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Table of Contents ( MARK ONE ) ☑ ☐ United States SECURITIES AND EXCHANGE COMMISSION WASHINGTON , D.C. 20549 Form 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM Commission File No. 0-22088 ΤΟ MONARCH CASINO & RESORT , INC . MONARCH CASINO & RESORT , INC . Nevada ( State or Other Jurisdiction of Incorporation or Organization ) 3800 S. Virginia Street Reno , Nevada ( Address of Principal Executive Offices ) ( Exact name of registrant as specified in its charter ) Registrant's telephone number , including area code : ( 775 ) 335-4600 88-0300760 ( I.R.S. Employer Identification No. ) 89502 ( ZIP Code ) SECURITIES REGISTERED PURSUANT TO SECTION 12 ( b ) OF THE ACT : Title of each class Common Stock , $ 0.01 par value per share Trading Symbols MCRI Name of each exchange on which registered The Nasdaq Stock Market LLC ( Nasdaq - GS ) SECURITIES REGISTERED PURSUANT TO SECTION 12 ( g ) OF THE ACT : None Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . YES □ NO Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . YES NO Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . YES NO □ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( $ 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . YES NO □ Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer " , " accelerated filer " , " smaller reporting company " and " emerging growth company " in Rule 12b - 2 of the Exchange Act : Large Accelerated Filer Non - Accelerated Filer Smaller Reporting Company Accelerated Filer Emerging Growth Company If an emerging growth company , indicate by checkmark 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 . ☑ Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . YES □ NO The aggregate market value of voting and non - voting common equity held by nonaffiliates as of June 30 , 2020 ( the last business day of the registrant's most completed second fiscal quarter ) , based on the closing price as reported on The Nasdaq Stock Market ( SM ) of $ 34.08 per share , was approximately $ 483.8 million . As of March 6 , 2021 , the registrant had 18,436,129 shares of common stock outstanding . DOCUMENTS INCORPORATED BY REFERENCE Portions of the Proxy Statement for Registrant's 2021 Annual Meeting of Stockholders , which Proxy Statement shall be filed with the Commission not later than 120 days after the end of the fiscal year covered by this report , are incorporated by reference into Part III of this Annual Report on Form 10 - K .