CRMT / America's Car-Mart, Inc. - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

America's Car-Mart, Inc.
US ˙ NasdaqGS ˙ US03062T1051

Mga Batayang Estadistika
CIK 799850
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to America's Car-Mart, Inc.
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
September 4, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 4, 2025 America's Car-M

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 4, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

September 4, 2025 EX-99.1

America's Car-Mart Reports First Quarter Fiscal Year 2026 Results

EXHIBIT 99.1 America's Car-Mart Reports First Quarter Fiscal Year 2026 Results ROGERS, Ark., Sept. 04, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the first quarter ended July 31, 2025. First Quarter Key Highlights (FY’26 Q1 vs. FY’25 Q1, unless otherwise noted) Total revenue was $341.3 million, down 1.9%

September 2, 2025 EX-10.1

PURCHASE AGREEMENT dated as of August 28, 2025 COLONIAL AUTO FINANCE, INC., as Seller ACM FUNDING, LLC, as Purchaser Table of Contents

Exhibit 10.1 PURCHASE AGREEMENT dated as of August 28, 2025 between COLONIAL AUTO FINANCE, INC., as Seller and ACM FUNDING, LLC, as Purchaser Table of Contents Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Interpretive Provisions 1 ARTICLE II PURCHASE 2 SECTION 2.1 Agreement to Sell and Contribute on the Closing Date 2 SECTION 2.2 Consideration and Payment 2 AR

September 2, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 28, 2025 AMERICA’S CAR-MART

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 28, 2025 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

September 2, 2025 EX-10.2

SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2025-3, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee, Calculation Agent and Paying Agent and SYSTEMS &

Exhibit 10.2 SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2025-3, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee, Calculation Agent and Paying Agent and SYSTEMS & SERVICES TECHNOLOGIES, INC., as Backup Servicer Dated as of August 28, 2025 Table of Contents Page ARTICLE I DEFINITIONS AND USAGE 1 SECT

September 2, 2025 EX-99.1

America’s Car-Mart, Inc. Completes $172 Million Term Securitization Weighted average coupon improved 81 basis points from prior May 2025 securitization

EXHIBIT 99.1 America’s Car-Mart, Inc. Completes $172 Million Term Securitization Weighted average coupon improved 81 basis points from prior May 2025 securitization ROGERS, Ark., Aug. 29, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), announced today that it has completed a term securitization transaction involving the issuance of $172 million

September 2, 2025 EX-4.1

ACM AUTO TRUST 2025-3 Class A 5.01% Auto Loan Asset Backed Notes Class B 6.08% Auto Loan Asset Backed Notes Dated as of August 28, 2025 ___________________ DEUTSCHE BANK NATIONAL TRUST COMPANY, as the Indenture Trustee TABLE OF CONTENTS

Exhibit 4.1 ACM AUTO TRUST 2025-3 Class A 5.01% Auto Loan Asset Backed Notes Class B 6.08% Auto Loan Asset Backed Notes INDENTURE Dated as of August 28, 2025 DEUTSCHE BANK NATIONAL TRUST COMPANY, as the Indenture Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 SECTION 1.1 Definitions 2 SECTION 1.2 Other Interpretive Provisions 2 ARTICLE II THE NOTES 2 SECTION

August 15, 2025 ARS

2025 Annual Report

2025 Annual Report Dear Fellow Shareholders, I am encouraged by the resilience of America's Car-Mart and the strategic progress we made during fiscal year 2025 amid persistent inflation and vehicle affordability challenges.

August 15, 2025 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

August 15, 2025 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

August 14, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 13, 2025 America's Car-Mar

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 13, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

August 14, 2025 EX-99.1

America’s Car-Mart, Inc. Regains Compliance With Nasdaq Filing Requirements

EXHIBIT 99.1 America’s Car-Mart, Inc. Regains Compliance With Nasdaq Filing Requirements ROGERS, Ark., Aug. 14, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), today announced that, the Company has regained compliance with the periodic filing requirement under The Nasdaq Stock Market LLC Listing Rule 5250(c)(1) (the “Rule”) based on the Company’s fili

August 8, 2025 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America’s Car-Mart, Inc. America’s Car Mart, Inc. (an Arkansas Corporation) Colonial Auto Finance, Inc. (an Arkansas Corporation) ACM Funding, LLC (a Delaware limited liability company) ACM Auto Trust 2023-1 (a Delaware statutory trust) ACM Auto Trust 2023-2 (a Delaware statutory trust) ACM Auto Trust 2024-1 (a Delaware statutory trust) ACM Auto Trust 2024-2 (a Delawar

August 8, 2025 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2025 OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AM

August 8, 2025 EX-97.1

America’s Car-Mart

Exhibit 97.1 CLAWBACK POLICY Adopted November 30, 2023 I.Purpose In accordance with the applicable rules of the Nasdaq Stock Market (“NASDAQ”) and Section 10D of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) and Rule 10D-1 promulgated thereunder, the Board of Directors (the “Board”) of America’s Car-Mart, Inc. (the “Company”) adopts this Clawback Policy (the “Policy”) to pro

August 1, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 31, 2025 America's Car-Mart

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 31, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

August 1, 2025 EX-99.1

America’s Car-Mart, Inc. Receives Notice of Non-Compliance With Nasdaq Listing Rule 5250(c)(1)

EXHIBIT 99.1 America’s Car-Mart, Inc. Receives Notice of Non-Compliance With Nasdaq Listing Rule 5250(c)(1) ROGERS, Ark., Aug. 01, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), today announced it received an expected notice (the “Notice”) from the Listing Qualifications Staff of The Nasdaq Stock Market LLC (“Nasdaq”) indicating that, as a result of

July 30, 2025 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 America's Car-Mart

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

July 30, 2025 EX-99.1

America’s Car-Mart, Inc. Provides Update on Status of Its Annual Report on Form 10-K

EXHIBIT 99.1 America’s Car-Mart, Inc. Provides Update on Status of Its Annual Report on Form 10-K ROGERS, Ark., July 30, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), today announced that it is continuing its work to complete certain omitted disclosures to be included in the Company’s Annual Report on Form 10-K for the fiscal year ended April 30, 20

July 15, 2025 NT 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check One): [X] Form 10-K [  ] Form 20-F [  ] Form 11-K [  ] Form 10-Q [  ] Form 10-D [  ] Form N-CEN [  ] Form N-CSR For Period Ended: April 30, 2025 [  ] Transition Report on Form 10-K [  ] Transition Report on Form 20-F [  ] Transition Report on Form 11-K [  ] Transition Report on Fo

June 26, 2025 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America's Car-Mart, Inc. 401(K) Plan (F

June 12, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 12, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

June 12, 2025 EX-99.1

America’s Car-Mart Reports Fourth Quarter and Fiscal Year 2025 Results

EXHIBIT 99.1 America’s Car-Mart Reports Fourth Quarter and Fiscal Year 2025 Results ROGERS, Ark, June 12, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the fourth quarter and full year ended April 30, 2025. Fourth Quarter Key Highlights (FY’25 Q4 vs. FY’24 Q4, unless otherwise noted) Total revenue was $370.

June 4, 2025 EX-10.1

Purchase Agreement, dated May 29, 2025, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC.

Exhibit 10.1 EXECUTION VERSION PURCHASE AGREEMENT dated as of May 29, 2025 between COLONIAL AUTO FINANCE, INC., as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Interpretive Provisions 1 ARTICLE II PURCHASE 2 SECTION 2.1 Agreement to Sell and Contribute on the Closing Date 2 SECTION 2.2 Consideration a

June 4, 2025 EX-99.1

AMERICA’S CAR-MART, Inc. Completes $216 Million Term Securitization

Exhibit 99.1 AMERICA’S CAR-MART, Inc. Completes $216 Million Term Securitization Rogers, AR, May 30, 2025 – America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), announced today that it has completed a term securitization transaction involving the issuance of $216 million in principal amount of asset-backed notes with an overall weighted average coupon of 6.27%. ACM Auto Tru

June 4, 2025 EX-4.1

Indenture, dated May 29, 2025, by and between ACM Auto Trust 2025-2 and Deutsche Bank National Trust Company, as Indenture Trustee.

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2025-2 Class A 5.55% Auto Loan Asset Backed Notes Class B 7.25% Auto Loan Asset Backed Notes INDENTURE Dated as of May 29, 2025 DEUTSCHE BANK NATIONAL TRUST COMPANY, as the Indenture Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 SECTION 1.1 Definitions 2 SECTION 1.2 Other Interpretive Provisions 2 ARTICLE II THE N

June 4, 2025 EX-10.2

Sale and Servicing Agreement, dated May 29, 2025, by and among ACM Auto Trust 2025-2, ACM Funding, LLC, America’s Car Mart, Inc., and Deutsche Bank National Trust Company, as Indenture Trustee, Calculation Agent, and Paying Agent, and Systems & Services Technologies, Inc. as Backup Servicer (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on June 4, 2025).

Exhibit 10.2 EXECUTION VERSION SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2025-2, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee, Calculation Agent and Paying Agent and SYSTEMS & SERVICES TECHNOLOGIES, INC., as Backup Servicer Dated as of May 29, 2025 TABLE OF CONTENTS Page ARTICLE I DEFINITIONS A

June 4, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 29, 2025 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file nu

May 13, 2025 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 8, 2025 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file num

May 13, 2025 EX-10.1

Offer Letter, dated as of May 6, 2025, between America’s Car Mart, Inc., an Arkansas corporation, and Jonathan Collins.

