CRMT

<span>Amendment Provides Covenant Relief and Runway to Advance Its Strategic Review<p align="left">ROGERS, Ark., June 19, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”), today announced that it has entered into an amendment (the “Amendment”) to its Credit and Guaranty Agreement with Silver Point Finance, LLC, as Administrative Agent, and the Company’s lenders, as part of the Company’s proactive efforts to preserve liquidity and advance its ongoing strategic alternatives process.</p> <p>The Amendment provides the Company with covenant relief and a defined path forward as it works with its advisors to complete a review of strategic alternatives. A Special Committee of the Company’s Board of Directors will continue to actively evaluate the full range of strategic and financing alternatives available to the Company, with a focus on identifying the outcome that maximizes value for all of the Company’s stakeholders.</p> <p>“The Amendment provides us the time to evaluate strategic alternatives and pursue an outcome that best serves our stakeholders,” said Doug Campbell, Chief Executive Officer. “We appreciate our lenders’ cooperation and their agreement to provide us this time, and we are focused on executing on the milestones ahead.”</p> <p>Under the terms of the Amendment, the Company must satisfy certain milestones, and the lenders have agreed to waive specified defaults and events of default under the Credit Agreement and to provide covenant relief for a defined period. The Amendment provides for an initial period running through early September 2026, with the ability to extend to November 2026 if certain conditions are satisfied, providing the Company with a workable timeline to advance its review of strategic alternatives. Additional details of the Amendment will be included in the Company’s Current Report on Form 8-K that the Company intends to file with the Securities and Exchange Commission in the coming days.</p> <p align="justify">There can be no assurance that the Company’s review of strategic alternatives will result in any transaction or other outcome, or as to the timing or terms of any such transaction or outcome. The Company does not intend to comment further regarding the review unless and until it determines that further disclosure is appropriate or required.</p> <p>The Company is advised by Mayer Brown LLP as legal counsel, Houlihan Lokey Capital, Inc. as investment banker, and FTI Consulting as financial advisor.</p> <p><strong>About America’s Car-Mart, Inc.</strong></p> <p>America’s Car-Mart operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at www.car-mart.com.</p> <p align="justify"><strong>Forward Looking Statements <br /></strong>This press release contains “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. All statements contained in this press release that do not relate to matters of historical fact should be considered forward-looking statements. Words such as “expects,” “believes,” “will,” “would,” “plans,” “intends,” “continue,” “remain,” and other similar words and expressions are intended to signify forward-looking statements. These forward-looking statements include, without limitation, statements regarding the Amendment and the covenant relief and waivers provided thereunder, the milestones and conditi

<span> <p align="justify">ROGERS, Ark., March 12, 2026 (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, 2026.</p> <p align="center"><strong>Third Quarter Key Highlights (FY’26 Q3 vs. FY’25 Q3, unless otherwise noted)</strong></p> <ul><li style="margin-top:6pt; margin-bottom:0.0001pt;">Sales volumes declined 22.1% to 10,275 units, reflecting constraints on origination capacity resulting from the Company's ongoing capital structure transition as well as the significant weather event impacting the south-central states in late January</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Completed Phase 2 store consolidations in January 2026; active dealership count reduced to 136; 18 total locations consolidated across Phases 1 and 2 as part of our ongoing operational improvement initiative</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Completed ACM Auto Trust 2025-4 securitization in December 2025 and issued $161.3 million in asset-backed notes</li><li style="margin-top:6pt; margin-bottom:8pt;">Total revenue of $286.8 million, down 12.0%; interest income increased 3.1% to $64.2 million</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Gross profit per unit improved 8.8% to $7,762; gross margin percentage of 35.8% vs. 35.7%</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Total