America’s Car-Mart, Inc. (NASDAQ:CRMT) today announced its
operating results for the third quarter of fiscal year 2018.
Highlights of third quarter operating
results:
- Net earnings of $13.4 million – $1.82 per
diluted share ($0.60 per diluted share excluding the effect of the
enactment of the Tax Cuts and Jobs Act (“Tax Act”) in December 2017
and excluding a one-time retirement bonus paid to retiring CEO, Mr.
Henderson during the quarter) vs. $.35 per diluted share for prior
year quarter
- Revenues of $147 million compared to $139 million for the prior
year quarter, current quarter includes a $1.5 million increase in
interest income and same store revenue increase of 7.1%
- Retail unit sales increase of 5.1% to 11,420 from 10,866 for
the prior year period with improved productivity at 27.2 retail
units sold per store per month, up from 25.3 for the prior year
period
- Average retail sales price increased $33 to $10,662 or 0.3%
from the prior year quarter
- Gross profit margin percentage increased to 41.5% from 40.8%
for the prior year quarter
- Collections as a percentage of average finance receivables
increased slightly to 12.5% from 12.4% for the prior year
quarter
- The weighted average contract term increased to 32.4 months
from 31.9 from the prior year quarter and decreased slightly from
32.5 for the second quarter of fiscal 2018
- Net Charge-offs as a percentage of average finance receivables
of 7.4%, down from 7.8% for prior year quarter
- Accounts over 30 days past due decreased to 4.1% from 4.7% at
January 31, 2017
- Average percentage of finance receivables current was 80.4%, up
from 79.5% at January 31, 2017
- Provision for credit losses of 29.5% of sales vs. 31.0% for
prior year quarter
- Selling, general and administrative expenses at 20.2% of sales
(19.4% excluding the one-time retirement bonus) vs. 18.7% for prior
year quarter
- Active accounts base approximately 70,300, an increase of
approximately 3,500 from April 30, 2017
- Debt to equity of 63.1% and debt to finance receivables of
29.8% (49.6% and 25.0% at 1/31/17)
- Strong cash flows supporting the $5.2 million increase in
finance receivables, $6.8 million increase in inventory, $600,000
in net capital expenditures and $6.2 million in common stock
repurchases (141,717 shares) with a $10.2 increase in total
debt
Highlights of nine-month operating
results:
- Net income of $26.3 million – $3.48 per
diluted share ($2.30 per diluted share excluding the effect of the
enactment of the Tax Cuts and Jobs Act (“Tax Act”) in December 2017
and excluding a one-time retirement bonus paid to retiring CEO, Mr.
Henderson during the third quarter) vs. $1.83 per diluted share for
prior year period
- Revenues of $443 million compared to $435 million for the prior
year period with same store revenue increase of 3.3%
- Retail unit sales increase of 0.6% to 35,189 from 34,990 for
the prior year period with improved productivity at 27.9 retail
units sold per store per month, up from 27.2 for the prior year
period
- Net Charge-offs as a percent of average finance receivables of
21.2%, down from 21.8% for prior year period
- Provision for credit losses of 28.6% of sales vs. 28.8% of
sales for prior year period
- Income tax benefit of $777,000 ($.10 per diluted share) related
to share-based compensation pursuant to accounting standard ASU
2016-09, adopted in May 2017
- Strong cash flows supporting the $30.8 million increase in
finance receivables, $8.0 million increase in inventory, $1.6
million in net capital expenditures and $26.3 million in common
stock repurchases (651,490 shares) with a $30.2 million increase in
total debt
“We are pleased with what we would consider a
good, solid quarter. Fundamentals across the board were good and
the business continues to move in the right direction. We are
especially pleased with our sales volume productivity improvement
of 7.5%, and at the same time the significant improvement with our
down-payment percentage, which can be attributed to our continuing
efforts to strengthen our inventory management processes and our
lot level sales execution efforts,” said Jeff Williams, Chief
Executive Officer. “We believe that we are further differentiating
our offering from the competition by continuing to focus on buying
quality cars at appropriate prices and then managing the entire
inventory cycle at a much higher level. We will continue to push
for improvements in this critical area. Collections were up for the
quarter, net charge-offs were down, and we saw a significant
reduction in the percentage of accounts over 30 days past due.
