Andersons Files 8-K: Material Agreement & New Financial Obligation

TL;DR

**Andersons just took on a new financial obligation, check the EX-10.1 for details.**

AI Summary

Andersons, Inc. filed an 8-K on March 25, 2026, reporting a material definitive agreement and the creation of a direct financial obligation as of March 20, 2026. This filing includes an amended and restated agreement, likely related to financing or a significant business arrangement, which is crucial for investors as it could impact the company's financial health and future operations. The details of this agreement, found in Exhibit 10.1, will determine the specific implications for shareholders.

Why It Matters

This filing signals a new significant financial commitment or agreement for Andersons, Inc., which could affect its balance sheet, cash flow, and overall financial stability. Investors need to understand the terms of this agreement to assess potential risks and opportunities.

Risk Assessment

Risk Level: medium — The filing indicates a new financial obligation without specifying its nature or size, which introduces uncertainty and potential risk until more details are known.

Analyst Insight

A smart investor would immediately review Exhibit 10.1 to understand the specific terms and implications of the new material definitive agreement and financial obligation, as this will directly impact Andersons, Inc.'s financial health and future prospects.

Key Players & Entities

• Andersons, Inc. (company) — the filer of the 8-K
• 0000821026 (company) — CIK of Andersons, Inc.
• March 25, 2026 (date) — filing date of the 8-K
• March 20, 2026 (date) — period of report for the material agreement

Forward-Looking Statements

• The details of the 'amended and restated agreement' in Exhibit 10.1 will reveal a significant change in Andersons, Inc.'s debt structure or a new strategic partnership. (Andersons, Inc.) — medium confidence, target: 2026-03-25

FAQ

Key Financial Figures

• $0.00 — nge on which registered: Common stock, $0.00 par value, $0.01 stated value ANDE The
• $0.01 — stered: Common stock, $0.00 par value, $0.01 stated value ANDE The NASDAQ Stock Mark
• $1.55 billion — y of the revolving credit facility from $1.55 billion to $1.30 billion and extends the revolv
• $1.30 billion — g credit facility from $1.55 billion to $1.30 billion and extends the revolving facility's ma
• $114.3 million — maturity date of the Company's existing $114.3 million term loan to March 20, 2031. In addit
• $170.1 million — n, the Amendment combines the Company's $170.1 million term loan under the Credit Agreement wi
• $86.3 million — oan under the Credit Agreement with its $86.3 million term loan dated April 3, 2023 with Farm
• $256.4 million — ative Agent, into a single consolidated $256.4 million loan, and extends the maturity date of

Filing Documents

• ande-20260320.htm (8-K) — 28KB
• theandersonsamendedandrest.htm (EX-10.1) — 1204KB
• ande-20260320_g1.jpg (GRAPHIC) — 118KB
• 0000821026-26-000048.txt ( ) — 1827KB
• ande-20260320.xsd (EX-101.SCH) — 2KB
• ande-20260320_def.xml (EX-101.DEF) — 4KB
• ande-20260320_lab.xml (EX-101.LAB) — 25KB
• ande-20260320_pre.xml (EX-101.PRE) — 14KB
• ande-20260320_htm.xml (XML) — 3KB

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement On March 20, 2026, The Andersons, Inc. (the "Company") completed an amendment (the "Amendment") to its Credit Agreement dated January 11, 2019, with U.S. Bank National Association, as Administrative Agent. The Amendment reduces the capacity of the revolving credit facility from $1.55 billion to $1.30 billion and extends the revolving facility's maturity date to March 20, 2031. The Amendment also extends the maturity date of the Company's existing $114.3 million term loan to March 20, 2031. In addition, the Amendment combines the Company's $170.1 million term loan under the Credit Agreement with its $86.3 million term loan dated April 3, 2023 with Farm Credit Mid-America, as Administrative Agent, into a single consolidated $256.4 million loan, and extends the maturity date of the combined loan to March 20, 2034. Borrowings under the Credit Agreement will continue to bear interest at variable rates based on the Secured Overnight Financing Rate ("SOFR") plus an applicable spread. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant The information contained in Item 1.01 is incorporated by reference herein.

01 Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits (d) Exhibits: Exhibit No. Description 10.1 Credit Agreement dated as of January 11, 2019 among The Andersons, Inc., the lenders, U.S. Bank National Association, as Administrative Agent (Amended as of March 20, 2026) 104 Inline XBRL for the cover page of this Current Report on Form 8-K

SIGNATURES

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. The Andersons, Inc. March 25, 2026 By: /s/ Brian A. Valentine Brian A. Valentine Executive Vice President and Chief Financial Officer

View Full Filing

View this 8-K filing on SEC EDGAR