collections of $179.0 million, up 1.5% year-over-year</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Net charge-offs as a percentage of average finance receivables were 6.5% vs. 6.1%</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">SG&A of $51.5 million; includes $2.8 million in non-recurring store consolidation charges; adjusted SG&A¹ of $48.7 million, or 21.8% of sales</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Recorded a non-cash charge of $47.0 million to establish a valuation allowance against deferred tax assets</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Loss per share of $9.25 and adjusted loss per share¹ of $1.53</li><li style="margin-top:6pt; margin-bottom:0.0001pt;">Total cash including restricted cash of $237.0 million at January 31, 2026</li></ul> <p align="justify"><strong>President and CEO Doug Campbell commentary:</strong> </p> <p align="justify">"Our third quarter results reflect the impact of our ongoing capital structure transition on origination volumes. The sales volume decline this quarter is a direct result of the moderation of capital deployed on inventory purchases and not a reflection of demand. Sales for the quarter were further challenged by severe weather in the South-Central U.S., which affected our entire footprint and resulted in significant store closures in the last week of January, as well as the impact of operating with a 12% smaller store footprint year-over-year. Our top-of-funnel metrics remained strong throughout the quarter as the need for affordable, quality used vehicles among credit-challenged customers remains robust.</p> <p align="justify">"Just prior to the end of the second quarter, we closed a $300 million term loan, which eliminated our revolving line of credit and removed restrictive income statement covenants that had constrained our operational flexibility. In December, we completed the 2025-4 ABS transaction, introducing a residual cash flow structure that improves the economics of our securitization program over time. These were important milestones in our capital structure transformation. We are now focused on completing the final critical component by securing an additional financing source to sustain and supplement our operating cash flows, such as new asset-backed securitizations, warehouse facilities, and other potential sources of financing that would enable the company to execute on its current business plan. We are working diligently on this to restore our origination capacity whi

<span> <p align="justify">ROGERS, Ark., March 05, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced it will release fiscal 2026 third quarter financial results on Thursday, March 12, 2026, before the market opens. A webcast and conference call will be held that same day at 9:00 a.m. ET to review the Company’s results.</p> <p align="justify">Participants may access the conference call via webcast using this link: <a href="https://www.globenewswire.com/Tracker?data=hgmncXZea2pp5efawoUEu9jiL6scvk-DBU3b0E04IPE1gDHewDNK9qVTiCKX4o2X_DkarcKdM4mJiOuoh8Tyd_OJags9BYjOU32Mq8796Dn3kgmDF3zdI464gYNKQ6KF" rel="nofollow" target="_blank"><strong>Webcast Link Here</strong></a>. To participate via telephone, please register in advance using this <a href="https://www.globenewswire.com/Tracker?data=x2GaoW7HGLBA5Okn6gcBqGTQ4AHMSkAcZjQNx9InjS8DKjUktgwUrGKD-JFSb9ymv2x_DjXAFcxqMyWZPd_W6Xq6wFCdqoZAt6DWd_ONI2Z1vCYnZHAeHJWQaFzNXosO_mj-QTbJr4SSWkrQwFGJMb-at1EApvhqenLkc7N5kG4=" rel="nofollow" target="_blank"><strong>Registration Link</strong></a><strong>.</strong> Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time.</p> <p align="justify">A replay of the conference call and webcast will be available on-demand at the <a href="https://www.globenewswire.com/Tracker?data=CNdYja0Z5Q1N6EmFsKP8bATCl8CM79zx6bScFU2yjLss5-vRgBsk5umWoCsmwuYDK1tqgai7JtlJHZo88FDGfXTUAuG6HMnxKY0yphWtjkl-6iWcLglFoUhCWIP-9pTrUqvf7xa4jiFQosb-GZV6eg==" rel="nofollow" target="_blank"><strong>Car-Mart Investor Relations</strong></a> website for 12 months from March 12, 2026.</p> <p align="justify"><u>About America's Car-Mart</u></p> <p align="justify">America’s Car-Mart operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=CmXvfyvDtwzubJjM22q5_D-O8slIbGLy5RlWLJE4iQKAhrUmPG6mD99EiZLkKwdEM9N6omntPR6VQ4HpuAYJG6XGXFSEx99-YIe-4LMvxrM=" rel="nofollow" target="_blank">www.car-mart.com</a>.