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    SEC Form 10-Q filed by Art's-Way Manufacturing Co. Inc.

    4/13/26 4:19:09 PM ET
    $ARTW
    Industrial Machinery/Components
    Industrials
    Get the next $ARTW alert in real time by email
    artw20260228_10q.htm
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    Table of Contents

    UNITED STATES

    SECURITIES AND EXCHANGE COMMISSION

    WASHINGTON, D.C. 20549

     

    FORM 10-Q

     

    (Mark One)

     

    ☒

    Quarterly report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

    For the quarterly period ended February 28, 2026

     

    or

     

    ☐

    Transition report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

    For the transition period from ______ to ______

     

    Commission File No. 000-05131

     

    ART’S-WAY MANUFACTURING CO., INC.

    (Exact name of registrant as specified in its charter)

     

    Delaware

    42-0920725

    (State or other jurisdiction of incorporation or organization)

    (I.R.S. Employer Identification No.)

     

    5556 Highway 9

    Armstrong, Iowa 50514

    (Address of principal executive offices) (Zip Code)

     

    (712) 208-8467

    (Registrant’s telephone number, including area code)

     

    Securities registered pursuant to Section 12(b) of the Act:

    Title of each class

    Trading Symbol(s)

    Name of each exchange on which registered

    Common stock $0.01 par value

    ARTW

    The Nasdaq Stock Market LLC

     

    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 ☒

    Accelerated filer ☐ 

    Smaller reporting company ☒

    Emerging growth company ☐

     

    If an emerging growth company, indicate by check mark 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 is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ☒

     

    Number of common shares outstanding as of April 1, 2026: 5,181,386

     

     

    Table of Contents

     

     

    Art’s-Way Manufacturing Co., Inc.

    Index

    Page No.

     

    PART I – FINANCIAL INFORMATION

    1

    Item 1.

    Financial Statements

    1

     

    Condensed Consolidated Balance Sheets as of February 28, 2026 and November 30, 2025

    1

     

    Condensed Consolidated Statements of Operations for the Three-Month Periods ended February 28, 2026 and February 28, 2025

    2

     

    Condensed Consolidated Statements of Stockholders’ Equity for the Three-Month Periods ended February 28, 2026 and February 28, 2025

    3

     

    Condensed Consolidated Statements of Cash Flows for the Three-Month Periods ended February 28, 2026 and February 28, 2025

    4

     

    Notes to Unaudited Condensed Consolidated Financial Statements

    5

    Item 2.

    Management’s Discussion and Analysis of Financial Condition and Results of Operations

    15

    Item 3.

    Quantitative and Qualitative Disclosures About Market Risk

    17

    Item 4.

    Controls and Procedures

    17

    PART II – OTHER INFORMATION

    18

    Item 1.

    Legal Proceedings

    18

    Item 1A.

    Risk Factors

    18

    Item 2.

    Unregistered Sales of Equity Securities and Use of Proceeds

    18

    Item 3.

    Defaults Upon Senior Securities

    18

    Item 4.

    Mine Safety Disclosures

    18

    Item 5.

    Other Information

    18

    Item 6.

    Exhibits

    19

     

    SIGNATURES

    20

     

     

    Table of Contents

     

     

    PART I – FINANCIAL INFORMATION

     

    Item 1. Financial Statements

     

    ART’S-WAY MANUFACTURING CO., INC.

    Condensed Consolidated Balance Sheets

     

      

    (Unaudited)

         
      

    February 28, 2026

      

    November 30, 2025

     

    Assets

            

    Current assets:

            

    Cash

     $2,937  $4,849 

    Receivables, net

      3,434,127   2,201,879 

    Inventories, net

      12,069,850   11,708,242 

    Cost and profit in excess of billings

      572,840   379,547 

    Other current assets

      873,947   487,020 

    Total current assets

      16,953,701   14,781,537 
             

    Property, plant, and equipment, net

      5,099,359   5,082,406 

    Assets held for lease, net

      141,950   144,618 

    Deferred income taxes, net

      2,003,222   2,060,934 

    Other assets

      365,600   408,060 

    Total assets

     $24,563,832  $22,477,555 

    Liabilities and Stockholders’ Equity

            

    Current liabilities:

            

    Accounts payable

     $1,679,006  $902,326 

    Customer deposits

      830,578   88,920 

    Billings in excess of cost and profit

      879,293   430,712 

    Income taxes payable

      15,000   15,000 

    Accrued expenses

      963,443   1,327,569 

    Line of credit

      3,431,937   3,252,437 

    Current portion of finance lease liabilities

      255,143   255,748 

    Insurance premium finance liability

      167,108   - 

    Current portion of long-term debt

      167,811   165,326 

    Total current liabilities

      8,389,319   6,438,038 
             

    Long-term portion of finance lease liabilities

      345,785   408,154 

    Long-term debt, excluding current portion

      2,283,081   2,325,103 

    Total liabilities

      11,018,185   9,171,295 

    Commitments and Contingencies (Notes 8, 10, 11 and 14)

              

    Stockholders’ equity:

            

    Undesignated preferred stock - $0.01 par value. Authorized 500,000 shares on February 28, 2026 and November 30, 2025; issued and outstanding 0 shares on February 28, 2026 and November 30, 2025.

      -   - 

    Common stock – $0.01 par value. Authorized 9,500,000 shares on February 28, 2026 and November 30, 2025; 5,295,673 issued on February 28, 2026 and 5,225,423 on November 30, 2025

      52,957   52,254 

    Additional paid-in capital

      5,241,409   5,199,167 

    Retained earnings

      8,559,969   8,363,527 

    Treasury stock, at cost (113,589 shares on February 28, 2026 and 113,589 shares on November 30, 2025)

      (308,688)  (308,688)

    Total stockholders’ equity

      13,545,647   13,306,260 

    Total liabilities and stockholders’ equity

     $24,563,832  $22,477,555 

     

    See accompanying notes to condensed consolidated financial statements.

     

     

    1

    Table of Contents
     

     

    ART’S-WAY MANUFACTURING CO., INC.

    Condensed Consolidated Statements of Operations

    (Unaudited)

     

       

    Three Months Ended

     
       

    February 28, 2026

       

    February 28, 2025

     

    Sales

      $ 6,640,285     $ 5,140,955  

    Cost of goods sold

        4,728,825       3,644,446  

    Gross profit

        1,911,460       1,496,509  

    Expenses

                   

    Engineering

        106,548       85,230  

    Selling

        436,703       349,977  

    General and administrative

        1,038,192       1,058,817  

    Total expenses

        1,581,443       1,494,024  

    Income (loss) from operations

        330,017       2,485  
                     

    Other income (expense):

                   

    Interest expense

        (110,777 )     (75,688 )

    Other

        36,208       2,794  

    Total other income (expense)

        (74,569 )     (72,894 )

    Income (loss) before income taxes

        255,448       (70,409 )

    Income tax expense (benefit)

        59,006       (14,652 )

    Net income (loss)

      $ 196,442     $ (55,757 )
                     

     

    See accompanying notes to condensed consolidated financial statements.

