<SEC-DOCUMENT>0001171843-16-008009.txt : 20160219
<SEC-HEADER>0001171843-16-008009.hdr.sgml : 20160219
<ACCEPTANCE-DATETIME>20160219150321
ACCESSION NUMBER:		0001171843-16-008009
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160218
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
ITEM INFORMATION:		Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers: Compensatory Arrangements of Certain Officers
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20160219
DATE AS OF CHANGE:		20160219

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMERICAS CARMART INC
		CENTRAL INDEX KEY:			0000799850
		STANDARD INDUSTRIAL CLASSIFICATION:	RETAIL-AUTO DEALERS & GASOLINE STATIONS [5500]
		IRS NUMBER:				630851141
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-14939
		FILM NUMBER:		161441560

	BUSINESS ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712
		BUSINESS PHONE:		(479) 464-9944

	MAIL ADDRESS:	
		STREET 1:		802 SOUTHEAST PLAZA AVE.
		STREET 2:		SUITE 200
		CITY:			BENTONVILLE
		STATE:			AR
		ZIP:			72712

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN GROUP INC /TX/
		DATE OF NAME CHANGE:	19971022

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CROWN CASINO CORP
		DATE OF NAME CHANGE:	19931104

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SKYLINK AMERICA INC
		DATE OF NAME CHANGE:	19920703
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>f8k_021816.htm
<DESCRIPTION>FORM 8-K
<TEXT>
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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>UNITED STATES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SECURITIES AND EXCHANGE COMMISSION</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Washington D.C. 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>FORM 8-K</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>CURRENT REPORT </B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported):<B>
February 18, 2016</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>AMERICA&rsquo;S CAR-MART, INC.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Exact name of registrant as specified in
its charter)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<tr>
    <TD STYLE="width: 33%; text-align: center"><b>Texas</b></td>
    <TD STYLE="width: 34%; text-align: center"><b>0-14939</b></td>
    <TD STYLE="width: 33%; text-align: center"><b>63-0851141</b></td></tr>
<tr>
    <TD STYLE="text-align: center"><font style="font-size: 10pt">(State or other jurisdiction of incorporation)</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 10pt">(Commission file number)</font></td>
    <TD STYLE="text-align: center"><font style="font-size: 10pt">(I.R.S. Employer Identification No.)</font></td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>802 SE Plaza Avenue, Suite 200, Bentonville,
Arkansas 72712</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center; text-indent: 0.5in">(Address of principal
executive offices, including zip code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>(479) 464-9944</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Registrant&rsquo;s telephone number, including
area code)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">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:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">[ ] Written communications pursuant to Rule 425 under the Securities
Act (17 CFR 230.425)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">[ ] Soliciting material pursuant to Rule 14a-12 under the Exchange
Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">[ ] Pre-commencement communications pursuant to Rule 14d-2(b)
under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">[ ] Pre-commencement communications pursuant
to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: -49.5pt"><B>Item 2.02.&#9;Results of
Operations and Financial Condition</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">On February 18, 2016, America&rsquo;s
Car-Mart, Inc. (the &ldquo;Company&rdquo;) issued a press release announcing its operating results for the third fiscal quarter
ended January 31, 2016. The press release contains certain financial, operating and other information for the period ended January
31, 2016. A copy of the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">In accordance with General Instruction
B.2., the information contained in Item 2.02 of this Form 8-K, including the exhibit hereto, is being furnished and shall not be
deemed to be &ldquo;filed&rdquo; for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the &ldquo;Exchange
Act&rdquo;), or otherwise subject to the liabilities of that section, nor shall it be deemed incorporated by reference in any filing
under the Securities Act of 1933, as amended, or the Exchange Act. The Company undertakes no obligation to update or revise this