Exhibit 10.1 Jonathan Collins May 6, 2025 [Address] [City, State Zip] Dear Jonathan, 1. Offer and Position We are very pleased to extend an offer of employment to you for the position of Chief Financial Officer of America’s Car Mart, Inc., an Arkansas corporation (the "Company"). This position is a Section 16 officer for America’s Car-Mart, Inc., a Texas corporation (the “Parent Company”), which m

May 13, 2025 EX-99.1

America’s Car-Mart, Inc. Announces Chief Financial Officer Transition Jonathan Collins named Chief Financial Officer, effective May 12, 2025, succeeding Vickie Judy who will transition to Chief Accounting Officer

EXHIBIT 99.1 America’s Car-Mart, Inc. Announces Chief Financial Officer Transition Jonathan Collins named Chief Financial Officer, effective May 12, 2025, succeeding Vickie Judy who will transition to Chief Accounting Officer ROGERS, Ark., May 08, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today announced that Jonathan Collins will assume t

March 13, 2025 EX-99.1

America’s Car-Mart Reports Third Quarter Fiscal Year 2025 Results

EXHIBIT 99.1 America’s Car-Mart Reports Third Quarter Fiscal Year 2025 Results ROGERS, Ark., March 06, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the third quarter ended January 31, 2025. Third Quarter Key Highlights (FY’25 Q3 vs. FY’24 Q3, unless otherwise noted) Total revenue was $325.7 million, up 8.7

March 13, 2025 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 6, 2025 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation

March 10, 2025 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 6, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

March 10, 2025 EX-99.1

America’s Car-Mart Reports Third Quarter Fiscal Year 2025 Results

EXHIBIT 99.1 America’s Car-Mart Reports Third Quarter Fiscal Year 2025 Results ROGERS, Ark., March 06, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the third quarter ended January 31, 2025. Third Quarter Key Highlights (FY’25 Q3 vs. FY’24 Q3, unless otherwise noted) Total revenue was $325.7 million, up 8.7

March 10, 2025 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2025 o TRANSITION REPORT PURSUANT T

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q x QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2025 Or o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AM

March 6, 2025 EX-99.1

America’s Car-Mart, Inc. Announces Closing on Extension and Upsize of Its Revolving Credit Facility

EXHIBIT 99.1 America’s Car-Mart, Inc. Announces Closing on Extension and Upsize of Its Revolving Credit Facility ROGERS, Ark., March 03, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today announced that it has extended and upsized its asset-based revolving credit facility (“ABL Facility”). The $350 million ABL Facility was upsized from the pr

March 6, 2025 EX-10.1

Amendment No. 9 to Third Amended and Restated Loan and Security Agreement dated February 28, 2025, among America’s Car-Mart, Inc., a Texas corporation, as Parent and Guarantor; Colonial Auto Finance, Inc., a Arkansas corporation, America’s Car Mart, Inc.,

EXHIBIT 10.1 Amendment No. 9 to Third Amended and Restated Loan and Security Agreement This Amendment No. 9 to Third Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of February 28, 2025, and is entered into by and among Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), America’s Car Mart, Inc., an Arkansas corporation (“ACM”), Texas Car-Mart, Inc., a Tex

March 6, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 28, 2025 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

February 5, 2025 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2025 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

February 5, 2025 EX-4.1

Indenture, dated January 31, 2025, by and between ACM Auto Trust 2025-1 and Deutsche Bank National Trust Company, as Indenture Trustee

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2025-1 Class A 5.38% Auto Loan Asset Backed Notes Class B 7.87% Auto Loan Asset Backed Notes INDENTURE Dated as of January 31, 2025 DEUTSCHE BANK NATIONAL TRUST COMPANY, as the Indenture Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 SECTION 1.1 Definitions. 2 SECTION 1.2 Other Interpretive Provisions 2 ARTICLE II

February 5, 2025 EX-10.2

Sale and Servicing Agreement, dated January 31, 2025, by and among ACM Auto Trust 2025-1, ACM Funding, LLC, America’s Car Mart, Inc., and Deutsche Bank National Trust Company, as Indenture Trustee, Calculation Agent, and Paying Agent, and Systems & Services Technologies, Inc. as Backup Servicer

Exhibit 10.2 EXECUTION VERSION SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2025-1, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee, Calculation Agent and Paying Agent and SYSTEMS & SERVICES TECHNOLOGIES, INC., as Backup Servicer Dated as of January 31, 2025 TABLE OF CONTENTS Page ARTICLE I DEFINITIO

February 5, 2025 EX-99.1

America’s Car-Mart, Inc. Completes $200 Million Term Securitization Weighted average coupon improved 95 basis points from prior October 2024 securitization Transaction over 10 times oversubscribed

EXHIBIT 99.1 America’s Car-Mart, Inc. Completes $200 Million Term Securitization Weighted average coupon improved 95 basis points from prior October 2024 securitization Transaction over 10 times oversubscribed ROGERS, Ark., Feb. 03, 2025 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), announced today that it has completed a term securitization transa

February 5, 2025 EX-10.1

Purchase Agreement, dated January 31, 2025, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC

Exhibit 10.1 EXECUTION VERSION PURCHASE AGREEMENT dated as of January 31, 2025 between COLONIAL AUTO FINANCE, INC., as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Interpretive Provisions 1 ARTICLE II PURCHASE 2 SECTION 2.1 Agreement to Sell and Contribute on the Closing Date 2 SECTION 2.2 Considerati

December 9, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2024 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

December 5, 2024 EX-99.1

America’s Car-Mart Reports Second Quarter Fiscal Year 2025 Results

EXHIBIT 99.1 America’s Car-Mart Reports Second Quarter Fiscal Year 2025 Results ROGERS, Ark., Dec. 05, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the second quarter ended October 31, 2024. Second Quarter Key Highlights (FY’25 Q2 vs. FY’24 Q2, unless otherwise noted) Total revenue was $347.3 million1, dow

December 5, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 5, 2024 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fil

October 31, 2024 SC 13G/A

CRMT / America's Car-Mart, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 2 )* America's Car-Mart Inc/TX (Name of Issuer) Common Stock (Title of Class of Securities) 03062T105 (CUSIP Number) September 30, 2024 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which

October 22, 2024 8-K

Financial Statements and Exhibits, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 22, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission Fi

October 11, 2024 EX-10.2

Sale and Servicing Agreement, dated October 9, 2024, by and among ACM Auto Trust 2024-02, ACM Funding, LLC, America’s Car-Mart, Inc., Deutsche Bank National Trust Company, as Indenture Trustee, Calculation Agent and Paying Agent, and Systems & Services Technologies, Inc. as Backup Servicer (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on October 11, 2024).

Exhibit 10.2 EXECUTION VERSION SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2024-2, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer DEUTSCHE BANK NATIONAL TRUST COMPANY, as Indenture Trustee, Calculation Agent and Paying Agent and SYSTEMS & SERVICES TECHNOLOGIES, INC., as Backup Servicer Dated as of October 9, 2024 TABLE OF CONTENTS Page ARTICLE I DEFINITION

October 11, 2024 EX-10.1

Purchase Agreement, dated October 9, 2024, between Colonial Auto Finance, Inc. and ACM Funding, LLC (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on October 11, 2024).

Exhibit 10.1 EXECUTION VERSION PURCHASE AGREEMENT dated as of October 9, 2024 between COLONIAL AUTO FINANCE, INC., as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions. 1 SECTION 1.2 Other Interpretive Provisions 1 ARTICLE II PURCHASE 2 SECTION 2.1 Agreement to Sell and Contribute on the Closing Date 2 SECTION 2.2 Considerati

October 11, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 9, 2024 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

October 11, 2024 EX-99.1

America’s Car-Mart, Inc. Completes $300 Million Term Securitization

EXHIBIT 99.1 America’s Car-Mart, Inc. Completes $300 Million Term Securitization ROGERS, Ark., Oct. 11, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (the “Company”) announced today that it has completed a term securitization transaction involving the issuance of $300 million in principal amount of asset-backed notes with an overall weighted average coupon of 7.44%. The advance r

October 11, 2024 EX-4.1

Indenture, dated October 9, 2024, by and between ACM Auto Trust 2024-02 and Deutsche Bank National Trust Company, as Indenture Trustee.

