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~~ 12April 7, 2026

~~_______________________________~~AMERICA’S CAR-MART, INC.

America's Car-Mart Inc.

(Exact name of registrant as specified in its charter)

_______________________________

Texas	0-14939	63-0844612
(State or other jurisdiction of incorporation)	(Commission File Number)	(IRS Employer Identification No.)

Texas	0-14939	63-0851141
(State or Other Jurisdiction of Incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)

1805 North 2^nd Street, Suite 401

Rogers, Arkansas 72756

(Address of ~~Principal~~principal ~~Executive~~executive ~~Offices)~~offices, ~~(Zip~~including ~~Code~~zip code)

(479) 464-9944

(Registrant'’s telephone number, including area code)

(Former name or former address, if changed since last report)

_______________________________

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12) ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	CRMT	NASDAQ Global Select Market

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.~~02.~~05 ~~Results~~Costs ofAssociated ~~Operations~~with ~~and~~Exit ~~Financial~~or ~~Condition~~Disposal Activities.

On ~~March~~April 127, ~~2025~~2026, the Board of Directors of America’s Car-Mart, Inc. (the “Company”) ~~issued~~approved athe ~~press~~closure ~~release~~of ~~announcing~~42 ~~its~~of ~~operating results for~~ the ~~third~~Company’s ~~quarter~~136 ~~ended~~dealership ~~January~~locations ~~31, 2026. The press release contains certain financial, operating~~ and ~~other~~a ~~information~~reduction ~~for~~of ~~the period~~associated ~~ended~~support ~~January 31, 2026~~staff. ~~A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.~~

InThe ~~accordance~~Company’s ~~with~~capital ~~General~~structure ~~Instruction~~strategy ~~B.2.,~~has ~~the~~centered ~~information~~on ~~contained~~replacing an ininefficient ~~Item~~asset-based ~~2.02~~lending offacility ~~this~~with ~~Form~~a 8term loan, establishing a non-Krecourse revolving warehouse credit facility, ~~including~~and ~~Exhibit~~continuing to 99access the asset-backed securitization markets.1 ~~attached hereto,~~While isthe ~~being~~Company ~~furnished~~successfully executed a $300 million senior secured term loan in October 2025 and ~~shall~~completed ~~not~~its beninth ~~deemed~~securitization transaction through its ACM Auto Trust platform in December 2025, alignment among all parties necessary to beestablish ~~“filed”~~a ~~for~~warehouse ~~purposes~~facility ofhas ~~Section~~taken 18longer ofthan anticipated. In the ~~Securities~~weeks ~~Exchange~~following ~~Act~~the Company’s ofthird ~~1934,~~quarter asfiscal ~~amended~~year ~~(the~~2026 ~~“Exchange~~earnings ~~Act”)~~announcement, orit ~~otherwise~~became ~~subject~~increasingly apparent that the path to aligning the ~~liabilities~~necessary ofparties to ~~that~~secure ~~section,~~a ~~nor~~warehouse ~~shall~~facility itis beless ~~deemed incorporated~~certain byand ~~reference~~may inrequire ~~any~~an ~~filing~~extended ~~under~~timeline ~~the~~primarily ~~Securities~~due ~~Act~~to orbroader market conditions and factors largely outside the ~~Exchange~~Company’s ~~Act~~control. ~~The~~Therefore, the Company ~~undertakes~~is noundertaking ~~obligation~~these closures to ~~update~~align orthe Company’s cost structure ~~revise~~and ~~this~~ability ~~information~~to serve customer demand with its current capital constraints, while the Company continues to pursue the establishment of a warehouse facility.

In connection with the closure plan, the Company expects to incur impairment and exit-related charges. As described in Item 92.0106 of this Current Report on Form 8-K, the Company expects to record a non-cash impairment charge of approximately $14 million related to assets at the closing locations. ~~Financial~~The ~~Statements~~Company also expects to incur cash charges related to employee separation costs and ~~Exhibits~~lease exit costs, which the Company is unable to estimate at this time.

~~(d)~~Following ~~Exhibits~~the closures, which are expected to be completed by April 14, 2026, the Company will operate 94 dealership locations across 12 states. The Company will continue to monitor performance across its continuing store base and may further adjust capital allocation based on individual store results.

Exhibit Number		Description
99.1		Press Release dated March 12, 2026
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

Item 2.06 Material Impairments.

~~SIGNATURE~~On April 7, 2026, in connection with the closure plan described in Item 2.05 of this Current Report on Form 8-K, the Company's management concluded that a material charge for impairment of assets is required under generally accepted accounting principles. The impairment relates to right-of-use lease assets, leasehold improvements, and other fixed assets associated with the 42 dealership locations being closed under the closure plan.

~~Pursuant~~The Company estimates that it will record a non-cash impairment charge of approximately $14 million in connection with these asset impairments. The Company expects to record this charge in the ~~requirements~~fourth quarter of ~~the~~fiscal ~~Securities~~year ~~Exchange~~2026 ~~Act~~(quarter ofending ~~1934~~April 30, ~~the~~2026). ~~registrant~~The ~~has~~estimated ~~duly~~amount ~~caused this~~of ~~report~~the toimpairment becharge ~~signed~~is onpreliminary ~~its~~and ~~behalf~~subject byto ~~the~~change based ~~undersigned~~on ~~hereunto~~final ~~duly~~valuations ~~authorized~~and other factors.

	America's Car-Mart Inc.
Date: March 12, 2026	By:	/s/ Jonathan Collins
		Jonathan Collins
		Chief Financial Officer (Principal Financial Officer)

Additional information regarding the closure plan and the anticipated charges, including the impairment charge described above, is set forth in Item 2.05 of this Current Report on Form 8-K and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure.

A copy of a letter from Doug Campbell, President and Chief Executive Officer, dated April 7, 2026, relating to the information described in Item 2.05 is furnished as Exhibit 99.1 to this report and is incorporated herein by reference.

The information in this Current Report on Form 8-K furnished pursuant to Item 7.01, including Exhibit 99.1 attached hereto, shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that section, and such information shall not be deemed to be incorporated by reference into any of the Company’s filings with the Securities and Exchange Commission, except as shall be expressly set forth by specific reference in any such filing.

Forward-Looking Statements.

This Current Report on Form 8-K includes forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995, as amended, regarding, among other things, the Company’s closure plan activities and the timing thereof, associated employee impacts, expected amounts of impairment and closure plan charges, cash and non-cash charges, the pursuit of a non-recourse revolving warehouse credit facility, and certain other actions, events, results and expectations described herein. These forward-looking statements reflect management’s current views and are subject to risks and uncertainties that could cause actual results and the timing of events to differ materially from those expressed or implied. Factors which could cause actual results or events to differ include, but are not limited to, the Company’s ability to execute its closure plan, the Company’s ability to secure a warehouse facility or alternative funding on acceptable terms, general economic conditions, and the creditworthiness of the Company’s customers. These forward-looking statements are also subject to the risks and uncertainties contained in the Company’s most recently filed periodic reports on Form 10-K and Form 10-Q and in other filings with the Securities and Exchange Commission. The Company undertakes no obligation to publicly update any forward-looking statements contained in this Current Report on Form 8-K.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

Exhibit 99.1	Letter from Chief Executive Officer dated April 7, 2026

Exhibit 104	Cover Page Interactive Data File (formatted as inline XBRL)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

AMERICA’S CAR-MART, INC.

Dated:	April 7, 2026

By:	/s/ Jonathan Collins
	Jonathan Collins
	Chief Financial Officer

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