information.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: -49.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify; text-indent: -49.5pt"><B>Item
2.03&#9;Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify; text-indent: -49.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">  On February 18, 2016, the Company exercised an option under its existing credit agreement to increase total revolving credit facilities by $27.5 million from $145 million to $172.5 million. The increase in the total revolving credit commitments is being made pursuant to an accordion feature of the Amended and Restated Loan and Security Agreement, dated as of March 9, 2012 and most recently amended on October 8, 2014, by and among the Company, its subsidiaries Colonial Auto Finance, Inc., America&rsquo;s Car Mart, Inc. and Texas Car-Mart, Inc, and a group of lenders, which allows the Company to increase the total revolver commitments by up to an additional $55 million (up to $200 million in total commitments), subject to lender approval and/or successful syndication. Terms of the credit facility remain as previously described in the Company&rsquo;s most recent periodic filing.</P>



<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify; text-indent: -49.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify; text-indent: -49.5pt"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify; text-indent: -49.5pt"><B>Item
5.02.&#9;Departure of Directors or Principal Officers; Election of Directors; Appointment of Principal Officers; Compensatory Arrangements
of Certain Officers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">On February 18, 2016, the Company
announced the appointment of Jeffrey A. Williams as its President, effective as of March 1, 2016. Mr. Williams will also continue
to serve as Chief Financial Officer under his existing employment agreement with the Company. Current President William H. Henderson
will continue in his position as Chief Executive Officer. In addition, effective as of March 1, 2016, Vickie Judy, the Vice President
of Accounting and Controller, will assume additional responsibilities as the new Principal Accounting Officer.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">Mr. Williams, age 53, has served
as Chief Financial Officer, Vice President Finance and Secretary of the Company since October 2005 and as a director since August
2011. Mr. Williams is a Certified Public Accountant and prior to joining the Company, his experience included approximately seven
years in public accounting with Arthur Andersen &amp; Co. and Coopers and Lybrand LLC in Tulsa, Oklahoma and Dallas, Texas. His
experience also includes approximately five years as Chief Financial Officer and Vice President of Operations of Wynco, LLC, a
nationwide distributor of animal health products.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">Ms. Judy, age 49, has served
as Vice President of Accounting and Controller since August 2015 and previously as Director of Financial Reporting since May 2010.
Ms. Judy is a Certified Public Accountant and prior to joining the Company her experience included approximately five years in
public accounting with Arthur Andersen &amp; Co. and approximately 17 years at National Home Centers, Inc., most recently as Vice
President of Financial Reporting.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: -49.5pt"><B>&nbsp;</B></P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: -49.5pt">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-indent: -49.5pt">Item 9.01.&#9;Financial
Statements and Exhibits</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">(d) Exhibits.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; text-align: justify">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">Exhibit 99.1&#9;Press
release announcing operating results for the third fiscal quarter ended January 31, 2016.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: bold 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SIGNATURES</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">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.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="width: 100%; font: 10pt Times New Roman, Times, Serif; border-collapse: collapse">
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>America&rsquo;s Car-Mart, Inc.</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD>
    <TD>&nbsp;</TD></TR>
<tr style="vertical-align: top">
    <TD STYLE="width: 30%">Date:&nbsp;&nbsp;February 19, 2016</td>
    <TD STYLE="width: 20%">&nbsp;</td>
    <TD STYLE="width: 40%; border-bottom: Black 1pt solid">/s/ Jeffrey A. Williams</td>
    <TD STYLE="width: 10%">&nbsp;</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <td colspan="2">Jeffrey A. Williams</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <td colspan="2">Chief Financial Officer and Secretary</td></tr>