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2024-2 Class A 6.06% Auto Loan Asset Backed Notes Class B 9.21% Auto Loan Asset Backed Notes INDENTURE Dated as of October 9, 2024 DEUTSCHE BANK NATIONAL TRUST COMPANY, as the Indenture Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE 2 SECTION 1.1 Definitions. 2 SECTION 1.2 Other Interpretive Provisions 2 ARTICLE II T

October 1, 2024 SC 13G/A

CRMT / America's Car-Mart, Inc. / MAGNOLIA CAPITAL FUND, LP Passive Investment

SC 13G/A 1 fp0090368-1sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 2)* America’s Car-Mart, Inc. (Name of Issuer) Common Stock, Par Value $.01 per share (Title of Class of Securities) 03062T10

October 1, 2024 EX-1

JOINT FILING AGREEMENT

EX-1 2 fp0090368-1ex1.htm CUSIP NO. 03062T105 13G EXHIBIT 1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, the undersigned agree, as of October 1, 2024, that only one statement containing the information required by Schedule 13G, and each amendment thereto, need be filed with respect to the ownership by each of the undersigned of shares of Common Sto

September 24, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 24, 2024 AMERICA’S CAR-M

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 24, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission f

September 24, 2024 EX-99.1

JOINT FILING AGREEMENT

EX-99.1 2 tm2424600d1ex99-1.htm EXHIBIT 99.1 Exhibit 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k)(1) promulgated under the Securities Exchange Act of 1934, the undersigned agree to the joint filing of a Statement on Schedule 13D (including any and all amendments thereto) with respect to the Common Stock, par value $0.01 per share, of America’s Car-Mart, Inc. and further agree to th

September 24, 2024 EX-99.1

America’s Car-Mart, Inc. Announces Appointment of Chief Operating Officer

EXHIBIT 99.1 America’s Car-Mart, Inc. Announces Appointment of Chief Operating Officer ROGERS, Ark., Sept. 24, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (Car-Mart), 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, announced today the appointment of Jamie Fi

September 24, 2024 SC 13D

CRMT / America's Car-Mart, Inc. / Nantahala Capital Management, LLC - SC 13D Activist Investment

SC 13D 1 tm2424600d1sc13d.htm SC 13D SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 SCHEDULE 13D (Amendment No.) (Rule 13d-101) Under the Securities Exchange Act of 1934 AMERICA’S CAR-MART, INC. (Name of Issuer) Common Stock, par value $0.01 per share (Title of Class of Securities) 03062T105 (CUSIP NUMBER) Taki Vasilakis 130 Main St. 2nd Floor New Canaan, CT 06840 (203) 308-4440 (Name,

September 24, 2024 EX-10.1

Offer Letter, dated as of September 19, 2024, between America’s Car-Mart, Inc., an Arkansas corporation, and Jamie Fischer (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on September 24, 2024).

Exhibit 10.1 Jamie Fischer September 19, 2024 [Address] [City, State Zip] Dear Jamie, 1. Offer and Position We are very pleased to extend an offer of employment to you for the position of Chief Operating Officer of America’s Car Mart, Inc., an Arkansas corporation (the "Company"). This position is a Section 16 officer for America’s Car-Mart, Inc., a Texas corporation (the “Parent Company”), which

September 20, 2024 EX-99.1

America’s Car-Mart, Inc. Announces Proposed $65 Million Underwritten Public Offering Of Common Stock

EXHIBIT 99.1 America’s Car-Mart, Inc. Announces Proposed $65 Million Underwritten Public Offering Of Common Stock ROGERS, Ark., Sept. 18, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), a large publicly held automotive retailer focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market, announced today that it intend

September 20, 2024 EX-99.2

America’s Car-Mart, Inc. Announces Pricing of Public Offering of Common Stock

EXHIBIT 99.2 America’s Car-Mart, Inc. Announces Pricing of Public Offering of Common Stock ROGERS, Ark., Sept. 19, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), a large publicly held automotive retailer focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market, announced today the pricing of its underwritten publi

September 20, 2024 EX-1.1

Underwriting Agreement, dated September 19, 2024, by and among the Company and Jefferies LLC as underwriter.

Exhibit 1.1 1,700,000 Shares of Common Stock America’s Car-Mart, Inc. UNDERWRITING AGREEMENT September 19, 2024 JEFFERIES LLC As Representative of the several Underwriters c/o JEFFERIES LLC 520 Madison Avenue New York, New York 10022 Ladies and Gentlemen: Introductory. America’s Car-Mart, Inc., a Texas corporation (the “Company”), proposes to issue and sell to the several underwriters named in Sch

September 20, 2024 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K Current Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 19, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission

September 19, 2024 424B5

$65,000,000 Shares of Common Stock

Filed Pursuant to Rule 424(b)(5) Registration No. 333-273034 The information contained in this preliminary prospectus supplement and the accompanying prospectus is not complete and may be changed. A registration statement relating to the securities has been declared effective by the Securities and Exchange Commission. This preliminary prospectus supplement and accompanying prospectus are not an of

September 19, 2024 424B5

1,700,000 Shares Common Stock

Filed Pursuant to Rule 424(b)(5) Registration No. 333-273034 PRELIMINARY PROSPECTUS SUPPLEMENT (To Prospectus dated August 14, 2023) 1,700,000 Shares Common Stock We are offering 1,700,000 shares of our common stock. Our common stock is listed on the Nasdaq Global Select Market under the symbol “CRMT.” You should read carefully this prospectus supplement, the accompanying prospectus and the docume

September 18, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 16, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission f

September 18, 2024 EX-10.9

Amendment No. 8 to Third Amended and Restated Loan and Security Agreement and Joinder dated September 16, 2024, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., a Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger, and Book Manager.

EXHIBIT 10.9 Amendment No. 8 to Third Amended and Restated Loan and Security Agreement and Joinder This Amendment No. 8 to Third Amended and Restated Loan and Security Agreement and Joinder (“Amendment”) is dated as of September 16, 2024, and is entered into by and among America’s Car-Mart, Inc., a Texas corporation (“Parent”), Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), Ame

September 17, 2024 S-8

As filed with the Securities and Exchange Commission on September 17, 2024

As filed with the Securities and Exchange Commission on September 17, 2024 Registration No.

September 17, 2024 EX-99.2

Form of Restricted Stock Agreement under the America’s Car-Mart, Inc. 2024 Equity Incentive Plan

Exhibit 99.2 AMERICA’S CAR-MART, INC. 2024 EQUITY INCENTIVE PLAN RESTRICTED STOCK AGREEMENT You have been selected to receive the following Award under the America’s Car-Mart, Inc. 2024 Equity Incentive Plan (the “Plan”): Participant: Award Date: Number of Shares of Restricted Stock Awarded: Period(s) of Restriction: Shares shall vest in () equal annual installments, subject to the Participant’s c

September 17, 2024 EX-FILING FEES

Calculation of Filing Fee Table

Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) America’s Car-Mart, Inc.

September 17, 2024 EX-99.3

Form of Stock Option Agreement under the America’s Car-Mart, Inc. 2024 Equity Incentive Plan

Exhibit 99.3 AMERICA’S CAR-MART, INC. 2024 EQUITY INCENTIVE PLAN (Employee Option Agreement) THIS OPTION AGREEMENT (the “Option Agreement”) is made effective as of [•] (the “Grant Date”) between AMERICA’S CAR-MART, INC., a Texas corporation (the “Company”), and [•], an employee of the Company (the “Optionee”). In furtherance of the purposes of the America’s Car-Mart, Inc. 2024 Equity Incentive Pla

September 16, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2024 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART, INC

September 10, 2024 NT 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check One): [ ] Form 10-K [ ] Form 20-F [ ] Form 11-K [X ] Form 10-Q [ ] Form 10-D [ ] Form N-CEN [ ] Form N-CSR For Period Ended: July 31, 2024 [ ] Transition Report on Form 10-K [ ] Transition Report on Form 20-F [ ] Transition Report on Form 11-K [ ] Transition Report on Form 10-Q [

September 4, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 4, 2024 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

September 4, 2024 EX-99.1

America’s Car-Mart Reports First Quarter Fiscal Year 2025 Results

EXHIBIT 99.1 America’s Car-Mart Reports First Quarter Fiscal Year 2025 Results ROGERS, Ark., Sept. 04, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the first quarter ended July 31, 2024. First Quarter Key Highlights (FY'25 vs. FY'24 Q1, unless otherwise noted) Revenue was $347.8 million, down 5.2% Interest

August 30, 2024 EX-10.1

America’s Car-Mart, Inc. 2024 Equity Incentive Plan

Exhibit 10.1     AMERICA’S CAR-MART, INC. 2024 EQUITY INCENTIVE PLAN     1. Purposes of the Plan. The purposes of this Plan are (a) to attract and retain the best available personnel to ensure the Company’s success and accomplish the Company’s goals; (b) to incentivize Employees, Directors and Consultants with long-term equity-based compensation to align their interests with the Company’s stockhol

August 30, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 27, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

July 18, 2024 EX-10.8

Amendment No. 7 to Third Amended and Restated Loan and Security Agreement and Limited Waiver dated July 12, 2024, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., a Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger, and Book Manager

Exhibit 10.8 Amendment No. 7 to Third Amended and Restated Loan and Security Agreement This Amendment No. 7 to Third Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of July 12, 2024, and is entered into by and among America’s Car-Mart, Inc., a Texas corporation (“Parent”), Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), America’s Car Mart, Inc., an Ark

July 18, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant, Other Events

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 12, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file n

July 16, 2024 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

July 16, 2024 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

July 15, 2024 EX-19.1

America’s Car-Mart, Inc. Insider Trading Policy

Exhibit 19.1 AMERICA’S CAR-MART, INC. STATEMENT REGARDING INSIDER TRADING BY COMPANY PERSONNEL “Insider trading” is the purchase or sale of a company’s stock by one who possesses information about the company that is not yet generally known and that a reasonable investor would consider important in making an investment decision regarding that stock. Because of the obvious potential for (and histor

July 15, 2024 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America’s Car-Mart, Inc. Crown Delaware Investments Corp. (a Delaware corporation) America’s Car Mart, Inc. (an Arkansas Corporation) Colonial Auto Finance, Inc. (an Arkansas Corporation) ACM Funding, LLC (a Delaware limited liability company) ACM Auto Trust 2023-1 (a Delaware statutory trust) ACM Auto Trust 2023-2 (a Delaware statutory trust) ACM Auto Trust 2024-1 (a

July 15, 2024 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 2054 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 2054 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AMERICA’S CAR-MART, I