     

    2

    Table of Contents
     

     

    ART’S-WAY MANUFACTURING CO., INC.

    Condensed Consolidated Statements of Stockholders' Equity

    Three Months Ended February 28, 2026 and February 28, 2025

    (Unaudited)

     

       

    Common Stock

       

    Additional

               

    Treasury Stock

             
       

    Number of

               

    paid-in

       

    Retained

       

    Number of

                     
       

    shares

       

    Par value

       

    capital

       

    earnings

       

    shares

       

    Amount

       

    Total

     
                                                             

    Balance, November 30, 2024

        5,149,173     $ 51,492     $ 5,020,849     $ 7,328,628       112,714     $ (307,146 )   $ 12,093,823  

    Stock based compensation

        51,000       510       43,709       -       875       (1,542 )     42,677  

    Net loss

        -       -       -       (55,757 )     -       -       (55,757 )

    Balance, February 28, 2025

        5,200,173     $ 52,002     $ 5,064,558     $ 7,272,871       113,589     $ (308,688 )   $ 12,080,743  

     

       

    Common Stock

       

    Additional

               

    Treasury Stock

             
       

    Number of

               

    paid-in

       

    Retained

       

    Number of

                     
       

    shares

       

    Par value

       

    capital

       

    earnings

       

    shares

       

    Amount

       

    Total

     
                                                             

    Balance, November 30, 2025

        5,225,423     $ 52,254     $ 5,199,167     $ 8,363,527       113,589     $ (308,688 )   $ 13,306,260  

    Stock based compensation

        70,250       703       42,242       -       -       -       42,945  

    Net income

        -       -       -       196,442       -       -       196,442  

    Balance, February 28, 2026

        5,295,673     $ 52,957     $ 5,241,409     $ 8,559,969       113,589     $ (308,688 )   $ 13,545,647  

     

    See accompanying notes to condensed consolidated financial statements.

     

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    ART’S-WAY MANUFACTURING CO., INC.

    Condensed Consolidated Statements of Cash Flows

    (Unaudited)

     

       

    Three Months Ended

     
       

    February 28, 2026

       

    February 28, 2025

     

    Cash flows from operations:

                   

    Net income (loss)

      $ 196,442     $ (55,757 )

    Adjustments to reconcile net income (loss) to net cash provided by operating activities:

                   

    Stock based compensation

        42,945       44,219  

    Decrease in obsolete inventory reserves

        (136,971 )     (2,142 )

    Gain on disposal of property, plant, and equipment

        (4,100 )     -  

    Depreciation and amortization expense

        204,591       208,072  

    Amortization of cloud computing implementation costs

        -       30,455  

    Increase (decrease) in allowance for expected credit losses - receivables

        (27,415 )     (2,399 )

    Deferred income taxes

        57,712       (15,090 )

    Changes in assets and liabilities:

                   

    (Increase) decrease in:

                   

    Receivables

        (1,204,833 )     967,864  

    Inventories

        (224,637 )     (551,027 )

    Cost and profit in excess of billings

        (193,293 )     (74,946 )

    Other assets

        (164,838 )     (241,923 )

    Increase (decrease) in:

                   

    Accounts payable

        776,680       768  

    Billings in excess of cost and profit

        448,581       (773,529 )

    Customer deposits

        741,658       811,067  

    Income taxes payable

        -       (500 )

    Accrued expenses

        (364,127 )     (446,937 )

    Net cash provided by (used in) operating activities

        148,395       (101,805 )

    Cash flows from investing activities:

                   

    Purchases of property, plant, and equipment

        (176,415 )     (82,730 )

    Net proceeds from sale of assets

        4,100       -  

    Net cash used in investing activities

        (172,315 )     (82,730 )

    Cash flows from financing activities:

                   

    Net change in line of credit

        179,500       271,000  

    Principal payments on finance lease obligations

        (62,974 )     (53,968 )

    Principal payments on financed insurance premiums

       

    (54,981

    )     -  

    Repayment of term debt

        (39,537 )     (28,682 )

    Repurchases of common stock

        -       (1,542 )

    Net cash provided by financing activities

        22,008       186,808  

    Net increase in cash

        (1,912 )     2,273  

    Cash at beginning of period

        4,849       1,860  

    Cash at end of period

      $ 2,937     $ 4,133  
                     

    Supplemental disclosures of cash flow information:

                   

    Cash paid during the period for:

                   

    Interest

      $ 110,282     $ 68,031  

    Income taxes

        1,295       -  
                     

    Supplemental disclosures of non-cash operating activities:

                   

    Financed insurance premium (other current assets)

      $ 222,090     $ -  
                     

    Amortization of operating lease ROU assets (included in other assets)

      $ -     $ 2,228  

     

    See accompanying notes to condensed consolidated financial statements.

     

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    Notes to Unaudited Condensed Consolidated Financial Statements

     

     

     

    1)

    Description of the Company

     

    Unless otherwise specified, as used in this Quarterly Report on Form 10-Q, the terms “we,” “us,” “our,” “Art’s-Way,” and the “Company” refer to Art’s-Way Manufacturing Co., Inc., a Delaware corporation headquartered in Armstrong, Iowa, and its wholly owned subsidiaries.

     

    The Company began operations as a farm equipment manufacturer in 1956. Since that time, it has become a national manufacturer of agricultural equipment. Its principal manufacturing plant is located in Armstrong, Iowa.

     

    The Company has organized its business into two operating segments. Management separately evaluates the financial results of each segment because each is a strategic business unit offering different products and requiring different technology and marketing strategies. The Agricultural Products segment manufactures and sells farm equipment and related replacement parts under the Art’s-Way Manufacturing label and private labels. The Modular Buildings segment manufactures and installs modular buildings for animal containment and various laboratory uses.

     
     

    2)

    Summary of Significant Accounting Policies

     

    Statement Presentation

     

    The foregoing condensed consolidated financial statements of the Company are unaudited and reflect all adjustments (consisting only of normal recurring adjustments) that are, in the opinion of management, necessary for a fair presentation of the Company’s financial position and operating results for the interim periods. The condensed consolidated financial statements should be read in conjunction with the condensed financial statements and notes thereto contained in the Company’s Annual Report on Form 10-K for the fiscal year ended November 30, 2025. The results of operations for the three months ended February 28, 2026 are not necessarily indicative of the results to be expected for the fiscal year ending November 30, 2026.

     

    Estimates

     

    The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities and the reported amounts of revenue and expenses during the three months ended February 28, 2026. Actual results could differ from those estimates.

     

    Allowance for Credit Losses

     

    The Company uses aging categories to estimate expected credit losses on trade receivables. The Company considers the following factors in its analysis: historical loss experience, forward-looking macroeconomic factors, company credit risk including previous delinquencies, disputed amounts, and the intent and ability to pay. The Company's typical credit terms are Net 30, however, it also offers terms up to 360 days on floor plan units. The Company considers trade receivables greater than 30 days past due, but is not required to disclose past due receivables with an original term less than one year. The Company performs additional analysis monthly on amounts over 90 days past due to determine collectability. The Company has assigned expected credit loss percentages based on where the asset falls in the aging schedule. The Company's actual credit losses have been low compared to historical allowance estimates. The Company has considered the current interest rate environment and the recent decline in the agricultural commodity market and believes its method of estimating a higher than historical loss percentage to be an adequate estimate of actual expected losses. 

