revenue and earnings growth. Underlying universe rank 24; rank 1 is best.
Quality and valuation are separate questions
A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.
Value-quality framework42/100Value and quality alignment from the Sharemaestro SVQF framework.
Valuation
How much investors are paying for earnings, sales, and cash flow.
- P/E
- 6.5x Price divided by trailing earnings.
- Price / sales
- 0.5x Market value relative to trailing revenue.
- EV / EBITDA
- - Enterprise value relative to operating cash earnings.
- Free-cash-flow yield
- 15.6% Free cash flow as a share of enterprise value.
Business quality
Margins and the return generated on invested capital.
- Gross margin
- 75.6% Gross profit retained from each unit of revenue.
- Operating margin
- 19.2% Operating profit retained from revenue.
- Free-cash-flow margin
- 46.8% Free cash flow generated from revenue.
- Return on invested capital
- 4.8% Operating return generated on invested capital.
Growth and financial strength
Recent business growth and accounting strength.
- Revenue growth
- 9.6% Latest one-year revenue growth.
- EPS growth
- 34.8% Latest one-year earnings-per-share growth.
- Free-cash-flow growth
- 16.1% Latest one-year free-cash-flow growth.
- Piotroski F-score
- 6/9 Nine-point accounting-strength checklist.
Shareholder return and balance sheet
Cash returned to owners and financial leverage.
- Dividend yield
- 3.6% Cash dividends relative to market value.
- Buyback yield
- 8.3% Net share repurchases relative to market value.
- Shareholder yield
- 11.9% Dividend yield plus net buyback yield.
- Net debt / EBITDA
- - Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment
What other market participants are doing
Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.
Options positioningBullish
RM shows bullish options pressure with a 40/100 conviction score, put-call volume ratio of 0.24, expected move of 11.3%, and Sharemaestro trend signal inactive.
Conviction40/100
Expected move11.3%
Put/call volume0.24
Insider activity14 / 6
14 acquisitions and 6 disposals in the latest 180-day insider tape.
Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.News sentiment53/100
Weighted news tone is neutral across 19 relevant articles.
8 positive · 7 neutral · 4 negativePatient CapitalQuiet
Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.
No recent buy signal
06 · Catalysts and risk
What can move the shares—and how volatile the path has been
Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.
Next earnings48dNext report is scheduled for 04 Nov 2026; event risk rises as the date approaches.
Options expected move11.3%Nearest-chain priced movement where available.
52-week drawdown-26.5%Distance below the 52-week high.
13-week volatility7.4%Standard deviation of weekly returns.
Weekly gains and losses
Latest 26 completed weeksEach bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.
20 Mar
17 Apr
15 May
12 Jun
10 Jul
7 Aug
11 Sep
Weeks higher15 of 2611 weeks finished lower.
Best week+10.3%Week of 26 Jun.
Worst week-22.5%Week of 31 Jul.
Latest week-2.0%Week of 11 Sep.
Shape of recent returns
Strong gains6
Modest gains9
Flat weeks0
Modest losses7
Sharp losses4
Recent vol7.4%13-week weekly-return volatility.
Base vol5.5%52-week weekly-return volatility.
Up/down split25/27Count of positive and negative weeks in the 52-week window.
Average skew3.9% / -4.2%Average positive week versus average negative week.
07 · Sector and peer context
Is this stock leading—or simply moving with its group?
Sector and industry breadth distinguish company-specific strength from a broad group move.
SectorUS Financial Services
4-week rank- / 100
Group average-1.1%
Trend breadth83.0%
Trend83.0%active weekly trend signals
MD68.0%positive activity pressure
RS47.0%positive relative leadership
Four-week leaders
IndustryUS Credit Services
4-week rank18 / 52
Group average-6.1%
Trend breadth63.5%
Trend63.5%active weekly trend signals
MD44.2%positive activity pressure
RS30.8%positive relative leadership
Four-week leaders
08 · Evidence and weekly data
The underlying research record
Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.