Again, this does not happen by accident and is the direct result of
the dedication, focus and hard work of our associates who are
passionate about helping our customers succeed. We are in a tough
business, but it’s a business with great purpose and our associates
are up to the challenge. We are proud of where we are and excited
about our future.”
“We continue to invest in our General Manager
Recruitment, Training and Advancement program. Our plan is to
support our top performing General Managers with opportunities to
serve significantly more customers, which may include additional
dealerships under their management. At the same time, we will
continue to train and support our less experienced General Managers
while recruiting talented, passionate people into the Company,”
said Mr. Williams. “We currently have several newer, less
seasoned General Managers, and we are excited to support them
and watch them grow into top performers over time.”
“We did open two new dealerships during the
quarter – one in Centerton, Arkansas and one in Bowling Green,
Kentucky, which are being managed by top performing, tenured
General Managers. We are excited about these locations and
the potential they represent. We did also close two
underperforming dealerships during the quarter, both were smaller
locations with limited potential and we believe our capital will be
better utilized in other areas,” commented Mr. Williams.
“Selling, general, and administrative
('SG&A') expenses as a percentage of sales increased for the
quarter as we continue to build an infrastructure to support a
growing business. Most recently, our investments have been heavily
focused on General Manager Recruitment, Training and Advancement,
and Collections Support as well as improvements with our sales and
marketing efforts,” said Vickie Judy, Chief Financial Officer.
“SG&A during the third quarter was up due to the payment of
$1.1 million ($0.10 per diluted share) as a retirement bonus to our
retiring CEO, Hank Henderson, along with increased bonus and
commission accruals because of the increased net income. Several of
our associates are compensated based on net income and the benefit
of the lower tax rates will result in increased pay for these
hard-working associates. We were excited to see the increase
in sales volume productivity, and we expect productivity will
continue to improve as we move forward, which will allow us to
leverage our expenses.”
“A decrease in provision for income taxes of
$9.7 million was recorded primarily due to the enactment of the Tax
Cuts and Jobs Act in December 2017. While the new federal statutory
rate was not effective until January 1, 2018, we were required to
revalue deferred taxes as of December 31, 2017 at the new federal
statutory rate and adjust current net tax liabilities to a
‘blended’ base rate of 33% for fiscal 2018 as required by the Tax
Act based on the number of days the new rates were in effect.
Based on currently enacted federal and state statutory income tax
rates, we believe our long-term effective tax rate will decrease
from approximately 37% in past years to approximately 24% in fiscal
2019 and future years,” explained Ms. Judy.
“We repurchased 141,717 shares of common stock
(2.0%) during the quarter at an average price of approximately
$43.80. Since February 2010 we have repurchased 5.5 million shares
(47%) at an average price of approximately $33. We plan to continue
to repurchase shares opportunistically as we move forward. In
the last nine months, we have added $31 million in receivables,
repurchased $26 million of our common stock, funded $1.5 million in
net capital expenditures, and increased inventory by $8 million to
support higher sales levels with only a $30 million increase in
debt. Our balance sheet is still very strong with debt to finance
receivables ratio of 29.8% compared to 25% at this time last year,”
added Ms. Judy. “Our cash-on-cash returns continue to be very
strong, and we will endeavor to be the lowest cost operator in the
industry while being mindful of the continuing infrastructure
investment needs in the key areas of the business.”
Conference Call
Management will be holding a conference call on
Tuesday, February 20, 2018 at 11:00 a.m. Eastern Time to discuss
quarterly results. A live audio of the conference call will
be accessible to the public by calling (877) 776-4031.
International callers dial (631) 291-4132. Callers should
dial in approximately 10 minutes before the call begins. A
conference call replay will be available two hours following the
call for thirty days and can be accessed by calling (855) 859-2056
(domestic) or (404) 537-3406 (international), conference call ID #
6788638.