     

    The Company carries contract assets related to its Modular Buildings segment in the form of costs and profit in excess of billings. These contract assets are typically converted to trade receivables in 30 to 90 days, depending on contract terms, and are due 30 days or fewer from the billing date. Because these contract assets are typically converted to receivables and collected in less than a year, consideration for these contract assets has been included in the expected credit loss model for trade receivables.

     

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    Recently Issued Accounting Pronouncements

     

    Accounting Pronouncements Not Yet Adopted

     

    In October 2023, the FASB issued ASU 2023-06, Disclosure Improvements (“ASU 2023-06”), to clarify or improve disclosure and presentation requirements of a variety of topics and align the requirements in the FASB ASC with the SEC’s regulations. The amendments in ASU 2023-06 will become effective on the date the related disclosures are removed from Regulation S-X or Regulation S-K by the SEC, and will no longer be effective if the SEC has not removed the applicable disclosure requirement by June 30, 2027. Early adoption is prohibited. We are currently evaluating the impact of ASU 2023-06 on the Company's consolidated financial statements and disclosures.

     

    In December 2023, the FASB issued ASU 2023-09, "Income Taxes (Topic 740): Improvements to Income Tax Disclosures". The standard requires disaggregated information about a reporting entity’s effective tax rate reconciliation as well as information on income taxes paid. The requirements will be effective for annual periods beginning after December 15, 2024. The guidance will be applied on a prospective basis with the option to apply the standard retrospectively. Early adoption is permitted. The Company is currently evaluating the potential effect that the updated standard will have on its financial statement disclosures.

     

     
     

    3)

    Disaggregation of Revenue

     

    The following table displays revenue by reportable segment from external customers, disaggregated by major source. The Company believes disaggregating by these categories depicts how the nature, amount, timing, and uncertainty of revenue and cash flows are affected by economic factors.

     

      

    Three Months Ended February 28, 2026

     
      

    Agricultural Products

      

    Modular Buildings

      

    Total

     

    Farm equipment

     $2,884,000  $-  $2,884,000 

    Farm equipment service parts

      790,000   -   790,000 

    Modular buildings

      -   2,881,000   2,881,000 

    Modular building lease income

      -   -   - 

    Other

      80,000   5,000   85,000 
      $3,754,000  $2,886,000  $6,640,000 

     

      

    Three Months Ended February 28, 2025

     
      

    Agricultural Products

      

    Modular Buildings

      

    Total

     

    Farm equipment

     $1,994,000  $-  $1,994,000 

    Farm equipment service parts

      883,000   -   883,000 

    Modular buildings

      -   2,119,000   2,119,000 

    Modular building lease income

      -   46,000   46,000 

    Other

      71,000   28,000   99,000 
      $2,948,000  $2,193,000  $5,141,000 

      

    The Company offered floorplan terms in its Agricultural Products segment during its Fall of 2024 and 2025 early order programs to incentivize customers to stock farm equipment on their lots for fiscal 2025 and fiscal 2026. Floorplan terms allow customers to pay the Company at the earliest of retail date or up to 360 days. This program can have an effect on the timing of the Company’s cash flows compared with historical cash flows.

     

    On February 28, 2026, the Company had approximately $705,000 in receivables on the floorplan program with a due date greater than 30 days compared to $195,000 on February 28, 2025.

      

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    4)

    Receivables

     

    Receivables are shown net of allowances for expected credit losses. Expected losses are recorded in administrative expense at the time of receivable recognition.

     

    The activity related to expected credit losses for the three months ended February 28, 2026 and three months ended February 28, 2025 was as follows:

     

      

    Three Months Ended

      

    Three Months Ended

     
      

    February 28, 2026

      

    February 28, 2025

     

    Balance, beginning

     $60,601  $108,636 

    Provision charged to expense

      (27,415)  (2,400)

    Less amounts charged-off

      -   - 

    Balance, ending

     $33,186  $106,236 

     

     
     

    5)

    Contract Receivables, Contract Assets and Contract Liabilities

     

    The following table provides information about contract receivables, contract assets, and contract liabilities from contracts with customers included on the Condensed Consolidated Balance Sheets.

     

      

    February 28, 2026

      

    November 30, 2025

     

    Receivables

     $3,434,000  $2,202,000 

    Assets (cost and profit in excess of billings)

      573,000   380,000 

    Liabilities (billings in excess of profit and customer deposits)

      1,710,000   520,000 

     

    The amount of revenue recognized in the first three months of fiscal 2026 that was included in a contract liability on  November 30, 2025 was approximately $403,000 compared to $197,000 in the same period of fiscal 2025. The beginning contract receivables, assets and liabilities on December 1, 2024 were approximately $2,373,000, $213,000 and $2,110,000, respectively.

     

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    6)

    Net Income (Loss) Per Share of Common Stock

     

    Basic net income (loss) per share of common stock has been computed on the basis of the weighted average number of common shares outstanding. Diluted net income (loss) per share has been computed on the basis of the weighted average number of common shares outstanding plus equivalent shares assuming exercise of stock options. Potential shares of common stock that have an anti-dilutive effect (i.e., those that increase income per share or decrease loss per share) are excluded from the calculation of diluted net income (loss) per share.

     

    Basic and diluted net income (loss) per share have been computed based on the following as of  February 28, 2026 and February 28, 2025:

     

      

    For the Three Months Ended

     
      

    February 28, 2026

      

    February 28, 2025

     

    Numerator for basic and diluted net income (loss) per share:

            
             

    Net income (loss)

     $196,442  $(55,757)
             

    Denominator:

            

    For basic net income (loss) per share - weighted average common shares outstanding

      5,140,165   5,054,665 

    Effect of dilutive stock options

      -   - 

    For diluted net income (loss) per share - weighted average common shares outstanding

      5,140,165   5,054,665 
             
             

    Net Income (loss) per share - Basic:

            

    Net income (loss) per share

     $0.04  $(0.01)
             

    Net Income (loss) per share - Diluted:

            

    Net income (loss) per share

     $0.04  $(0.01)

     

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    7)

    Inventory

     

    Major classes of inventory are:

     

      

    February 28, 2026

      

    November 30, 2025

     

    Raw materials

     $8,598,022  $8,272,500 

    Work in process

      280,462   387,332 

    Finished goods

      5,415,058   5,441,067 

    Total Gross Inventory

     $14,293,542  $14,100,899 

    Less: Reserves

      (2,223,692)  (2,392,657)

    Net Inventory

     $12,069,850  $11,708,242 
      
     
     

    8)

    Accrued Expenses

     

    Major components of accrued expenses are:

      

    February 28, 2026

      

    November 30, 2025

     

    Salaries, wages, and commissions

     $459,263  $729,429 

    Accrued warranty expense

      230,905   225,000 

    Other

      273,275   373,140 

    Total accrued expenses

     $963,443  $1,327,569 

     

     
     

    9)

    Assets Held for Lease

     

    Major components of assets held for lease are:

      

    February 28, 2026

      

    November 30, 2025

     

    Modular Buildings

     $80,605  $80,605 

    Agricultural Products equipment

      61,345   64,013 

    Total assets held for lease (net)

     $141,950  $144,618 

     

    There were approximately $2,000 of rents recognized from assets held for lease included in sales on the Condensed Consolidated Statements of Operations during the three months ended February 28, 2026, compared to $46,000 for the three months ending February 28, 2025, respectively. There were no future minimum lease receipts as of  February 28, 2026.

