REGIONAL MANAGEMENT (RM) Stock: Buy, Sell, or Hold?
RM - REGIONAL MANAGEMENT CORP
$30.99
0.76 (2.51%)
▲
5d:
+1.94%
30d:
-2.64%
90d:
-25.61%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 04, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: RM shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: RM shows conflicting indicators. Wait for confirmation before entering.
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
7.9% 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 $30.99, which is considered oversold relative to its 30-day fair value range of $31.00 to $33.21. The stock's valuation (Forward PE: 5.3) is in line with its historical norms (5.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, RM is in a downtrend. Immediate support is located at $29.89, while resistance sits at $32.28.
Market Sentiment: The stock scores a mixed 41/100 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 (+41.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, RM is in a downtrend. Immediate support is located at $29.89, while resistance sits at $32.28.
Market Sentiment: The stock scores a mixed 41/100 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 (+41.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$31.00 -
$33.21
Company Quality Score
48/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 41.4% below Wall St target ($43.83)
- WARNING: Composite score 48/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$31.00 -
$33.21
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$29.89
Resistance Level
$32.28
Current Trend
Downtrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
5.26
Wall Street Target
$43.83
(+41.4%)
Revenue Growth (YoY)
6.0%
Earnings Growth (YoY)
-17.5%
Profit Margin
7.2%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
5.3 vs 5.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$30.87
(0%)
2-Year Target
$30.74
(-1%)
3-Year Target
$30.62
(-1%)
3-Yr Target (if PE normalizes)
(PE: 5→5)
$30.84
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 19.6%)
$205.53
(+563%)
Base:
(SPY PE: 5.3, Growth: 19.6%)
$53.01
(+71%)
Bear:
(PE: 4.5, Growth: 19.6%)
$45.06
(+45%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (6x PE), but valuation improves significantly next year (5x PE) as earnings recover.
Trailing PE: 6.43 | Current EPS (TTM): $4.70
Bull Case
$41.67
(+35%)
Analyst growth 25.3%, PE expands to 7.1
Base Case
$37.88
(+22%)
Market implied 25.3%, PE stable at 6.4
Bear Case
$20.56
(-34%)
Severe decline -20.0%, PE contracts to 5.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 5.3 to 5.3
Stabilization Target:
$31.22
(+0.7%)
PE Expansion Potential:
+0.7%
Share & Embed Analysis
Last updated: October 02, 2026 4:50 AM ET
Data refreshes hourly during market hours. Next update: 5:50 AM
Data refreshes hourly during market hours. Next update: 5:50 AM
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Technical Signals Check
Is RM showing a specific setup today?
Insider Activity (6 Months)
0
Buys
12
Sells
Net
INSIDERS SELLING
Recent Transactions
Fund L.P. Forager
SELL
5788 shares
2026-04-21
Fund L.P. Forager
SELL
15000 shares
2026-04-20
Brian J Fisher
SELL
2961 shares
2026-04-17
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