Regional Management Corp. Announces Fourth Quarter 2013 Results

Regional Management Corp. (NYSE:RM), a diversified specialty consumer finance company, today announced results for the fourth quarter and full year ended December 31, 2013.

Fourth Quarter 2013 Highlights
  • Total fourth quarter 2013 revenue was $48.5 million, a 31.6% increase from the prior-year period.
  • Same-store 1 revenue growth for the fourth quarter of 2013 was 17.0%. Same-store finance receivables growth for the fourth quarter of 2013 was 11.5%.
  • Finance receivables as of December 31, 2013 were $544.7 million, an increase of 23.9% from the prior-year period.
  • GAAP net income for the fourth quarter of 2013 was $8.4 million, a 29.6% increase from net income of $6.5 million in the prior-year period. Diluted earnings per share were $0.65 based on a diluted share count of 13.0 million. Excluding $1.5 million of pre-tax expenses related to director compensation and the secondary offering completed in December 2013, non-GAAP net income for the fourth quarter of 2013 was $9.4 million and diluted earnings per share were $0.73. For a reconciliation of non-GAAP to GAAP measures, please review the disclosures and table included with this release.
  • Annualized net charge-offs as a percentage of average finance receivables for the fourth quarter of 2013 was 7.8%, an increase from 7.1% in the prior-year period (for the full year 2013, net charge-offs as a percentage of average finance receivables were 6.9%; an increase from 6.5% in the prior year). Provision for credit losses for the fourth quarter of 2013 was 24.0% of revenue, comparable with the prior-year period.
  • On December 10, 2013, Regional Management announced the closing of a secondary offering of 2,346,074 shares of its common stock, at a price of $31.00 per share, by: (i) Palladium Equity Partners III, L.P., an existing stockholder of Regional Management and an affiliate of Palladium Equity Partners; (ii) Parallel 2005 Equity Fund, LP, an existing stockholder of Regional Management and an affiliate of Parallel Investment Partners; (iii) entities affiliated with Richard A. Godley, a director, existing stockholder and founder of Regional Management; and (iv) C. Glynn Quattlebaum, President and Chief Operating Officer of Regional Management and an existing stockholder and founder of Regional Management. Regional Management did not receive any proceeds from the offering.

________________________________

1 Defined as stores open for at least 13 months.

“2013 was a very solid year for Regional Management, as we continued to see significant top-line and same-store sales growth flow toward our bottom line,” said Thomas F. Fortin, Chief Executive Officer of Regional Management Corp. “In terms of the fourth quarter, we were pleased with our top-line performance, as well as the continued growth of our finance receivables, which was bolstered by ongoing success from our direct mail campaigns. Due in part to the successful campaigns and our small installment loan category comprising a larger share of our overall portfolio, we did see a tick-up in the fourth quarter of our annualized net charge-offs as a percentage of average finance receivables, and will continue to watch that figure closely in 2014. We are proud of the effort and dedication displayed by our entire team to make 2013 such a success for Regional Management, and we remain optimistic about the opportunities that are present for the future growth of Regional Management and the creation of long-term shareholder value. Finally, we certainly want to thank Palladium and Parallel, as without their dedication to and support of Regional Management over the past seven years, we would not be where we stand today.”

In addition, Regional Management will certify in its 2013 annual report on Form 10-K that its internal controls over financial reporting were effective as of December 31, 2013, thus being in compliance with requirements under the Sarbanes-Oxley Act of 2002. In connection with its internal control implementation work, Regional Management is making immaterial corrections to prior period financial statements when it files its 2013 Form 10-K. As a result, Regional Management’s financial statements for the three months and full year ended December 31, 2012 included in this press release have been revised from the amounts previously reported. Please refer to the table “Revisions to Financial Statements” included later in this release for more information.

Fourth Quarter 2013 Results

For the fourth quarter ended December 31, 2013, Regional Management reported total revenue of $48.5 million, a 31.6% increase from $36.9 million in the prior-year period. Interest and fee income for the fourth quarter of 2013 was $43.7 million, a 32.9% increase from $32.8 million in the prior-year period, primarily due to a 23.9% year-over-year increase in finance receivables. Insurance and other income for the fourth quarter of 2013 was $4.9 million, a 20.6% increase from the prior-year period. Same-store revenue growth for the fourth quarter of 2013 was 17.0%.