     

     
     

    10)

    Product Warranty

     

    The Company offers warranties of various lengths to its customers depending on the specific product and terms of the customer purchase agreement. The average length of the warranty period is one year from the date of purchase. The Company’s warranties require it to repair or replace defective products during the warranty period at no cost to the customer. Product warranty is included in the price of the product and provides assurance that the product will function in accordance with agreed-upon specifications. It does not represent a separate performance obligation under ASC 606. The Company records a liability for estimated costs that may be incurred under its warranties. The costs are estimated based on historical experience and any specific warranty issues that have been identified. Although historical warranty costs have been within expectations, there can be no assurance that future warranty costs will not exceed historical amounts. The Company periodically assesses the adequacy of its recorded warranty liability and adjusts the balance as necessary. The accrued warranty balance is included in accrued expenses as shown in Note 8 “Accrued Expenses.” Changes in the Company’s product warranty liability for the three months ended February 28, 2026 and  February 28, 2025 are as follows:

     

      

    Three Months Ended (Continuing Operations)

     
      

    February 28, 2026

      

    February 28, 2025

     

    Balance, beginning

     $225,000  $225,186 

    Provision charged to expense

      77,939   85,040 

    Less amounts charged-off

      (72,034)  (119,395)

    Balance, ending

     $230,905  $190,831 

     

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    11)

    Loan and Credit Agreements

     

    Bank Midwest Revolving Lines of Credit and Term Loans

     

    The Company maintains a $4,000,000 revolving line of credit (the "Line of Credit”) with Bank Midwest. On February 28, 2026, the balance of the Line of Credit was $3,431,937 with $568,063 remaining available. The Line of Credit is subject to a borrowing base, which is an amount equal to 75% of accounts receivable balances (discounted for aged receivables), plus 50% of net inventory, less any outstanding loan balance on the Line of Credit. On February 28, 2026, the Line of Credit was not limited by the borrowing base calculation. Any unpaid principal amount borrowed on the Line of Credit accrues interest at a floating rate per annum equal to the 1-month SOFR ("the index") rate plus 2.600 percentage points over the index that is published by the CME Group Benchmark Administration on its website each business day. The interest rate floor is set at 5.00% per annum and the interest rate on date of the loan on March 19, 2026 was 6.273% per annum. The Line of Credit was most recently renewed on March 19, 2026 with a maturity date of  March 30, 2027 and required monthly interest-only payments. The Line of Credit is governed by the terms of a Promissory Note, dated March 19, 2026, entered into between the Company and Bank Midwest.

     

    The Company carries a $2,600,000 term loan with Bank Midwest due October 1, 2037 (the “Term Loan”). The Term Loan accrues interest at a rate of 6.25%, which was most recently updated with a change of terms agreement on March 19, 2026. The interest rate may only be adjusted by Bank Midwest once every five years. Monthly payments of $19,648 in principal and interest are required on the Term Loan. The Term Loan is also guaranteed by the United States Department of Agriculture (“USDA”), which required an upfront guarantee fee of $62,400 and requires an annual fee of 0.5% of the unpaid balance. As part of the USDA guarantee requirements, shareholders owning more than 20% are required to personally guarantee a portion of the Term Loan, in an amount equal to their stock ownership percentage. McConnell Legacy Investments owning more than 20% of the Company’s outstanding stock, is guaranteeing approximately 38% of the Term Loan, for an annual fee of 2% of the personally guaranteed amount. The initial guarantee fee is being amortized over the life of the Term Loan, and the annual fees and personally guaranteed amounts are expensed monthly. The Term Loan is governed by the terms of a Promissory Note, dated September 28, 2017, entered into between the Company and Bank Midwest.

     

    The Company carries a term loan with Bank Midwest in the amount of $516,971 (the “Roof Loan”) to replace portions of the roof on its Armstrong facility since October 1, 2025. The Term Loan accrues interest at a rate of 6.25% with a payback period of 10 years with the latest interest rate update coming on March 19, 2026 in a change of terms agremeent. The interest rate will remain fixed until April 5, 2031 and will then be repriced to the 5-Year Treasury Index plus a margin of 3.25% . Monthly payments of $6,102 in principal and interest are required on the Term Loan beginning on November 5, 2025. 

     

    In connection with the Line of Credit, the Company and Art’s-Way Scientific, Inc. each entered into a Commercial Security Agreement with Bank Midwest, dated September 28, 2017, pursuant to which each granted to Bank Midwest a first priority security interest in certain inventory, equipment, accounts, chattel paper, instruments, letters of credit and other assets to secure the obligations of the Company under the line of credit. Art’s-Way Scientific, Inc. also agreed to guarantee the obligations of the Company pursuant to the Line of Credit, as set forth in a Commercial Guaranty, dated September 28, 2017. 

     

    The Term Loan and Roof Loan are secured by a mortgage on the Company’s Armstrong, Iowa and Monona, Iowa properties. Each mortgage is governed by the terms of a separate Mortgage, dated September 28, 2017, and each property is also subject to a separate Assignment of Rents, dated September 28, 2017.

     

    If the Company or its subsidiary (as guarantor pursuant to the Commercial Guaranty) commits an event of default with respect to the promissory notes and fails or is unable to cure that default, Bank Midwest may immediately terminate its obligation, if any, to make additional loans to the Company and may accelerate the Company’s obligations under the promissory note. Bank Midwest shall also have all other rights and remedies for default provided by the Uniform Commercial Code, as well as any other applicable law and the various loan agreements. In addition, in an event of default, Bank Midwest may foreclose on the mortgaged property.

     

    Compliance with Bank Midwest covenants is measured annually each  November 30. The terms of the Bank Midwest loan agreements require the Company to maintain a minimum of $4,000,000 of monthly working capital. The Company is also required to maintain a minimum debt service coverage ratio of 1.25, with a 0.10 tolerance. The Company also must receive bank approval for individual purchases or sales of equipment over $50,000 and maintain reasonable salaries and owner compensation. The Company was in compliance with all covenants of Bank Midwest loans as of November 30, 2025. The next measurement date is November 30, 2026 for all covenants except the monthly working capital requirement.