Weekly tape26/100
Trend, activity pressure, participation, and risk combine to a 26/100 tape read.
Indicator analysis47/100Latest 12-week confirmation: trend 6/12, activity pressure 8/12, relative leadership 5/12.
Activity pressure 0.54; 3 reversal markers Next-Week ExpectancyPositive 57.17%Next-week expectancy is positive with a 57.17% historical one-week setup read.
Adds short-term historical context without overriding trend, activity, or relative leadership. Factors73/100O'Shaughnessy factor stack blends value, quality, momentum, and confidence.
Cornerstone Growth rank 89; Buyback Yield rank 6; Small Cap Core rank 2 SVQF42/100Value and quality alignment from the Sharemaestro SVQF framework.
Composite rank 591.5 of 1017 Patient CapitalQuietActivity-pressure buy-signal evidence highlights potential institutional accumulation windows.
No recent buy signal Options42/100RM shows bullish options pressure with a 40/100 conviction score, put-call volume ratio of 0.24, expected move of 11.3%, and Sharemaestro trend signal inactive.
Bullish · Call-side pressure · Expected move 11.3% Sentiment53/100Weighted news tone is neutral across 19 relevant articles.
Regional Management (NYSE: RM) posts 6.7% revenue growth on $2.1B loan book Insiders14 / 614 acquisitions and 6 disposals in the latest 180-day insider tape.
Earnings48dNext report is scheduled for 04 Nov 2026; event risk rises as the date approaches.
| Week | Close | Return | Trend Line | Fair Value | Pressure | Leadership | Volume | Trend |
|---|---|---|---|---|---|---|---|---|
| 11 Sep 2026 | 32.99 USD | -2.0% | 35.46 USD | 30.60 USD | -0.74 | -17.04 | 188.8K | Off |
| 4 Sep 2026 | 33.68 USD | 3.5% | 35.50 USD | 30.55 USD | -0.59 | -16.60 | 332.1K | Off |
| 28 Aug 2026 | 32.55 USD | -4.6% | 35.54 USD | 30.49 USD | -0.45 | -19.95 | 387.5K | Off |
| 21 Aug 2026 | 34.11 USD | 2.7% | 35.67 USD | 30.44 USD | -0.28 | -16.47 | 647.6K | Off |
| 14 Aug 2026 | 33.20 USD | 2.2% | 35.74 USD | 30.39 USD | 0.12 | -20.30 | 513.8K | Off |
| 7 Aug 2026 | 32.50 USD | 1.6% | 35.86 USD | 30.33 USD | 0.56 | -22.08 | 688.2K | On |
| 31 Jul 2026 | 31.98 USD | -22.5% | 36.06 USD | 30.29 USD | 1.12 | -20.97 | 552.0K | On |
| 24 Jul 2026 | 41.28 USD | -0.0% | 36.28 USD | 30.26 USD | 1.52 | 2.80 | 380.5K | On |
| 17 Jul 2026 | 41.29 USD | -5.1% | 36.22 USD | 30.18 USD | 1.58 | 2.46 | 322.1K | On |
| 10 Jul 2026 | 43.50 USD | 4.4% | 36.17 USD | 30.11 USD | 1.38 | 6.47 | 457.3K | On |
| 3 Jul 2026 | 41.66 USD | 1.5% | 36.04 USD | 30.02 USD | 0.99 | 3.62 | 298.6K | On |
| 26 Jun 2026 | 41.04 USD | 10.3% | 35.85 USD | 29.93 USD | 0.70 | 4.45 | 444.3K | Off |
| 19 Jun 2026 | 37.20 USD | -0.0% | 35.73 USD | 29.84 USD | 0.37 | -7.26 | 259.2K | Off |
| 12 Jun 2026 | 37.21 USD | 3.6% | 35.67 USD | 29.77 USD | 0.42 | -6.25 | 211.0K | Off |
How to use this report
This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.