Finance receivables outstanding at December 31, 2013 were $544.7 million, a 23.9% increase from $439.5 million in the prior-year period. Finance receivables increased due to the addition of 41 de novo branches and 2 acquired branches since December 31, 2012, as well as the increase in same-store finance receivables, which grew 11.5% in the fourth quarter.

Provision for credit losses in the fourth quarter of 2013 was $11.6 million versus $8.8 million in the prior-year period, primarily due to the increase in loan volume. Annualized net charge-offs as a percentage of average finance receivables for the fourth quarter of 2013 was 7.8%, an increase from 7.1% in the prior-year period.

General and administrative expenses for the fourth quarter of 2013 were $19.5 million, an increase of 29.9% from $15.0 million in the prior-year period, primarily due to increased personnel costs from opening and acquiring an additional 43 branches since December 31, 2012 and $1.5 million of one-time expenses, consisting of $1.2 million of director compensation expense and $0.3 million related to the secondary offering completed in December 2013. Regional Management’s efficiency ratio—the percentage of general and administrative expenses compared to total revenue—in the fourth quarter of 2013 was 40.1%, an improvement of 60 basis points from 40.7% in the prior-year period; excluding the one-time expenses, Regional Management’s efficiency ratio for the fourth quarter of 2013 would have been 37.0%.

GAAP net income for the fourth quarter of 2013 was $8.4 million, a 29.6% increase compared to net income of $6.5 million in the prior-year period. Diluted earnings per share for the fourth quarter of 2013 were $0.65, an increase from $0.51 in the prior-year period. Excluding expenses related to director compensation and the secondary offering, non-GAAP net income for the fourth quarter of 2013 was $9.4 million and diluted earnings per share were $0.73.

Full Year 2013 Results

For the full year ended December 31, 2013, Regional Management reported total revenue of $170.6 million, a 25.7% increase from $135.7 million in the prior year. Interest and fee income for the full year ended December 31, 2013 was $152.3 million, a 28.0% increase from $119.0 million in the prior year. Insurance and other income for the full year ended December 31, 2013 was $18.3 million, a 9.7% increase from the prior year.

Provision for loan losses in the full year ended December 31, 2013 was $39.2 million versus $27.8 million in the prior year, primarily due to the increase in loan volume. Net charge-offs as a percentage of average finance receivables for the full year ended December 31, 2013 was 6.9%, an increase from 6.5% in the prior year.

General and administrative expenses for the full year ended December 31, 2013 were $71.0 million, an increase of 27.9% from $55.6 million in the prior-year period, primarily due to increased personnel costs from opening and acquiring an additional 43 branches since December 31, 2012. Regional Management’s efficiency ratio in the full year ended December 31, 2013 was 41.6%, an increase of 70 basis points from 40.9% in the prior year. Excluding one-time expenses, Regional Management’s efficiency ratio for the full year ended December 31, 2013 would have been 40.5%.

GAAP net income for the full year ended December 31, 2013 was $28.8 million, a 16.3% increase compared to GAAP net income of $24.8 million in the prior year, and diluted earnings per share for the full year ended December 31, 2013 were $2.23 compared to $2.07 in the prior year. Excluding one-time expenses in 2013 and one-time expenses related to Regional Management’s IPO in 2012, non-GAAP net income for the full year ended December 31, 2013 was $30.3 million and diluted earnings per share were $2.35, versus pro forma net income of $26.4 million and diluted earnings per share of $2.07 (based on a diluted share count of 12.8 million) for the prior year.

2014 De Novo Update

As of December 31, 2013, Regional Management’s branch network consisted of 264 locations. Through today, Regional Management has opened 9 de novo branches in 2014 and plans to have 28 de novo branches open by the end of the second quarter.

Liquidity and Capital Resources

As of December 31, 2013, Regional Management had finance receivables of $544.7 million and outstanding debt of $362.8 million on its $500.0 million senior revolving credit facility and on its $1.5 million cash management line of credit.

Conference Call Information

Regional Management Corp. will host a conference call and webcast today at 5:00 PM Eastern. Both the call and webcast are open to the general public.

The dial-in number for the conference call is (866) 953-6858, passcode 40160670 – please dial the number 10 minutes prior to the scheduled start time. A live webcast of the conference call will also be available on Regional Management’s website at www.RegionalManagement.com.