</p> <p align="justify">Contact:        <br />SM Berger & Company<br />Andrew Berger, Managing Director<br /><a href="https://www.globenewswire.com/Tracker?data=EUn3ELzVq0TG4Tkt9P6VLSU_CZ-VYxA9x9-dHbxLi7Vi3L3EKPgrA9Ma9o-imjLyNbUXRz6TodZsosKFs_4DBe_9fAvkuU9LY9daTiL3wf1K1CmlQVLU5D-0mLUt8IDKg0rp9YJZ3PTJVOnoi66_Gdf4uOGM_c659JhuGl7w4ZFrmcFY5NsYLtgCD4QyZWXB-lkq9mBIWrrOr_hXfEKnp4KzH9DqWkpBXKpEJwAfMEpoYmLNTVjZC__8IO-uZJiV8tyX7q16j7QEZCi240fMkA==" rel="nofollow" target="_blank">andrew@smberger.com</a><br />(216) 464-6400</p> <img alt="" class="__GNW8366DE3E__IMG" src="https://www.globenewswire.com/newsroom/ti?nf=OTY2Njg5NiM3NDY3NzMzIzIwMjY5MTc=" /> <br /><img alt="" src="https://ml.globenewswire.com/media/ZTE5YzQzOWEtNDVmNC00Y2I3LThhYWItNDIyMDllMjAzYmFhLTEwMzg1NTMtMjAyNi0wMy0wNS1lbg==/tiny/America-s-Car-Mart-Inc-.png" referrerpolicy="no-referrer-when-downgrade" /><p><a href="https://www.globenewswire.com/NewsRoom/AttachmentNg/bd56b2d4-7281-4f7b-821f-f8217e5a6962"><img src="https://ml.globenewswire.com/media/bd56b2d4-7281-4f7b-821f-f8217e5a6962/small/acm-logo-jpg.jpg" border="0" width="150" height="104" alt="Primary Logo" /></a></p> Source: America's Car-Mart, Inc.</span>

<span>Consolidates 13 additional locations to continue modernizing the business, better utilize inventory and teams, and strengthen performance at remaining locations.<p align="left">ROGERS, Ark., Jan. 13, 2026 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”) today announced the completion of Phase 2 of its previously announced SG&A Cost Control Strategy through footprint optimization, which includes the consolidation of 13 locations into higher-performing nearby dealerships. This realignment follows five store consolidations that were completed in November 2025 as part of Phase 1, for a total of 18 locations across both phases.  </p> <p>“Our footprint optimization strategy reflects our commitment to operational excellence and disciplined capital allocation,” said Doug Campbell, President and Chief Executive Officer. “By concentrating resources in our highest-performing markets, we are positioning Car-Mart to deliver improved returns while maintaining the exceptional customer experience that defines our brand. The flexibility provided by our new capital structure enables us to make these strategic decisions with confidence.”</p> <p>Customers previously served by consolidated locations will continue to receive service at nearby dealerships, ensuring uninterrupted access to sales, service, and collections related activities. These actions are part of the Company’s ongoing efforts to evolve its operating model to better serve customers and communities over the long term.</p> <p>“These decisions are never easy, and we approach them with deep respect for our associates, our customers, and the communities we serve,” continued Campbell. “By realigning our footprint, we can operate more efficiently while continuing to provide the high level of service our customers expect. These actions allow us to continue modernizing our business, better utilize our inventory and teams, and strengthen performance at our remaining locations. We believe this approach positions Car-Mart to remain a strong, dependable presence in the communities we serve for years to come.”</p> <p><strong>Consolidated Locations</strong></p> <table style="border-collapse: collapse; width:100%; border-collapse:collapse ;"><tr><td style="border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: top ; "><strong>Phase</strong></td><td style="border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; "><strong>Consolidated Location</strong></td><td style="border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; "><strong>Customers Now Served By</strong></td></tr><tr><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: top ; ">Phase 1</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Decatur, AL</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Athens, AL</td></tr><tr><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: top ; ">Phase 1</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Henderson, KY</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Evansville, IN</td></tr><tr><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: top ; ">Phase 1</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Miami, OK</td><td style="border-right: solid black 1pt ; border-bottom: solid black 1pt ; vertical-align: top ; ">Grove, OK</td></tr><tr><td style="border-right: solid black

