STOCK TITAN

Turning Point Brands (NYSE: TPB) grows Q1 2026 sales but sees margin and cash flow pressure

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
10-Q

Rhea-AI Filing Summary

Turning Point Brands, Inc. reports Q1 2026 results with net sales of $124.3 million, up 16.8% from $106.4 million a year ago, driven by strong Stoker’s products growth, especially modern oral products.

Zig-Zag segment sales fell 22.4% to $36.7 million, while Stoker’s segment sales rose 48.1% to $87.6 million. Total gross profit increased to $68.3 million, but higher selling, general and administrative costs cut operating income to $12.5 million, down 46.2%.

Net income attributable to TPB was $11.7 million versus $14.4 million, with diluted EPS of $0.60. Operating cash flow swung to an outflow of $22.3 million, largely from inventory and working-capital changes, while cash stood at $192.4 million against $300.0 million of 7.625% 2032 Notes.

The company recorded a tax benefit, reflecting release of a valuation allowance on deferred tax assets. A recent U.S. Supreme Court ruling on IEEPA tariffs affects approximately $17.9 million of tariffs paid; potential refunds are not yet recognized due to procedural and regulatory uncertainty.

Positive

  • None.

Negative

  • None.

Insights

Revenue is growing, but mix shifts and higher costs are pressuring margins and cash generation.

Turning Point Brands increased Q1 2026 net sales by 16.8% to $124.3 million, with Stoker’s products up 48.1% on modern oral strength. Zig-Zag products declined 22.4%, reflecting weaker U.S. papers, wraps, lighters and Canadian sales.

Gross profit rose to $68.3 million, yet selling, general and administrative expenses climbed over 50%, cutting operating income by 46.2% to $12.5 million. Operating cash flow turned negative $22.3 million, mainly from inventory and other working-capital uses, while cash remained solid at $192.4 million versus $300.0 million of 7.625% 2032 Notes.

The effective tax rate became a -25.2% benefit due to releasing $2.4 million of valuation allowance, boosting after-tax results. A Supreme Court ruling on IEEPA tariffs and CIT-directed refunds covers about $17.9 million of tariffs paid; management has not recorded any receivable, so future financial impact will depend on how the refund process and any new tariffs under Section 122 develop.

Net sales $124.3M Three months ended March 31, 2026; up 16.8% year over year
Zig-Zag net sales $36.7M Three months ended March 31, 2026; down 22.4% year over year
Stoker’s net sales $87.6M Three months ended March 31, 2026; up 48.1% year over year
Operating income $12.5M Three months ended March 31, 2026; down 46.2% year over year
Net income attributable to TPB $11.7M Three months ended March 31, 2026; diluted EPS $0.60
Operating cash flow -$22.3M Net cash used in operating activities in Q1 2026
Cash balance $192.4M Unrestricted cash as of March 31, 2026
2032 Notes $300.0M at 7.625% Senior Secured Notes due 2032; carrying value March 31, 2026
Master Settlement Agreement (MSA) financial
"Pursuant to the Master Settlement Agreement (the “MSA”) entered into in November 1998"
variable interest entity (VIE) financial
"variable interest entities (“VIEs”) for which the Company is considered to have a controlling interest"
A variable interest entity (VIE) is a company or legal entity that an investor controls and reports in its financial statements not by owning a majority of shares but through contracts or other arrangements that give it economic rights and decision-making power. Investors care because a VIE can expose them to assets, debts and legal risks without traditional ownership—think of it like running someone else’s branch through a power-of-attorney rather than holding the keys, which can affect transparency and value.
equity method investment financial
"accounts for its interest in GWO under the equity method of accounting"
An equity method investment is an accounting way to report ownership in another company when an investor has significant influence (commonly around 20–50% of voting rights). Instead of listing the other company’s full assets and debts, the investor records its share of that company’s profits or losses on its own income statement—like keeping track of your share of a neighborhood bakery’s monthly earnings. Investors care because those shared profits, losses and changes in the investee’s value directly affect the investor’s reported earnings and balance sheet, so this method can materially change a company’s financial picture and valuation.
asset-backed revolving credit facility financial
"entered into a new $75.0 million asset-backed revolving credit facility (the “2023 ABL Facility”)"
International Emergency Economic Powers Act (IEEPA) financial
"tariffs imposed under the International Emergency Economic Powers Act (“IEEPA”) on goods imported"
A U.S. law that lets the president impose wide economic controls—like trade bans, asset freezes, and export limits—when a national emergency is declared. For investors it matters because these powers can suddenly change which countries, companies, or products can be traded or owned, similar to a circuit breaker that can shut off parts of a market and alter company revenues, supply chains, or the value of holdings overnight.
premarket tobacco product application financial
"costs related to the FDA premarket tobacco product application"
A premarket tobacco product application is the formal submission a company must file with regulators to get permission to market a new or significantly changed tobacco product. Think of it as a permit showing evidence that the product is acceptable for public health—companies must provide scientific data on ingredients, emissions and likely impact on users and non-users. Investors care because approval determines whether a product can be sold, affects revenue potential, regulatory risk and a company’s valuation.
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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 March 31, 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 number: 001-37763

 

TURNING POINT BRANDS, INC.

(Exact name of registrant as specified in its charter)

 

Delaware

20-0709285

(State or other jurisdiction of Incorporation or organization)

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

 

5201 Interchange Way, Louisville, KY

40229

(Address of principal executive offices)

(Zip Code)

 

(502) 778-4421

(Registrant’s telephone number, including area code)

 

Former name, former address and former fiscal year, if changed since last report: not applicable

 

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

TPB

New York Stock Exchange

 

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, 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

 

Accelerated filer

Non-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  ☑

 

At April 30, 2026, there were 19,367,534 shares outstanding of the registrant’s voting common stock, par value $0.01 per share.

 



 

 

   

 

TURNING POINT BRANDS, INC.

TABLE OF CONTENTS

 

   

Page No.

PART IFINANCIAL INFORMATION

 
   
 

ITEM 1

Financial Statements (Unaudited)

 
       
   

Consolidated Balance Sheets as of March 31, 2026, and December 31, 2025

5

       
   

Consolidated Statements of Income for the three months ended March 31, 2026 and 2025

6

       
   

Consolidated Statements of Comprehensive Income for the three months ended March 31, 2026 and 2025

7

       
   

Consolidated Statements of Cash Flows for the three months ended March 31, 2026 and 2025

8

       
   

Consolidated Statements of Changes in Stockholders Equity for the three months ended March 31, 2026 and 2025

9

       
   

Notes to Consolidated Financial Statements

10

       
 

ITEM 2

Managements Discussion and Analysis of Financial Condition and Results of Operations

28

       
 

ITEM 3

Quantitative and Qualitative Disclosures about Market Risk

40

       
 

ITEM 4

Controls and Procedures

40

       

PART IIOTHER INFORMATION

 
   
 

ITEM 1

Legal Proceedings

41

       
 

ITEM 1A

Risk Factors

41

       
 

ITEM 2

Unregistered Sales of Equity Securities and Use of Proceeds

41

       
 

ITEM 3

Defaults Upon Senior Securities

41

       
 

ITEM 4

Mine Safety Disclosures

41

       
 

ITEM 5

Other Information

41

       
 

ITEM 6

Exhibits

42

       
 

Signatures

43

 

 

 

 

Cautionary Note Regarding Forward-Looking Statements 

 

This Quarterly Report on Form 10-Q for the quarter ended March 31, 2026 (this “Quarterly Report”), contains forward-looking statements within the meaning of the federal securities laws. Forward-looking statements may generally be identified by the use of words such as “anticipate,” “believe,” “expect,” “intend,” “plan,” and “will” or, in each case, their negative, or other variations or comparable terminology. These forward-looking statements include all matters that are not historical facts. By their nature, forward-looking statements involve risks and uncertainties because they relate to events, and depend on circumstances, that may or may not occur in the future. As a result, actual events may differ materially from those expressed in, or suggested by, the forward-looking statements. Any forward-looking statement made by Turning Point Brands, Inc. (“TPB”), in this Quarterly Report on Form 10-Q speaks only as of the date hereof. New risks and uncertainties come up from time to time, and it is impossible for TPB to predict these events or how they may affect it. TPB has no obligation, and does not intend, to update any forward-looking statements after the date hereof, except as required by federal securities laws. Factors that could cause these differences include, but are not limited to:

 

 

declining sales of tobacco products, and expected continuing decline of sales in the tobacco industry overall;

 

our dependence on a small number of third-party suppliers and producers;

 

the possibility that we will be unable to identify or contract with new suppliers or producers in the event of a supply or product disruption, as well as other supply chain concerns, including delays in product shipments and increases in freight cost;

 

the possibility that our licenses to use certain brands or trademarks will be terminated, challenged or restricted;

 

failure to maintain consumer brand recognition and loyalty of our customers and in anticipating and responding to changes in consumer preferences and purchase behavior;

 

our reliance on relationships with several large retailers and national chains for distribution of our products;

 

intense competition and our ability to compete effectively;

 

competition from illicit sources and the damage caused by illicit products to our brand equity;

 

contamination of our tobacco supply or products;

 

uncertainty and continued evolution of the markets for our products;

 

recalls of our products;

  difficulties or liabilities arising from investments in businesses;
 

substantial and increasing regulation and changes in U.S. Food and Drug Administration (“FDA”) enforcement priorities;

 

regulation or marketing denials of our products by the FDA, which has broad regulatory powers;

 

many of our products contain nicotine, which is considered to be a highly addictive substance;

 

requirement to maintain compliance with master settlement agreement escrow account;

 

possible significant increases in federal, state and local municipal tobacco- and nicotine-related taxes;

 

our products are marketed pursuant to a policy of FDA enforcement priorities which could change, and our products could become subject to increased regulatory burdens by the FDA;

 

sensitivity of end-customers to increased sales taxes and economic conditions, including as a result of inflation and other declines in purchasing power;

 

possible increasing international control and regulation;

 

failure to comply with environmental, health and safety regulations;

 

imposition of significant tariffs on imports into the U.S.;

     
 

 

 

 

the scientific community’s lack of information regarding the long-term health effects of certain substances contained in some of our products;

 

significant product liability litigation;

 

our amount of indebtedness;

  our credit rating and ability to access well-functioning capital markets;
 

the terms of our indebtedness, which may restrict our current and future operations;

 

our ability to establish and maintain effective internal controls over financial reporting;

 

our certificate of incorporation and bylaws, as well as Delaware law and certain regulations, could discourage or prohibit acquisition bids or merger proposals, which may adversely affect the market price of our common stock;

 

our certificate of incorporation limits the ownership of our common stock by individuals and entities that are Restricted Investors (as defined in our Certificate of Incorporation). These restrictions may affect the liquidity of our common stock and may result in Restricted Investors being required to sell or redeem their shares at a loss or relinquish their voting, dividend and distribution rights;

 

future sales of our common stock in the public market could reduce our stock price, and any additional capital raised by us through the sale of equity or convertible securities may dilute your ownership in us;

 

we may issue preferred stock whose terms could adversely affect the voting power or value of our common stock;

 

our business may be damaged by events outside of our or our suppliers’ control, such as the impact of epidemics or pandemics, political upheavals, or natural disasters;

 

adverse impact of climate change and legal and regulatory requirements related to climate change and environmental sustainability;

 

our reliance on information technology;

 

cybersecurity and privacy breaches, including due to artificial intelligence;

 

failure to manage our growth;

 

failure to successfully identify, negotiate and complete suitable acquisition opportunities, integrate our acquisitions or otherwise be unable to benefit from pursuing acquisitions;

 

fluctuations in our results;

 

exchange rate fluctuations;

 

adverse U.S. and global economic conditions;

 

departure of key management personnel or our inability to attract and retain talent;

 

infringement on or misappropriation of our intellectual property;

 

third-party claims that we infringe on their intellectual property; and

 

impairment of intangible assets, including trademarks and goodwill.

 

 

 

PART IFINANCIAL INFORMATION

 

Item 1. Financial Statements

 

Turning Point Brands, Inc.

Consolidated Balance Sheets

(dollars in thousands except share data)

 

  

(unaudited)

     
  

March 31,

  

December 31,

 
  

2026

  

2025

 

ASSETS

        

Current assets:

        

Cash

 $192,439  $222,760 

Accounts receivable, net of allowances of $228 in 2026 and $206 in 2025

  27,473   25,726 

Inventories, net

  129,580   107,989 

Other current assets

  68,712   60,675 

Total current assets

  418,204   417,150 

Property, plant, and equipment, net

  40,584   36,247 

Right of use assets

  15,409   14,480 

Deferred financing costs, net

  1,019   1,180 

Goodwill

  135,974   136,097 

Other intangible assets, net

  63,731   64,042 

Master Settlement Agreement (MSA) escrow deposits

  29,786   29,887 

Other assets

  67,390   64,667 

Total assets

 $772,097  $763,750 
         

LIABILITIES AND STOCKHOLDERS’ EQUITY

        

Current liabilities:

        

Accounts payable

 $35,889  $20,420 

Accrued liabilities

  35,394   54,587 

Total current liabilities

  71,283   75,007 

Deferred tax liabilities, net

  8,363   8,289 

Notes payable and long-term debt

  293,885   293,625 

Other long-term liabilities

  2,034   4,138 

Lease liabilities

  11,043   10,708 

Total liabilities

 $386,608  $391,767 
         

Commitments and contingencies

          
         

Stockholders’ equity:

        

Preferred stock, $0.01 par value; authorized shares 40,000,000; issued and outstanding shares -0-

  -   - 

Common stock, voting, $0.01 par value; authorized shares, 190,000,000; 20,824,677 issued shares and 19,367,534 outstanding shares at March 31, 2026, and 20,589,527 issued shares and 19,132,384 outstanding shares at December 31, 2025

  218   216 

Common stock, nonvoting, $0.01 par value; authorized shares, 10,000,000; issued and outstanding shares -0-

  -   - 

Additional paid-in capital

  205,542   203,627 

Cost of repurchased common stock (1,457,143 shares at March 31, 2026 and 1,457,143 shares at December 31, 2025)

  (47,637)  (47,637)

Accumulated other comprehensive loss

  (2,090)  (1,563)

Accumulated earnings

  209,730   199,661 

Non-controlling interest

  19,726   17,679 

Total stockholders’ equity

  385,489   371,983 

Total liabilities and stockholders’ equity

 $772,097  $763,750 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

 

5

 

 

Turning Point Brands, Inc.

Consolidated Statements of Income

(dollars in thousands except share and per share data)

(unaudited)

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Net sales

 $124,278  $106,436 

Cost of sales

  55,983   46,826 

Gross profit

  68,295   59,610 

Selling, general, and administrative expenses

  55,811   36,421 

Operating income

  12,484   23,189 

Other expense, net

  63   - 

Interest expense, net

  4,423   4,414 

Investment gain

  (151)  (141)

Income from equity method investment

  (2,983)  (150)

Loss on extinguishment of debt

  -   1,235 

Income before income taxes

  11,132   17,831 

Income tax (benefit) expense

  (2,810)  2,040 

Consolidated net income

  13,942   15,791 

Net income attributable to non-controlling interest

  2,275   1,396 

Net income attributable to Turning Point Brands, Inc.

 $11,667  $14,395 
         

Basic income per common share:

        

Net income attributable to Turning Point Brands, Inc.

 $0.61  $0.81 

Diluted income per common share:

        

Net income attributable to Turning Point Brands, Inc.

 $0.60  $0.79 

Weighted average common shares outstanding:

        

Basic

  19,214,389   17,795,243 

Diluted

  19,474,877   18,249,306 

The accompanying notes are an integral part of the consolidated financial statements.

 

6

 

 

Turning Point Brands, Inc.

Consolidated Statements of Comprehensive Income

(dollars in thousands)

(unaudited)

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Consolidated net income

 $13,942  $15,791 
         

Other comprehensive income (loss), net of tax

        

Unrealized gain (loss) on MSA investments, net of tax of $22 in 2026 and $146 in 2025

  (75)  495 

Foreign currency translation, net of tax of $0 in 2026 and 2025

  (646)  (44)

Unrealized gain on derivative instruments, net of tax of $0 in 2026 and $18 in 2025

  -   62 

Unrealized gain on investments, net of tax of $0 in 2026 and $0 in 2025

  (34)  (21)
   (755)  492 
         

Consolidated comprehensive income

  13,187   16,283 

Comprehensive income attributable to non-controlling interest

  2,275   1,396 

Comprehensive income attributable to Turning Point Brands, Inc.