     

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    SBA Economic Injury Disaster Loans

     

    In June of 2020, the Company executed the standard loan documents required for securing loans offered by the U.S. Small Business Administration under its Economic Injury Disaster Loan (“EIDL”) assistance program in light of the impact of the COVID-19 pandemic on the Company’s business. One outstanding loan was executed on June 18, 2020 with a principal amount of $150,000, with a second loan being executed on June 24, 2020 with a principal amount of $150,000. Proceeds from these EIDLs were used for working capital purposes. Interest accrues at the rate of 3.75% per annum and will accrue from the date of inception. Installment payments, including principal and interest, were due monthly beginning December 18, 2022 and December 24, 2022 (thirty months from the date of the EIDLs) in the amount of $731 per EIDL. The balance of principal and interest is payable 30 years from the date of the EIDL. The EIDLs are secured by a security interest on all of the Company’s assets subordinate to Bank Midwest’s security interest. Both EIDLs are governed by the terms of a separate Promissory Note, dated  June 18, 2020 and  June 24, 2020, as applicable, entered into by the Company or the applicable subsidiary.

     

    A summary of the Company’s term debt is as follows:

     

      

    February 28, 2026

      

    November 30, 2025

     

    Bank Midwest loan payable in monthly installments of $19,648 including interest at 6.25%, due October 1, 2037

     $1,637,455  $1,666,762 

    Bank Midwest loan payable in monthly installments of $6,102 including interest at 6.25%, due October 5, 2035

      505,156   514,406 

    U.S. Small Business Administration loan payable in monthly installments of $731 including interest at 3.75% beginning December 18, 2022, due June 18, 2050

      153,645   154,381 

    U.S. Small Business Administration loan payable in monthly installments of $731 including interest at 3.75% beginning December 24, 2022, due June 24, 2050

      154,636   154,880 

    Total term debt

     $2,450,892  $2,490,429 

    Less current portion of term debt

      167,811   165,326 

    Term debt, excluding current portion

     $2,283,081  $2,325,103 

     

    A summary of the minimum maturities of term debt follows for the twelve month periods ending February 28:

     

    Year

     

    Amount

     

    2027

     $167,811 

    2028

      179,706 

    2029

      192,317 

    2030

      206,669 

    2031

      506,995 

    2032 and thereafter

      1,197,394 
      $2,450,892 

        

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    12)

    Income Taxes

     

    Income taxes are accounted for under the asset and liability method. Deferred tax assets and liabilities are recognized for the estimated future tax consequences attributable to differences between the financial statement carrying amounts of existing assets and liabilities and their respective tax bases and operating losses.

     

    The Company has net operating losses and tax credits that are expected to offset any 2026 fiscal year tax liability and does not expect to have significant cash tax expense in the near future.

     

     
     

    13)

    Related Party Transactions

     

    During the three months ended February 28, 2026, and February 28, 2025, the Company did not recognize any revenues from transactions with a related party, and no amounts in accounts receivable balances were due from a related party. From time to time, the Company purchases various supplies from related parties, which are companies in which Marc McConnell, the Company's chairman and principal executive officer, has an ownership interest and also serves as President. McConnell Legacy Investments is paid a monthly fee to guarantee a portion of the Company’s term debt in accordance with the USDA guarantee obtained on the Company’s term debt. In the three months ended February 28, 2026, the Company recognized $3,155 of expense for transactions with related parties compared to $3,355 for the three months ended February 28, 2025. As of February 28, 2026, accrued expenses contained a balance of $1,057 owed to a related party compared to $1,131 on February 28, 2025.

     

     
     

    14)

    Leases

     

     

    The components of finance leases on the Condensed Consolidated Balance Sheets on February 28, 2026 and November 30, 2025 were as follows:

     

      

    February 28, 2026

      

    November 30, 2025

     

    Finance lease right-of-use assets (net of amortization in other assets)

     $327,586  $368,720 
             

    Current portion of finance lease liabilities

     $255,143  $255,748 

    Long-term portion of finance lease liabilities

      345,785   408,154 

    Total finance lease liabilities

     $600,928  $663,902 

     

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    15)

    Equity Incentive Plan and Stock Based Compensation

     

    On February 25, 2020, the Board of Directors of the Company (the “Board”) authorized and approved the Art’s-Way Manufacturing Co., Inc. 2020 Equity Incentive Plan (the “2020 Plan”). The 2020 Plan was approved by the stockholders on April 30, 2020. The 2020 Plan replaced the Art’s-Way Manufacturing Co., Inc. 2011 Equity Incentive Plan (the “2011 Plan”) and prior plans. The 2020 Plan added an additional 500,000 shares to the number of shares reserved for issuance pursuant to equity awards. No further awards will be made under the 2011 Plan or other prior plans. Awards to directors and executive officers under the 2020 Plan are governed by the forms of agreement approved by the Board. Stock options or other awards granted prior to February 25, 2020 are governed by the applicable prior plan and the forms of agreement adopted thereunder. On February 13, 2026, the Board authorized and approved an amendment to the 2020 plan to reserve an additional 500,000 shares for equity awards, subject to shareholder approval at the 2026 annual meeting of shareholders to be held on  April 21, 2026.

     

    The 2020 Plan permits the plan administrator to award nonqualified stock options, incentive stock options, restricted stock awards, restricted stock units, performance awards, and stock appreciation rights to employees (including officers), directors, and consultants. The Board has approved a director compensation policy pursuant to which directors are automatically granted restricted stock awards of 3,000 shares of fully vested common stock annually or initially upon their election to the Board and another 1,000 shares of fully vested common stock on the last business day of each fiscal quarter.

     

    Shares issued under the 2020 Plan for the three month periods ended February 28, 2026 and February 28, 2025 are as follows:

     

      

    For the Three Months Ended

     
      

    February 28, 2026

      

    February 28, 2025

     

    Shares issued to directors (immediate vesting)

      5,000   5,000 

    Shares issued to directors and employees (three-year vesting)

      65,250   46,000 

    Total shares issued (forfeited)

      70,250   51,000 
     
     

    16)

    Disclosures About the Fair Value of Financial Instruments

     

    The fair value of a financial instrument is defined as the amount at which the instrument could be exchanged in a current transaction between willing parties. On  February 28, 2026 and November 30, 2025, the carrying amount approximated fair value for cash, receivables, accounts payable, notes payable to bank, finance lease liabilities and other current and long-term liabilities. The carrying amounts of current assets and liabilities approximate fair value because of the short maturity of these instruments. The fair value of the finance lease liabilities also approximate recorded value, as its measurement is based on discounting future cash flows at rates implicit in the lease. The rates implicit in the lease do not materially differ from current market rates. The fair value of the Company’s term loans payable also approximates recorded value because the interest rates do not substantially differ from current interest rates the Company could obtain under similar terms.

     

    13

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    17)

    Segment Information

     

    In accordance with ASC 280, “Segment Reporting," the Company’s chief operating decision maker, or CODM, has been identified as its President, Chief Executive Officer and Chairman. The CODM reviews operating results to make decisions about allocating resources and assessing performance for the entire Company and utilizes gross profit and income from operations to evaluate segment performance and allocate resources. The Company's selling, general and administrative expenses and engineering expenses are charged to each segment as incurred by each reportable segment. The Company allocates a small portion of corporate expenses from the Agricultural Products segment to the Modular Buildings segment monthly for administrative support services provided.

