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CATO US Equity

Cato CorpConsumer Discretionary · Retail-Women's Clothing Stores · CIK 18255 · FY ends Jan 30
$2.92
-0.12 (-3.95%)
USD · as of 2026-08-21 · marketstack

CATO · 10-K · period ended 2026-01-31

← all CATO documents
filed 2026-03-25 · EDGAR original ↗

Our rendering of the filing — original pagination and typography are not reproduced, and tables are reduced to their short label cells (the figures live on FA). Nothing is summarized: every line below is the filing's own text.

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Item 1A.

Risk Factors:

An investment in our common stock involves numerous types of risks.

You

should carefully consider

the

following

risk

factors,

in

addition

to

the

other

information

contained

in

this

report,

including

the

disclosures

under

“Forward-looking

Information”

above

in

evaluating

our

Company

and

any

potential

investment

in

our

common

stock.

If

any

of

the

following

risks

or

uncertainties

occur

or

persist,

our

business, financial condition and

operating results could

be materially and

adversely affected, the

trading

price

of

our

common

stock

could

decline,

and

you

could

lose

all

or

a

part

of

your

investment

in

our

common

stock.

The

risks

and

uncertainties

described

in

this

section

are

not

the

only

ones

facing

us.

Additional risks

and uncertainties

not presently

known to

us or

that we

currently deem

immaterial

may

also materially

and adversely

affect our

business, operating results,

financial condition,

and value

of our

common

stock.

These

disclosures

reflect

the

Company’s

beliefs

and

opinions

as

to

factors

that

could

materially

and

adversely

affect

the

Company

and

its

securities

in

the

future.

References

to

particular

events or contingencies are provided as

examples only and should not be

interpreted as a complete listing

or

as any

representation about

whether or

not such

events or

contingencies have

occurred in

the past

or

may occur in the future.

Risks Relating to Our Business:

Because we source a significant portion of our merchandise directly

and indirectly from overseas,

we are subject to risks associated with increased costs, changes, disruptions

or other problems

affecting the Company’s merchandise supply chain, risks associated with trade policies, including

costs and uncertainties as the result of actual or threatened tariffs, the risks of conducting

international operations and risks that affect the prevailing economic, social,

geopolitical, public

health and other conditions in the areas from which we source

merchandise. These risks have and

could continue to materially and adversely affect the Company’s business, results of operations

and financial condition.

We

do

not

own

or

operate

any

manufacturing

facilities.

As

a

result,

the

continued

success

of

our

operations

is

tied

to

our

timely

receipt

of

quality

merchandise

from

third

party

manufacturers

at

a

reasonable

cost.

A

significant

amount

of

our

merchandise

is

manufactured

overseas,

principally

in

Southeast

Asia

and

Egypt.

Geopolitical

tensions,

conflicts,

sanctions,

prohibitions,

additional

actual

or

threatened tariffs, compliance and reporting requirements

have resulted in increased costs associated with

11

merchandise produced

in certain

regions. Any

new sanctions,

tariffs

and reporting

requirements enacted

in the future

may further increase our

costs associated with sourcing

products from those regions

or limit

our ability to

procure the products

we source, and

our ability to

source these products from

other regions

may be limited

or result in

increased sourcing costs.

We

are subject to

supply chain disruptions

affecting

transit times

and costs,

including disruptions from

issues related

to vessels

transiting the Suez

Canal and

Red Sea,

which are

being forced to

travel a

much longer distance

around the Cape

of Good

Hope due to

the hostilities in the Middle East. These

issues have and may continue to drive

up our ocean freight costs,

delay

merchandise

deliveries,

and

impact

our

ability

to

access

the

already

limited

supply

of

ocean

container shipping capacity that we require. Additionally,

we may be subject to additional

costs related to

our supply

chain such

as increased

facility fees,

fuel costs,

peak surcharges

and other

additional charges

to

transport

our

goods,

which

may

increase

our

costs.

We

also

are

subject

to

domestic

supply

chain

disruptions,

including

lack

of

domestic

intermodal

transportation

(trucks

and

drivers),

domestic

port

congestion, including increased dwell

times for incoming container

ships, lack of container

yard capacity

and lack of

available drayage from

the ports

and other conditions

that impact our

domestic supply chain.

These

supply

chain

risks

have

and

may

continue

to

result

in

both

higher

costs

to

transport

our

merchandise and delayed merchandise arrivals to

our stores, which adversely affect

our ability to sell this

merchandise and increase markdowns of it.

We

directly import

some of

this merchandise

and indirectly

import the

remaining merchandise

from

domestic vendors who acquire the merchandise from foreign

sources. Further, our third-party

vendors are

dependent

on

materials

primarily

sourced

from

China,

and

our

costs

for

these

materials

are

likely

to

increase as

a result

of newly implemented

tariffs on

Chinese products. We

are subject

to numerous

risks

that can

cause significant

delays or

interruptions in

the supply

of our

merchandise or

increase our

costs.

These risks include political unrest,

labor disputes, terrorism, war,

public health threats, including but

not

limited

to

communicable diseases

(such

as

COVID-19 or

other

pandemics), financial

or

other

forms

of

instability or

other events

resulting in

the

disruption of

trade

from countries

affecting our

supply chain,

increased

security

requirements

for

imported

merchandise,

or

the

imposition

of,

or

changes

in,

laws,

regulations or

changes in

duties, quotas, tariffs,

taxes or

governmental policies regarding

or responses

to

these matters

or other

factors affecting

the availability

or cost

of imports.

If we

are unable

to pass

these

increased

sourcing

costs

onto

our

vendors

or

our

customers,

it

may

adversely

impact

our

results

of

operations.

Increased product costs, freight costs, wage increases and operating

costs due to inflation and

other factors, as well as limitations in our ability to offset these cost increases by increasing

the

retail prices of our products or otherwise, have and may continue to adversely affect our business,

margins, results of operations and financial condition.

Our

ability

to

raise

retail

prices

in

response

to

these

cost

increases

is

limited,

in

part

due

to

our

customers’

unwillingness

to

pay

higher

prices

for

discretionary

items

in

light

of

actual

or

perceived

effects of pricing pressure on consumer confidence,

limited customer disposable income to purchase our

products,

sentiment

or

financial

outlook.

Moreover,

the

persistence

or

worsening

of

these

conditions

could

also lead

our customers

to reduce

their amount

of

current discretionary

spending on

our

products

even

in

the

absence

of

price

increases,

which

could

erode

our

sales

volume

and

adversely

affect

our

results of operations and financial condition.

Any actual or perceived deterioration in the conditions that drive

consumer confidence and

spending have and may continue to materially and adversely affect consumer demand

for our

apparel and accessories and our results of operations.

Consumer

spending

habits,

including

spending

for

our

apparel

and

accessories,

are

affected

by,

among other

things, prevailing

social, economic,

political and

public health

conditions and

uncertainties

(such

as

matters

under

debate

in

the

U.S.

from

time

to

time

regarding

budgetary,

spending

and

tax

policies),

levels

of

Source: SEC EDGAR (public domain) · 10-K for the period ended 2026-01-31, filed 2026-03-25 · accession 0001562762-26-000041

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