RCM Technologies, Inc. (RCMT) ended the recent trading session at $18.94, demonstrating a +2.1% change from the preceding day's closing price. The stock outperformed the S&P 500, which registered a daily gain of 0.56%. Elsewhere, the Dow gained 0.26%, while the tech-heavy Nasdaq added 0.78%. The stock of company has fallen by 3.18% in the past month, leading the Business Services sector's loss of 7.49% and undershooting the S&P 500's loss of 1.27%.The upcoming earnings release of RCM Technologies, Inc. will ...

In the latest close session, RCM Technologies, Inc. (RCMT) was up +1.37% at $18.55. This move outpaced the S&P 500's daily gain of 0.1%. Elsewhere, the Dow saw an upswing of 0.07%, while the tech-heavy Nasdaq appreciated by 0.14%. The stock of company has fallen by 9.23% in the past month, lagging the Business Services sector's loss of 7.85% and the S&P 500's loss of 1.43%.Analysts and investors alike will be keeping a close eye on the performance of RCM Technologies, Inc. in its upcoming earnings disclosur ...

Company Performance - RCM Technologies, Inc. (RCMT) experienced a decline of 1.1% in its stock price, closing at $19.83, underperforming the S&P 500 which gained 1.97% on the same day [1] - Over the past month, RCM Technologies' shares have depreciated by 0.25%, outperforming the Business Services sector's loss of 7.91% and the S&P 500's loss of 1.49% [1] Upcoming Earnings - The company is expected to report earnings per share (EPS) of $0.58, reflecting an increase of 18.37% from the same quarter last year [2] - Revenue is projected to be $81.9 million, indicating a 6.49% increase compared to the same quarter of the previous year [2] Full Year Estimates - For the full year, analysts expect earnings of $2.32 per share and revenue of $314.83 million, representing changes of +14.29% and +13.09% respectively from the previous year [3] Analyst Forecasts - Recent revisions to analyst forecasts for RCM Technologies are important as they reflect near-term business trends, with positive changes indicating analyst optimism regarding the company's profitability [4] Valuation Metrics - RCM Technologies has a Forward P/E ratio of 7.86, which is lower than the industry average Forward P/E of 14.45, suggesting that the company is trading at a discount [7] - The Staffing Firms industry, part of the Business Services sector, currently holds a Zacks Industry Rank of 201, placing it in the bottom 18% of over 250 industries [7]

Company Performance - RCM Technologies, Inc. (RCMT) stock increased by 2.31% to $20.81, outperforming the S&P 500's daily loss of 0.43% [1] - Over the past month, the company's stock has decreased by 0.51%, which is better than the Business Services sector's loss of 4.49% but worse than the S&P 500's gain of 0.89% [1] Upcoming Earnings - Analysts expect RCM Technologies, Inc. to report earnings of $0.58 per share, reflecting a year-over-year growth of 18.37% [2] - The consensus estimate for revenue is $81.9 million, which represents a 6.49% increase from the same quarter last year [2] Full Year Projections - For the full year, earnings are projected at $2.32 per share, indicating a growth of 14.29%, while revenue is expected to remain flat at $314.83 million [3] Analyst Estimates - Recent changes in analyst estimates for RCM Technologies, Inc. are important as they indicate shifts in near-term business trends [4] - Positive estimate revisions are viewed as a sign of optimism regarding the company's business outlook [4] Valuation Metrics - RCM Technologies, Inc. has a Forward P/E ratio of 7.98, which is a discount compared to the industry average Forward P/E of 13.69 [7] - The Staffing Firms industry, part of the Business Services sector, has a Zacks Industry Rank of 226, placing it in the bottom 8% of over 250 industries [7] Zacks Rank System - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has shown that 1 stocks have generated an average annual return of +25% since 1988 [6] - Currently, RCM Technologies, Inc. holds a Zacks Rank of 3 (Hold), with the consensus EPS estimate remaining unchanged over the last 30 days [6]