     

    The Company has two reportable segments: Agricultural Products and Modular Buildings. The Agricultural Products segment manufactures and sells farm equipment and related replacement parts under the Art’s-Way Manufacturing label. The Modular Buildings segment manufactures and installs modular buildings for various uses, commonly animal containment and research laboratories under the Art's Way Scientific and Evolution Modular labels. 

     

    The accounting policies applied to determine the segment information are the same as those described in the summary of significant accounting policies. Management evaluates the performance of each segment based on profit or loss from operations before income taxes, exclusive of nonrecurring gains and losses.

     

    Approximate financial information with respect to the reportable segments is as follows.

     

      

    Three Months Ended February 28, 2026

     
      

    Agricultural Products

      

    Modular Buildings

      

    Consolidated 1

     

    Revenue from external customers

     $3,754,000  $2,886,000  $6,640,000 

    Gross profit

      1,296,000   615,000   1,911,000 

    Operating Expense

      1,195,000   386,000   1,581,000 

    Income from operations

      101,000   229,000   330,000 

    Income (loss) before tax

      9,000   246,000   255,000 

    Income tax expense (benefit)

     $2,000  $57,000  $59,000 
                 

    Total Assets

     $20,604,000  $3,960,000  $24,564,000 

    Capital expenditures

      140,000   36,000   176,000 

    Depreciation & Amortization

      154,000   50,000   204,000 

    Interest expense

      97,000   14,000   111,000 

    Engineering

      107,000   -   107,000 

    Selling

      287,000   150,000   437,000 

    General and administrative (G&A)

      801,000   237,000   1,038,000 

    Corporate expense (included in G&A)

     $97,000  $45,000  $142,000 

     

      

    Three Months Ended February 28, 2025

     
      

    Agricultural Products

      

    Modular Buildings

      Consolidated 1 

    Revenue from external customers

     $2,948,000  $2,193,000  $5,141,000 

    Gross profit

      788,000   708,000   1,496,000 

    Operating Expense

      1,167,000   327,000   1,494,000 

    Income (loss) from operations

      (379,000)  381,000   2,000 

    Income (loss) before tax

      (438,000)  368,000   (70,000)

    Income tax expense (benefit)

     $(92,000) $77,000  $(15,000)
                 

    Total Assets

     $18,857,000  $2,148,000  $21,005,000 

    Capital expenditures

      67,000   16,000   83,000 

    Depreciation & Amortization

      148,000   60,000   208,000 

    Interest Expense

      61,000   15,000   76,000 

    Engineering

      85,000   -   85,000 

    Selling

      206,000   144,000   350,000 

    General and administrative (G&A)

      876,000   183,000   1,059,000 

    Corporate expense (included in G&A)

     $101,000  $45,000  $146,000 

     

    1.

    The consolidated total in the tables is a sum of segment figures and may not tie to actual figures in the condensed consolidated financial statements due to rounding.

        

    14

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    18)

    Subsequent Events

     

    Management evaluated all other activity of the Company and concluded that no subsequent events have occurred other than the line of credit renewal and the change of terms agreements for the Company's two term loans that were signed on March 19, 2026, as discussed in Note 11 Loan and Credit Agreements, that would require recognition in the condensed consolidated financial statements.

     

    Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations

     

    Forward-Looking Statements

     

    The following discussion and analysis should be read in conjunction with the condensed consolidated financial statements and notes thereto included in Part I, Item 1 of this Quarterly Report on Form 10-Q (this “report”) and the audited consolidated financial statements and related notes thereto included in Part II, Item 8, “Financial Statements and Supplementary Data,” as well as Part II, Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” of our Annual Report on Form 10-K for the fiscal year ended November 30, 2025. Some of the statements in this report may be forward-looking statements that reflect our current view on future events, future business, industry and other conditions, our future performance, and our plans and expectations for future operations and actions. In some cases you can identify forward-looking statements by the use of words such as “may,” “should,” “anticipate,” “believe,” “expect,” “plan,” “future,” “intend,” “could,” “estimate,” “predict,” “hope,” “potential,” “continue,” “foresee," "opportunity," or the negative of these terms or other similar expressions. Many of these forward-looking statements are located in this report under Part I, Item 2, “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” but they may appear in other sections as well. Forward-looking statements in this report generally relate to: (i) our expectations with respect to order backlog, future demand for products, expected product mix and resulting sales; (ii) our beliefs regarding the sufficiency of working capital and cash flows; (iii) our expectation that we will continue to be able to renew or obtain financing on reasonable terms when necessary as well as our continued positive relationship with our creditors and lenders; (iv) our beliefs regarding production capabilities; (v) our intentions and beliefs relating to our costs, business strategies, and future performance, including without limitation, the impact of cost cutting measures, process improvement measures and new product development; (vi) our beliefs that normalizing dealer equipment stock levels may positively impact future demand for our agricultural products (vii) our beliefs regarding our early order program providing a picture of future demand; (viii) our expected financial results, including without limitation, our expected results for the Modular Buildings and Agricultural Products segments; and (ix) our expectations concerning our primary capital and cash flow needs.

     

    You should read this report thoroughly with the understanding that our actual results may differ materially from those set forth in the forward-looking statements for many reasons, including events beyond our control and assumptions that prove to be inaccurate or unfounded. We cannot provide any assurance with respect to our future performance or results. Our actual results or actions could and likely will differ materially from those anticipated in the forward-looking statements for many reasons, including but not limited to: (i) the impact of changing credit markets on our ability to continue to obtain financing on reasonable terms; (ii) our ability to repay current debt, continue to meet debt obligations and comply with financial covenants; (iii) the effect of inflation as well as general economic conditions, including consumer and governmental spending, on the demand for our products and the cost of our supplies and materials; (iv) impacts caused by fluctuating commodity prices and fluctuating farm income; (v) fluctuations in seasonal demand and our production cycle; (vi) the ability of our suppliers to meet our demands for raw materials and component parts; (vii) fluctuations in the price of raw materials, especially steel and the impact of U.S. tariff policy and retaliatory tariffs on our business; (viii) our ability to predict and meet the demands of each market in which our segments operate; (ix) the impact of future interest rate changes on our business and the demand of our products, or interest rate changes may be different than we currently expect; and (x) other factors described from time to time in our Securities and Exchange Commission filings. We do not intend to update the forward-looking statements contained in this report other than as required by law. We caution you not to put undue reliance on any forward-looking statements, which speak only as of the date of this report. You should read this report and the documents that we reference in this report and have filed as exhibits completely and with the understanding that our actual future results may be materially different from what we currently expect. We qualify all of our forward-looking statements by these cautionary statements.