About America's Car-Mart
America’s Car-Mart, Inc. (the “Company”)
operates 140 automotive dealerships in eleven states and is one of
the largest publicly held automotive retailers in the United States
focused exclusively on the “Integrated Auto Sales and Finance”
segment of the used car market. The Company emphasizes
superior customer service and the building of strong personal
relationships with its customers. The Company operates its
dealerships primarily in small cities throughout the South-Central
United States selling quality used vehicles and providing financing
for substantially all of its customers. For more information,
including investor presentations, on America’s Car-Mart, please
visit our website at www.car-mart.com.
This press release contains “forward-looking
statements” within the meaning of the Private Securities Litigation
Reform Act of 1995. These forward-looking statements address
the Company’s future objectives, plans and goals, as well as the
Company’s intent, beliefs and current expectations regarding future
operating performance and can generally be identified by words such
as “may,” “will,” “should,” “could, “believe,” “expect,”
“anticipate,” “intend,” “plan,” “foresee,” and other similar words
or phrases. Specific events addressed by these
forward-looking statements include, but are not limited to:
- new dealership openings;
- performance of new dealerships;
- same store revenue growth;
- future overall revenue growth;
- the Company’s collection results, including but not limited to
collections during income tax refund periods;
- repurchases of the Company’s common stock; and
- the Company’s business and growth strategies and plans.
These forward-looking statements are based on
the Company’s current estimates and assumptions and involve various
risks and uncertainties. As a result, you are cautioned that
these forward-looking statements are not guarantees of future
performance, and that actual results could differ materially from
those projected in these forward-looking statements. Factors
that may cause actual results to differ materially from the
Company’s projections include, but are not limited to:
- the availability of credit facilities to support the Company’s
business;
- the Company’s ability to underwrite and collect its accounts
effectively, including but not limited to collections during income
tax refund periods;
- competition;
- dependence on existing management;
- availability of quality vehicles at prices that will be
affordable to customers;
- changes in financing laws or regulations; and
- general economic conditions in the markets in which the Company
operates, including but not limited to fluctuations in gas prices,
grocery prices and employment levels.
Additionally, risks and uncertainties that may
affect future results include those described from time to time in
the Company’s SEC filings. The Company undertakes no obligation to
update or revise any forward-looking statements, whether as a
result of new information, future events or otherwise. You
are cautioned not to place undue reliance on these forward-looking