<tr style="vertical-align: top">
    <TD>&nbsp;</td>
    <TD>&nbsp;</td>
    <td colspan="2">(Principal Financial Officer)</td></tr>
</table>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: right">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Exhibit Index</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 49.5pt; text-align: justify">Exhibit 99.1
&#9;Press release announcing operating results for the third fiscal quarter ended January 31, 2016.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 1.5in; text-align: justify; text-indent: -1in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>



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<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>exh_991.htm
<DESCRIPTION>EXHIBIT 99.1
<TEXT>
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN"><html lang="en-US"><head><title>EdgarFiling</title><meta content="text/html; charset=windows-1252"><meta name="GENERATOR" content="MSHTML 8.00.7601.18094"></head><body bgcolor="#ffffff"><p style="text-align: right;"><strong>EXHIBIT 99.1</strong></p><p style="text-align: center;"><strong>America's Car-Mart Reports Diluted Earnings Per Share of $.47 on Revenues of $137 Million</strong></p><p style="text-align: center;"><p> <p>BENTONVILLE, Ark., Feb.  18, 2016  (GLOBE NEWSWIRE) -- America&#8217;s Car-Mart, Inc. (NASDAQ:CRMT) today announced its operating results for the third quarter of fiscal 2016.<br></p>  <p align="justify"><strong><u>Highlights of third quarter operating results:</u></strong></p>  <ul type="disc"><li>Net earnings of $4.1 million &#8211; $.47 per diluted share vs. $.82 per diluted share for prior year quarter</li><li>Revenues of $137 million compared to $132 million for the prior year quarter</li><li>Retail unit sales decrease of 4.2% to 11,013 from 11,495 for the prior year quarter with decreased productivity at 25 retail units sold per store per month, down from 28 for the prior year quarter &#160;</li><li>Average retail sales price increased $835 to $10,599 or 8.6% from the prior year quarter (increased $352 or 3.4% sequentially)</li><li>Gross profit margin percentage decreased to 40.3% from 42.7% for the prior year quarter due primarily to higher wholesale volumes and losses, slightly higher repair costs, and the effect of a higher average selling price</li><li>Collections as a percentage of average finance receivables decreased to 12.9% from 13.8% for the prior year quarter as the weighted average contract term increased to 30.9 months</li><li>Net Charge-offs as a percent of average finance receivables of 6.6%, up from 6.5% for prior year quarter</li><li>Accounts over 30 days past due decreased to 5.0% from 5.2% at January 31, 2015</li><li>Average percentage of finance receivables current improved to 81.4% from 80.8% at January 31, 2015</li><li>Provision for credit losses of 26.9% of sales vs. 25.9% for prior year quarter &#160;</li><li>Selling, general and administrative expenses at 19.4% of sales vs. 18.2% for prior year quarter</li><li>Opened two new dealerships during the quarter - dealership count now at 147</li><li>Active accounts base approximately 66,000</li><li>Debt to equity of 53.5% and debt to finance receivables of 27.6% (up from 24.6% at April 30, 2015)</li><li>Allowance for credit losses at 25% of finance receivables, net of deferred revenue at January 31, 2016 (up from 23.8% &#160;at January 31, 2015)</li></ul>  <p align="justify"><strong><u>Highlights of nine month operating results:</u></strong></p>  <ul type="disc"><li>Net income of $8.2 million - $.93 per diluted share (earnings of $1.28 per diluted share excluding a $3 million non-cash after-tax charge resulting from an increase to the allowance for credit losses during the second quarter) &#160;vs. $2.45 per diluted share for prior year period</li><li>Revenues of $413 million compared to $393 million for the prior year period with same store revenue increase of 1.3%</li><li>Retail unit sales decrease of 2.6% to 34,138 from 35,061 for the prior year period with productivity at 26.4 retail units sold per store per month, down from 28.6 for the prior year period</li><li>Net Charge-offs as a percent of average finance receivables of 22.2%, up from 19.9% for prior year period</li><li>Provision for credit losses of 28.9% of sales (27.6% excluding second quarter increase to allowance for credit losses) vs. 25.6% for prior year period&#160;</li><li>Strong cash flows supporting the increase in revenues, the $25.9 million increase in finance receivables, $4.2 million in net capital expenditures, the $7.8 million increase in inventory and the $10.5 million in common stock repurchases (342,171 shares) with a $19.3 million increase in total revolving