     

    Critical Accounting Policies

     

    Our critical accounting policies involving the more significant judgments and assumptions used in the preparation of our financial statements as of February 28, 2026 remain unchanged from November 30, 2025. Disclosure of these critical accounting policies is incorporated by reference from Part II, Item 7, “Management’s Discussion and Analysis of Financial Condition and Results of Operations” of our Annual Report on Form 10-K for the fiscal year ended November 30, 2025.

       

    15

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    Results of Operations

     

    Net Sales and Cost of Sales

     

    Our consolidated corporate sales from continuing operations for the three- month period ended February 28, 2026 were $ 6,640,000 compared to $5,141,000 during the same period in fiscal 2025, an increase of  $1,499,000, or 29.2%. Consolidated gross margin for the three months ended February 28, 2026 was 28.8% compared to 29.1% for the same periods in fiscal 2025. 

     

    Sales in our Agricultural Products segment during the first quarter of fiscal 2026 were $3,754,000 compared to $2,948,000 during the same period of fiscal 2025, an increase of $806,000, or 27.3%. We have experienced increased demand this quarter, as compared to the same period in 2025, with increased sales on grinder mixers, manure spreaders and bale processors. While row crop commodity prices have increased from their lowest point in 2024, they remain substantially below the peak levels experienced in 2022. The slight increase in commodity prices and product availability did, however, lead to improved results for the first quarter of fiscal 2026. Livestock prices remained elevated through Q1 of fiscal 2026 and are driving most of the demand for our agricultural products as a large portion of our customer base raises livestock and row crops. Sugar beet prices declined in the first fiscal quarter of 2026 and we are expecting less demand for our sugar beet equipment for the remainder of fiscal 2026. To offset some of the anticipated decrease in demand, we are deploying a product specialist into our primary beet territory to drive new customer activity and technological development as we unveil a new product in that market for fiscal 2026. Our fall early order program ended with a 62% increase in orders on our non beet equipment, while our beet orders were down 63%. Overall order book from the early order program was up 11%, which leads us to believe the agricultural market is entering a recovery despite continued increasing input costs. Gross margin for our Agricultural Products segment for the three-month period ended February 28, 2026 was 34.5% compared to 26.7% for the same period in fiscal 2025. The margin increase is due primarily to the mix of products sold in Q1 of fiscal 2026. Our grinder mixer sales were up $909,000 year-on-year and was our most profitable product line for the first quarter of fiscal 2026. We continue to carry strong grinder mixer backlog into the second quarter of fiscal 2026 and foresee steady shipments in the second quarter of fiscal 2026.. Steel prices continued to rise in the first quarter of fiscal 2026 and will challenge our strong first fiscal quarter margins. Rising fuel prices in fiscal 2026 could negatively affect demand if it has a large impact on farmer's input costs and 

     

    Our first fiscal quarter sales in our Modular Buildings segment were $2,886,000 compared to $2,193,000 for the same period in fiscal 2025, an increase of $693,000, or 31.6%. We carried strong modular building backlog into fiscal 2026, unlike a year ago, which drove the revenue increase this year. We experienced continued strong demand for our buildings on both the livestock and research sides in the first quarter of fiscal 2026. Current backlog is expected to carry us well into the third quarter of fiscal 2026, which is somewhat unusual given the sales life cycle in our Modular Buildings segment. Our leads remain abundant and we continue to be optimistic about the future prospects and continued success of this business segment. Gross margin in the Modular Buildings segment for the three- month period ended February 28, 2026 was 21.3% compared to 32.3% for the same period in fiscal 2025. Our margin decrease in the first fiscal quarter of fiscal 2026 is due to the selling of a warrantied agriculture modular building at cost and project overages on site work while completing current contracts.

     

    Expenses

     

    Consolidated selling expenses from continuing operations for the three months ended February 28, 2026 were $437,000, compared to $350,000 for the same period in fiscal 2025. The increase in selling expenses is due to increased commissions and royalties on increased sales along with additional targeted advertising campaign expenditures.  Selling expenses as a percentage of sales were 6.6% for the three months ended February 28, 2026 compared to 6.8% for three months ended February 28, 2025. 

     

    Consolidated engineering expenses from continuing operations were $107,000 for three months ended February 28, 2026 compared to $85,000 for the same period in fiscal 2025. The increase in engineering expenses is related to additional research and development costs incurred in 2026 as we made product changes that we felt could drive more sugar beet product demand. Engineering expenses as a percentage of sales were 1.6% for the three months ended February 28, 2026, compared to 1.7% for the same period in fiscal 2025.

     

    Consolidated administrative expenses from continuing operations for the three- month period ended February 28, 2026 were $1,038,000 compared to $1,059,000  for the same period in fiscal 2025. Administrative expenses as a percentage of sales were 15.6% for the three months ended February 28, 2026, compared to 20.6% for the same period in fiscal 2025. Administrative expenses have decreased slightly in fiscal 2026 despite the increase in sales as we have not replaced overhead cut in previous years. We continue to be conscious of adding additional overhead while market conditions are still slow in the Agricultural Products segment.

     

    16

    Table of Contents

     

    Net income (loss)

     

    Consolidated net income was $196,000 for the three-month period ended February 28, 2026, compared to net loss of $56,000 for the same period in fiscal 2025. We are reporting positive operating results in both of our business segments through the first quarter of fiscal 2026. The small uptick in the agricultural market coupled with cost cutting procedures enacted in fiscal 2024 in the Agricultural Products segment has stabilized our operating result to prepare us for a future uptrend in the agriculture cycle. We continue to focus on remaining competitive with pricing, features and availability to ensure we are considered for retail opportunities. Our Modular Buildings segment's success is expected to continue as solid leads make their way to our sales team.

     

    Order Backlog

     

    The consolidated order backlog net of discounts as of April 7, 2026 was $7,287,000 compared to $4,482,000 as of April 7, 2025, a 62.6% increase. The order backlog in our Agricultural Products segment was $2,774,000 as of  April 7, 2026 compared to $2,016,000 in fiscal 2025, a 37.6% increase. Demand has remained steady throughout fiscal 2026 for our agriculture products and is much improved from a year ago due to higher row crop prices and record cattle prices. The backlog for the Modular Buildings segment was $4,513,000 as of April 7, 2026, compared to $2,466,000 in fiscal 2025, an 83% increase. Quoting activity in both the research and agriculture buildings markets have been strong so far in fiscal 2026, with further contracts expected to execute with customers we are performing design agreements for. Our order backlog is not necessarily indicative of future revenue to be generated from such orders due to the possibility of order cancellations and dealer discount arrangements we may enter into from time to time.

     

    Liquidity and Capital Resources

     

    Our primary source of funds for the three months ended February 28, 2026 was cash generated by operating activities including profitability and the increase of customer deposits and accounts payable as we incurred costs on construction contracts. We expect the collection of accounts receivable, progress on construction contracts and reduction of inventory to be primary sources of cash for the remainder of fiscal 2026. We expect our primary cash needs for the remainder of the fiscal year to be tied to operating expenses and retirement of debt. 