<span>New Residual Structure Improves Capital Efficiency<p align="justify">ROGERS, Ark., Dec. 18, 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 $161.3 million in principal amount of asset-backed notes with a weighted average coupon of 7.02%.</p> <p align="justify">The 2025-4 transaction marks another significant milestone for Car-Mart, as it introduces a more efficient deal structure that generates increased cash flow for the business compared to previous securitizations. Additionally, by incorporating a residual cash flow structure that delivers funds to the Company on a monthly basis, this transaction is projected to reduce Car-Mart’s long-term cost of capital by minimizing the need for frequent future transactions and the associated fees.</p> <p align="justify">“Multi-year strategies to improve our capital structure and operating platform are essential to repositioning Car-Mart for long-term success,” said Douglas Campbell, Chief Executive Officer of America’s Car-Mart. “Since entering the ABS market in 2022, we’ve made progress improving spreads and the weighted average coupon within legacy deal structures. With the 2025-4 transaction, we are now improving the structure to retain more cash flow in our business and make our ABS program more efficient. This is an important milestone reflecting Car-Mart’s continued evolution as we align our operating improvements with a stronger, more flexible capital structure.”</p> <p align="justify">"Our transition to a residual cash flow structure is an important step forward in improving our securitization program. While the 7.02% weighted average coupon compares to 5.46% on our 2025-3 issuance, the difference primarily reflects our shift from an accelerated amortization structure to a residual cash flow structure that retains more value for Car-Mart over the life of the deal. We expect the long-term benefits to drive meaningful reductions in our cost of capital. The improvements we are making across our capital structure are providing Car-Mart with improved liquidity, better capital efficiency, and more stable funding capacity. We believe these efforts position the business for long-term success and value creation," said Jonathan Collins, Chief Financial Officer.</p> <p align="justify">ACM Auto Trust 2025-4 is an indirect subsidiary of the Company. The notes have not been and will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements. This news release does not and will not constitute an offer to sell or the solicitation of an offer to buy the notes. This news release is being issued pursuant to and in accordance with Rule 135c under the Securities Act.</p> <p><strong>About America’s Car-Mart, Inc.</strong></p> <p align="justify">America’s Car-Mart, Inc. (the “Company”) operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=Ow7pfzx-ck-znQqWX2ik72eJa045YQ-KQp3EDeCsCK0M1C6LxPguC9Y8XUxzTqcCOh0JtxTlkD-2gkn2f1yo8fgo_iF3MdrDIArOg0EYdiVjhENQE-on971s3PF9zZ7rRyg7XTi7ziipxOtU_MoyEtuiUl-MBiXcaIEQx0sqrZ8UsTaAI64T4jxjpEWwJvSKY4z4_-pAqcgSwYwKYt

<span> <p>ROGERS, Ark., Dec. 04, 2025 (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, 2025.</p> <table style="border-collapse: collapse; width:100%; border-collapse:collapse ;"><tr><td style="width:99.5541%;;border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; text-align: center ; vertical-align: middle; "><strong>Second Quarter Key Highlights (FY’26 Q2 vs. FY’25 Q2, unless otherwise noted)</strong></td></tr></table> <ul type="disc"><li style="margin-top:6pt;">Closed $300.0 million term loan and repaid revolving line of credit balance, enhancing capital structure and expanding flexibility to support originations and operations</li><li style="margin-top:6pt;">Total cash, including restricted cash, increased to $251.0 million from $124.5 million at the start of the fiscal year</li><li style="margin-top:6pt;">Interest expense decreased 13.1%, reflecting improvements to the securitization platform and a more favorable interest rate environment</li><li style="margin-top:6pt;">Credit applications were up 14.6%</li><li style="margin-top:6pt;">Accounts over 30 days past due improved 36 basis points year-over-year, and 62 basis points sequentially (from 3.76% prior quarter to 3.14% this quarter end)</li><li style="margin-top:6pt;">Total collections increased 4.6% to $181.7 million, outpacing growth in finance receivables of 2.8%</li><li style="margin-top:6pt;">Interest income increased $2.4 million, or 3.9%</li><li style="margin-top:6pt;">Total revenue was $350.2 million, up 0.8%</li><li style="margin-top:6pt;">Gross margin percentage decreased 190 basis points to 37.5, the prior year quarter included a 290 basis points benefit from a one-time service contract accounting change</li><li style="margin-top:6pt;">Allowance for credit loss increased to 24.19%, increased sequentially from 23.35%, and decreased from 24.72% at October 31, 2024</li><li style="margin-top:6pt;">Sales volumes decreased 1.1% to 13,637 units</li><li style="margin-top:6pt;">Net charge-offs as a % of average finance receivables were 7.0% vs. 6.6%</li><li style="margin-top:6pt;">Loss per share of $2.71; Adjusted loss per share¹ of $0.79<br /></li></ul> <p>________________________<br />_{¹Calculation of this non-GAAP financial measure and a reconciliation to the most directly comparable GAAP measure are included in the tables accompanying this release.