 $10,912  $14,887 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

7

 

 

Turning Point Brands, Inc.

Consolidated Statements of Cash Flows

(dollars in thousands)

(unaudited)

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Cash flows from operating activities:

        

Consolidated net income

 $13,942  $15,791 

Adjustments to reconcile net income to net cash provided by operating activities:

        

Loss on extinguishment of debt

  -   1,235 

Loss on sale of property, plant, and equipment

  -   40 

Income from equity method investment

  (2,983)  (150)

Gain on investments

  (15)  - 

Depreciation and other amortization expense

  1,753   1,309 

Amortization of other intangible assets

  306   307 

Amortization of deferred financing costs

  421   448 

Deferred income tax expense

  96   1,716 

Stock compensation expense

  2,938   1,664 

Noncash lease income

  (807)  (380)

Changes in operating assets and liabilities:

        

Accounts receivable

  (1,941)  (5,539)

Inventories

  (21,700)  (8,310)

Other current assets

  (8,062)  (5,399)

Other assets

  (108)  (1,268)

Accounts payable

  15,637   15,433 

Accrued liabilities and other

  (21,736)  512 

Net cash (used in) provided by operating activities

 $(22,259) $17,409 
         

Cash flows from investing activities:

        

Capital expenditures

 $(5,139) $(2,185)

Payment for equity investments

  -   (2,783)

Purchases of investments

  (2,283)  (714)

Proceeds from sale of investments

  2,351   500 

MSA escrow deposits, net

  5   (48)

Net cash used in investing activities

 $(5,066) $(5,230)
         

Cash flows from financing activities:

        

Redemption of 2026 Notes

 $-  $(250,000)

Proceeds from 2032 Notes

  -   300,000 

Payment of dividends

  (1,671)  (1,385)

Payment of financing costs

  -   (6,582)

Exercise of options

  323   973 

Redemption of options

  -   (33)

Redemption of restricted stock units

  (330)  (1,828)

Redemption of performance based restricted stock units

  (1,014)  (2,625)

Net cash (used in) provided by financing activities

 $(2,692) $38,520 
         

Net (decrease) increase in cash

 $(30,017) $50,699 

Effect of foreign currency translation on cash

 $(304) $(48)
         

Cash, beginning of period:

        

Unrestricted

 $222,760  $48,941 

Restricted

  1,914   1,961 

Total cash at beginning of period

 $224,674  $50,902 
         

Cash, end of period:

        

Unrestricted

 $192,439  $99,640 

Restricted

  1,914   1,913 

Total cash at end of period

 $194,353  $101,553 
         

Supplemental schedule of noncash investing activities:

        

Investment acquired in exchange for net assets held for sale

 $-  $10,496 
         

Supplemental schedule of noncash financing activities:

        

Dividends declared not paid

 $1,598  $1,377 

 

The accompanying notes are an integral part of the consolidated financial statements

 

8

 

 

Turning Point Brands, Inc.

Consolidated Statements of Changes in Stockholders Equity

For the Three Months Ended March 31, 2026 and 2025

(dollars in thousands except share data)

(unaudited)

 

              

Cost of

  

Accumulated

             
      

Common

  

Additional

  

Repurchased

  

Other

      

Non-

     
  

Voting

  

Stock,

  

Paid-In

  

Common

  

Comprehensive

  

Accumulated

  

Controlling

     
  

Shares

  

Voting

  

Capital

  

Stock

  

Income (Loss)

  

Earnings

  

Interest

  

Total

 

Beginning balance January 1, 2026

  19,132,384  $216  $203,627  $(47,637) $(1,563) $199,661  $17,679  $371,983 
                                 

Unrealized gain (loss) on MSA investments, net of tax of $22

  -   -   -   -   (75)  -   -   (75)

Foreign currency translation, net of tax of $0

  -   -   -   -   (418)  -   (228)  (646)

Unrealized gain on investments, net of tax of $0

  -   -   -   -   (34)  -   -   (34)

Stock compensation expense

  -   -   2,938   -      -   -   2,938 

Exercise of options

  7,661   -   323   -   -   -   -   323 

Issuance of performance based restricted stock units

  177,587   2   -   -   -   -   -   2 

Redemption of performance based restricted stock units

  (8,138)  -   (1,014)  -   -   -   -   (1,014)

Issuance of restricted stock units

  62,243   -   -   -   -   -   -   - 

Redemption of restricted stock units

  (4,203)  -   (332)  -   -   -   -   (332)

Dividends

  -   -   -   -   -   (1,598)  -   (1,598)

Net income

  -   -   -   -   -   11,667   2,275   13,942 

Ending balance March 31, 2026

  19,367,534  $218  $205,542  $(47,637) $(2,090) $209,730  $19,726  $385,489 
                                 

 

The accompanying notes are an integral part of the consolidated financial statements.

 

9

 

Turning Point Brands, Inc.

Notes to Consolidated Financial Statements (Unaudited)

(dollars in thousands, except where designated and per share data)

 

 

Note 1. Business and Basis of Presentation

 

Description of Business

 

Turning Point Brands, Inc., including its subsidiaries (collectively referred to herein as the “Company,” “we,” “our,” or “us”), is a leading manufacturer, marketer and distributor of branded consumer products. The Company sells a wide range of products to adult consumers consisting of staple products with its iconic brands Zig-Zag® and Stoker’s® and its next generation products to fulfill evolving consumer preferences. The Company's segments are led by its core proprietary and iconic brands: Zig-Zag® and Stoker’s® along with FRE®, Beech-Nut® and Trophy®. The Company’s products are available in more than 220,000 retail outlets in North America. The Company operates two segments, Zig-Zag products and Stoker’s products.

 

Basis of Presentation

 

The accompanying unaudited, interim, consolidated financial statements have been prepared in accordance with the accounting practices described in the Company’s audited, consolidated financial statements as of and for the year ended December 31, 2025. In the opinion of management, the unaudited, interim, consolidated financial statements included herein contain all adjustments necessary to present fairly the financial position, results of operations, and cash flows of the Company for the periods presented. Such adjustments, other than nonrecurring adjustments separately disclosed, are of a normal and recurring nature. The operating results for interim periods are not necessarily indicative of results to be expected for a full year or future interim periods. The unaudited, interim, consolidated financial statements should be read in conjunction with the Company’s audited, consolidated financial statements and accompanying notes as of and for the year ended December 31, 2025. The accompanying interim, consolidated financial statements are presented in accordance with the rules and regulations of the Securities and Exchange Commission (the “SEC”) and, accordingly, do not include all the disclosures required by generally accepted accounting principles in the United States (“GAAP”) with respect to annual financial statements.

 

Certain prior year amounts have been reclassified to conform to the current year’s presentation. The changes did not have an impact on the Company’s consolidated financial position, results of operations, or cash flows in any of the periods presented.

 

 

Note 2. Summary of Significant Accounting Policies

 

Consolidation

 

The consolidated financial statements include the accounts of the Company, its subsidiaries, all of which are wholly-owned, and variable interest entities (“VIEs”) for which the Company is considered to have a controlling interest based on the voting interest entity model or the variable interest entity model. All significant intercompany transactions have been eliminated.

 

U.S. GAAP requires the Company to identify entities for which control is achieved through means other than voting rights and to determine whether the Company is the primary beneficiary of VIEs. A VIE is broadly defined as an entity with one or more of the following characteristics: (a) the total equity investment at risk is insufficient to finance the entity’s activities without additional subordinated financial support; (b) as a group, the holders of the equity investment at risk lack (i) the ability to make decisions about the entity’s activities through voting or similar rights, (ii) the obligation to absorb the expected losses of the entity, or (iii) the right to receive the expected residual returns of the entity; and (c) the equity investors have voting rights that are not proportional to their economic interests, and substantially all of the entity’s activities either involve, or are conducted on behalf of, an investor that has disproportionately few voting rights. The Company consolidates its investment in a VIE when it determines that it is the VIE’s primary beneficiary. The Company  may change its original assessment of a VIE upon subsequent events such as the modification of contractual arrangements that affects the characteristics or adequacy of the entity’s equity investments at risk and the disposition of all or a portion of an interest held by the primary beneficiary.

