Regional Management Corp. Earnings Per Share Disclosure
The following schedule reconciles the computation of basic and diluted earnings per share for the periods indicated:
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Year Ended December 31, |
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Dollars in thousands, except per share amounts |
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2025 |
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2024 |
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2023 |
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Numerator: |
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Net income |
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$ |
44,412 |
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|
$ |
41,227 |
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$ |
15,958 |
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Denominator: |
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Weighted-average shares outstanding for basic earnings per share |
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9,428 |
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9,640 |
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|
|
9,398 |
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Effect of dilutive securities |
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|
556 |
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|
|
317 |
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|
|
195 |
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Weighted-average shares adjusted for dilutive securities |
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9,984 |
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|
9,957 |
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|
|
9,593 |
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Earnings per share: |
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Basic |
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$ |
4.71 |
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$ |
4.28 |
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$ |
1.70 |
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Diluted |
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$ |
4.45 |
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$ |
4.14 |
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$ |
1.66 |
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The Company excluded outstanding shares of common stock totaling 37 thousand, 0.2 million, and 0.4 million for the years ended December 31, 2025, 2024, and 2023, respectively, from the computation of diluted earnings per share because they were anti-dilutive.
Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Feb 20, 2026 | Showing above |
| 2024 | Feb 21, 2025 | |
| 2023 | Feb 22, 2024 | |
| 2022 | Feb 24, 2023 | |
| 2021 | Mar 4, 2022 | |
| 2015 | Feb 23, 2016 | |
About Earnings Per Share Disclosures
The earnings per share disclosure breaks down the calculation from net income to both basic and diluted EPS, revealing the full impact of a company's capital structure on per-share economics. The reconciliation between basic and diluted share counts exposes how many stock options, RSUs, convertible securities, and warrants are potentially dilutive to existing shareholders.
Key signals: a widening gap between basic and diluted shares indicates growing dilution from equity compensation or convertible instruments. Anti-dilutive securities excluded from the diluted calculation deserve attention — they represent latent dilution that will materialize if the stock price rises. Watch for the effect of share buybacks on per-share metrics: EPS growth driven primarily by repurchases rather than income growth signals weakening fundamentals. Compare year-over-year changes in the diluted share count against equity compensation expense to assess whether management is effectively managing dilution.