}<br /></p> <p><strong>President and CEO Doug Campbell commentary:</strong> </p> <p align="justify">“Our second quarter financial results reflect the continued progress we are making to transform our business for the future, even as we navigate a fluid operating backdrop. We are proactively repositioning America’s Car-Mart by investing in our infrastructure, optimizing our platform, and improving our capital structure. These strategic actions are designed to deliver sustainable growth, enhance profitability at the unit level, and position the business for long-term success and value creation.</p> <p align="justify">“At the end of our second fiscal quarter, we successfully closed a new $300 million term loan and fully repaid the outstanding balance under our revolving line of credit. This was a significant step forward that provides us with greater flexibility and control over our balance sheet, while removing restrictive income statement covenants that previously limited our ability to make strategic decisions. With these constraints lifted, we are moving decisively to optimize our cost structure, improve profitability, and pursue additional actions to further strengthen our capital structure.</p> <p align="justify">“Completing the term loan transaction also allowed us to access the substantial amount of residual equity that sits within our asset-backed securitization (ABS) platform differe

<span> <p align="justify">ROGERS, Ark., Nov. 20, 2025 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced it will release fiscal 2026 second quarter financial results on Thursday, December 4, 2025, before the market opens. A webcast and conference call will be held that same day at 9:00 a.m. ET to review the Company’s results.</p> <p align="justify">Participants may access the conference call via webcast using this link: <a href="https://www.globenewswire.com/Tracker?data=5J5jcz5Ezkit5nEHIBMNrWSU73AKvnR1Uu5Wsiquxd6-pd0u80aWmp_-pddQX8cff3dG-ANmlWkO5RGJXneOTpYWklhy-n_VG3aleRwWBmsVxQMGOV22thAHpz7WgTcp" rel="nofollow" target="_blank"><strong>Webcast Link Here</strong></a>. To participate via telephone, please register in advance using this <a href="https://www.globenewswire.com/Tracker?data=IrblEelp1iwBI4r5RMBsaj8oYtvUlxGr9L2YsTlYcxAi10kkhN0-fCgH9fv0CQ53dRsedv8UhPrxFjtP8HIG_If28MqGz6JD7o9-UApv5g_jkFPtju7OKtXa9GQALX3ZcPVr1d9jY9GQEj2lBJ_k8d1tDz8fl8hu7HfGmNnVO7o=" rel="nofollow" target="_blank"><strong>Registration Link</strong></a><strong>.</strong> Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time.</p> <p align="justify">A replay of the conference call and webcast will be available on-demand at the <a href="https://www.globenewswire.com/Tracker?data=KvOurFp-SvUk08953AAnj-hm87Icn4FVFETqtw7sb9UkvKnIoBl_Fj2AjlJJoxYB9qj7T_32lILMPK0vX1zDPwjKR4Ru9ykZIusAfGuLfFA8Vq2M75jBKdfk4fRnU64H_wb1xfFFCi1jLCI1rGm-9w==" rel="nofollow" target="_blank"><strong>Car-Mart Investor Relations</strong></a> website for 12 months from December 4, 2025.</p> <p align="justify">About America's Car-Mart</p> <p align="justify">America’s Car-Mart operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=9ZxG2tZvOqRE4HUcjJkZ8PZi1l6QaTMN7fb5L_Hervf7CtNOgdq0ojYPkd7miKQS78nLfEnn1Z9MN5nyGSwsa4RKEI3JPCVtHQscOJoJmhA=" rel="nofollow" target="_blank">www.car-mart.com</a>.</p> <p align="justify">Contact:        <br />SM Berger & Company<br />Andrew Berger, Managing Director<br /><a href="https://www.globenewswire.com/Tracker?data=iJGql09B4HyEfhnUWikBZqXDPFX9rcWnzkeNSinb4_bmWcxV-zDlHttprp1_IV--X_tzpMJN-vyxGH6Ei3E4BnzrsCIIPAF0v4aIxP76xhgbCdmJYCYGrrCYx5pfLLGiLt9hi2fBZbAozRrVRNlXDU_YYj611qYWAyw9kQlMObXDDthcIagEkKA6lylFlRMIW3gU0L_jEB8BYmYInxIHw7KTB4qpgwItSKmDGwFHZ6KYMsOVj68ev-iSZFHQZotgx4daJrF-iXOrgRJoWldSNw==" rel="nofollow" target="_blank">andrew@smberger.com</a><br />(216) 464-6400</p> <img alt="" class="__GNW8366DE3E__IMG" src="https://www.globenewswire.com/newsroom/ti?nf=OTU3ODI3MSM3MjcwOTg0IzIwMjY5MTc=" /> <br /><img alt="" src="https://ml.globenewswire.com/media/Njg4YWJjY2EtM2RjMi00ZmFhLWJjZmUtYTFkYjg2YmM4YmRmLTEwMzg1NTMtMjAyNS0xMS0yMC1lbg==/tiny/America-s-Car-Mart-Inc-.png" referrerpolicy="no-referrer-when-downgrade" /><p><a href="https://www.globenewswire.com/NewsRoom/AttachmentNg/bd56b2d4-7281-4f7b-821f-f8217e5a6962"><img src="https://ml.globenewswire.com/media/bd56b2d4-7281-4f7b-821f-f8217e5a6962/small/acm-logo-jpg.jpg" border="0" width="150" height="104" alt="Primary Logo" /></a></p> Source: America's Car-Mart, Inc.</span>