 

10

 

The primary beneficiary of a VIE is the entity that has both: (i) the power to direct the activities of the VIE that most significantly impact the entity’s economic performance; and (ii) the obligation to absorb losses or the right to receive benefits of the VIE that could be significant to the entity. The Company performs this analysis on an ongoing basis.

 

The Company determines whether an entity is a VIE at the inception of its variable interest in the entity and upon the occurrence of certain reconsideration events.

 

Management of the Company has determined that Turning Point Brands Canada and ALP Supply Co, LLC (“ALP”) are VIEs for which the Company is required to consolidate and determined that the distribution business acquired by General Wireless Operations, Inc. ("GWO") (refer to Note 7, "Other Assets") is a VIE for which the Company is not required to consolidate. The Company has a 65% financial interest in the equity of Turning Point Brands Canada, provides additional subordinated financing and has a distribution agreement for the sale of the Company’s products that makes up a significant portion of Turning Point Brands Canada’s business activities. The Company has a 50% equity interest in ALP, provides additional financing, has a supply agreement to be the exclusive provider of product and is the primary beneficiary due to the power the Company has over the activities that most significantly impact the economic performance, and the right to receive benefits and the obligation to absorb losses. RSH Holding Trust ("RSH Trust"), which was established by the Company and is managed by an independent trustee that votes our interest in GWO in accordance with GWO's board's recommendations, holds a 49% indirect interest in the distribution business through its interests in GWO and, the Company, through Turning Point Brands Canada, has a variable interest through a purchase option to acquire the equity interests of GWO's distribution business. However, the Company does not have the ability to direct the activities that impact the performance of the business. GWO is controlled by Standard General, L.P. Based on the foregoing, management believes in its judgement that the distribution business is a VIE for which the Company is not required to consolidate. See Note 7 "Other Assets" for further discussion of the acquisition of the distribution business by GWO. and the terms of the option on its equity interests. Turning Point Brands Canada charged a fee to the distribution business in 2025. The agreement was terminated in the fourth quarter of 2025.

 

Subsequent to the acquisition of the distribution business by GWO, the Company determined that the GWO equity method investment is a VIE of which we are not the primary beneficiary. We considered the Company’s interest at risk due to a lack of power, through voting rights, to direct the activities that most significantly impact GWO's economic performance. Standard General, L.P’s voting rights are conveyed through an equity interest that is not considered at risk. Based on the foregoing, management believes in its judgement that GWO is a VIE for which the Company is not required to consolidate.

 

Revenue Recognition

 

The Company recognizes revenues in accordance with Accounting Standards Codification (“ASC”) 606, Revenue from Contracts with Customers, which includes excise taxes and shipping and handling charges billed to customers, net of cash discounts for prompt payment, sales returns and incentives, upon delivery of goods to the customer – at which time the Company’s performance obligation is satisfied - at an amount that the Company expects to be entitled to in exchange for those goods in accordance with the five-step analysis outlined in ASC 606: (i) identify the contract with the customer, (ii) identify the performance obligations in the contract, (iii) determine the transaction price, (iv) allocate the transaction price to the performance obligations, and (v) recognize revenue when (or as) performance obligations are satisfied. The Company includes in its transaction price excise taxes on smokeless tobacco, cigars or other nicotine products billed to customers, and excludes sales taxes and value-added taxes imposed at the time of sale.

 

The Company records an allowance for sales returns, based principally on historical volume and return rates, which is included in accrued liabilities on the consolidated balance sheets. The Company records sales incentives, which consist of consumer incentives and trade promotion activities, as a reduction in revenues (a portion of which is based on amounts estimated to be due to wholesalers, retailers and consumers at the end of the period) based principally on historical volume and utilization rates. Expected payments for sales incentives are included in accrued liabilities on the consolidated balance sheets.

 

A further requirement of ASC 606 is for entities to disaggregate revenue recognized from contracts with customers into categories that depict how the nature, amount, timing and uncertainty of revenue and cash flows are affected by economic factors. The Company’s management views business performance through segments that closely resemble the performance of major product lines. Thus, the primary and most useful disaggregation of the Company’s contract revenue for decision making purposes is the disaggregation by segment which can be found in Note 14, “Segment Information”. 

 

Shipping Costs

 

The Company records shipping costs incurred as a component of selling, general and administrative expenses. Shipping costs incurred were approximately $8.2 million and $7.4 million for the three months ending March 31, 2026 and 2025, respectively.

 

Inventories

 

Inventories are stated at the lower of cost or net realizable value using the first-in, first-out method. Leaf tobacco is presented in current assets in accordance with standard industry practice, notwithstanding the fact that such tobacco is carried longer than one year for the purpose of curing.

 

11

 

Fair Value

 

U.S. GAAP establishes a framework for measuring fair value. That framework provides a fair value hierarchy that prioritizes the inputs to valuation techniques used to measure fair value. The hierarchy gives the highest priority to unadjusted quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority to unobservable inputs (Level 3).

 

The three levels of the fair value hierarchy under U.S. GAAP are described below:

 

 

Level 1 – Inputs to the valuation methodology are unadjusted quoted prices for identical assets or liabilities in active markets at the measurement date.

 

Level 2 – Inputs to the valuation methodology include quoted prices for similar assets or liabilities in active markets; quoted prices for identical or similar assets or liabilities in inactive markets; inputs other than quoted prices that are observable for the asset or liability; and inputs that are derived principally from or corroborated by observable market data by correlation or other means.

 

Level 3 – Unobservable inputs that reflect management’s best estimate of what market participants would use in pricing the asset or liability at the measurement date.

 

Derivative Instruments

 

The Company enters into foreign currency forward contracts to hedge a portion of its exposure to changes in foreign currency exchange rates on inventory purchase commitments. The Company accounts for its forward contracts under the provisions of ASC 815, Derivatives and Hedging. Under the Company’s policy, the Company may hedge up to 100% of its anticipated purchases of inventory in the denominated invoice currency over a forward period not to exceed twelve months. The Company may also, from time to time, hedge up to 100% of its non-inventory purchases (e.g., production equipment) in the denominated invoice currency. Forward contracts that qualify as hedges are adjusted to their fair value through other comprehensive income as determined by market prices on the measurement date, except any hedge ineffectiveness which is recognized currently in income. Gains and losses on these forward contracts are reclassified from other comprehensive income into inventory as the related inventories are received and are transferred to net income as inventory is sold. Changes in fair value of any contracts that do not qualify for hedge accounting or are not designated as hedges are recognized currently in income.

 

Risks and Uncertainties

 

Manufacturers and sellers of tobacco products are subject to regulation at the federal, state, and local levels. Such regulations include, among others, labeling requirements, limitations on advertising, and prohibition of sales to minors. The tobacco industry is likely to continue to be heavily regulated. There can be no assurance as to the ultimate content, timing, or effect of any regulation of tobacco products by any federal, state, or local legislative or regulatory body, nor can there be any assurance that any such legislation or regulation would not have a material adverse effect on the Company’s financial position, results of operations or cash flows. In a number of states targeted flavor bans have been proposed or enacted legislatively or by the administrative process. Depending on the number and location of such bans, that legislation or regulation could have a material adverse effect on the Company’s financial position, results of operations, or cash flows. The U.S. Food and Drug Administration (“FDA”) continues to consider various restrictive regulations around our products, including targeted flavor bans; however, the details, timing and ultimate implementation of such measures remain unclear.

 

The tobacco industry has experienced, and is experiencing, significant product liability litigation. Most tobacco liability lawsuits have been brought against manufacturers and sellers of cigarettes for injuries allegedly caused by smoking or exposure to smoke. However, several lawsuits have been brought against manufacturers and sellers of smokeless products for injuries to health allegedly caused by use of smokeless products. Typically, such claims assert that use of smokeless products is addictive and causes oral cancer. There can be no assurance the Company will not sustain losses in connection with such lawsuits and that such losses will not have a material adverse effect on the Company’s financial position, results of operations, or cash flows.