Group 1 - RCM Technologies, Inc. (RCMT) closed at $20.59, with a +1.08% change from the previous day, outperforming the S&P 500's daily gain of 0.26% [1] - Over the past month, RCM Technologies' shares experienced a loss of 0.68%, which is better than the Business Services sector's loss of 2.23% but underperformed the S&P 500's gain of 1.57% [1] Group 2 - Analysts expect RCM Technologies to report earnings of $0.58 per share, reflecting a year-over-year growth of 18.37%, with a revenue estimate of $81.9 million, indicating a 6.49% increase from the same quarter last year [2] - For the entire fiscal year, earnings are projected at $2.32 per share and revenue at $314.83 million, representing changes of +14.29% and 0% respectively from the prior year [3] Group 3 - Recent modifications to analyst estimates for RCM Technologies are crucial as they reflect short-term business trends, with upward revisions indicating analysts' positive outlook on the company's operations [4] - The Zacks Rank system, which ranges from 1 (Strong Buy) to 5 (Strong Sell), has a strong track record, with 1 stocks averaging an annual return of +25% since 1988; RCM Technologies currently holds a Zacks Rank of 3 (Hold) [6] Group 4 - RCM Technologies is currently traded at a Forward P/E ratio of 7.99, which is a discount compared to its industry's Forward P/E of 13.93 [7] - The Staffing Firms industry, part of the Business Services sector, has a Zacks Industry Rank of 230, placing it in the bottom 7% of over 250 industries [7]

Core Viewpoint - Everyday People Financial Corp. has successfully acquired ACT Credit Management Limited, enhancing its UK revenue cycle management operations and aligning with its acquisition strategy [1][2]. Acquisition Details - The acquisition of ACT was completed on January 7, 2026, following FCA approval on December 16, 2025 [1][2]. - BPO Collections Limited acquired 100% of ACT's shares without assuming any existing debt, funded through existing cash flow [2]. - ACT is expected to contribute an annual EBITDA of approximately C$750 thousand to C$1.0 million and revenue in the range of C$6.0 million to C$9.0 million [2]. Company Background - Everyday People Financial Corp. is a technology-driven financial services provider established in 1988, operating in the UK and Canada with over 600 employees [13][15]. - The company focuses on helping individuals and businesses manage money better through its revenue cycle management and financial services [14][16]. Financial Transactions - The company entered into debt settlement agreements to settle $291,500 in unpaid directors' fees through the issuance of 435,075 common shares at a deemed price of $0.67 per share [4][5]. - The issuance of shares for services included 14,202 common shares at prices ranging from $0.68 to $0.73 per share for services rendered [7][18]. Share Incentive Plan - The company issued 37,500 restricted share units (RSUs) to an officer, which will vest one year from the grant date [10]. - The Omnibus Share Incentive Plan allows for the issuance of various share units and options, with a maximum of 10% of common shares reserved for issuance [11].

Core Points - The meeting is being conducted virtually for RCM Technologies, Inc. stockholders, with a focus on formal business as outlined in the company's notice and proxy statement [2][3] - Stockholders are encouraged to submit questions relevant to the business of the meeting, which will be addressed as time permits [2] Business Operations - The business portion of the meeting has officially commenced, with polls open for voting on various items until the conclusion of this segment [3] - Stockholders must have a valid 11-digit control number to participate in the voting process [3]

Group 1 - The company is undergoing significant changes in its Board structure, initiated by shareholder Arne Fredly, with a clear mandate to return to its foundational principles while adapting to a new environment [2][3] - The company emphasizes the importance of selecting the right CEO as a critical responsibility of the Board, highlighting the role of shareholders in supporting these changes [3] Group 2 - The company aims to reinforce its headquarters in Kongsberg, ensuring that it is not just a nominal designation but a reality [2]