June 27, 2024 8-K

Amendment to Registrant's Code of Ethics, or Waiver of a Provision of the Code of Ethics, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 24, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file n

June 27, 2024 EX-14.1

Code of Business Conduct and Ethics. (Incorporated by reference to Exhibit 14.1 to the Company’s Current Report on Form 8-K filed with the SEC on

Exhibit 14.1 / 1 \ AMERICA'S a CAR - MART The Car - Mart Code Introduction to Car - Mart Code Our Values Code of Conduct Scope Build Trust and Credibility Enforcement 4 5 6 7 7 Being Accountable Competition Anti Money Laundering Avoiding Conflicts of Interest Gifts and Entertainment Theft or Fraud Selection of Third Parties 22 23 24 25 25 26 Doing the Right Thing Our Responsibilities Leaders' Resp

June 25, 2024 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America's Car-Mart, Inc. 401(K) Plan (F

June 18, 2024 EX-99.1

America’s Car-Mart Reports Fourth Quarter and Fiscal Year 2024 Results

EXHIBIT 99.1 America’s Car-Mart Reports Fourth Quarter and Fiscal Year 2024 Results ROGERS, Ark., June 18, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the fourth quarter and full year ended April 30, 2024. Fourth Quarter Key Highlights (FY’24 Q4 vs. FY’23 Q4, unless otherwise noted) Revenue was $364.7 mil

June 18, 2024 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 18, 2024 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

March 11, 2024 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2024 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2024 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

March 8, 2024 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2024 America's Car-Mart

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 8, 2024 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File N

March 8, 2024 EX-99.1

America’s Car-Mart Reports Third Quarter Fiscal 2024 Results

EXHIBIT 99.1 America’s Car-Mart Reports Third Quarter Fiscal 2024 Results ROGERS, Ark., March 08, 2024 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), today reported financial results for the third quarter ended January 31, 2024. Third Quarter Key Highlights (Q3 FY24 vs. Q3 FY23, unless otherwise noted) Completed implementation of updated loan origin

March 5, 2024 EX-10.7

Amendment No. 6 to Third Amended and Restated Loan and Security Agreement and Limited Waiver dated February 28, 2024, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., a Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger, and Book Manager (Incorporated by reference to Exhibit 10.7 to the Company’s Current Report on Form 8-K filed with the SEC on March 5, 2024).

Exhibit 10.7 Amendment No. 6 to Third Amended and Restated Loan and Security Agreement This Amendment No. 6 to Third Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of February 28, 2024, and is entered into by and among AMERICA’S CAR-MART, INC., a Texas corporation (“Parent”), COLONIAL AUTO FINANCE, INC., an Arkansas corporation (“Colonial”), AMERICA’S CAR MART, INC., an

March 5, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 28, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fi

February 14, 2024 EX-1

JOINT FILING AGREEMENT

EX-1 2 fp0087056-3ex1.htm CUSIP NO. 03062T105 13G EXHIBIT 1 JOINT FILING AGREEMENT Pursuant to Rule 13d-1(k)(1) under the Securities Exchange Act of 1934, the undersigned agree, as of February 14, 2024, that only one statement containing the information required by Schedule 13G, and each amendment thereto, need be filed with respect to the ownership by each of the undersigned of shares of Common S

February 14, 2024 SC 13G/A

CRMT / America's Car-Mart, Inc. / MAGNOLIA CAPITAL FUND, LP Passive Investment

SC 13G/A 1 fp0087056-3sc13ga.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 1)* America’s Car-Mart, Inc. (Name of Issuer) Common Stock, Par Value $.01 per share (Title of Class of Securities) 03062T10

February 13, 2024 SC 13G/A

CRMT / America's Car-Mart, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SC 13G/A 1 tv0269-americascarmartinctx.htm SCHEDULE 13G/A SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 3)* Name of issuer: America's Car-Mart Inc/TX Title of Class of Securities: Common Stock CUSIP Number: 03062T105 Date of Event Which Requires Filing of this Statement: December 29, 2023 Check the appropriate box t

February 9, 2024 SC 13G/A

CRMT / America's Car-Mart, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G/A 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 1 )* America's Car-Mart Inc/TX (Name of Issuer) Common Stock (Title of Class of Securities) 03062T105 (CUSIP Number) December 29, 2023 (Date of Event Which Requires Filing of this Statement) Check the appropriate

February 2, 2024 EX-10.2

Sale and Servicing Agreement, dated January 31, 2024, by and between ACM Auto Trust 2024-1, ACM Funding, LLC, America’s Car Mart, Inc. and Wilmington Trust, National Association, as Indenture Trustee, Backup Servicer, Calculation Agent, and Paying Agent.

Exhibit 10.2 EXECUTION VERSION 759415058 23755032 SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2024 - 1, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent Dated as of January 31, 2024 759415058 23755032 i Sale and Servicing Agreement (ACMAT 202

February 2, 2024 EX-4.1

Indenture, dated January 31, 2024, by and between ACM Auto Trust 2024-1 and Wilmington Trust, National Association, as Indenture Trustee.

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2024 - 1 Class A 7.71% Auto Loan Asset Backed Notes Class B 11.40% Auto Loan Asset Backed Notes INDENTURE Dated as of January 31, 2024 WILMINGTON TRUST, NATIONAL ASSOCIATION , as the Indenture Trustee 759431178 23755032 i Indenture (ACMAT 2024 - 1) TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE ......................... 2 SE

February 2, 2024 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

February 2, 2024 EX-10.1

Purchase Agreement, dated January 31, 2024, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC.

Exhibit 10.1 EXECUTION VERSION 759330935 PURCHASE AGREEMENT dated as of January 31, 2024 between COLONIAL AUTO FINANCE, INC. , as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE .................................................................................. 1 SECTION 1.1 Definitions.................................................................

January 30, 2024 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 24, 2024 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

January 30, 2024 EX-10.2

Amendment No. 1, dated January 24, 2024, to the Amended and Restated Employment Agreement, dated December 19, 2023, between America’s Car Mart, Inc., an Arkansas corporation, and Douglas Campbell (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on January 30, 2024).

Exhibit 10.2 AMENDMENT NO. 1 TO the Amended and Restated Employment Agreement This Amendment No. 1 to the Amended and Restated Employment Agreement, dated January 24, 2024 (the "Amendment"), is by and between AMERICA’S CAR MART, INC., an Arkansas corporation (the “Company”), and DOUGLAS CAMPBELL (the “Executive”, and together with the Company, the "Parties", and each, a "Party"). WHEREAS, the Part

December 26, 2023 EX-10.2

Retirement and Transition Agreement, dated December 21, 2023, between America’s Car Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K/A filed with the SEC on December 26, 2023).

Exhibit 10.2 RETIREMENT AND TRANSITION AGREEMENT THIS RETIREMENT AND TRANSITION AGREEMENT (this “Agreement”) is entered into effective as of October 1, 2023 by and between America’s Car Mart, Inc., an Arkansas corporation (the “Company”), and Jeffrey A. Williams (“Executive”). WHEREAS, the Company is engaged in the business of the sale and financing of used vehicles (the “Company Business”); WHERE

December 26, 2023 EX-10.1

Amended and Restated Employment Agreement, dated December 19, 2023, between America’s Car Mart, Inc., an Arkansas corporation, and Douglas Campbell (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K/A filed with the SEC on December 26, 2023).

Exhibit 10.1 AMENDED AND RESTATED EMPLOYMENT AGREEMENT This Amended and Restated Employment Agreement (the “Agreement”) is entered into by and between AMERICA’S CAR MART, INC., an Arkansas corporation (the “Company”) and DOUGLAS CAMPBELL (the “Executive”) (together, the “Parties”), on December 19, 2023 (the “Signing Date”) to be effective as of October 1, 2023 (the “Effective Date”). W I T N E S S

December 26, 2023 8-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 29, 202

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 29, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporati

December 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2023 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2023 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

December 5, 2023 EX-99.1

America’s Car-Mart Reports Second Quarter 2024 Results

EXHIBIT 99.1 America’s Car-Mart Reports Second Quarter 2024 Results ROGERS, Ark., Dec. 05, 2023 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”), one of the largest publicly held automotive retailers in the United States, today reported financial results for the second quarter ended October 31, 2023. Second Quarter Key Highlights (Q2 FY24 vs. Q2 FY23)

December 5, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 30, 2023 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 3, 2023 EX-10.1

Separation Agreement, dated as of October 30, 2023, by and between America’s Car Mart, Inc., an Arkansas corporation, and Leon Walthall.

Exhibit 10.1 CONFIDENTIAL SEPARATION AGREEMENT AND GENERAL RELEASE OF CLAIMS This Confidential Separation Agreement and General Release of Claims (“Agreement”) is entered into effective this 30th day of October, 2023, and reflects the agreement by and between Leon Walthall (“You” or “Employee”) and America’s Car Mart, Inc., an Arkansas corporation (“Car Mart” or the “Company” and together with Emp

November 3, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 1, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

October 25, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 20, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

October 17, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 14, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

September 29, 2023 EX-FILING FEES

Calculation of Filing Fee Tables.

Exhibit 107 Calculation of Filing Fee Tables Form S-8 (Form Type) America’s Car-Mart, Inc.

September 29, 2023 EX-99.4

Amendment to Amended and Restated Stock Option Plan (Incorporated by reference to Exhibit 99.4 to the Company’s Registration Statement on Form S-8 filed with the SEC on September 29, 2023 (File No. 333-274783)).

