Spire extends credit agreement maturity to 2031

The borrowers’ credit agreement now has a stated Final Maturity Date of October 11, 2031, while its other material terms remain unchanged.

Rhea-AI Filing Summary

Spire Inc., Spire Missouri Inc., Spire Alabama Inc. and Spire Tennessee Inc. entered an extension and second amendment to their credit agreement with Wells Fargo Bank, National Association, as administrative agent, and the lenders party to the agreement. The amendment extends the agreement’s Final Maturity Date by one year, from October 11, 2030, to October 11, 2031.

The agreement, originally dated October 11, 2024, otherwise remains unchanged in its material terms. The amendment was entered into on October 13, 2026.

8-K Event Classification

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Credit Agreement extension: 1 year Prior Final Maturity Date: October 11, 2030 Amended Final Maturity Date: October 11, 2031

3 metrics

Credit Agreement extension 1 year Extension of the Final Maturity Date

Prior Final Maturity Date October 11, 2030 Credit Agreement

Amended Final Maturity Date October 11, 2031 Credit Agreement

Key Terms

Final Maturity Date, administrative agent, Credit Agreement

3 terms

Final Maturity Date financial

"extends the Final Maturity Date under the Credit Agreement"

The final maturity date is the last day when a loan, bond, or other debt must be fully repaid, including the original amount borrowed and any accrued interest. For investors it’s like the due date on a loan: it sets when they will get their money back, influences the income and risk profile of the investment, and affects sensitivity to interest-rate changes and the chance the borrower will need to refinance or default.

administrative agent financial

"Wells Fargo Bank, National Association, as administrative agent"

An administrative agent is a bank or financial firm appointed to handle the day-to-day paperwork and communication for a group of lenders on a loan or credit agreement, acting as the central point for collecting payments, distributing funds, monitoring covenants, and sharing information. For investors, the administrative agent matters because it influences how quickly lenders receive updates, how smoothly repayments and waivers are handled, and how effectively the lending group enforces terms — think of it as a property manager coordinating tasks for multiple owners.

Credit Agreement financial

"Second Amended and Restated Loan Agreement"

A credit agreement is a written loan contract between a borrower and a bank or other lender that lays out how much money can be borrowed, the interest rate, repayment schedule, fees, and the rules the borrower must follow. For investors, it matters because those terms affect a company’s cash costs, borrowing flexibility and risk of default — similar to how a mortgage’s rules determine a homeowner’s monthly budget and freedom to make changes.

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

When does SR’s amended credit agreement mature?

The amended credit agreement’s Final Maturity Date is October 11, 2031, following a one-year extension from October 11, 2030. The agreement’s other material terms remain unchanged.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Available on EDGAR 10/13/2026 - 04:32 PM EDT Accepted by SEC EDGAR 10/13/2026 - 04:32 PM EDT Learn about SEC filing dates

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 13, 2026

Commission File Number		Name of Registrant, Address of Principal Executive Offices and Telephone Number		State of Incorporation		IRS Employer Identification No.
1-16681		Spire Inc. 700 Market Street St. Louis, MO 63101 314-342-0500		Missouri		74-2976504
1-1822		Spire Missouri Inc. 700 Market Street St. Louis, MO 63101 314-342-0500		Missouri		43-0368139
2-38960		Spire Alabama Inc. 605 Richard Arrington Blvd N Birmingham, AL 35203 205-326-8100		Alabama		63-0022000

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

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

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common Stock $1.00 par value		SR		New York Stock Exchange LLC
6.375% Junior Subordinated Notes due 2086		SRJN		New York Stock Exchange LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

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. ☐

Item 1.01 Entry into a Material Definitive Agreement.

On October 13, 2026, Spire Inc. (“Spire”), Spire Missouri Inc. (“Spire Missouri”), Spire Alabama Inc. (“Spire Alabama”) and Spire Tennessee Inc. (“Spire Tennessee” and, together with Spire, Spire Missouri and Spire Alabama, each, a “Borrower” and, collectively, the “Borrowers”) entered into an Extension and Second Amendment to Second Amended and Restated Loan Agreement (the “Second Amendment”) with Wells Fargo Bank, National Association, as administrative agent, and the lenders party thereto as Banks. The Second Amendment amends the Second Amended and Restated Loan Agreement, dated as of October 11, 2024, among the Borrowers, Wells Fargo Bank, National Association, as administrative agent, and the lenders party thereto, as previously amended (the “Credit Agreement”). The Second Amendment extends the Final Maturity Date under the Credit Agreement by one year, from October 11, 2030 to October 11, 2031. Except for the foregoing amendment, the material terms of the Credit Agreement remain unchanged.

The foregoing description of the Second Amendment is qualified in its entirety by reference to the full text of the Second Amendment, a copy of which is filed as Exhibit 10.1 to this Current Report on Form 8-K and is incorporated herein by reference.

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 under Item 1.01 above is incorporated herein by reference.

Item 9.01 Financial Statements and Exhibits.

(d) Exhibits.

The following exhibits are filed as part of this report:

10.1	Extension and Second Amendment to Second Amended and Restated Loan Agreement, dated October 13, 2026, among Spire Inc., Spire Missouri Inc., Spire Alabama Inc., Spire Tennessee Inc., Wells Fargo Bank, National Association, as administrative agent, and the lenders party thereto as Banks.
104	Cover Page Interactive Data File (embedded with the Inline XBRL document)

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, each of the registrants has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

			Spire Inc.
Date:	October 13, 2026		By:	/s/ Adam W. Woodard
				Adam W. Woodard Executive Vice President, Chief Financial Officer

			Spire Missouri Inc.
Date:	October 13, 2026		By:	/s/ Melinda S. Rush
				Melinda S. Rush Chief Financial Officer and Assistant Treasurer

			Spire Alabama Inc.
Date:	October 13, 2026		By:	/s/ Brittany B. Mathis
				Chief Financial Officer, Controller and Assistant Treasurer

Filing Exhibits & Attachments

2 documents

Agreements & Contracts

• EX-10.1 EX-10.1 1.5 MB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 56.2 KB