 

Master Settlement Agreement (MSA)

 

Pursuant to the Master Settlement Agreement (the “MSA”) entered into in November 1998 by most states (represented by their attorneys general acting through the National Association of Attorneys General) and subsequent states’ statutes, a “cigarette manufacturer” (which is defined to include a manufacturer of make-your-own (“MYO”) cigarette tobacco) has the option of either becoming a signatory to the MSA or opening, funding and maintaining an escrow account to have funds available for certain potential tobacco-related liabilities with sub-accounts on behalf of each settling state. Such companies are entitled to direct the investment of the escrowed funds and withdraw any appreciation but cannot withdraw the principal for twenty-five years from the year of each annual deposit, except to withdraw funds deposited pursuant to an individual state’s escrow statute to pay a final judgement to that state’s plaintiffs in the event of such a final judgement against the Company. The Company chose to open and fund an escrow account as its method of compliance. It is the Company’s policy to record amounts on deposit in the escrow account for prior years as a non-current asset. The Company has begun to receive deposits back from participating states commencing with the deposits from 1999. At March 31, 2026 and December 31, 2025, the Company had on deposit approximately $32.0 million and $32.0 million, respectively, the fair values of which were approximately $29.8 million and $29.9 million, respectively. The Company discontinued its generic category of MYO in 2019 and its Zig-Zag branded MYO cigarette smoking tobacco in 2017. Thus, without a change in MSA legislation, the Company has no remaining product lines covered by the MSA and will not be required to make future escrow deposits.

 

The Company has chosen to invest a portion of the MSA escrow, from time to time, in U.S. Government securities including Treasury inflation-protected securities, Treasury notes and Treasury bonds. These investments are classified as available-for-sale and carried at fair value. Realized losses are prohibited under the MSA; thus, any investment with an unrealized loss position will be held until the value is recovered, or until maturity.

 

12

 

Fair values for the U.S. Governmental agency obligations are Level 2 in the fair value hierarchy. The following tables show cost and estimated fair value of the assets held in the MSA account, respectively, as well as the maturities of the U.S. Governmental agency obligations held in such account for the periods indicated.

 

  

As of March 31, 2026

  

As of December 31, 2025

 
      

Gross

  

Gross

  

Estimated

      

Gross

  

Gross

  

Estimated

 
      

Unrealized

  

Unrealized

  

Fair

      

Unrealized

  

Unrealized

  

Fair

 
  

Cost

  

Gains

  

Losses

  

Value

  

Cost

  

Gains

  

Losses

  

Value

 

Cash and cash equivalents

 $1,915  $-  $-  $1,915  $1,914  $-  $-  $1,914 

U.S. Governmental agency obligations (unrealized position < 12 months)

  -   -   -   -   298   6   -   304 

U.S. Governmental agency obligations (unrealized position > 12 months)

  30,074   55   (2,258)  27,871   29,780   84   (2,195)  27,669 
  $31,989  $55  $(2,258) $29,786  $31,992  $90  $(2,195) $29,887 

 

  

As of

 

Maturities:

 

March 31, 2026

 

Less than one year

 $2,982 

One to five years

  14,449 

Five to ten years

  10,688 

Greater than ten years

  1,955 

Total

 $30,074 

 

The following shows the amount of deposits by sales year for the MSA escrow account:

 

  

Deposits as of

 

Sales

 

March 31,

  

December 31,

 

Year

 

2026

  

2025

 

1999

  127  $130 

2000

  1,017   1,017 

2001

  1,673   1,673 

2002

  2,271   2,271 

2003

  4,249   4,249 

2004

  3,714   3,714 

2005

  4,553   4,553 

2006

  3,847   3,847 

2007

  4,167   4,167 

2008

  3,364   3,364 

2009

  1,619   1,619 

2010

  406   406 

2011

  193   193 

2012

  199   199 

2013

  173   173 

2014

  143   143 

2015

  101   101 

2016

  91   91 

2017

  82   82 

Total

 $31,989  $31,992 

 

13

 

Recent Accounting Pronouncements

 

Issued but not yet adopted

 

In  November 2024, the FASB issued guidance requiring reporting entities to disclose in the notes to the financial statements, specified information about certain categories of expenses including purchases of inventory, employee compensation, depreciation and amortization for each caption on the income statement where such expenses are included. This guidance will be effective for the Company beginning with its fiscal 2027 annual financial statements and interim periods thereafter. Early adoption is permitted, in addition to either prospective or retrospective application. The Company is currently assessing the impact and extent to which this guidance will affect its disclosures. 

 

In December 2025, the FASB issued ASU 2025‑12, which makes targeted technical corrections and clarifications to several topics in the Codification, including diluted EPS, leases, and transfers of receivables. The guidance is effective for annual periods beginning after December 15, 2026, and interim periods within those annual periods. The Company does not expect adoption to have a material impact on its consolidated financial statements.

 

In September 2025, the FASB issued ASU 2025‑06, which updates the accounting guidance for internal‑use software by eliminating the traditional development stage model and requiring capitalization of costs when funding is authorized and completion is probable, unless significant uncertainties exist. The standard is effective for annual reporting periods beginning after December 15, 2027, with early adoption permitted. The Company is currently evaluating the impact of adoption on its consolidated financial statements and disclosures.

 

 

14

 
 

Note 3. Fair Value of Financial Instruments

 

The estimated fair value amounts have been determined by the Company using the methods and assumptions described below. However, considerable judgment is required to interpret market data to develop estimates of fair value. Accordingly, the estimates presented herein are not necessarily indicative of the amounts the Company could realize in a current market exchange. The use of different market assumptions and/or estimation methodologies may have a material effect on the estimated fair value amounts.

 

Cash and Cash Equivalents

 

Cash and cash equivalents are, by definition, short-term. Thus, the carrying amount is a reasonable estimate of fair value.

 

Accounts Receivable

 

The fair value of accounts receivable approximates their carrying value due to their short-term nature.

 

Long-Term Debt

 

The Company's 2032 Notes bear interest at a rate of 7.625% per year. As of March 31, 2026, the fair value approximated $305.3 million, with a carrying value of $300.0 million. As of  December 31, 2025, the fair value approximated $313.8 million, with a carrying value of $300.0 million. 

 

See Note 9, “Notes Payable and Long-Term Debt”, for further information regarding the Company’s long-term debt.

 

 

Note 4. Inventories

 

The components of inventories are as follows:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

Raw materials and work in process

 $13,771  $9,715 

Leaf tobacco

  52,574   43,747 

Finished goods - Zig-Zag products

  34,064   33,276 

Finished goods - Stoker’s products

  25,047   18,361 

Other

  4,124   2,890 

Inventories, net

 $129,580  $107,989 

 

The valuation allowance to write inventory down to its net realizable value at March 31, 2026 and  December 31, 2025 was $17.0 million and $16.7 million, respectively. 

 

15

 

In December 2023, a third-party warehouse in Tennessee used by the Company incurred significant tornado damage resulting in damage to the leaf tobacco. The leaf tobacco inventory is covered by the Company’s stock throughput insurance policy and the Company believes the inventory loss is probable of being fully recovered under the policy. As a result, the Company recorded a $15.2 million insurance recovery receivable which is included in Other current assets on the consolidated balance sheets.

 

 

Note 5. Other Current Assets

 

Other current assets consist of:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

Inventory deposits

 $24,238  $28,721 

Prepaid taxes

  10,135   7,381 

Insurance recovery receivable

  15,181   15,181 

Other

  19,158   9,392 

Total

 $68,712  $60,675 

 

 

Note 6. Property, Plant, and Equipment

 

Property, plant, and equipment consists of:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

Land

 $22  $22 

Buildings and improvements

  3,851   3,839 

Leasehold improvements

  8,676   8,667 

Machinery and equipment

  46,493   41,475 

Furniture and fixtures

  5,551   5,460 

Gross property, plant and equipment

  64,593   59,463 

Accumulated depreciation

  (24,009)  (23,216)

Property, plant and equipment, net

 $40,584  $36,247 

    

16

 
 

Note 7. Other Assets

 

Other assets consist of:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

Non-marketable equity investments

 $10,815  $7,833 

Debt security investments

  5,662   5,633 

Capitalized software

  9,862   10,133 

Captive investments - available-for-sale marketable securities

  14,844   14,938 

Option Agreements

  25,992   25,963 

Other

  215   167 

Total

 $67,390  $64,667 

 

Non-Marketable Equity Investments and Option Agreements

 

The Company records its non-marketable equity investments without a readily determinable fair value, that are not accounted for under the equity method, at cost, with adjustments for impairment and observable price changes. Should assumptions underlying the determination of the fair values of the Company’s non-marketable equity and debt security investments change, it could result in material future impairment charges.