Exhibit 99.4 Amendment to Amended and Restated Stock Option Plan AMENDMENT TO AMERICA’S CAR-MART, INC. Amended and Restated Stock Option Plan Adopted June 3, 2022 America’s Car-Mart, Inc., a Texas corporation (the “Company”), hereby amends (the “Amendment”) the America’s Car-Mart, Inc. Amended and Restated Stock Option Plan (the “Plan”), as set forth herein. 1. Background Information. The Company

September 29, 2023 S-8

As filed with the Securities and Exchange Commission on September 29, 2023

As filed with the Securities and Exchange Commission on September 29, 2023 Registration No.

September 8, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2023 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2023 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART, INC

September 5, 2023 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 29, 2023 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

September 5, 2023 EX-99.1

America’s Car-Mart Reports First Quarter Fiscal 2024 Earnings

EXHIBIT 99.1 America’s Car-Mart Reports First Quarter Fiscal 2024 Earnings ROGERS, Ark., Sept. 05, 2023 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”) today reported strong revenue growth in the first quarter of fiscal year 2024, with net income negatively impacted by credit results. Diluted earnings per share were $0.63 on revenue of $368.0 million

September 5, 2023 EX-99.2

America’s Car-Mart Names Doug Campbell CEO & Board Member

EXHIBIT 99.2 America’s Car-Mart Names Doug Campbell CEO & Board Member ROGERS, Ark., Sept. 05, 2023 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“America’s Car-Mart,” “we” or the “Company”) today announced that its board of directors has elected current President Doug Campbell to succeed Jeff Williams as Chief Executive Officer and to serve as a director of the Company, each effecti

September 1, 2023 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 29, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

August 10, 2023 CORRESP

August 10, 2023

August 10, 2023 Division of Corporation Finance United States Securities and Exchange Commission 100 F Street, N.

July 24, 2023 DEFR14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

July 19, 2023 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

July 19, 2023 DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ______)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

July 14, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 10, 2023 AMERICA’S CAR-MART,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 10, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file n

July 14, 2023 EX-10.1

America’s Car-Mart, Inc. Short-Term Incentive Plan, effective April 1, 2023

Exhibit 10.1 AMERICA’S CAR-MART, INC. SHORT-TERM INCENTIVE PLAN (EFFECTIVE APRIL 1, 2023) 1. Purpose. The purpose of the America’s Car-Mart, Inc. Short-Term Incentive Plan (the “Plan”) is to provide an annual performance-based incentive for executive officers who are in a position to contribute materially to the success of the Company and its Subsidiaries. 2. Definitions. Wherever the following te

July 11, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 6, 2023 AMERICA’S CAR-MART, I

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 6, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file nu

July 11, 2023 EX-4.1

Indenture, dated July 6, 2023, by and between ACM Auto Trust 2023-2 and Wilmington Trust, National Association, as Indenture Trustee (Incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed with the SEC on July 11, 2023).

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2023 - 2 Class A 7.97% Auto Loan Asset Backed Notes Class B 9.85% Auto Loan Asset Backed Notes INDENTURE Dated as of July 6, 2023 WILMINGTON TRUST, NATIONAL ASSOCIATION , as the Indenture Trustee 753507413 23738694 i Indenture (ACMAT 2023 - 2) TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENCE................................. 2

July 11, 2023 EX-10.1

Purchase Agreement, dated July 6, 2023, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on July 11, 2023).

Exhibit 10.1 EXECUTION VERSION 753507376 PURCHASE AGREEMENT dated as of July 6, 2023 between COLONIAL AUTO FINANCE, INC. , as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE......................................................................... 1 SECTION 1.1 Definitions...............................................................................

July 11, 2023 EX-10.2

Sale and Servicing Agreement, dated July 6, 2023, by and between ACM Auto Trust 2023-2, ACM Funding, LLC, America’s Car Mart, Inc. and Wilmington Trust, National Association, as Indenture Trustee, Backup Servicer, Calculation Agent, and Paying Agent.

Exhibit 10.2 EXECUTION VERSION 753507386 23738694 SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2023 - 2, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent Dated as of July 6, 2023 753507386 23738694 i Sale and Servicing Agreement (ACMAT 2023 -

June 29, 2023 EX-FILING FEES

Calculation of Filing Fee Tables

Exhibit 107 Calculation of Filing Fee Tables Form S-3 (Form Type) AMERICA’S CAR-MART, INC.

June 29, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 29, 2023 AMERICA’S CAR-MART,

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 29, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file n

June 29, 2023 EX-4.6

Form of Indenture

EXHIBIT 4.6 FORM OF INDENTURE between AMERICA’S CAR-MART, INC. and [●], as Trustee Dated as of [●] Providing for Issuance of Debt Securities in Series TABLE OF CONTENTS Page ARTICLE 1 DEFINITIONS AND OTHER PROVISIONS OF GENERAL APPLICATION 1 Section 1.1. Definitions 1 Section 1.2. Compliance Certificates and Opinions 6 Section 1.3. Form of Documents Delivered to Trustee 6 Section 1.4. Acts of Hold

June 29, 2023 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America's Car-Mart, Inc. 401(K) Plan (F

June 29, 2023 S-3

As filed with the Securities and Exchange Commission on June 29, 2023

As filed with the Securities and Exchange Commission on June 29, 2023 Registration No.

June 26, 2023 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AMERICA’S CAR-MART,

June 26, 2023 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America’s Car-Mart, Inc. Crown Delaware Investments Corp. (a Delaware corporation) America’s Car Mart, Inc. (an Arkansas Corporation) Colonial Auto Finance, Inc. (an Arkansas Corporation) ACM Funding, LLC (a Delaware limited liability company) ACM Auto Trust 2022-1 (a Delaware statutory trust) ACM Auto Trust 2023-1 (a Delaware statutory trust) Colonial Underwriting, In

May 24, 2023 EX-99.1

America’s Car-Mart Reports Fourth Quarter Fiscal 2023 Earnings

EXHIBIT 99.1 America’s Car-Mart Reports Fourth Quarter Fiscal 2023 Earnings ROGERS, Ark., May 24, 2023 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (“we,” “Car-Mart” or the “Company”) today announced its operating results for the fourth quarter and fiscal year ended April 30, 2023. Highlights Revenues of $388.3 million, up 12.2% vs. the prior year’s fourth quarter. Total retail unit

May 24, 2023 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 24, 2023 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File Nu

March 10, 2023 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2023 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2023 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

March 1, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 AMERICA’S CAR-MA

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fi

March 1, 2023 EX-10.6

Amendment No. 5 to Third Amended and Restated Loan and Security Agreement and Limited Waiver dated February 22, 2023, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger, and Book Manager (Incorporated by reference to Exhibit 10.6 to the Company’s Current Report on Form 8-K filed with the SEC on March 1, 2023).

Exhibit 10.6 Amendment No. 5 to Third Amended and Restated Loan and Security Agreement and Limited Waiver This Amendment No. 5 to Third Amended and Restated Loan and Security Agreement and Limited Waiver (“Amendment”) is dated as of February 22, 2023, and is entered into by and among America’s Car-Mart, Inc., a Texas corporation (“Parent”), Colonial Auto Finance, Inc., an Arkansas corporation (“Co

February 22, 2023 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 America's Car-M

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 22, 2023 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

February 22, 2023 EX-99.1

America’s Car-Mart Reports Third Quarter 2023 Earnings

EXHIBIT 99.1 America’s Car-Mart Reports Third Quarter 2023 Earnings ROGERS, Ark., Feb. 22, 2023 (GLOBE NEWSWIRE) - Highlights Revenues of $327 million, up 13.7% vs. the prior year third quarter. Total retail unit sales increased 2.7% vs. the prior year third quarter. Same store retail unit sales increased 1.0% vs. the prior year third quarter. Sales volume productivity per store per month was 31.2

February 10, 2023 SC 13G

CRMT / America's Car-Mart, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

SC 13G 1 SEC13GFiling.htm SEC SCHEDULE 13G UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. )* America's Car-Mart Inc/TX (Name of Issuer) Common Stock (Title of Class of Securities) 03062T105 (CUSIP Number) December 30, 2022 (Date of Event Which Requires Filing of this Statement) Check the appropriate box

February 9, 2023 SC 13G/A

CRMT / America's Car-Mart, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 2)* Name of issuer: America's Car-Mart Inc./TX Title of Class of Securities: Common Stock CUSIP Number: 03062T105 Date of Event Which Requires Filing of this Statement: December 30, 2022 Check the appropriate box to designate the rule pursuant to which this Schedule is f

February 6, 2023 EX-4.1

Indenture, dated January 31, 2023, by and between ACM Auto Trust 2023-1 and Wilmington Trust, National Association, as Indenture Trustee. (Incorporated by reference to Exhibit 4.1 to the Company’s Current Report on Form 8-K filed with the SEC on February 6, 2023).

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2023 - 1 Class A 6 . 61 % Auto Loan Asset Backed Notes Class B 7 . 26 % Auto Loan Asset Backed Notes Class C 8 . 59 % Auto Loan Asset Backed Notes Class D 12 . 58 % Auto Loan Asset Backed Notes INDENTURE Dated as of January 31, 2023 WILMINGTON TRUST, NATIONAL ASSOCIATION , as the Indenture Trustee 751008852 22727759 i Indenture (ACMAT 2023 - 1) TABLE OF

February 6, 2023 EX-10.1

Purchase Agreement, dated January 31, 2023, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC. (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on February 6, 2023).

