Americas Car-Mart (CRMT) CAO records tax-withholding share disposition

Rhea-AI Filing Summary

Americas Car-Mart Inc Chief Accounting Officer reports a routine tax-related share disposition. On May 22, 2026, 1,067 shares of Common Stock were withheld at $11.88 per share to cover tax obligations, rather than sold on the open market.

After this tax-withholding disposition, the officer directly holds 31,818.9902 shares of Common Stock. A footnote states that these holdings include 3,230.9902 shares under the America's Car-Mart, Inc. Employee Stock Purchase Plan, of which 668.0691 shares were acquired since May 22, 2025.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Judy Vickie D.

Role Chief Accounting Officer

Type	Security	Shares	Price	Value
Tax Withholding	Common Stock	1,067	$11.88	$13K

Holdings After Transaction: Common Stock — 31,818.99 shares (Direct, null)

Footnotes (1)

1. [object Object]

Key Figures

Tax-withheld shares: 1,067 shares Withholding price: $11.88 per share Shares after transaction: 31,818.9902 shares +2 more

5 metrics

Tax-withheld shares 1,067 shares Common Stock withheld on May 22, 2026

Withholding price $11.88 per share Price used for tax-withholding disposition

Shares after transaction 31,818.9902 shares Direct Common Stock holdings following disposition

ESPP shares held 3,230.9902 shares Employee Stock Purchase Plan holdings included in total

Recent ESPP acquisitions 668.0691 shares ESPP shares acquired since May 22, 2025

Key Terms

tax-withholding disposition, Common Stock, Employee Stock Purchase Plan

3 terms

tax-withholding disposition financial

"1,067 shares of Common Stock were withheld at $11.88 per share to cover tax obligations"

A tax-withholding disposition is an event or transaction—such as selling or transferring securities, exercising options, or receiving compensation—that triggers a requirement to hold back part of the payment and remit it to tax authorities. It matters to investors because it reduces the cash they receive immediately and can change the timing and amount of taxable income, like a cashier taking a portion of your sale proceeds to pay taxes before you get the rest.

Common Stock financial

"1,067 shares of Common Stock were withheld at $11.88 per share"

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

Employee Stock Purchase Plan financial

"Includes 3,230.9902 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan"

An employee stock purchase plan is a company program that lets workers buy shares through small payroll deductions, often at a discount to the market price and after a set offering period. Think of it like a workplace savings plan that turns into ownership: it encourages employees to share in the company’s success and can create predictable buying or selling of stock that investors watch because it affects supply, demand and employee incentives.

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Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Judy Vickie D.

(Last) (First) (Middle)

C/O AMERICA'S CAR-MART, INC.

1805 N. 2ND STREET, SUITE 401

(Street)

ROGERS ARKANSAS 72756

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
AMERICAS CARMART INC [ CRMT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Chief Accounting Officer

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
05/22/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	05/22/2026		F		1,067	D	$11.88	31,818.9902(1)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Includes 3,230.9902 shares held by the reporting person under the America's Car-Mart, Inc. Employee Stock Purchase Plan, of which 668.0691 shares were acquired since May 22, 2025.

	/s/ Courtney C. Crouch, III, Pursuant to a Power of Attorney	05/27/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What did Americas Car-Mart (CRMT) disclose in this Form 4 for its Chief Accounting Officer?

Americas Car-Mart reported a tax-withholding disposition by its Chief Accounting Officer involving 1,067 Common Stock shares. These shares were withheld at $11.88 per share to satisfy tax obligations, not sold in an open-market transaction, and the officer retained a sizeable remaining share position.

How many Americas Car-Mart (CRMT) shares were affected by the May 22, 2026 tax withholding?

The transaction covered 1,067 shares of Americas Car-Mart Common Stock on May 22, 2026. These shares were withheld at $11.88 per share to pay taxes linked to equity compensation, reflecting an administrative adjustment rather than a discretionary market sale by the executive.

What are the Chief Accounting Officer’s Americas Car-Mart (CRMT) holdings after this Form 4 transaction?

Following the tax-withholding disposition, the Chief Accounting Officer directly holds 31,818.9902 Americas Car-Mart Common Stock shares. This total includes 3,230.9902 shares in the company’s Employee Stock Purchase Plan, indicating the executive maintains a meaningful equity stake after satisfying related tax liabilities.

How many Americas Car-Mart (CRMT) Employee Stock Purchase Plan shares does the officer hold?

The footnote explains the officer holds 3,230.9902 shares through the America's Car-Mart, Inc. Employee Stock Purchase Plan. Of this amount, 668.0691 shares were acquired since May 22, 2025, highlighting ongoing participation in the company’s employee share purchase program over that period.

Is the Americas Car-Mart (CRMT) Form 4 transaction an open-market sale by the executive?

No, the Americas Car-Mart Form 4 describes a tax-withholding disposition, not an open-market sale. The 1,067 shares were withheld by the issuer at $11.88 per share to cover tax obligations tied to equity compensation, while the executive maintains direct ownership of remaining shares.