A replay of the call will be available two hours following the end of the call through midnight Eastern on Tuesday, March 18 at www.RegionalManagement.com and by telephone at (888) 286-8010, passcode 72648176.

Forward-Looking Statements

This press release may contain various “forward-looking statements” within the meaning of Section 27A of the Securities Exchange Act of 1934, as amended, which represent Regional Management Corp.’s expectations or beliefs concerning future events. Such forward-looking statements are about matters that are inherently subject to risks and uncertainties, many of which are outside of the control of Regional Management. Factors that could cause actual results or performance to differ from the expectations expressed or implied in such forward-looking statements include, but are not limited to, the following: the continuation or worsening of adverse conditions in the global and domestic credit markets and uncertainties regarding, or the impact of governmental responses to those conditions; changes in interest rates; risks related to acquisitions and new branches; risks inherent in making loans, including repayment risks and value of collateral, which risks may increase in light of adverse or recessionary economic conditions; recently-enacted or proposed legislation; the timing and amount of revenues that may be recognized by Regional Management; changes in current revenue and expense trends (including trends affecting delinquencies and charge-offs); changes in Regional Management’s markets and general changes in the economy (particularly in the markets served by Regional Management). Such factors are discussed in greater detail in Regional Management’s filings with the Securities and Exchange Commission. Regional Management will not and is not responsible for updating the information contained in this press release beyond the publication date, or for changes made to this document by wire services or Internet services.

About Regional Management Corp.

Regional Management Corp. (NYSE: RM) is a diversified specialty consumer finance company providing a broad array of loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies and other traditional lenders. Regional Management began operations in 1987 with four branches in South Carolina and has since expanded its branch network across South Carolina, Texas, North Carolina, Tennessee, Alabama, Oklahoma, New Mexico and Georgia. Each of its loan products is structured on a fixed rate, fixed term basis with fully amortizing equal monthly installment payments and is repayable at any time without penalty. Regional Management’s loans are sourced through its multiple channel platform, including in its branches, through direct mail campaigns, independent and franchise automobile dealerships, online credit application networks, furniture and appliance retailers and its consumer website. For more information, please visit http://www.RegionalManagement.com.
               

Regional Management Corp. and Subsidiaries

Consolidated Statements of Income

($ in thousands, except per share amounts)

(Unaudited)
 
Three Months Ended

December 31,
Twelve Months Ended

December 31,
2013 2012 2013 2012
Revenue
Interest and fee income $ 43,668 $ 32,849 $ 152,343 $ 119,025
Insurance income, net 2,895 2,606 11,470 10,681
Other income   1,979   1,435   6,816   5,991
Total revenue   48,542   36,890   170,629   135,697
 
Expenses
Provision for credit losses 11,638 8,846 39,192 27,765
General and administrative expenses
Personnel 10,082 8,631 39,868 33,492
Occupancy 3,261 2,374 11,640 8,655
Marketing 1,144 910 3,980 2,767
Other 4,993 3,084 15,551 10,644
Consulting and advisory fees 1,451
Interest expense
Senior revolving credit facility and other debt 3,909 3,024 14,144 10,580
Mezzanine debt-related parties         1,030
Total interest expense   3,909   3,024   14,144   11,610
Total expenses   35,027   26,869   124,375   96,384
Income before income taxes 13,515 10,021 46,254 39,313
Income taxes   5,130   3,552   17,460   14,561
Net income $ 8,385 $ 6,469 $ 28,794 $ 24,752
Net income per common share:
Basic $ 0.66 $ 0.52 $ 2.29 $ 2.12
Diluted $ 0.65 $ 0.51 $ 2.23 $ 2.07
Weighted average common shares outstanding:
Basic   12,614,503   12,486,727   12,572,298   11,694,924
Diluted   12,984,270   12,779,515   12,893,693   11,980,748
 
       

Regional Management Corp. and Subsidiaries

Consolidated Balance Sheets

($ in thousands, except per share amounts)

(Unaudited)
 
December 31, December 31,
2013 2012
Assets
Cash $ 4,121 $ 3,298
Gross finance receivables 658,176 531,850
Less unearned finance charges, insurance premiums, and commissions   (113,492 )   (92,376 )
Finance receivables 544,684 439,474
Allowance for credit losses   (30,089 )   (23,616 )
Net finance receivables 514,595 415,858
Property and equipment, net of accumulated depreciation 7,100 5,111
Repossessed assets at net realizable value 548 711
Goodwill 716 363
Intangible assets, net 1,386 1,815
Other assets   5,422     7,361  
Total assets $ 533,888   $ 434,517  
 