Exhibit 10.1 EXECUTION VERSION 751008515 22727759 PURCHASE AGREEMENT dated as of January 31, 2023 between COLONIAL AUTO FINANCE, INC. , as Seller and ACM FUNDING, LLC, as Purchaser TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND USAGE......................................................................... 1 751008515 22727759 i Purchase Agreement (ACMAT 2023 - 1) SECTION 1.1 SECTION 1.2 Definiti

February 6, 2023 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 31, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

February 6, 2023 EX-10.2

Sale and Servicing Agreement, dated January 31, 2023, by and between ACM Auto Trust 2023-1, ACM Funding, LLC, America’s Car Mart, Inc. and Wilmington Trust, National Association, as Indenture Trustee, Backup Servicer, Calculation Agent, and Paying Agent. (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on February 6, 2023).

EX-10.2 4 exh102.htm EXHIBIT 10.2 Exhibit 10.2 EXECUTION VERSION 751008784 22727759 SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2023 - 1, as Issuer ACM FUNDING, LLC, as Seller AMERICA’S CAR MART, INC., as Servicer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent Dated as of January 31, 2023 751008784 22727759 i Sale

January 13, 2023 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): January 10, 2023 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

January 10, 2023 SC 13G

CRMT / America's Car-Mart, Inc. / MAGNOLIA GROUP, LLC Passive Investment

SC 13G 1 fp0081495-1sc13g.htm SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G (Rule 13d-102) INFORMATION TO BE INCLUDED IN STATEMENTS FILED PURSUANT TO RULE 13d-1(b), (c), AND (d) AND AMENDMENTS THERETO FILED PURSUANT TO RULE 13d-2(b) (AMENDMENT NO. 0)* America’s Car-Mart, Inc. (Name of Issuer) Common Stock, Par Value $0.01 per share (Title of Class of Securities) 03062T105

December 12, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2022 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2022 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

November 17, 2022 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2022 America's Car-M

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2022 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 17, 2022 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $0.48 on Revenues of $352 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $0.48 on Revenues of $352 Million ROGERS, Ark., Nov. 16, 2022 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the second quarter of fiscal year 2023. “We are the market leader in a vital, irreplaceable, and growing industry. Numerous competitors are shrinking and closing while

September 26, 2022 EX-99.1

Auto Industry Veteran Douglas Campbell joins America’s Car-Mart Leadership as Newly Named President

EXHIBIT 99.1 Auto Industry Veteran Douglas Campbell joins America?s Car-Mart Leadership as Newly Named President ROGERS, Ark., Sept. 26, 2022 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) (the ?Company?) today announced that Douglas Campbell will serve as the Company?s President effective October 3, 2022. ?Doug?s 25 years of marked successes in the automotive industry will bring new p

September 26, 2022 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 26, 2022 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission F

September 26, 2022 EX-10.1

Employment Agreement, dated as of September 6, 2022, between America’s Car Mart, Inc., an Arkansas corporation, and Douglas Campbell (Incorporated by reference to Exhibit 10.1 to the Company’s Report on Form 8-K filed with the SEC on September 26, 2022).

EXHIBIT 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the ?Agreement?) is entered into by and between AMERICA?S CAR MART, INC., an Arkansas corporation (the ?Company?) and DOUGLAS CAMPBELL (the ?Associate?) on this 6th day of September, 2022 to be effective as of October 3, 2022 (the ?Effective Date?). W I T N E S S E T H: WHEREAS, the Company is engaged in the business of the retail sale a

September 2, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2022 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2022 Or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA?S CAR-MART, INC

September 1, 2022 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 30, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

August 18, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 17, 2022 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

August 18, 2022 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $2.00 on Revenues of $345 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $2.00 on Revenues of $345 Million ROGERS, Ark., Aug. 17, 2022 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the first quarter of fiscal year 2023. ?For the quarter, unit sales volumes were up 2.1% to 15,536 with productivity (retail units sold per dealership per month) flat

August 12, 2022 DEFR14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ? Filed by a Party other than the Registrant? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ? Defini

July 12, 2022 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

DEF 14A 1 def14a071122.htm DEF 14A UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant¨ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as perm

July 11, 2022 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America?s Car-Mart, Inc. Crown Delaware Investments Corp. (a Delaware corporation) America?s Car Mart, Inc. (an Arkansas Corporation) Colonial Auto Finance, Inc. (an Arkansas Corporation) ACM Funding, LLC (a Delaware limited liability company) ACM Auto Trust 2022-1 (a Delaware statutory trust) Colonial Underwriting, Inc. (an Arkansas Corporation) Texas Car-Mart, Inc. (

July 11, 2022 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2022 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AMERICA?S CAR-MART,

June 30, 2022 NT 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING (Check One): ???????[X] Form 10-K [ ?] Form 20-F [ ?] Form 11-K [ ?] Form 10-Q [ ?] Form 10-D [ ?] Form N-CEN ?????????????????????????????????? [ ?] Form N-CSR For Period Ended: April 30, 2022 [ ] Transition Report on Form 10-K [ ] Transition Report on Form 20-F [ ] Transition Report on

June 29, 2022 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 o TRANSITION REPORT PURSUANT TO SECTION 15(

11-K 1 f11k062922.htm FORM 11-K UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K x ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR o TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America

June 8, 2022 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 3, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file nu

May 24, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): May 23, 2022 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File Nu

May 24, 2022 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $4.01 on Record Revenues of $352 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $4.01 on Record Revenues of $352 Million ROGERS, Ark., May 23, 2022 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the fourth quarter and full fiscal year 2022. ?Revenue grew 26% to $352 million, including a 39% increase in interest income to $42 million, for the fourth quart

May 4, 2022 EX-10.2

Sale and Servicing Agreement, dated April 27, 2022, by and between ACM Auto Trust 2022-1, ACM Funding, LLC, America’s Car Mart, Inc. and Wilmington Trust, National Association, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent.

Exhibit 10.2 EXECUTION VERSION SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2022-1, as Issuer ACM FUNDING, LLC, as Seller AMERICA?S CAR MART, INC., as Servicer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent Dated as of April 27, 2022 Table of Contents Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1

May 4, 2022 8-K/A

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A (Amendment No. 1) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporatio

May 3, 2022 EX-10.2

Sale and Servicing Agreement, dated April 27, 2022, by and between ACM Auto Trust 2022-1, ACM Funding, LLC, America’s Car Mart, Inc. and Wilmington Trust, National Association, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent.

Exhibit 10.2 EXECUTION VERSION SALE AND SERVICING AGREEMENT by and among ACM AUTO TRUST 2022-1, as Issuer ACM FUNDING, LLC, as Seller AMERICA?S CAR MART, INC., as Servicer and WILMINGTON TRUST, NATIONAL ASSOCIATION, as Indenture Trustee, Backup Servicer, Calculation Agent and Paying Agent Dated as of April 27, 2022 Table of Contents Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1

May 3, 2022 EX-4.1

Indenture, dated April 27, 2022, by and between ACM Auto Trust 2022-1 and Wilmington Trust, National Association, as Indenture Trustee

Exhibit 4.1 EXECUTION VERSION ACM AUTO TRUST 2022-1 Class A 3.23% Auto Loan Asset Backed Notes Class B 4.47% Auto Loan Asset Backed Notes Class C 5.48% Auto Loan Asset Backed Notes Class D 8.58% Auto Loan Asset Backed Notes INDENTURE Dated as of April 27, 2022 WILMINGTON TRUST, NATIONAL ASSOCIATION, as the Indenture Trustee TABLE OF CONTENTS Page ARTICLE I DEFINITIONS AND INCORPORATION BY REFERENC

May 3, 2022 EX-10.1

Purchase Agreement, dated April 27, 2022, by and between Colonial Auto Finance, Inc. and ACM Funding, LLC.

Exhibit 10.1 EXECUTION VERSION PURCHASE AGREEMENT dated as of April 27, 2022 between COLONIAL AUTO FINANCE, INC., as Seller and ACM FUNDING, LLC, as Purchaser Table of Contents Page ARTICLE I DEFINITIONS AND USAGE 1 SECTION 1.1 Definitions 1 SECTION 1.2 Other Interpretive Provisions 1 ARTICLE II PURCHASE 2 SECTION 2.1 Agreement to Sell and Contribute on the Closing Date 2 SECTION 2.2 Consideration

May 3, 2022 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 27, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

April 27, 2022 8-K

Regulation FD Disclosure, Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 22, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

April 27, 2022 EX-10.5

Amendment No. 4 to Third Amended and Restated Loan and Security Agreement dated April 22, 2022, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 10.5 to the Company’s Current Report on Form 8-K filed with the SEC on April 27, 2022).