statements, which speak only as of the dates on which they are
made.
|
America's Car-Mart, Inc. |
Consolidated Results of
Operations |
(Operating Statement Dollars in Thousands) |
|
|
|
|
|
|
|
% Change |
|
As a % of Sales |
|
|
Three Months Ended |
|
2018 |
|
Three Months Ended |
|
|
January 31, |
|
vs. |
|
January 31, |
|
|
2018 |
|
2017 |
|
2017 |
|
2018 |
|
2017 |
Operating Data: |
|
|
|
|
|
|
|
|
|
|
|
Retail
units sold |
|
|
11,420 |
|
|
|
10,866 |
|
|
5.1 |
% |
|
|
|
|
|
Average
number of stores in operation |
|
|
140 |
|
|
|
143 |
|
|
(2.1 |
) |
|
|
|
|
|
Average
retail units sold per store per month |
|
|
27.2 |
|
|
|
25.3 |
|
|
7.5 |
|
|
|
|
|
|
Average
retail sales price |
|
$ |
10,662 |
|
|
$ |
10,629 |
|
|
0.3 |
|
|
|
|
|
|
Same
store revenue growth |
|
|
7.1% |
|
|
|
1.1% |
|
|
|
|
|
|
|
|
Net charge-offs as a percent of average finance
receivables |
|
7.4% |
|
|
|
7.8% |
|
|
|
|
|
|
|
|
Collections as a percent of average finance receivables |
|
|
12.5% |
|
|
|
12.4% |
|
|
|
|
|
|
|
|
Average percentage of finance receivables-current (excl. 1-2
day) |
|
80.4% |
|
|
|
79.5% |
|
|
|
|
|
|
|
|
Average
down-payment percentage |
|
|
5.5% |
|
|
|
4.3% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Period End Data: |
|
|
|
|
|
|
|
|
|
|
|
Stores
open |
|
|
140 |
|
|
|
143 |
|
|
(2.1 |
)% |
|
|
|
|
|
Accounts
over 30 days past due |
|
|
4.1% |
|
|
|
4.7% |
|
|
|
|
|
|
|
|
Finance
receivables, gross |
|
$ |
497,652 |
|
|
$ |
475,354 |
|
|
4.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating
Statement: |
|
|
|
|
|
|
|
|
|
|
|
Revenues: |
|
|
|
|
|
|
|
|
|
|
|
Sales |
|
$ |
128,166 |
|
|
$ |
121,263 |
|
|
5.7 |
% |
|
100.0 |
% |
|
100.0 |
% |
Interest
income |
|
|
19,048 |
|
|
|
17,521 |
|
|
8.7 |
|
|
14.9 |
|
|
14.4 |
|
Total |
|
|
147,214 |
|
|
|
138,784 |
|
|
6.1 |
|
|
114.9 |
|
|
114.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Costs and
expenses: |
|
|
|
|
|
|
|
|
|
|
|
Cost of
sales |
|
|
74,951 |
|
|
|
71,836 |
|
|
4.3 |
|
|
58.5 |
|
|
59.2 |
|
Selling,
general and administrative |
|
|
25,945 |
|
|
|
22,654 |
|
|
14.5 |
|
|
20.2 |
|
|
18.7 |
|
Provision
for credit losses |
|
|
37,872 |
|
|
|
37,645 |
|
|
0.6 |
|
|
29.5 |
|
|
31.0 |
|
Interest
expense |
|
|
1,482 |
|
|
|
1,060 |
|
|
39.8 |
|
|
1.2 |
|
|
0.9 |
|
Depreciation and amortization |
|
|
1,057 |
|
|
|
1,059 |
|
|
(0.2 |
) |
|
0.8 |
|
|
0.9 |
|
Loss on
disposal of property and equipment |
|
|
84 |
|
|
|
7 |
|
|
1,100.0 |
|
|
0.1 |
|
|
0.0 |
|
Total |
|
|
141,391 |
|
|
|
134,261 |
|
|
5.3 |
|
|
110.3 |
|
|
110.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Income
before taxes |
|
|
5,823 |
|
|
|
4,523 |
|
|
|
|
4.5 |
|
|
3.7 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Benefit)
Provision for income taxes |
|
|
(7,556 |
) |
|
|
1,687 |
|
|
|
|
(5.9 |
) |
|
1.4 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Net
income |
|
$ |
13,379 |
|
|
$ |
2,836 |
|
|
|
|
10.4 |
|
|
2.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Dividends
on subsidiary preferred stock |
|
$ |
(10 |
) |
|
$ |
(10 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net