<span> <p>ROGERS, Ark., Oct. 30, 2025 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) (“Car-Mart” or the “Company”) today announced the closing of a new five-year, $300 million funded term loan facility provided by funds managed by Silver Point Capital, L.P.</p> <p>In connection with this transaction, the Company fully repaid the outstanding balance under its asset-backed line of credit (ABL), simplifying its balance sheet and creating a more flexible and scalable capital structure to support long-term growth opportunities and general corporate purposes.</p> <p>The new term loan matures on October 30, 2030, and bears interest at SOFR plus 7.50% per annum. The loan is secured and subject to customary financial and operational covenants. In connection with the loan, the Company also issued Silver Point Capital warrants to purchase up to 10% of the Company’s fully diluted outstanding shares of common stock at current market price. The warrant expires on October 30, 2031, and includes customary registration rights for the underlying shares.</p> <p>“We are excited to complete this transaction at a time of uncertainty in the market, which we believe demonstrates the fundamental strength of our business and our ability to execute on our long-term capital strategy. By replacing our ABL facility with a new term loan, we have strengthened our financial profile and added new capital that will provide flexibility and agility for our originations and operations. This action aligns with our multi-year efforts to improve Car-Mart’s platform by reinforcing our core strengths, adapting to evolving market dynamics, and enhancing our balance sheet,” said Douglas Campbell, Chief Executive Officer of America’s Car-Mart.</p> <p>“With a more flexible, longer-term component of capital in place, we are well positioned to further optimize our capital structure. This includes broadening our funding sources and continuing to enhance our ABS program, where we have seen continued improvements in our weighted average spread across recent transactions,” said Jonathan Collins, Chief Financial Officer.</p> <p>“We are pleased to partner with America’s Car-Mart to deliver a customized financing solution that strengthens the company’s capital structure and supports its long-term objectives,” said Taylor Montague, Managing Director at Silver Point Capital. “We truly appreciate the extensive engagement by the management team over the last several months that enabled us to complete the thorough due diligence that underpins our conviction in the durability of the enterprise and the company’s market position.”</p> <p>Jefferies Finance LLC served as financial advisor and Mayer Brown served as legal counsel to Car-Mart on this transaction. Additional details regarding the term loan facility will be included in a Form 8-K to be filed no later than November 5, 2025, with the Securities and Exchange Commission.</p> <p><strong>About America’s Car-Mart, Inc.</strong></p> <p align="justify">America’s Car-Mart, Inc. (the “Company”) operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=t20TLVpK_Ceq4d0RPO2tQkyB0EV5IHk0_LBqIOQ0BQeJfrfoADaEfXXSBkzyJrgz59IgxIfnhguqw77r421ZDshu6bl27Q8zEEv9UHNQbKQlI-UqsP9SXJuZ-n8pnX66giWZmbOwQ26IDWSeq0DCBdt8BWleG6kuRgY5wPLgBsdP11K_J-VfSe0izDe1MRxoqPCWhpXdfhb8dvxlnHc_0V_Go-

<span> <p>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.</p> <table style="border-collapse: collapse; width:100%; border-collapse:collapse ;"><tbody><tr><td style="max-width:100%; width:100%; min-width:100%;;border-top: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; border-right: solid black 1pt ; vertical-align: middle; text-align: left; padding-left: 10.0px; "><strong>First Quarter Key Highlights (FY’26 Q1 vs. FY’25 Q1, unless otherwise noted)</strong> <ul><li>Total revenue was $341.3 million, down 1.9%</li><li>Sales volumes decreased 5.7% to 13,568 units</li><li>Interest income increased $4.6 million, or 7.5%</li><li>Total collections increased 6.2% to $183.6 million</li><li>Gross margin percentage increased 160 basis points to 36.6%</li><li>Allowance for credit loss improved to 23.35%, compared to 25.00% at July 31, 2024</li><li>Net charge-offs as a % of average finance receivables were 6.6% vs. 6.4%</li><li>Interest expense decreased 6.9%</li><li>Loss per