Liabilities and Stockholders’ Equity
Liabilities:
Deferred tax liability, net $ 2,653 $ 5,947
Accounts payable and accrued expenses 7,312 6,987
Senior revolving credit facility   362,750     292,379  
Total liabilities 372,715 305,313
Commitments and Contingencies
Stockholders’ equity:
Preferred stock, $0.10 par value, 100,000,000 shares authorized, no shares issued and outstanding at December 31, 2013 and December 31, 2012
Common stock, $0.10 par value, 1,000,000,000 shares authorized, 12,652,197 shares issued and outstanding at December 31, 2013; 1,000,000,000 shares authorized, 12,486,727 shares issued and outstanding at December 31, 2012 1,265 1,249
Additional paid-in-capital 83,317 80,158
Retained earnings   76,591     47,797  
Total stockholders’ equity   161,173     129,204  
Total liabilities and stockholders’ equity $ 533,888   $ 434,517  
 
           

Regional Management Corp. and Subsidiaries

Selected Financial Data

(Unaudited)

($ in thousands)
 
Components of Increase in Interest and Fee Income Three Months Ended December 31, 2013 Compared to Three Months Ended December 31, 2012 Increase (Decrease)
Volume Rate Net
Small installment loans $ 11,265 $ (67 ) $ 11,198
Large installment loans (646 ) (39 ) (685 )
Automobile purchase loans 873 (531 ) 342
Retail purchase loans   139     (175 )   (36 )
Total increase in interest and fee income $ 11,631  

$

(812

)
$ 10,819  
 
               
Three Months Ended December 31,
2013 2012
Total annualized yield 36.9% 35.5%
Average net finance receivables $526,252 $415,187
 
           
Loans Originated (1)

Three Months Ended December 31,
2013 2012
Small installment loans $ 215,255 $ 146,577
Large installment loans 17,222 22,554
Automobile purchase loans 26,064 32,340
Retail purchase loans   8,721   9,919
Total finance receivables $ 267,262 $ 211,390
 

(1) Represents gross balance of loan originations, including unearned finance charges
 
               
Three Months Ended December 31,
2013 2012
Amount Percentage of Average Finance Receivables (Annualized) Amount Percentage of Average Finance Receivables (Annualized)
Net charge-offs as a percentage of average finance receivables $ 10,231 7.8 % $ 7,363

7.1

%
 
Amount Percentage of Total Revenue Amount Percentage of Total Revenue
Provision for credit losses $ 11,638

24.0

%
$ 8,846

24.0

%
General and administrative expenses $ 19,480

40.1

%
$ 14,999

40.7

%
 
Amount Growth Rate Amount Growth Rate
Same store finance receivables at period-end/growth rate $ 478,969

11.5

%
$ 380,229

27.1

%
Same store revenue growth rate

17.0

%

16.9

%
Number of branches in calculation 213 167
 
           
Components of Increase in Interest and Fee Income Twelve Months Ended December 31, 2013 Compared to Twelve Months Ended December 31, 2012 Increase (Decrease)
Volume Rate Net
Small installment loans $ 37,943 $ (5,875 ) $ 32,068
Large installment loans (2,305 ) (1,431 ) (3,736 )
Automobile purchase loans 5,712 (2,164 ) 3,548
Retail purchase loans   1,896     (458 )   1,438  
Total increase in interest and fee income $ 43,246  

$

(9,928

)
$ 33,318  
 
             
Loans Originated (1)

Twelve Months Ended December 31,
2013 2012
Small installment loans $ 683,603 $ 438,153
Large installment loans 62,499 77,416
Automobile purchase loans 125,958 133,601
Retail purchase loans   34,311   36,611
Total finance receivables $ 906,371 $ 685,781

 

(1) Represents gross balance of loan originations, including unearned finance charges
 
               
Twelve Months Ended December 31,
2013 2012
Amount Percentage of Average Finance Receivables Amount Percentage of Average Finance Receivables
Net charge-offs as a percentage of average finance receivables $ 32,718 6.9 % $ 23,449

6.5

%
 
Amount Percentage of Total Revenue Amount Percentage of Total Revenue
Provision for credit losses $ 39,192