 

In December 2018, the Company acquired a minority interest in General Wireless Operations, Inc. (“GWO”) from SG Gaming LLC for $0.4 million. GWO is majority owned and controlled by Standard General, LP. On January 2, 2025, the Company contributed 100% of its interest in South Beach Brands ("SBB"), the subsidiary that owned and operated the Company’s former CDS reportable segment, to GWO in exchange for a 49% equity interest. The Company established RSH Trust, which is managed by an independent trustee that votes our interests in GWO in accordance with GWO's board's recommendation, to hold its interest in GWO, and GWO is controlled by Standard General, L.P. The trust also has a purchase option with a 15-year term to acquire the remaining 51% equity interest in GWO. The GWO purchase option includes an initial exercise price of $22.0 million, which may decrease over time based on certain tax sharing payments to Standard General, LP. As a result of this transaction, the Company determined that it no longer has a controlling financial interest in SBB and, as a result, deconsolidated SBB on January 2, 2025, and accounts for its interest in GWO under the equity method of accounting. On January 2, 2025, the Company contributed net assets valued at $13.3 million to GWO as part of the transaction, inclusive of common shares for an amount of $7.7 million and freestanding instruments for an amount of $5.5 million recognized through the caption "Option agreements". Fair value of the Company's interest in GWO was determined utilizing the market approach and the income approach in the form of the discount cash flow method. The results of GWO are recognized through the caption "(income) losses from equity method investments" in the consolidated statements of income. On August 8, 2025, SBB acquired a distribution business. In connection with this acquisition, Turning Point Brands Canada purchased an option from SBB to acquire the distribution business for fair market value less the option price. The option becomes exercisable in March 2027. The option price is approximately $20.0 million with approximately $8.0 million paid at execution of the option and the remaining paid quarterly over 18 months beginning in February 2026. There is approximately $20.1 million in other assets, $8.0 million paid at closing, $10.1 million in accrued liabilities, and $2.0 million in other long-term liabilities as of March 31, 2026. Turning Point Brands Canada charged a fee to the distribution business in 2025. The agreement was terminated in the fourth quarter of 2025.

 

In August 2025, the Company and Standard General, LP amended the GWO purchase option held by the Company, delaying the Company's ability to exercise the purchase option until August 2027.

 

In January 2024, the Company invested $0.8 million to acquire an 18.7% stake in Teaza Energy, LLC (“Teaza”). Teaza is an innovative brand of flavorful oral pouch products that can be dipped or sipped, designed as a health-conscious alternative to high energy drinks and other conventional oral stimulants. The investment was comprised of $0.5 million in cash and a $0.3 million payable to be offset against the Company’s allocated portion of future profit distributions. The Company also has the option to purchase, at fair value, up to 100% of the equity interest from February 1, 2025 through June 30, 2026. The Company accounts for its investment in Teaza using the equity method of accounting.

 

Debt Security Investments

 

In  July 2021, the Company invested $8.0 million in Old Pal Holding Company, LLC (“Old Pal”), with an additional $1.0 million invested in  July 2022. The Company invested in the form of a convertible note which includes additional follow-on investment rights. Interest on the convertible note is payable annually in arrears in  July of each year. As of March 2026, total interest of $1.1 million has been rolled into the convertible note resulting in a total investment of $10.1 million. Old Pal is a leading brand in the cannabis lifestyle space that operates a non-plant touching license model. The convertible note bears an interest rate of 3.0% per year and matures  July 31, 2027. Interest and principal not paid to date are receivable at maturity, and Old Pal has the option to extend the maturity date of the convertible note in one-year increments. The interest rate is subject to change based on Old Pal reaching certain sales thresholds. The weighted average interest rate on the convertible note was 3.0% for the three months ended March 31, 2026 and 2025. Old Pal has the option to convert the note into shares once sales reach a certain threshold. The conditions required to allow Old Pal to convert the note were not met as of March 31, 2026. Additionally, the Company has the right to convert the note into shares at any time. The Company has classified the debt security with Old Pal as available for sale. The Company reports interest income on available for sale debt securities in interest income in its Consolidated Statements of Income. The Company performs a qualitative assessment on a quarterly basis to determine if the fair value of the Old Pal investment could be less than the amortized cost basis. In addition, the Company utilizes a third-party to perform a quantitative assessment to determine fair value using a Monte Carlo simulation (Level 3) when indicated, and at least bi-annually. Based upon its quantitative fair value assessment, the Company determined the fair value of Old Pal to be $6.5 million at December 31, 2025 and recorded an allowance for credit losses of $0.9 in June 2025. The Company has recorded an accrued interest receivable of $0.2 million and $0.1 million at March 31, 2026 and December 31, 2025, respectively, in Other current assets on its Consolidated Balance Sheets.

 

17

 

Captive Investments - Available-for-Sale Marketable Securities

 

In December 2023, the Company formed a captive insurance company, Interchange, IC, incorporated in the District of Columbia, to write a portion of its insurance coverage, including with respect to general product, and officer and director liability coverages under deductible reinsurance policies. Interchange, IC is a fully licensed captive insurance company holding a certificate of authority from the District of Columbia Department of Insurance, Securities and Banking. Interchange, IC is consolidated in the Company’s financial statements. Subsequent to June 30, 2025, Interchange IC received approval from the District of Columbia Department of Insurance, Securities and Banking to operate as a group captive. On July 14, 2025, a third-party investor subscribed $11.0 million for an interest in Interchange IC’s parent company, which contributed the investment to Interchange IC. Insurance reserves were $0.0 million as of March 31, 2026 and $0.4 million as of December 31, 2025. As of March 31, 2026, no policy has been underwritten for the benefit of the third-party investor. The group captive will write policies for both companies. The Company will continue to control and consolidate the entity. 

 

The investments held within the captive are not available for operating activities and are carried at fair value on the consolidated balance sheet. They consist of money market, stocks, corporate bonds, government securities and real estate investment trusts. The Company believes any investments held with gross unrealized losses to be temporary and not the result of credit risk.

 

The Company’s captive investments are summarized in the following table (excludes money market funds):

 

  

As of March 31, 2026

  

As of December 31, 2025

 
      

Gross

  

Estimated

      

Gross

  

Estimated

 
  

Amortized

  

Unrealized

  

Fair

  

Amortized

  

Unrealized

  

Fair

 
  

Cost

  

Gains (Losses)

  

Value

  

Cost

  

Gains (Losses)

  

Value

 

Stocks

 $3,294  $360  $3,654  $1,118  $447  $1,565 

Exchange traded funds

  5,388   152   5,540   5,338   (16)  5,322 

Corporate bonds

  445   (16)  429   2,837   33   2,870 

Real estate investment trusts

  385   (7)  378   377   (5)  372 

Mutual Funds

  4,858   (15)  4,843   4,809   -   4,809 

Total

 $14,370  $474  $14,844  $14,479  $459  $14,938 

 

The following table summarizes the fair value of the Company’s captive investments by contractual maturity.