share of $0.69 vs. loss per share of $0.15</li><li>Deployed and implemented LOS V2</li><li>Upgraded Pay Your Way platform</li></ul> </td></tr></tbody></table> <p><strong>President and CEO Doug Campbell commentary:</strong>&nbsp;</p> <p>Our strategic investments are delivering measurable results. From a consumer demand standpoint, application volume was up over 10%. We deployed and implemented LOS V2 in the beginning of the quarter, which has a more advanced underwriting scorecard, and the enablement of risk-based pricing embedded within the tool. This functionality is now live across our entire footprint, excluding our acquisitions. Additionally, we have started to see the rapid adoption of new functionality within Pay Your Way, our upgraded consumer-facing collections platform. Since the upgrade of Pay Your Way in late June 2025, we have driven a shift from customers paying in-store to paying online, which improves customer convenience and builds the foundation for more consistent payment behavior. Additionally, we have nearly doubled the number of customers enrolled in recurring payments, creating more predictable cash flows, and reducing collection costs.</p> <p>Within the current market environment, we are prudently managing sales to balance affordability, profit margins, and portfolio quality. During the quarter wholesale prices rose resulting in each unit of inventory consuming more of our borrowing capacity, which places some limits on how much inventory we can carry. We are actively working to improve these capacity constraints to better serve the customer demand we are experiencing.</p> <p>We are successfully executing on our focus to improve the quality of our portfolio. During the quarter credit applications from our customers that fall within on our top three customer credit rankings grew by 790 basis points, or 15% during the quarter when compared against fiscal year 2025 average. Nearly 72% of our portfolio is now operating under enhanced underwriting standards. With the recent launch of LOS V2, we continue to sharpen our underwriting capability and are very optimistic about the opportunity to sell more cars to better customers creating a stronger foundation for sustainable returns.</p> <table style="border-collapse: collapse; width:100%; border-collapse:collapse ;"><tbody><tr><td style="max-width:100%; width:100%; min-width:100%;;border-top: solid black 1pt ; border-right: solid black 1pt ; border-bottom: solid black 1pt ; border-left: solid black 1pt ; vertical-align: middle; text-align: left; padding-left: 10.0px; "><strong>First Quarter Fiscal Year 2026 Key Operating Metrics<br /><br /></strong></td></tr></tbody></table> <p><em>Dollars in thousands, except per share data. Dollar and percentage changes may not recalculate due to rounding. Charts may not

<span>Weighted average coupon improved 81 basis points from prior May 2025 securitization<p align="left">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 in principal amount of asset-backed notes with an overall weighted average coupon of 5.46%.</p> <p>ACM Auto Trust 2025-3 issued $133.34 million of Class A Notes and $38.62 million of Class B Notes. The Class A Notes have a coupon rate of 5.01% and the Class B Notes have a coupon rate of 6.08%.</p> <p>“I am pleased with the favorable outcome of our eighth ABS transaction, reflecting the continued strength of this developing platform. There is more that we can and will do to improve the platform as we move forward,” said Douglas Campbell, Chief Executive Officer of America’s Car-Mart.</p> <p>“Market interest for our securitizations remains high, with the Class A Notes almost 8 times oversubscribed, and the Class B Notes nearly 16 times oversubscribed. Strong demand combined with favorable operating performance within our portfolio have significantly improved the pricing of our Notes. In fact, this is the fourth consecutive improvement in the overall weighted average coupon, and we have reduced our weighted average spread by 308 basis points since our 2024-1 transaction, as we continue to lower our financing costs and strengthen our capital efficiency,” said Jonathan Collins, Chief Financial Officer.</p> <p>ACM Auto Trust 2025-3 is an indirect subsidiary of the Company. The notes have not been and will not be registered under the Securities Act of 1933, as amended (the “Securities Act”), and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements. This news release does not and will not constitute an offer to sell or the solicitation of an offer to buy the notes. This news release is being issued pursuant to and in accordance with Rule 135c under the Securities Act.