income attributable to common shareholders |
|
$ |
13,369 |
|
|
$ |
2,826 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Earnings
per share: |
|
|
|
|
|
|
|
|
|
|
|
Basic |
|
$ |
1.88 |
|
|
$ |
0.36 |
|
|
|
|
|
|
|
|
Diluted |
|
$ |
1.82 |
|
|
$ |
0.35 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Weighted
average number of shares used in calculation: |
|
|
|
|
|
|
|
|
|
|
|
Basic |
|
|
7,106,715 |
|
|
|
7,893,737 |
|
|
|
|
|
|
|
|
Diluted |
|
|
7,345,428 |
|
|
|
8,175,754 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
America's Car-Mart, Inc. |
Consolidated Results of
Operations |
(Operating Statement Dollars in Thousands) |
|
|
|
|
|
% Change |
|
As a % of Sales |
|
|
Nine Months Ended |
|
2018 |
|
Nine Months Ended |
|
|
January 31, |
|
vs. |
|
January 31, |
|
|
2018 |
|
2017 |
|
2017 |
|
2018 |
|
2017 |
Operating Data: |
|
|
|
|
|
|
|
|
|
|
|
Retail
units sold |
|
|
35,189 |
|
|
|
34,990 |
|
|
0.6 |
% |
|
|
|
|
|
Average
number of stores in operation |
|
|
140 |
|
|
|
143 |
|
|
(2.1 |
) |
|
|
|
|
|
Average
retail units sold per store per month |
|
|
27.9 |
|
|
|
27.2 |
|
|
2.6 |
|
|
|
|
|
|
Average
retail sales price |
|
$ |
10,487 |
|
|
$ |
10,500 |
|
|
(0.1 |
) |
|
|
|
|
|
Same
store revenue growth |
|
|
3.3% |
|
|
|
4.2% |
|
|
|
|
|
|
|
|
Net charge-offs as a percent of average finance
receivables |
|
21.2% |
|
|
|
21.8% |
|
|
|
|
|
|
|
|
Collections as a percent of average finance receivables |
|
|
37.2% |
|
|
|
37.9% |
|
|
|
|
|
|
|
|
Average percentage of finance receivables-current (excl. 1-2
day) |
|
80.5% |
|
|
|
80.0% |
|
|
|
|
|
|
|
|
Average
down-payment percentage |
|
|
5.8% |
|
|
|
5.3% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Period End Data: |
|
|
|
|
|
|
|
|
|
|
|
Stores
open |
|
|
140 |
|
|
|
143 |
|
|
(2.1 |
)% |
|
|
|
|
|
Accounts
over 30 days past due |
|
|
4.1% |
|
|
|
4.7% |
|
|
|
|
|
|
|
|
Finance
receivables, gross |
|
$ |
497,652 |
|
|
$ |
475,354 |
|
|
4.7 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Operating
Statement: |
|
|
|
|
|
|
|
|
|
|
|
Revenues: |
|
|
|
|
|
|
|
|
|
|
|
Sales |
|
$ |
386,867 |
|
|
$ |
384,117 |
|
|
0.7 |
% |
|
100.0 |
% |
|
100.0 |
% |
Interest
income |
|
|
55,883 |
|
|
|
50,717 |
|
|
10.2 |
|
|
14.4 |
|
|
13.2 |
|
Total |
|
|
442,750 |
|
|
|
434,834 |
|
|
1.8 |
|
|
114.4 |
|
|
113.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Costs and
expenses: |
|
|
|
|
|
|
|
|
|
|
|
Cost of
sales |
|
|
225,780 |
|
|
|
225,346 |
|
|
0.2 |
|
|
58.4 |
|
|
58.7 |
|
Selling,
general and administrative |
|
|
73,537 |
|
|
|
68,476 |
|
|
7.4 |
|
|
19.0 |
|
|
17.8 |
|
Provision
for credit losses |
|
|
110,778 |
|
|
|
110,467 |
|
|
0.3 |
|
|
28.6 |
|
|
28.8 |
|
Interest
expense |
|
|
3,978 |
|
|
|
3,040 |
|
|
30.9 |
|
|
1.0 |
|
|
0.8 |
|
Depreciation and amortization |
|
|
3,244 |
|
|
|
3,235 |
|
|
0.3 |
|
|
0.8 |
|
|
0.8 |
|
Loss on
disposal of property and equipment |
|
|
188 |
|
|
|
406 |
|
|
(53.7 |
) |
|
0.0 |
|
|
0.1 |
|
Total |
|
|
417,505 |
|
|
|
410,970 |
|
|
1.6 |
|
|
107.9 |
|
|
107.0 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Income