Core Insights - Everyday People Financial Corp. reported a record revenue growth of 51% in its Revenue Cycle Management (RCM) segment and expanded its AnyDay Tip Payments Program [1][2] Financial Performance - Q3 revenue increased by 6% to $18.9 million compared to $17.8 million in Q3 2024, while nine-month revenues rose 21% year-over-year to $58.7 million from $48.3 million [1] - RCM segment revenue surged by 51% in Q3 to $18.8 million from $12.5 million in Q3 2024, with nine-month revenue increasing 40% year-over-year to $51.6 million from $36.9 million [2][3] RCM Segment Growth - The RCM operations experienced organic expansion and strategic acquisitions, contributing to double-digit growth in revenue and profitability [3] - The addition of ACT Credit Management positions the company to exceed $100 million in RCM revenue in 2026, targeting a 20% EBITDA margin [4] Financial Services Expansion - The execution of a Management Services Agreement with XTM Inc. allows Everyday People Payments to manage Canadian network-branded card and wallet programs, with expected processing of $750 million to $1 billion in tip and wage disbursements in 2026 [5][4] - The Everyday Health Spending Account (HSA) platform is expected to generate annual revenues of $5 to $7 million at launch, with high contribution margins [7] Operational Strategy - The company emphasizes disciplined cost controls and operational scalability to drive sustainable shareholder value [8] - The growth strategy focuses on expanding RCM leadership, scaling financial services, and delivering strong financial performance under a capital-light model [11] Key Financial Highlights - Adjusted EBITDA for Q3 2025 was $2.341 million, down from $3.085 million in Q3 2024, while nine-month adjusted EBITDA was $6.679 million compared to $8.569 million in the previous year [9] - The adjusted EBITDA for the RCM segment for Q3 2025 was $2.728 million, significantly up from $1.394 million in Q3 2024 [12]

Financial Data and Key Metrics Changes - Consolidated gross profit for Q3 2025 was $19.4 million, an increase of 8.8% compared to Q3 2024 [13] - Adjusted EBITDA for Q3 2025 was $5.5 million, slightly down by 1.4% from $5.6 million in Q3 2024 [13] - Adjusted EPS remained stable at $0.42 for both Q3 2025 and Q3 2024 [13] Business Line Data and Key Metrics Changes - In healthcare, gross profit for Q3 2025 was $9.0 million, up 8.5% from $8.3 million in Q3 2024, with school revenue growing 20.7% to $24.4 million [13][14] - Engineering gross profit for Q3 2025 reached $6.9 million, a 17.3% increase from $5.9 million in Q3 2024, marking the best engineering gross profit quarter in company history [15] - IT, life sciences, and data solutions group gross profit for Q3 2025 was $3.5 million, down 4.2% from $3.7 million in Q3 2024 [16] Market Data and Key Metrics Changes - The company reported a record engineering backlog for 2026, exceeding $70 million, compared to $21 million for 2025 at the same time last year [15] - Billable hours for the first four weeks of October 2025 increased by 18% compared to the same period in 2024, indicating strong momentum heading into Q4 [15] Company Strategy and Development Direction - The company is focusing on expanding its healthcare services and enhancing its brand awareness, which has led to increased traction and a stronger talent pool [2][3] - In life sciences, the company is capitalizing on industry shifts by partnering with AI-driven companies to streamline compliance and reduce turnaround times [5] - The engineering segment is emphasizing its integrated model and strategic partnerships to enhance procurement agility and mitigate resource bottlenecks [9] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about Q4 2025, expecting it to yield the highest quarterly gross profit and adjusted EBITDA of the fiscal year [17] - The company anticipates continued growth in the aerospace and defense sectors, with many programs still in their infancy [12] - Management acknowledged challenges with medical costs but indicated that measures are being taken to address these long-term [20][44] Other Important Information - The company experienced excess medical costs of approximately $1.8 million year-to-date, with Q3 particularly impacted [3] - SG&A expenses included $800,000 in medical claims over budget for Q3 alone [16] Q&A Session Summary Question: Impact of foreign candidates in the healthcare group - Management indicated that they have a pipeline of at least 300 nurses ready to come over if visa issues are resolved, with potential for 50-60 nurses in the near term [18][19] Question: Predictability of excess medical costs - Management suggested that the current level of excess medical costs is likely to continue into Q4, with long-term measures being implemented to reduce these costs [20] Question: Performance of the industrial process segment - Management noted that while the industrial process segment is stable, it requires a different trajectory for growth, with potential upside expected in 2026 [25][27] Question: Growth opportunities in energy services - Management confirmed that energy services are a significant growth area, focusing on tier-one utility clients and exploring new partnerships [30][32] Question: Capital allocation and share buyback program - Management discussed the balance between available debt and the share buyback program, emphasizing the undervaluation of their stock and the potential for future dividends [56][58]