</p> <p><strong>About America’s Car-Mart, Inc.</strong></p> <p align="justify">America’s Car-Mart, Inc. (the “Company”) operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=42OGs8Ce8GGCJo8dILErhDurKqFT43FHKCdrUsPOrBCfnfbhK4-CCT-ad_nLrx-9LCTruB6xp-ogFQ-xjqB7JHiCtUqKypsUj8m6LhwWoSvHKMMMyrlfBjs5DPWyGxsWH4F_RQjZpadpQAhb6VPyYdphLswikksmfDND942J4JxTfWOS3zTMbLUmrXVyHFSV70fPAoWBjokwMDGaQVe49EPKQVVl7i7ohFF88XNBHvo=" rel="nofollow" target="_blank">www.car-mart.com</a>.</p> <p><strong>Contact:</strong></p> <p>SM Berger & Company<br />Andrew Berger, Managing Director<br /><a href="https://www.globenewswire.com/Tracker?data=DsbMhZGKyycUDQX8bkkwozuW0fMUJP51neZMy7GBXYkIvOR3zK9AZrQwhnyrP3OIUGPDxS8k1tPtOGXpuB8AABaAMxj8Dz2lZjii2FullYq-adwBy01wlaZeIg0omC-MGxAFMWMXIpfuY5Jhc4HbBcpPLDC0cESmBVBfZG7b8_oeIz9MiyQTBJN6MOxesJxBXFb2-QPoBYQN0j25uTqf9y1QG0-6GqantZtgfmHGKS4fgBfHMh6fpdFjBHWICzewMgNwJAzRY-v45eKMcAcQZg==" rel="nofollow" target="_blank">andrew@smberger.com</a><br />(216) 464-6400</p> <img alt="" class="__GNW8366DE3E__IMG" src="https://www.globenewswire.com/newsroom/ti?nf=OTUyMDMwNSM3MTIxMDM2IzIwMjY5MTc=" /> <br /><img alt="" src="https://ml.globenewswire.com/media/NjA0N2E1MTctM2I1Ni00ZjY2LTlkZjktYjM3NmE5NjYzMzdiLTEwMzg1NTMtMjAyNS0wOC0y

<span> <p align="justify">ROGERS, Ark., Aug. 22, 2025 (GLOBE NEWSWIRE) -- America’s Car-Mart, Inc. (NASDAQ: CRMT) today announced it will release fiscal 2026 first quarter financial results on Thursday, September 4, 2025, before the market opens. A webcast and conference call will be held that same day at 9:00 a.m. ET to review the Company’s results.</p> <p align="justify">Participants may access the conference call via webcast using this link: <a href="https://www.globenewswire.com/Tracker?data=OZhmSM-EbWJPJRYcZM9VW2_NKEBYN06_iRAZKvWnHEObU86t9lYsybWs89YpoMIYwqQV-_3r4YNpgWyymvz2g7_cR__eggKuFtBD9obaesH_XxtOvL52fPBrfaHm8vwF" rel="nofollow" target="_blank"><strong>Webcast Link Here</strong></a>. To participate via telephone, please register in advance using this <a href="https://www.globenewswire.com/Tracker?data=bpVb8SCJndoVyjhcpiU9G5XD5-j3RtXbHNU_O2_o5ug_NL6ahyv8bhepqrXL9Q7NFQWmjBD0mUkH2MnTRMGcr2G00RW1rs0uHkVG9AA6ISBd213ZvkZv-kkG5Z5HaLnJ2I6VbCOOZbrER7u38mrovsl960UdV4YvNX6szvwhnPA=" rel="nofollow" target="_blank"><strong>Registration Link</strong></a><strong>.</strong> Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time.</p> <p align="justify">A replay of the conference call and webcast will be available on-demand at the <a href="https://www.globenewswire.com/Tracker?data=LzGAiu2hw4Le40eRcldPIYhFqAxZVJQpCA8AokMBAP2Zw8RyXlmIgAeO6fbLmyq-J2qCWR5xaUdv46CTFiJH8leQeiN_bnNYTdziydq8VAxAs_sq1g7sVziUWgrhtn33VVCRdKBiZTAxgfch2S0W0A==" rel="nofollow" target="_blank"><strong>Car-Mart Investor Relations</strong></a> website for 12 months from September 4, 2025.</p> <p align="justify">About America's Car-Mart</p> <p align="justify">America’s Car-Mart operates automotive dealerships in 12 states and is 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. The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in smaller cities throughout the South-Central United States, selling quality used vehicles and providing financing for substantially all of its customers. For more information about America’s Car-Mart, including investor presentations, please visit our website at <a href="https://www.globenewswire.com/Tracker?data=byC7aE1np4TvROUxAiGIoDCPHy9UBnfDEzUJ9caoiLLgdMLInOxvT6e9njNzsoR2dgEABIuuonIyboEy4-cODWMPywNbSAwYyavj8d5_2J0=" rel="nofollow" target="_blank">www.car-mart.com</a>.</p> <p align="justify">Contact:        <br />SM Berger & Company<br />Andrew Berger, Managing Director<br /><a href="https://www.globenewswire.com/Tracker?data=hMjbPpfPaoOEVYcKEE_vNxK334-g_tPtlUCC9DNpy1be8JLg8jw6xfFrYu9ME2jj39zOpbaYOFLGZEZSCE_MivnJ6p_lRnKEbQeWZ05OIQc=" rel="nofollow" target="_blank">andrew@smberger.com</a><br />(216) 464-6400</p> <img alt="" class="__GNW8366DE3E__IMG" src="https://www.globenewswire.com/newsroom/ti?nf=OTUxNjc5OCM3MTExNjk1IzIwMjY5MTc=" /> <br /><img alt="" src="https://ml.globenewswire.com/media/NTQzYjNmNTYtMTQ2MS00ODYzLTliNTItMGJlNjI1ZGZjNmViLTEwMzg1NTMtMjAyNS0wOC0yMi1lbg==/tiny/America-s-Car-Mart-Inc-.png" referrerpolicy="no-referrer-when-downgrade" /><p><a href="https://www.globenewswire.com/NewsRoom/AttachmentNg/bd56b2d4-7281-4f7b-821f-f8217e5a6962"><img src="https://ml.globenewswire.com/media/bd56b2d4-7281-4f7b-821f-f8217e5a6962/small/acm-logo-jpg.jpg" border="0" width="150" height="104" alt="Primary Logo" /></a></p> Source: America's Car-Mart, Inc.</span>