before taxes |
|
|
25,245 |
|
|
|
23,864 |
|
|
|
|
6.5 |
|
|
6.2 |
|
|
|
|
|
|
|
|
|
|
|
|
|
(Benefit)
Provision for income taxes |
|
|
(1,095 |
) |
|
|
8,901 |
|
|
|
|
(0.3 |
) |
|
2.3 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Net
income |
|
$ |
26,340 |
|
|
$ |
14,963 |
|
|
|
|
6.8 |
|
|
3.9 |
|
|
|
|
|
|
|
|
|
|
|
|
|
Dividends
on subsidiary preferred stock |
|
$ |
(30 |
) |
|
$ |
(30 |
) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Net
income attributable to common shareholders |
|
$ |
26,310 |
|
|
$ |
14,933 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Earnings
per share: |
|
|
|
|
|
|
|
|
|
|
|
Basic |
|
$ |
3.59 |
|
|
$ |
1.89 |
|
|
|
|
|
|
|
|
Diluted |
|
$ |
3.48 |
|
|
$ |
1.83 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Weighted
average number of shares used in calculation: |
|
|
|
|
|
|
|
|
|
|
|
Basic |
|
|
7,336,687 |
|
|
|
7,891,908 |
|
|
|
|
|
|
|
|
Diluted |
|
|
7,556,255 |
|
|
|
8,165,931 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
America's Car-Mart, Inc. |
Consolidated Balance Sheet and Other
Data |
(Dollars in Thousands) |
|
|
|
January 31, |
|
April 30, |
|
January 31, |
|
|
2018 |
|
2017 |
|
2017 |
|
|
|
|
|
|
|
Cash and cash
equivalents |
|
$ |
534 |
|
$ |
434 |
|
$ |
254 |
Finance receivables,
net |
|
$ |
380,384 |
|
$ |
357,161 |
|
$ |
363,536 |
Inventory |
|
$ |
38,094 |
|
$ |
30,129 |
|
$ |
32,303 |
Total assets |
|
$ |
455,848 |
|
$ |
424,258 |
|
$ |
434,651 |
Total debt |
|
$ |
148,172 |
|
$ |
117,944 |
|
$ |
118,785 |
Treasury stock |
|
$ |
188,319 |
|
$ |
162,024 |
|
$ |
149,710 |
Stockholders'
equity |
|
$ |
234,856 |
|
$ |
233,008 |
|
$ |
239,318 |
Shares outstanding |
|
|
7,056,179 |
|
|
7,608,471 |
|
|
7,921,954 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Finance
receivables: |
|
|
|
|
|
|
Principal balance |
$ |
497,652 |
|
$ |
466,854 |
|
$ |
475,354 |
Deferred revenue - payment protection plan |
|
(18,908) |
|
|
(18,472) |
|
|
(18,158) |
Deferred revenue - service contract |
|
(9,672) |
|
|
(9,611) |
|
|
(9,924) |
Allowance for credit losses |
|
(117,268) |
|
|
(109,693) |
|
|
(111,818) |
|
|
|
|
|
|
|
Finance receivables, net of allowance and deferred revenue |
$ |
351,804 |
|
$ |
329,078 |
|
$ |
335,454 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance as % of principal balance net of deferred
revenue |
|
25.0% |
|
|
25.0% |
|
|
25.0% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Changes in
allowance for credit losses: |
|
|
|
|
|
|
|
Nine months |
|
|
|
|
ended January 31, |
|
|
|
|
2018 |
|
2017 |
|
|
Balance at beginning of period |
$ |
109,693 |
|
$ |
102,485 |
|
|
Provision for credit losses |
|
110,778 |
|
|
110,467 |
|
|
Charge-offs, net of collateral recovered |
|
(103,203) |
|
|
(101,134) |
|
|
Balance
at end of period |
|
$ |
117,268 |
|
$ |
111,818 |
|
|
|
|
|
|
|
|
|
Contacts: Jeffrey A. Williams, President and CEO or
Vickie D. Judy, CFO at (479) 464-9944
Americas Car Mart (NASDAQ:CRMT)
Historical Stock Chart
From Mar 2024 to Apr 2024
Americas Car Mart (NASDAQ:CRMT)
Historical Stock Chart
From Apr 2023 to Apr 2024