REGIONAL MANAGEMENT (RM) Stock: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$33.57
-0.18 (-0.53%)
âŧ
5d:
+0.57%
30d:
+7.32%
90d:
-18.34%
WAIT
LOW Confidence
Analysis Updated: Oct 21, 2026 12:00 AM ET
Earnings: Oct 28, 2026
5d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: RM is fairly priced but lacks strong directional signals. At 2.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: RM is fairly priced but lacks strong directional signals. At 2.2% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$54.19
Based on 11.8% avg growth
INTRINSIC VALUE TODAY
$33.65
0.2% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RM is currently trading at $33.57, which is considered slightly high relative to its 30-day fair value range of $31.04 to $33.77. The stock's valuation (Forward PE: 5.7) is in line with its historical norms (5.3). At these levels, the market is pricing in 2.2% annual earnings growth.
Technical Outlook: Technically, RM is in a strong downtrend. The price is currently testing key support at $32.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 42/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $43.83 (+30.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, RM is in a strong downtrend. The price is currently testing key support at $32.68. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 42/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $43.83 (+30.6%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$31.04 -
$33.77
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
68.6%
All Signals
- NEUTRAL: Mixed technical signals (42/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 30.6% below Wall St target ($43.83)
- BULLISH: Expecting earnings turnaround to 2.2% growth with 6.0% revenue growth
- WARNING: Composite score 42/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$31.04 -
$33.77
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$32.68
Resistance Level
$35.11
Current Trend
Strong Downtrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.70
Wall Street Target
$43.83
(+30.6%)
Revenue Growth (YoY)
6.0%
Earnings Growth (YoY)
-17.5%
Profit Margin
7.2%
Valuation Premium vs History
+2.2% premium
PE vs Historical
5.7 vs 5.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.2%
(market-implied from PE analysis)
1-Year Target
$34.31
(+2%)
2-Year Target
$35.06
(+4%)
3-Year Target
$35.83
(+7%)
3-Yr Target (if PE normalizes)
(PE: 6â5)
PE COMPRESSION
$33.32
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 19.6%)
$200.09
(+496%)
Base:
(SPY PE: 5.7, Growth: 19.6%)
$57.42
(+71%)
Bear:
(PE: 4.8, Growth: 19.6%)
$48.81
(+45%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (7x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 7.17 | Current EPS (TTM): $4.71
Bull Case
$46.43
(+38%)
Analyst growth 25.1%, PE expands to 7.9
Base Case
$42.21
(+26%)
Market implied 25.1%, PE stable at 7.2
Bear Case
$22.95
(-32%)
Severe decline -20.0%, PE contracts to 6.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 22, 2026 9:32 AM ET
Data refreshes hourly during market hours. Next update: 10:32 AM
Data refreshes hourly during market hours. Next update: 10:32 AM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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