23.0

%
$ 27,765

20.5

%
General and administrative expenses $ 71,039

41.6

%
$ 55,558

40.9

%
 
           
Finance Receivables

As of December 31,
2013 2012
Small installment loans $ 288,979 $ 188,562
Large installment loans 43,311 52,001
Automobile purchase loans 181,126 168,604
Retail purchase loans   31,268   30,307
Total finance receivables $ 544,684 $ 439,474
 
Number of branches at period end 264 221
Average finance receivables per branch $ 2,063 $ 1,989
 
               
As of December 31,
2013 2012
Amount Percentage of Total Finance Receivables Amount Percentage of Total Finance Receivables
Allowance for credit losses $ 30,089

5.5

%
$ 23,616

5.4

%
Over 30 days contractually delinquent $ 43,810

8.0

%
$ 29,535

6.7

%
Over 90 days contractually delinquent $ 17,455

3.2

%
$ 11,099

2.5

%
Over 180 days contractually delinquent $ 2,096

0.4

%
$ 1,996

0.5

%
 
           

Regional Management Corp. and Subsidiaries

Unaudited Non-GAAP Reconciliation of Selected Financial Data

For the Three and Twelve Months Ended December 31, 2013

($ in thousands, except per share amounts)
 
 
Three Months Ended December 31, 2013
Actual Adjustments Non-GAAP
General and administrative expenses $ 19,480 $

(1,503)

(1)
$ 17,977
 
Income taxes $ 5,130 $

450

(2)
$ 5,580
 
Net income $ 8,385 $ 1,053 $ 9,438
 
Diluted net income per common share $ 0.65 $ 0.73
Diluted weighted average common shares outstanding 12,984,270 12,984,270
 
Efficiency ratio 40.1% 37.0%
 
           
 
Twelve Months Ended December 31, 2013
Actual Adjustments Non-GAAP
General and administrative expenses $ 71,039 $

(1,959)

(3)
$ 69,080
 
Income taxes $ 17,460 $

450

(2)
$ 17,910
 
Net income $ 28,794 $ 1,509 $ 30,303
 
Diluted net income per common share $ 2.23 $ 2.35
Diluted weighted average common shares outstanding 12,893,693 12,893,693
 
Efficiency ratio 41.6% 40.5%
 
   

(1

)

Expenses related to the three months ended December 31, 2013:

Director compensation

$

1,210

 

 

 

Secondary offering

$

293

 

 

(2

)

Tax effect of the director compensation expense (secondary offering expense is non-deductible for tax purposes)

(3

)

Expenses related to the twelve months ended December 31, 2013:

Director compensation

$

1,210

 

 

Secondary offering

$

749

 

 
 
 

Regional Management Corp. and Subsidiaries Revision to Financial Statements ($ in thousands, except per share amounts) (Unaudited)

As stated earlier in this release, the financial statements for the 2012 periods included in this release have been revised from the amounts previously reported to correct immaterial errors relating to interest income, insurance premiums, compensated absences, state franchise taxes, and income taxes. Following a materiality assessment in accordance with the Securities and Exchange Commission Staff Accounting Bulletin No. 99, Materiality, and Staff Accounting Bulletin No. 108, Considering the Effects of Prior Year Misstatements when Quantifying Misstatements in Current Year Financial Statements, the Company concluded that the prior period errors were immaterial to the previously issued financial statements and those financial statements can continue to be relied upon. The revisions and their effect on resulting line items are detailed as follows:
                     
Consolidated Statements of Income
Three Months Ended

December 31, 2012
Twelve Months Ended

December 31, 2012
As Reported (1) Revised Change As Reported (1) Revised Change
Interest and fee income $ 32,902 $ 32,849

$

(53

)
$ 119,235 $ 119,025

$

(210

)
Insurance income, net 2,663 2,606

(57

)
10,820 10,681

(139

)
Total revenue 37,000 36,890

(110

)
136,046 135,697

(349

)
Personnel 8,622 8,631 9 33,453 33,492 39
Other 3,027 3,084 57 10,413 10,644 231
Total expenses 26,803 26,869 66 96,114 96,384 270
Income before income taxes 10,197 10,021

(176

)
39,932 39,313

(619

)
Income taxes 3,560 3,552

(8

)
14,565 14,561

(4

)
Net income $ 6,637 $ 6,469

$

(168

)
$ 25,367 $ 24,752

$

(615

)
Net income per common share:
Basic $ 0.53 $ 0.52

$

(0.01

)
$ 2.17 $ 2.12

$

(0.05

)
Diluted $ 0.52 $ 0.51

$

(0.01

)
$ 2.12 $ 2.07

$

(0.05

)
 