debt</li></ul>  <p align="justify">&#8220;We are very proud of our Company and our 35 year history of expanding our footprint to new communities. With our growth and the changes we have seen in the industry, it is time to make a few management structure changes that we believe will allow us to continue our success out into the future,&#8221; said William H. (&#8220;Hank&#8221;) Henderson, Chief Executive Officer of America&#8217;s Car-Mart, Inc. (the &#8220;Company&#8221;). &#160;&#8220;We have promoted Leon Walthall to the newly created position of Field Operations Officer where he will be leading our Regional Vice Presidents of Operations. Leon has been with the Company for over 27 years and has had tremendous success both as a General Manager and for the last six years as a Regional Vice President. Jeff Williams, our Chief Financial Officer for the last 10 years, will assume additional responsibilities as our President. We are very excited for Leon and Jeff and appreciate their hard-work and dedication to the Company.&#160; I am confident that expanding their scope of influence will be very beneficial and a move in the right direction to realizing the true potential of our Company.&#8221;&#160;</p>  <p align="justify">&#8220;We feel good about the quality of the vehicles we are selling and the credit profiles of our customers. However, we continue to struggle with our sales volumes as we haven&#8217;t yet seen relief from the operating environment.&#160; There is no doubt that competition is still very intense and January was particularly weak from a sales volume perspective. In addition to the high level of competition, we also attribute the volume challenges to us being more conservative with our underwriting and to a delay in income tax refunds this year compared to last,&#8221; added Mr. Henderson. &#8220;Even with the volume shortfall we were able to show good, solid growth at the top line for the quarter, something we are very proud of and something that we can build on as we move forward. We will continue to work hard on the expense side of the business as we move to improve productivity. We will adjust accordingly and as always continue to try to find just the right balance between risk and volume.&#8221;&#160;</p>  <p align="justify">&#8220;As Hank mentioned, one of our biggest challenges right now is finding our footing on the volume side and making sure our infrastructure costs are in alignment. Our cash on cash returns for the deals we are writing are solid, but we are struggling with attracting enough good, solid deals in this environment. While we still believe we will grow into our cost structure, which was created with the view of supporting much higher volumes, that was certainly not the case this quarter and we are making adjustments, including pushing for higher volumes,&#8221; said Jeff Williams, Chief Financial Officer for America&#8217;s Car-Mart, Inc. &#8220;It has been a very difficult market to read, and competitive forces are intense. We will continue to pursue our mission of striving to earn the repeat business of our customers by providing quality vehicles, affordable payment terms and excellent service. We believe more firmly than ever that supporting our customers with a face-to-face relationship is the best way to serve our market.&#8221; &#160;&#160;</p>  <p>  </p><p align="justify">&#8220;Our debt to equity ratio is 53.5% and our debt to receivables ratio is 27.6%, up from 24.6% at April 30, 2015. We re-purchased 252,513 shares for $6.5 million for an average cost of $25.73 per share during the quarter, and since February 10, 2010, we have repurchased 4 million shares, or 34% of our Company, for $131 million at an average cost of $32.76 per share.&#160; To support our growth and any potential future repurchases, today we exercised an option under our existing credit agreement to increase our revolving credit facilities by $27.5 million from $145 million to $172.5 million,&#8221; added Mr. Williams. &#8220;As always, we are focused on cash flows and growing value over the long-term. Since January 31, 2015, we have repurchased almost $17 million in common stock, incurred $6 million in capital expenditures, grown finance receivables by $18 million and inventory by $4 million, which will decrease back down during the fourth quarter, with only a $10 million increase in debt.&#8221;</p>  <p align="justify"><u>Conference Call</u></p>  <p align="justify">Management will be holding a conference call on Friday, February 19, 2016 at 11:00 a.m. Eastern Time to discuss third quarter results.&#160; A live audio of the conference call will be accessible to the public by calling (877) 776-4031.&#160; International callers dial (631) 291-4132.&#160; Callers should dial in approximately 10 minutes before the call begins.