Exhibit 10.5 Amendment No. 4 to Third Amended and Restated Loan and Security Agreement This Amendment No. 4 to Third Amended and Restated Loan and Security Agreement (?Amendment?) is dated as of April 22, 2022, and is entered into by and among America?s Car-Mart, Inc., a Texas corporation (?Parent?), Colonial Auto Finance, Inc., an Arkansas corporation (?Colonial?), America?s Car Mart, Inc., an Ar

April 27, 2022 EX-99.1

America’s Car-Mart, Inc. Announces Pricing of Inaugural Asset-Backed Securitization Transaction and Amendment to Loan and Security Agreement

Exhibit 99.1 America?s Car-Mart, Inc. Announces Pricing of Inaugural Asset-Backed Securitization Transaction and Amendment to Loan and Security Agreement Rogers, Arkansas (April 25, 2022) ? America?s Car-Mart, Inc. (NASDAQ: CRMT) (the ?Company?) today announced that it has priced $400 million in aggregate principal amount of asset-backed notes (the ?Notes?), a subprime auto loan asset-backed secur

April 12, 2022 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): April 12, 2022 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

April 12, 2022 EX-99.1

* * * * *

Exhibit 99.1 The following are certain excerpts from a preliminary private offering memorandum, dated April 12, 2022, of ACM Auto Trust 2022-1, an indirect subsidiary of America?s Car-Mart, Inc. (the ?Company?), describing certain origination, underwriting and servicing policies and procedures utilized by the Company?s principal operating subsidiaries, America?s Car Mart, Inc., Texas Car-Mart, Inc

March 9, 2022 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2022 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2022 Or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA?S CAR-MART,

February 17, 2022 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $2.77 on Record Revenues of $292 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $2.77 on Record Revenues of $292 Million ROGERS, Ark., Feb. 16, 2022 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the third quarter of fiscal year 2022. ?For the quarter, revenues were up almost 28% to a record $292 million, including an $11 million increase in interest inc

February 17, 2022 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2022 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

February 9, 2022 SC 13G/A

CRMT / America's Car-Mart, Inc. / VANGUARD GROUP INC - SCHEDULE 13G/A Passive Investment

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 (Amendment No.: 1)* Name of issuer: America's Car-Mart Inc./TX Title of Class of Securities: Common Stock CUSIP Number: 03062T105 Date of Event Which Requires Filing of this Statement: December 31, 2021 Check the appropriate box to designate the rule pursuant to which this Schedule is f

February 8, 2022 SC 13G/A

CRMT / America's Car-Mart, Inc. / DIMENSIONAL FUND ADVISORS LP - SEC SCHEDULE 13G Passive Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 5 )* America's Car-Mart Inc/TX (Name of Issuer) Common Stock (Title of Class of Securities) 03062T105 (CUSIP Number) December 31, 2021 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which t

December 8, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2021 ☐ TRANSITION REPORT PURSUANT T

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2021 Or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA?S CAR-MART,

November 19, 2021 8-K/A

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A Amendment No. 1 CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2021 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporati

November 19, 2021 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $3.33 on Record Revenues of $288 Million

EX-99.1 2 exh991.htm EXHIBIT 99.1 Exhibit 99.1 For Immediate Release America's Car-Mart Reports Diluted Earnings per Share of $3.33 on Record Revenues of $288 Million Rogers, Arkansas (November 17, 2021) – America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the second quarter of fiscal year 2022. “We continue to see solid productivity improvement and market share gain

November 18, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 17, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 18, 2021 EX-99.1

America’s Car-Mart Reports Diluted Earnings per Share of $3.33 on Record Revenues of $288 Million

EXHIBIT 99.1 America?s Car-Mart Reports Diluted Earnings per Share of $3.33 on Record Revenues of $288 Million ROGERS, Ark., Nov. 17, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the second quarter of fiscal year 2022. ?We continue to see solid productivity improvement and market share gains in an operating environment with historic supp

September 30, 2021 EX-99.1

America’s Car-Mart, Inc. Announces Amendment to Loan and Security Agreement

EXHIBIT 99.1 America?s Car-Mart, Inc. Announces Amendment to Loan and Security Agreement ROGERS, Ark., Sept. 30, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) (the ?Company?) today announced it has entered into Amendment No. 3 to the Third Amended and Restated Loan and Security Agreement (the ?Agreement?). Amendment No. 3 to the Agreement (the ?Amendment?) extends the term of the

September 30, 2021 EX-10.4

Amendment No. 3 to Third Amended and Restated Loan and Security Agreement dated September 29, 2021, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 10.4 to the Company’s Current Report on Form 8-K filed with the SEC on September 30, 2021).

Exhibit 10.4 Amendment No. 3 to Third Amended and Restated Loan and Security Agreement This Amendment No. 3 to Third Amended and Restated Loan and Security Agreement (?Amendment?) is dated as of September 29, 2021 and is entered into by and among America?s Car-Mart, Inc., a Texas corporation (?Parent?), Colonial Auto Finance, Inc., an Arkansas corporation (?Colonial?), America?s Car Mart, Inc., an

September 30, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): September 29, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission F

September 3, 2021 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2021 ☐ TRANSITION REPORT PURSUANT TO S

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2021 Or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA?S CAR-MART, INC

August 27, 2021 8-K

Submission of Matters to a Vote of Security Holders

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 25, 2021 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

August 17, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 17, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

August 17, 2021 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $3.57 on Record Revenues of $280 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $3.57 on Record Revenues of $280 Million ROGERS, Ark., Aug. 17, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the first quarter of fiscal year 2022. ?We continue to make foundational investments to our business model, and as expected, we are experiencing an increasing c

July 14, 2021 DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. )

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant x Filed by a Party other than the Registrant ? Check the appropriate box: ? Preliminary Proxy Statement ? Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) x Defin

July 2, 2021 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ? ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2021 OR ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AMERICA?S CAR-MART,

July 2, 2021 EX-4.2

Exhibit 4.1

Exhibit 4.2 Description of Securities The following is a description of the capital stock of America?s Car-Mart, Inc. (the ?Company?) and certain provisions of the Company?s Articles of Incorporation, as amended (?Articles?), Amended and Restated Bylaws, as amended (?Bylaws?), and certain provisions of applicable law. The following is only a summary and is qualified by applicable law and by the pr

July 2, 2021 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America?s Car-Mart, Inc. Name State of Incorporation/ Organization Additional Trade Names Crown Delaware Investments Corp. Delaware America?s Car Mart, Inc. Arkansas Car-Mart (individual auto dealerships may operate as ?Car-Mart of? the city in which the dealership is located) Discount Auto Auto Credit of Southern Illinois Colonial Auto Finance, Inc. Arkansas Colonial

June 29, 2021 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 ☐ TRANSITION REPORT PURSUANT TO SECTION 15(

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ? ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR ? TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America's Car-Mart, Inc. 401(K) Plan (F

June 7, 2021 EX-10.1

Change in Control Agreement, dated as of June 1, 2021, between America’s Car Mart, Inc., an Arkansas corporation, and Vickie D. Judy (Incorporated by reference to Exhibit 10.1 to the Company’s Current Report on Form 8-K filed with the SEC on June 7, 2021).

Exhibit 10.1 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is entered into by and between AMERICA?S CAR MART, INC., an Arkansas corporation (the ?Company?) and VICKIE D. JUDY (the ?Associate?) on this 1st day of June, 2021 (the ?Effective Date?). W I T N E S S E T H: WHEREAS, the Company is engaged in the business of the sale and financing of used vehicles; WHEREAS

June 7, 2021 EX-10.2

Change in Control Agreement, dated as of June 1, 2021, between America’s Car Mart, Inc., an Arkansas corporation, and Leonard L. Walthall

Exhibit 10.2 CHANGE IN CONTROL AGREEMENT This Change in Control Agreement (the ?Agreement?) is entered into by and between AMERICA?S CAR MART, INC., an Arkansas corporation (the ?Company?) and LEONARD L. WALTHALL (the ?Associate?) on this 1st day of June, 2021 (the ?Effective Date?). W I T N E S S E T H: WHEREAS, the Company is engaged in the business of the sale and financing of used vehicles; WH

June 7, 2021 8-K

Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 1, 2021 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file nu

May 25, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event Reported): May 24, 2021 America's Car-Mart Inc. (Exact Name of Registrant as Specified in Charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File Number

May 25, 2021 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $6.19 on Record Revenues of $279 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $6.19 on Record Revenues of $279 Million ROGERS, Ark., May 24, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the fourth quarter and full fiscal year 2021, including net income of $43.5 million, or diluted earnings per share of $6.19, for the quarter ended April 30, 2021

March 30, 2021 CORRESP

America’s Car-Mart, Inc. | 1805 N. 2nd Street Suite 401 | Rogers, AR 72756 | 479.464.9944

March 30, 2021 Via E-mail and EDGAR Transmission Ta Tanisha Meadows Division of Corporation Finance Office of Trade & Services Securities and Exchange Commission Washington, D.

March 25, 2021 EX-99.1

America’s Car-Mart, Inc. Releases Inaugural Corporate Responsibility Report

EXHIBIT 99.1 America?s Car-Mart, Inc. Releases Inaugural Corporate Responsibility Report ROGERS, Ark., March 25, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today released its first Corporate Responsibility Report as part of its ongoing efforts to increase disclosures and transparency. The report highlights the Company?s commitment to sustainable business practices and especial

March 25, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 25, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

March 19, 2021 8-K

Regulation FD Disclosure, Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers, Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 16, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File

March 19, 2021 EX-99.1

America’s Car-Mart Announces New Appointment to Board of Directors

EdgarFiling EXHIBIT 99.1 America’s Car-Mart Announces New Appointment to Board of Directors ROGERS, Arkansas , March 19, 2021 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) announced today that it has appointed Dawn C. Morris to its Board of Directors, effective April 1, 2021. The appointment of Ms. Morris fills the vacancy resulting from the previous retirement of Jim von Gremp from

March 5, 2021 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ? QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2021 Or ? TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA?S CAR-MART,

February 16, 2021 SC 13G/A

SCHEDULE 13G

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13G Under the Securities Exchange Act of 1934 (Amendment No. 4 )* America's Car-Mart Inc/TX (Name of Issuer) Common Stock (Title of Class of Securities) 03062T105 (CUSIP Number) December 31, 2020 (Date of Event Which Requires Filing of this Statement) Check the appropriate box to designate the rule pursuant to which t

February 16, 2021 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 10, 2021 AMERICA?S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fi

February 16, 2021 EX-10.2

Amendment No. 2 to Third Amended and Restated Loan and Security Agreement dated February 10, 2021, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 10.2 to the Company’s Current Report on Form 8-K filed with the SEC on February 16, 2021).