           
Consolidated Balance Sheet
December 31, 2012
As Reported (1) Revised Change
Less unearned finance charges, insurance premiums, and commissions

$

(92,024

)

$

(92,376

)

$

(352

)
Finance receivables 439,826 439,474

(352

)
Net finance receivables 416,210 415,858

(352

)
Other assets 7,483 7,361

(122

)
Total assets 434,991 434,517

(474

)
Accounts payable and accrued expenses 6,096 6,987 891
Total liabilities 304,422 305,313 891
Retained earnings 49,162 47,797

(1,365

)
Total stockholders’ equity 130,569 129,204

(1,365

)
Total liabilities and stockholders’ equity $ 434,991 $ 434,517

$

(474

)
 

(1) Certain prior period amounts have been reclassified to conform to the current presentation. Such reclassifications had no impact on previously reported net income or stockholders’ equity.
           

Regional Management Corp. and Subsidiaries

Unaudited Pro Forma Consolidated Statements of Income

For the Twelve Months Ended December 31, 2012

($ in thousands, except per share amounts)
 
Actual Pro Forma Adjustments Pro Forma
Revenue
Interest and fee income $ 119,025 $ $ 119,025
Insurance income, net 10,681 10,681
Other income   5,991         5,991
 
Total revenue   135,697         135,697
Expenses
Provision for credit losses 27,765 27,765
General and administrative expenses
Personnel 33,492

140

(1)
33,632
Occupancy 8,655 8,655
Marketing 2,767 2,767
Other 10,644 10,644
Consulting and advisory fees 1,451

(1,451

)

(2)
Interest expense
Senior revolving credit facility and other debt 10,580

(247

)

(3)
10,333
Mezzanine debt-related parties   1,030  

(1,030

)

(4)
 
Total interest expense   11,610  

(1,277

)
    10,333
Total expenses   96,384  

(2,588

)
    93,796
Income before income taxes 39,313 2,588 41,901
Income taxes   14,561  

942
 

(5)
  15,503
Net income $ 24,752 $ 1,646     $ 26,398
Net income per common share:
Basic $ 2.12 $ 2.11
Diluted $ 2.07 $ 2.07
Weighted average shares outstanding:
Basic   11,694,924   12,486,727
Diluted   11,980,748   12,772,551
 
 

(1)

Represents additional compensation expense associated with the grant of options upon consummation of the initial public offering.

(2)

Represents a termination fee of $1,125, combined with the $326 we paid our former majority stockholders and sponsors for the three months ended March 31, 2012. The agreements with the former majority stockholders and sponsors terminated with the completion of the initial public offering.

(3)

Reflects reduction in interest expense as a result of payment of $13,229 in aggregate principal amount of our senior revolving credit facility, offset in part by an unused line fee of 0.50%. Also reflects a reduction in the interest rate under our senior revolving credit facility from one month LIBOR (with a LIBOR floor of 1.00%) plus 3.25% to one month LIBOR (with a LIBOR floor of 1.00%) plus 3.00%.

(4)

Reflects reduction in interest expense as a result of the repayment of the $25,814 in aggregate principal amount of our mezzanine debt, which accrued interest at a rate of 15.25% per annum.

(5)

Reflects an increase in income taxes as a result of the increase in income before taxes.

Copyright Business Wire 2010

If you liked this article you might like

Losing Streak at Tom Brown's Hedge Fund Shows the CEO's Not Your Bro

Losing Streak at Tom Brown's Hedge Fund Shows the CEO's Not Your Bro

Insider Trading Alert - NATH, RM And TIPT Traded By Insiders

Insider Trading Alert - NATH, RM And TIPT Traded By Insiders

Insider Trading Alert - IRIX, SGA And RM Traded By Insiders

Insider Trading Alert - IRIX, SGA And RM Traded By Insiders

Insider Trading Alert - RM, BMR And PF Traded By Insiders

Insider Trading Alert - RM, BMR And PF Traded By Insiders

5 Stocks Insiders Are Snapping Up: Biglari, Catalyst Pharma and More

5 Stocks Insiders Are Snapping Up: Biglari, Catalyst Pharma and More