     

    As of February 28, 2026, our revolving credit line had an outstanding principal balance of $3,431,937. We renewed our revolving line of credit with Bank Midwest on March 19, 2026, with a scheduled maturity date of March 30, 2027. In our most recent renewal, we negotiated an interest rate 50 basis points lower than our previous line of credit tied to SOFR to recognize expected interest rate decreases sooner. Bank Midwest's credit committee has preapproved an additional $1,500,000 of principal for the 2026 renewal, consistent with the borrowing availability of our previous line of credit, in the event we need additional funding.

     

    We believe our current financing arrangements will provide sufficient cash to finance operations and pay debt when due during the next twelve months. We expect to continue to be able to procure financing upon reasonable terms.

     

    Item 3. Quantitative and Qualitative Disclosures About Market Risk.

     

    As a smaller reporting company, we are not required to provide disclosure pursuant to this Item.

     

    Item 4. Controls and Procedures.

     

    Evaluation of Disclosure Controls and Procedures

     

    The persons serving as our principal executive officer and principal financial officer have evaluated the effectiveness of our disclosure controls and procedures, as defined in Rule 13a-15(e) and Rule 15d-15(e) promulgated under the Securities Exchange Act of 1934, as amended (the “Exchange Act”), as of the end of the period subject to this report. Based on this evaluation, the persons serving as our principal executive officer and principal financial officer concluded that our disclosure controls and procedures were effective as of February 28, 2026. Our management has concluded that the consolidated financial statements included in this report present fairly, in all material respects, our financial position, results of operations and cash flows for the periods presented in conformity with accounting principles generally accepted in the United States.

     

    Changes in Internal Control over Financial Reporting

     

    There were no changes in our internal controls over financial reporting that occurred during the period covered by this report that have materially affected, or are reasonably likely to materially affect, our internal controls over financial reporting.

     

    17

    Table of Contents

     

    PART II – OTHER INFORMATION

     

    Item 1. Legal Proceedings.

     

    We are currently not a party to any material pending legal proceedings.

     

    Item 1A. Risk Factors.

     

    As a smaller reporting company, we are not required to provide disclosure pursuant to this Item.

     

    Item 2. Unregistered Sales of Equity Securities and Use of Proceeds.

     

    We did not purchase any shares of our common stock during the first quarter of fiscal 2026.

     

    Item 3. Defaults Upon Senior Securities.

     

    None.

     

    Item 4. Mine Safety Disclosures.

     

    Not applicable.

     

    Item 5. Other Information.

     

    Insider Trading Arrangements. During the three months ended  February 28, 2026, no director or officer (as defined in Rule 16a-1(f) under the Exchange Act) of the Company adopted or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

     

    18

    Table of Contents
     
     

    Item 6. Exhibits.

     

    Exhibit

    No.

    Description

    3.1

    Conformed Certificate of Incorporation of Art’s-Way Manufacturing Co., Inc. – incorporated by reference to Exhibit 3.1 to the Company’s Annual Report on Form 10-K for the fiscal year ended November 30, 2020.

    3.2

    Conformed Bylaws of Art’s-Way Manufacturing Co., Inc.– incorporated by reference to Exhibit 3.2 to the Company’s Annual Report on Form 10-K for the fiscal year ended November 30, 2020.

    10.1 Solar System Purchase Agreement, dated as of December 19, 2025, by and between Art's-Way Manufacturing Co., Inc., and Midwest Solar Installers - incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K, filed on December 29, 2025.
    10.2 Change in Terms Agreement (Mortgage), Between Bank Midwest and Art's Way Manufacturing Co., Inc. dated March 19, 2026 - filed herewith.
    10.3 Change in Terms Agreement (Roof Loan), Between Bank Midwest and Art's Way Manufacturing Co., Inc. dated March 19, 2026 - filed herewith.
    10.4 Promissory Note, Between Bank Midwest and Art's Way Manufacturing Co., Inc. dated March 19, 2026 - filed herewith.

    31.1

    Certification of Chief Executive Officer pursuant to 17 CFR 13a-14(a) – filed herewith.

    31.2

    Certification of Chief Financial Officer pursuant to 17 CFR 13a-14(a) – filed herewith.

    32.1

    Certification of Chief Executive Officer pursuant to 18 U.S.C. Section 1350 - furnished herewith.

    32.2

    Certification of Chief Financial Officer pursuant to 18 U.S.C. Section 1350 - furnished herewith.

    101

    The following materials from this report, formatted in iXBRL (Inline Extensible Business Reporting Language) are filed herewith: (i) condensed consolidated balance sheets, (ii) condensed consolidated statement of operations, (iii) condensed consolidated statements of stockholders' equity, (iv) condensed consolidated statements of cash flows, and (v) the notes to the condensed consolidated financial statements.

    104

    Cover Page Interactive Data File (embedded within the Inline XBRL and contained in Exhibit 101).

     

    19

    Table of Contents
     

    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 thereunto duly authorized.

     

     

    ART’S-WAY MANUFACTURING CO., INC.

       
       
       

    Date: April 13, 2026

    By: /s/ Marc H. McConnell                            

     

    Marc H. McConnell

     

    President, Chief Executive Officer and Chairman

       

    Date: April 13, 2026

    By: /s/ Michael W. Woods 

     

    Michael W. Woods

     

    Chief Financial Officer

     

    20
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    $ARTW
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    Art's Way Manufacturing Reports Progress Despite Difficult Market Conditions in Third Quarter of Fiscal 2024; CEO Transition

    ARMSTRONG, IA / ACCESSWIRE / October 4, 2024 / Art's Way Manufacturing Co., Inc. (NASDAQ:ARTW) (the "Company"), a diversified manufacturer and distributor of equipment serving agricultural and research needs, announces its financial results for the third quarter of fiscal 2024 and nine months ended August 31, 2024. The Company also reports that it has reached a mutual separation agreement with President and CEO David King effective October 1, 2024. Sales: Our consolidated corporate sales from continuing operations for the three- and nine-month periods ended August 31, 2024 were $5,876,000 and $18,329,000 compared to $8,117,000 and $23,429,000 during the same respective periods in fisc

    10/4/24 1:30:00 PM ET
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    Art's Way Manufacturing Announces Positive Earnings In Fiscal 2021 Despite Supply Chain Challenges In Recovering Economy

    ARMSTRONG, IA / ACCESSWIRE / February 8, 2022 / Art's Way Manufacturing Co., Inc. (NASDAQ:ARTW), a diversified, international manufacturer and distributor of equipment serving agricultural, research and steel cutting needs, announces its financial results for fiscal 2021. For the Twelve Months Ended (Consolidated) November 30, 2021 November 30, 2020 Sales $24,965,000 $22,409,000 Operating Income (Loss) $523,000 $(3,910,000)Net Income (Loss) $213,000 $(2,103,000)EPS (Basic) $0.05 $(0.48)EPS (Diluted) $0.05 $(0.48) Weighted Average Shares Outstanding: Basic 4,515,229 4,393,887 Diluted 4,515,229 4,393,887 Sales: Our consolidated net sales totaled $24

    2/8/22 10:00:00 AM ET
    $ARTW
    Industrial Machinery/Components
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