Exhibit 10.2 Amendment No. 2 to Third Amended and Restated Loan and Security Agreement This Amendment No. 2 to Third Amended and Restated Loan and Security Agreement (?Amendment?) is dated as of February 10, 2021 and is entered into by and among America?s Car-Mart, Inc., a Texas corporation (?Parent?), Colonial Auto Finance, Inc., an Arkansas corporation (?Colonial?), America?s Car Mart, Inc., an

February 16, 2021 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): February 16, 2021 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

February 16, 2021 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $2.85 on Record Revenues of $228 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $2.85 on Record Revenues of $228 Million ROGERS, Ark., Feb. 16, 2021 (GLOBE NEWSWIRE) - America?s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the third quarter of fiscal year 2021. ?Our results reflect the power of our business model which, at its core, is based on giving our customers ?peace of mind?

February 10, 2021 SC 13G

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934

SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Schedule 13G Under the Securities Exchange Act of 1934 Name of issuer: America's Car-Mart Inc./TX Title of Class of Securities: Common Stock CUSIP Number: 03062T105 Date of Event Which Requires Filing of this Statement: December 31, 2020 Check the appropriate box to designate the rule pursuant to which this Schedule is filed: ☒ Rule 13d-1(b

January 6, 2021 EX-99.1

America’s Car-Mart, Inc. Announces Increase of Revolving Line of Credit to $326 Million

EXHIBIT 99.1 America’s Car-Mart, Inc. Announces Increase of Revolving Line of Credit to $326 Million Rogers, Arkansas, Dec. 31, 2020 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) (the “Company”) today announced it has utilized a portion of the accordion feature under its Third Amended and Restated Loan and Security Agreement (“Agreement”). The increase allows for total permitted borro

January 6, 2021 8-K

Regulation FD Disclosure, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): December 31, 2020 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

December 4, 2020 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2020 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

November 16, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): November 16, 2020 America's Car-Mart Inc. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission Fi

November 16, 2020 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $3.05 on Record Revenues of $223 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $3.05 on Record Revenues of $223 Million ROGERS, Ark., Nov. 16, 2020 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the second quarter of fiscal year 2021. “Our disciplined execution and ongoing focus are propelling the business forward at an accelerating pace. At the same ti

November 4, 2020 EX-4.2

Amendment No. 1 to Third Amended and Restated Loan and Security Agreement dated October 29, 2020, among America’s Car-Mart, Inc., a Texas corporation, as Parent; Colonial Auto Finance, Inc., an Arkansas corporation, America’s Car Mart, Inc., an Arkansas corporation, and Texas Car-Mart, Inc., a Texas corporation, as Borrowers; and certain financial institutions, as Lenders, with BMO Harris Bank, N.A., as Agent, Lead Arranger and Book Manager (Incorporated by reference to Exhibit 4.2 to the Company’s Current Report on Form 8-K filed with the SEC on November 4, 2020).

Exhibit 4.2 Amendment No. 1 to Third Amended and Restated Loan and Security Agreement This Amendment No. 1 to Third Amended and Restated Loan and Security Agreement (“Amendment”) is dated as of October 29, 2020 and is entered into by and among America’s Car-Mart, Inc., a Texas corporation (“Parent”), Colonial Auto Finance, Inc., an Arkansas corporation (“Colonial”), America’s Car Mart, Inc., an Ar

November 4, 2020 8-K

Entry into a Material Definitive Agreement, Financial Statements and Exhibits, Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): October 29, 2020 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission fil

September 4, 2020 10-Q

Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 31, 2020 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART, INC

August 31, 2020 EX-10.3

Amendment to Amended and Restated Stock Option Plan (Incorporated by reference to Exhibit 10.3 to the Company’s Current Report on Form 8-K filed with the SEC on August 31, 2020).

Exhibit 10.3 Amendment to Amended and Restated Stock Option Plan AMENDMENT TO AMERICA’S CAR-MART, INC. Amended and Restated Stock Option Plan Approved August 26, 2020 America’s Car-Mart, Inc., a Texas corporation (the “Company”), hereby amends (the “Amendment”) the America’s Car-Mart, Inc. Amended and Restated Stock Option Plan (the “Plan”), as set forth herein. 1. Background Information. The Comp

August 31, 2020 8-K

Financial Statements and Exhibits, Other Events, Submission of Matters to a Vote of Security Holders - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): August 26, 2020 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

August 18, 2020 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $2.83 on Revenues of $188 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $2.83 on Revenues of $188 Million ROGERS, Ark., Aug. 17, 2020 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the first quarter of fiscal year 2021. “Once again, results were strong, and our ‘scoreboard’ is solid. We are certainly proud of the operating success; however, we do

August 18, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition - FORM 8-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event Reported): August 17, 2020 America's Car-Mart Inc. (Exact Name of Registrant as Specified in Charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File Num

August 18, 2020 DEFA14A

- DEFA14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☐ Defin

July 15, 2020 8-K/A

Financial Statements and Exhibits

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K/A (Amendment No. 5) CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): June 22, 2015 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation

July 15, 2020 EX-10.2

Employment Agreement, dated as of May 1, 2015, between America’s Car Mart, Inc., an Arkansas corporation, and Jeffrey A. Williams.

Exhibit 10.2 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made effective as of May 1, 2015 between AMERICA’S CAR MART, INC., an Arkansas corporation (the “Company”) and JEFFREY A. WILLIAMS (the “Associate”). W I T N E S S E T H: WHEREAS, the Company is engaged in the business of the sale and financing of used vehicles (“Company Business”); and WHEREAS, the Associate is a Sen

July 15, 2020 DEF 14A

- DEF 14A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14A Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box: ☐ Preliminary Proxy Statement ☐ Confidential, for Use of the Commission Only (as permitted by Rule 14a-6(e)(2)) ☒ Defin

July 15, 2020 EX-10.1

Employment Agreement, dated as of May 1, 2015, between America’s Car Mart, Inc., an Arkansas corporation, and William H. Henderson.

Exhibit 10.1 EMPLOYMENT AGREEMENT This Employment Agreement (the “Agreement”) is made effective as of May 1, 2015 between AMERICA’S CAR MART, INC., an Arkansas corporation (the “Company”) and WILLIAM H. HENDERSON (the “Associate”). W I T N E S S E T H: WHEREAS, the Company is engaged in the business of the sale and financing of used vehicles (“Company Business”); and WHEREAS, the Associate is a Se

June 29, 2020 11-K

- FORM 11-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 Form 11-K ☒ ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 America's Car-Mart, Inc. 401(K) Plan (F

June 24, 2020 EX-21.1

Subsidiaries of America’s Car-Mart, Inc.

Exhibit 21.1 Subsidiaries of America’s Car-Mart, Inc. Crown Delaware Investments Corp. (a Delaware corporation) America’s Car Mart, Inc. (an Arkansas Corporation) Colonial Auto Finance, Inc. (an Arkansas Corporation) Colonial Underwriting, Inc. (an Arkansas Corporation) Texas Car-Mart, Inc. (a Texas corporation) Auto Finance Investors, Inc. (a Texas corporation) ACM Insurance Company (an Arkansas

June 24, 2020 10-K

Annual Report - FORM 10-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended April 30, 2020 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 0-14939 AMERICA’S CAR-MART,

June 24, 2020 EX-4.2

Description of Securities

Exhibit 4.2 Description of Securities The following is a description of the capital stock of America’s Car-Mart, Inc. (the “Company”) and certain provisions of the Company’s Articles of Incorporation, as amended (“Articles”), Amended and Restated Bylaws, as amended (“Bylaws”), and certain provisions of applicable law. The following is only a summary and is qualified by applicable law and by the pr

May 21, 2020 EX-99.1

America's Car-Mart Reports Diluted Earnings per Share of $1.35 on Record Revenues of $196 Million

EXHIBIT 99.1 America's Car-Mart Reports Diluted Earnings per Share of $1.35 on Record Revenues of $196 Million BENTONVILLE, Ark., May 21, 2020 (GLOBE NEWSWIRE) - America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced its operating results for the fourth quarter and the full fiscal year 2020. The fourth quarter results include an $11.7 million pretax charge to increase the allowance for credit los

May 21, 2020 8-K

Financial Statements and Exhibits, Results of Operations and Financial Condition

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event Reported): May 21, 2020 America's Car-Mart Inc. (Exact Name of Registrant as Specified in Charter) Texas 0-14939 63-0851141 (State or Other Jurisdiction of Incorporation) (Commission File Number

March 23, 2020 8-K

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): March 18, 2020 AMERICA’S CAR-MART, INC. (Exact name of registrant as specified in its charter) Texas 0-14939 63-0851141 (State or other jurisdiction of incorporation) (Commission file

March 16, 2020 10-Q

CRMT / America's Car-Mart, Inc. 10-Q - Quarterly Report - FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended January 31, 2020 Or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number: 0-14939 AMERICA’S CAR-MART,

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