 

  

As of

 
  

March 31, 2026

 

Due in one to five years

 $429 

Stocks, real estate investment trusts, mutual funds, and exchange traded funds

  14,415 

Total investments at fair value

 $14,844 

   

18

 
 

Note 8. Accrued Liabilities

 

Accrued liabilities consists of:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

Accrued payroll and related items

 $3,714  $13,788 

Customer returns and allowances

  2,557   5,942 

Taxes payable

  6,774   3,257 

Lease liabilities

  5,177   4,641 

Accrued interest

  1,173   6,734 

Option agreement

  10,072   7,448 

Other

  5,927   12,777 

Total

 $35,394  $54,587 

    

 

Note 9. Notes Payable and Long-Term Debt

 

Notes payable and long-term debt consists of the following in order of preference:

 

  

March 31,

  

December 31,

 
  

2026

  

2025

 

2032 Notes

 $300,000  $300,000 

Less deferred financing costs

  (6,115)  (6,375)

Notes payable and long-term debt

 $293,885  $293,625 

 

The components of interest expense, net consists of the following:

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Interest expense

 $7,155  $5,680 

Interest income

  (2,732)  (1,266)

Interest expense, net

 $4,423  $4,414 

  

19

   

2032 Notes

 

On  February 19, 2025, the Company entered into an indenture relating to the issuance and sale of $300.0 million aggregate principal amount of its 7.625% Senior Secured Notes due 2032 (the “2032 Notes”), by and among the Company, the guarantors party thereto and GLAS Trust Company LLC, as trustee and notes collateral agent. The 2032 Notes incur interest at a rate of 7.625%, payable semi-annually in arrears on March 15 and September 15 of each year, commencing on September 15, 2025. Proceeds from the offering were approximately $293.0 million and were used to redeem our 5.625% senior secured notes due 2026 issued on February 11, 2021 and for general corporate purposes.

 

The 2032 Notes are fully and unconditionally guaranteed on a senior secured basis, jointly and severally, by certain existing and future wholly-owned domestic subsidiaries of the Company (collectively, the “Guarantors” as defined in the indenture governing the 2032 Notes or the “2032 Notes Indenture”). The 2032 Notes and the related guarantees are secured by first-priority liens on substantially all of the existing and future assets of the Company and the Guarantors that do not secure the 2023 ABL Facility (as defined below), subject to certain exceptions. The 2032 Notes Indenture contains covenants that, among other things, restrict the ability of the Company and its restricted subsidiaries to: (i) grant or incur liens; (ii) incur, assume or guarantee additional indebtedness; (iii) sell or otherwise dispose of assets, including capital stock of subsidiaries; (iv) make certain investments; (v) pay dividends, make distributions or redeem or repurchase capital stock; (vi) engage in certain transactions with affiliates; and (vii) consolidate or merge with or into, or sell substantially all of our assets to another entity. These covenants are subject to several limitations and exceptions set forth in the 2032 Notes Indenture. For instance, the Company is generally permitted to make restricted payments, including the payment of dividends to shareholders, provided that, at the time of payment, or as a result of payment, the Company is not in default on its covenants; however, there are earnings and market capitalization requirements that if not met could limit the aggregate amount of quarterly dividends payable during a fiscal year. The 2032 Notes Indenture provides for customary events of default. The Company was in compliance with all covenants under the 2032 Notes as of March 31, 2026.

 

The Company incurred debt issuance costs attributable to the 2032 Notes of $7.3 million which are amortized to interest expense using the straight-line method over the expected life of the 2032 Notes.

 

2023 ABL Facility

 

On November 7, 2023, TPB Specialty Finance, LLC, a wholly-owned subsidiary of the Company (the “ABL Borrower”), entered into a new $75.0 million asset-backed revolving credit facility (the “2023 ABL Facility”), with the several lenders thereunder, and Barclays Bank Plc, as administrative agent (the “Administrative Agent”) and as collateral agent and First-Citizens Bank & Trust Company as additional collateral agent (the “Additional Collateral Agent”). Under the 2023 ABL Facility, the ABL Borrower may draw up to $75.0 million under Revolving Credit Loans and Last In Last Out (“LILO”) loans. The 2023 ABL Facility includes a $40.0 million accordion feature. In connection with the 2023 ABL Facility, Turning Point Brands contributed certain existing inventory to the ABL Borrower. The 2023 ABL Facility is secured on a first priority basis (subject to customary exceptions) by all assets of the ABL Borrower.

 

The 2023 ABL Facility contains customary borrowing conditions including a borrowing base equal to the sum of (a) the lesser of (1) 85% of the lower of (A) the market value (on a first in first out basis) of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (B) 85% of the cost of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (2) 85% of the net orderly liquidation value (“NOLV”) percentage of the lower of (1)(A) or (1)(B); plus (b) 85% of the face value of all eligible accounts of the ABL Borrower minus (c) the amount of all eligible reserves.  The 2023 ABL Facility also includes a LILO borrowing base equal to the sum of (a) the lesser of: (1) 10% of the lower of (A) the market value (on a first in first out basis) of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (B) the cost of the sum of eligible inventory, plus eligible in-transit inventory and (2) 10% of the NOLV percentage of the lower of (1)(A) or (1)(B); plus (b) 10% of the face amount of eligible account; minus (c) the amount of all eligible reserves.

 

Amounts borrowed under the 2023 ABL Facility are subject to an interest rate margin per annum equal to (a) from and after the closing date until the last day of the first full fiscal quarter ended after the closing date, (i) 1.25% per annum, in the case base rate loans, and (ii) 2.25% per annum, in the case of revolving credit loans that are secured overnight financing rate (“SOFR”) loans, (b)(i) 2.25% per annum, in the case of LILO loans that are base rate loans, and (ii) 3.25% per annum, in the case of LILO loans that are SOFR loans, (c) on the first day of each fiscal quarter, the applicable interest rate margins will be determined from the pricing grid below based upon the historical excess availability for the most recent fiscal quarter ended immediately prior to the relevant date, as calculated by the Administrative Agent.

 

   

Applicable Margin

  

Applicable Margin

 

Level

Historical Excess Availability

 

for SOFR Loans

  

for Base Rate Loans

 

I

Greater than or equal to 66.66%

 1.75%  0.75% 

II

Less than 66.66%, but greater than or equal to 33.33%

 2.00%  1.00% 

III

Less than 33.33%

 2.25%  1.25% 

 

20

 

The 2023 ABL Facility also requires the Company and its restricted subsidiaries to maintain a fixed charge coverage ratio of at least 1.00 to 1.00 as of the end of any four consecutive fiscal quarters if excess availability is less than the greater of (a) 12.5% of the line cap and (b) $9.4 million, at any time and continuing until excess availability is equal to or exceeds the greater of (i) 12.5% of the line and (ii) $9.4 million for thirty (30) consecutive calendar days; provided that such $9.4 million level shall automatically increase in proportion to the amount of any increase in the aggregate revolving credit commitments in connection with any incremental facility.

 

The 2023 ABL Facility matures on the earlier of (x) November 7, 2027 and (y) the date that is 91 days prior to the maturity date of any material debt of the ABL Borrower or the Company or any of its restricted subsidiaries (subject to customary extensions agreed by the lenders thereunder); provided that clause (y) will not apply to the extent that on any applicable date of determination (on any date prior to the date set forth in clause (y)), (A) the sum of (x) cash that is held in escrow for the repayment of such material debt pursuant to arrangements satisfactory to the Administrative Agent, (y) cash that is held in accounts with the Administrative Agent and/or the Additional Collateral Agent, plus (z) excess availability, is sufficient to repay such material debt and (B) the ABL Borrower has excess availability of at least $15.0 million after giving effect to such repayment of material debt, including any borrowings under the commitments in connection therewith.

 

The Company has not drawn any borrowings under the 2023 ABL Facility but has letters of credit of approximately $2.3 million outstanding under the facility and has an available balance of $72.6 million based on the borrowing base as of March 31, 2026.

 

The Company incurred debt issuance costs attributable to the 2023 ABL Facility of $2.6 million which are amortized to interest expense using the straight-line method over the expected life of the 2023 ABL Facility.

 

 

Note 10. Income Taxes

 

The Company’s effective income tax rate for the three months ended March 31, 2026 and March 31, 2025 was -25.2% and 11.4%, respectively. The effective tax rate for the three months ended March 31, 2026 includes permanent tax differences related to the Company's restricted stock units that were issued in the first quarter of 2026 and stock options that were exercised during the three months ended March 31, 2026.

 

During the first quarter of 2026, the Company concluded that it was more‑likely‑than‑not that TPBI’s separate company state net operating losses and other deferred tax assets, excluding the State §163(j) interest limitation carryforward, would be realizable. As a result, the Company released $2.4 million of the related valuation allowance as a discrete item in the quarter.

