Cumberland Pharmaceuticals Enters Material Definitive Agreement

TL;DR

CPRX inked a big deal, new financial obligations incoming.

AI Summary

On November 18, 2025, Cumberland Pharmaceuticals Inc. entered into a material definitive agreement, creating a direct financial obligation. The specific details of this agreement and the resulting obligation are not fully disclosed in this filing, but it represents a significant financial commitment for the company.

Why It Matters

This filing indicates Cumberland Pharmaceuticals Inc. has entered into a new, significant financial agreement, which could impact its future financial obligations and operations.

Risk Assessment

Risk Level: medium — Entering into material definitive agreements and creating financial obligations can introduce financial risks and impact the company's balance sheet.

Key Players & Entities

• CUMBERLAND PHARMACEUTICALS INC. (company) — Registrant
• November 18, 2025 (date) — Date of Report
• November 21, 2025 (date) — Date as of Change
• November 24, 2025 (date) — Filing Date
• 615-255-0068 (phone_number) — Business Phone

FAQ

Key Financial Figures

• $15 million — ncipal available for borrowing of up to $15 million. The Company has the right to request a
• $10 million — uest an increase of up to an additional $10 million. The aggregate principal funding amount
• $25 million — nding amount remains unchanged of up to $25 million. Cumberland is subject to a financial

Filing Documents

• cpix-20251118.htm (8-K) — 28KB
• cumberlandpharm-1stamdtoar.htm (EX-10.1) — 30KB
• 0001087294-25-000023.txt ( ) — 177KB
• cpix-20251118.xsd (EX-101.SCH) — 2KB
• cpix-20251118_lab.xml (EX-101.LAB) — 21KB
• cpix-20251118_pre.xml (EX-101.PRE) — 12KB
• cpix-20251118_htm.xml (XML) — 3KB

01 Entry into a Material Definitive Agreement

Item 1.01 Entry into a Material Definitive Agreement. On November 18, 2025, Cumberland Pharmaceuticals Inc. (the "Company" or "Cumberland") and Pinnacle Bank ("Pinnacle") fully executed the First Amendment to Amended and Restated Revolving Credit Note and Second Amendment to Amended and Restated Revolving Credit Loan Agreement (the "Amendment"). The original Pinnacle agreement was dated September 5, 2023. The Amendment provides for a principal available for borrowing of up to $15 million. The Company has the right to request an increase of up to an additional $10 million. The aggregate principal funding amount remains unchanged of up to $25 million. Cumberland is subject to a financial covenant, maintenance of a Minimum Fixed Charge Coverage Ratio determined on a quarterly basis, along with Borrowing Base Requirements, as defined. The interest rate on funds borrowed is based on Benchmark Term SOFR plus 2.75%. Borrowings under the line of credit are collateralized by substantially all of the Company's assets. The Amendment extends the maturity date to October 1, 2027. Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in Item 1.01 of this Current Report on Form 8-K that relates to the creation of a direct financial obligation of the Company is incorporated by reference herein.

01 Financial Statements and Exhibits

Item 9.01 Financial Statements and Exhibits (d) Exhibits Exhibit No. Description 10.1 First Amendment to Amended and Restated Revolving Credit Note and Second Amendment to Amended and Restated Revolving Credit Loan Agreement, dated as of November 12, 2025, by and between Cumberland Pharmaceuticals Inc. and Pinnacle Bank 104 Cover Page Interactive Data File (the cover page XBRL tags are embedded within the inline XBRL document)

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. Cumberland Pharmaceuticals Inc. Dated: November 21, 2025 By: /s/ John Hamm John Hamm Chief Financial Officer

View Full Filing

View this 8-K filing on SEC EDGAR