美国汽车行美股招股说明书(2026-03-16版)

AMERICA’S CAR-MART, INC. 937,487 Shares of Common Stock Underlying Warrants This prospectus supplement updates and supplements the prospectus, dated January 16, 2026 (the “Prospectus”), which formsa part of our registration statement on Form S-1 (No. 333-292641). This prospectus supplement is being filed to update andsupplement the information in the Prospectus with the information contained in our Quarterly Report on Form 10-Q for the quarter The Prospectus and this prospectus supplement relate to the resale from time to time by the selling stockholders named in the“Selling Stockholders” section of the Prospectus (the “Selling Stockholders”) of up to 937,487 shares of Common Stock, par value$0.01 per share, of America’s Car-Mart, Inc. issuable upon the exercise of the warrants (the “Warrant Shares”). The SellingStockholders may resell the Warrant Shares in the manner and on the terms described under “Plan of Distribution” in the Prospectus,including at fixed prices, market prices prevailing at the time of sale, at varying prices determined at the time of sale or at negotiated We will not receive any proceeds from the sale or other disposition of the Warrant Shares by the Selling Stockholders. See thesections of the Prospectus titled “Use of Proceeds” and “Plan of Distribution” for additional information. This prospectus supplement updates and supplements the information in the Prospectus and is not complete without, and maynot be delivered or utilized except in combination with, the Prospectus. This prospectus supplement is qualified by reference to the Our Common Stock is listed on The Nasdaq Global Select Market (“Nasdaq”) under the symbol “CRMT.” On March 12,2026, the last reported sale price of our Common Stock was $15.24 per share. Investing in our Common Stock involves risks. You should review carefully the risks and uncertainties described in thesection titled “Risk Factors” beginning on page 5 of the Prospectus. Neither the Securities and Exchange Commission nor any state or other securities commission has approved ordisapproved of these securities or passed upon the adequacy or accuracy of the Prospectus or this prospectus supplement. Any The date of this prospectus supplement isMarch 16, 2026. UNITED STATESSECURITIES AND EXCHANGE COMMISSION FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the quarterly period ended January31, 2026 Or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period from ________ to ________ Commission file number: 0-14939 AMERICA’S CAR-MART, INC. Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the SecuritiesExchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submittedpursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to YesNo Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smallerreporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period forcomplying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. Indicate the number of shares outstanding of each of the issuer’s classes of common stock, as of the latest practicable date. Outstanding at March9, 20268,302,450 Title of Each ClassCommon Stock, par value $0.01 per share PART I.FINANCIAL INFORMATION 2026 and 2025 Notes to Consolidated Financial Statements (Unaudited) A–Organization and Business America’s Car-Mart, Inc., a Texas corporation (the “Company”), is one of the largest publicly held automotive retailers in theUnited States focused exclusively on the “Integrated Auto Sales and Finance” segment of the used car market. References to theCompany typically include the Company’s consolidated subsidiaries. The Company’s operations are principally conducted through itstwo operating subsidiaries, America’s Car Mart, Inc., an Arkansas corporation (“Car-Mart of Arkansas”), and Colonial Auto Finance,Inc., an Arkansas corporation (“Colonial”). The Company primarily sells older model used vehicles and provides financing for B–Summary of Significant Accounting Policies General The accompanying condensed consolidated balance sheet as of April30, 2025, which has been derived from audited financialstatements, and the unaudited interim condensed financial sta