&#160; A conference call replay will be available two hours following the call for thirty days and can be accessed by calling (855) 859-2056 (domestic) or (404) 537-3406 (international), conference call ID #45157738.</p>  <p align="justify"><u>About America's Car-Mart</u></p>  <p align="justify">America&#8217;s Car-Mart, Inc. (the &#8220;Company&#8221;) operates 147 automotive dealerships in eleven states and is one of the largest publicly held automotive retailers in the United States focused exclusively on the &#8220;Integrated Auto Sales and Finance&#8221; segment of the used car market.&#160; The Company emphasizes superior customer service and the building of strong personal relationships with its customers. The Company operates its dealerships primarily in small cities throughout the South-Central United States selling quality used vehicles and providing financing for substantially all of its customers.&#160; For more information, including investor presentations, on America&#8217;s Car-Mart, please visit our website at www.car-mart.com.</p>  <p align="justify">This press release contains &#8220;forward-looking statements&#8221; within the meaning of the Private Securities Litigation Reform Act of 1995.&#160; These forward-looking statements address the Company&#8217;s future objectives, plans and goals, as well as the Company&#8217;s intent, beliefs and current expectations regarding future operating performance and can generally be identified by words such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;could, &#8220;believe,&#8221; &#8220;expect,&#8221; &#8220;anticipate,&#8221; &#8220;intend,&#8221; &#8220;plan,&#8221; &#8220;foresee,&#8221; and other similar words or phrases.&#160; Specific events addressed by these forward-looking statements include, but are not limited to:</p>  <ul type="disc"><li>new dealership openings;</li><li>performance of new dealerships;</li><li>same store revenue growth;</li><li>future overall revenue growth;</li><li>the Company&#8217;s collection results, including but not limited to collections during income tax refund periods;</li><li>repurchases of the Company&#8217;s common stock; and</li><li>the Company&#8217;s business and growth strategies.</li></ul>  <p>These forward-looking statements are based on the Company&#8217;s current estimates and assumptions and involve various risks and uncertainties.&#160; As a result, you are cautioned that these forward-looking statements are not guarantees of future performance, and that actual results could differ materially from those projected in these forward-looking statements.&#160; Factors that may cause actual results to differ materially from the Company&#8217;s projections include, but are not limited to:</p>  <ul type="disc"><li>the availability of credit facilities to support the Company&#8217;s business;</li><li>the Company&#8217;s ability to underwrite and collect its accounts effectively, including but not limited to collections during income tax refund periods;</li><li>competition;</li><li>dependence on existing management;</li><li>availability of quality vehicles at prices that will be affordable to customers;</li><li>changes in financing laws or regulations; and</li><li>general economic conditions in the markets in which the Company operates, including but not limited to fluctuations in gas prices, grocery prices and employment levels.</li></ul>  <p>Additionally, risks and uncertainties that may affect future results include those described from time to time in the Company&#8217;s SEC filings. 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td colspan="5" style="vertical-align: bottom ; ">Operating Statement:</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td colspan="4" style="vertical-align: bottom ; ">Revenues:</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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">&#160; 20</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="padding-left: 0 ; padding-right: 0 ; text-align: right ;  vertical-align: bottom; vertical-align: bottom ; ">&#160; 130.0</td><td style="padding-left: 0 ; text-align: left ;  vertical-align: bottom; vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160; -&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160; -&#160;</td><td style="vertical-align: bottom ; text-align: right ; 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">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td colspan="3" style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td><td style="vertical-align: bottom ; text-align: right ;  vertical-align: bottom; ">&#160;</td></tr><tr><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; ">&#160;</td><td style="vertical-align: bottom ; 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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