 

 

21

    
 

Note 11. Share Incentive Plans

 

On  March 22, 2021, the Company’s Board of Directors adopted the Turning Point Brands, Inc. 2021 Equity Incentive Plan (the “2021 Plan”), pursuant to which awards  may be granted to employees, non-employee directors, and consultants. In addition, the 2021 Plan provides for the granting of nonqualified stock options to employees of the Company or any subsidiary of the Company. Pursuant to the 2021 Plan, 1,290,000 shares, plus 100,052 shares remaining available for issuance under the 2015 Equity Incentive Plan (the “2015 Plan”), of TPB Common Stock are reserved for issuance as awards to employees, non-employee directors, and consultants as compensation for past or future services or the attainment of certain performance goals. The 2021 Plan is scheduled to terminate on  March 21, 2031. The 2021 Plan is administered by the compensation committee (the “Committee”) of the Company’s Board of Directors. The Committee determines the vesting criteria for the awards, with such criteria to be specified in the award agreement. As of March 31, 2026, net of forfeitures, there were 506,294 Restricted Stock Units (“RSUs”), 122,570 options and 168,281 Performance Based Restricted Stock Units (“PRSUs”) granted under the 2021 Plan. There are 592,907 shares available for future grant under the 2021 Plan as of March 31, 2026.

 

On  April 28, 2016, the Board of Directors of the Company adopted the 2015 Plan, pursuant to which awards could have been granted to employees, non-employee directors, and consultants. In addition, the 2015 Plan provided for the granting of nonqualified stock options to employees of the Company or any subsidiary of the Company. Upon adoption of the 2021 Plan, the 2015 Plan was terminated, and the Company determined no additional grants would be made under the 2015 Plan. However, all awards issued under the 2015 Plan that have not been previously terminated or forfeited remain outstanding and continue unaffected. There are no shares available for grant under the 2015 Plan.

 

Stock option activity for the 2015 and 2021 Plans is summarized below:

 

      

Weighted

  

Weighted

 
  

Stock

  

Average

  

Average

 
  

Option

  

Exercise

  

Grant Date

 
  

Shares

  

Price

  

Fair Value

 

Outstanding, December 31, 2024

  535,790  $30.69  $9.51 
             

Exercised

  (245,855)  30.76   9.54 

Forfeited

  (2,643)  36.11   10.88 

Outstanding, December 31, 2025

  287,292  $30.58  $9.47 
             

Exercised

  (7,661)  42.15   13.51 

Outstanding, March 31, 2026

  279,631  $30.26  $9.36 

 

22

 

Under the 2015 and 2021 Plans, the total intrinsic value of options exercised during the three months ended March 31, 2026 and 2025, was $0.5 million, and $0.6 million, respectively.

 

At March 31, 2026, under the 2015 and 2021 Plans, the risk-free interest rate is based on the U.S. Treasury rate for the expected life at the time of grant. The expected volatility is based on the average long-term historical volatilities of peer companies. We intend to continue to consistently use the same group of publicly traded peer companies to determine expected volatility until sufficient information regarding volatility of our share price becomes available or until the selected companies are no longer suitable for this purpose. Due to our limited trading history, we are using the simplified method presented by SEC Staff Accounting Bulletin No. 107 to calculate expected holding periods, which represent the periods of time for which options granted are expected to be outstanding. We will continue to use this method until we have sufficient historical exercise experience to give us confidence in the reliability of our calculations. The fair values of these options were determined using the Black-Scholes option pricing model.

 

The following table outlines the assumptions based on the number of options granted under the 2015 Plan.

 

  

May 17,

  

March 7,

  

March 20,

  

March 18,

  

February 18,

 
  

2017

  

2018

  

2019

  

2020

  

2021

 

Number of options granted

  93,819   98,100   155,780   155,000   100,000 

Options outstanding at March 31, 2026

  19,569   31,370   44,940   27,513   38,800 

Number exercisable at March 31, 2026

  19,569   31,370   44,940   27,513   38,800 

Exercise price

 $15.41  $21.21  $47.58  $14.85  $51.75 

Remaining lives

  1.13   1.94   2.97   3.97   4.89 

Risk free interest rate

  1.76%  2.65%  2.34%  0.79%  0.56%

Expected volatility

  26.92%  28.76%  30.95%  35.72%  28.69%

Expected life

  6.000   6.000   6.000   6.000   6.000 

Dividend yield

  -   0.83%  0.42%  1.49%  0.55%

Fair value at grant date

 $4.60  $6.37  $15.63  $4.41  $13.77 

 

The following table outlines the assumptions based on the number of options granted under the 2021 Plan.

 

  

March 14,

  

April 29,

  

May 12,

  

March 11,

 
  

2022

  

2022

  

2023

  

2024

 

Number of options granted

  100,000   14,827   77,519   54,289 

Options outstanding at March 31, 2026

  12,358   3,273   47,519   54,289 

Number exercisable at March 31, 2026

  12,358   3,273   47,519   54,289 

Exercise price

 $30.46  $31.39  $20.71  $27.19 

Remaining lives

  5.96   6.08   7.12   7.95 

Risk free interest rate

  2.10%  2.92%  3.41%  4.06%

Expected volatility

  35.33%  35.33%  34.51%  35.09%

Expected life

  6.000   6.000   5.186   5.186 

Dividend yield

  1.01%  0.98%  1.61%  1.26%

Fair value at grant date

 $10.23  $11.07  $6.45  $9.21 

 

The Company records compensation expense related to the options based on the provisions of ASC 718 under which the fixed portion of such expense is determined as the fair value of the options on the date of grant and amortized over the vesting period. In 2026 and 2025, the Company has recorded no compensation expense related to the options, which are fully expensed. 

 

23

 

PRSUs are restricted stock units subject to both performance-based and service-based vesting conditions. The number of shares of TPB Common Stock a recipient will receive upon vesting of a PRSU will be calculated by reference to certain performance metrics related to the Company’s performance over a five-year period. PRSUs will vest on the measurement date, which is no more than 65 days after the performance period provided the applicable service and performance conditions are satisfied. As of March 31, 2026, there are 177,725 PRSUs outstanding. The following table outlines the PRSUs granted and outstanding as of March 31, 2026.

 

  

March 14,

  

March 1,

  

April 1,

  

March 3,

  

March 3,

 
  

2022

  

2024

  

2024

  

2025

  

2026

 

Number of PRSUs granted

  49,996   111,321   8,242   41,137   76,550 

PRSUs outstanding at March 31, 2026

  9,116   55,348   4,946   31,765   76,550 

Fair value as of grant date

 $30.46  $26.52  $29.12  $70.34  $107.57 

Remaining lives

  0.75   0.75   0.75   1.75   3.00 

 

The Company records compensation expense related to the PRSUs based on the probability of achieving the performance condition. The Company recorded compensation expense related to the PRSUs of approximately $0.9 million and $0.7 million for the three months ended March 31, 2026 and 2025, respectively. Total unrecognized compensation expense related to these awards at March 31, 2026, is $1.8 million which will be expensed over the service periods based on the probability of achieving the performance condition.

 

The Company has granted 128,359 RSUs which are outstanding and vest over one to five years. The following table outlines the RSUs granted and outstanding as of March 31, 2026.  

 

  

March 14,

  

April 29,

  

March 1,

  

April 1,

  

March 3,

  

May 8,

  

July 14,

  

March 3,

 
  

2022

  

2022

  

2024

  

2024

  

2025

  

2025

  

2025

  

2026

 

Number of RSUs granted

  50,004   4,522   105,257   5,495   36,843   8,464   1,341   63,797 

RSUs outstanding at March 31, 2026

  7,973   632   22,683   1,814   22,110   8,464   886   63,797 

Fair value as of grant date

 $30.46  $31.39  $26.52  $29.12  $70.34  $75.66  $74.61  $107.57 

Remaining lives

  0.75   0.75   1.00   1.00   2.00   0.25   2.44   3.00 

 

The Company records compensation expense related to the RSUs based on the provisions of ASC 718 under which the fixed portion of such expense is determined as the fair value of the RSUs on the date of grant and amortized over the vesting period. The Company recorded compensation expense related to the RSUs of approximately $2.0 million and $1.0 million for the three months ended March 31, 2026 and 2025, respectively. Total unrecognized compensation expense related to RSUs at March 31,2026, is $9.1 million, which will be expensed over 2.74 years.

 

 

Note 12. Contingencies 

 

Other major tobacco companies are defendants in product liability claims. In a number of these cases, the amounts of punitive and compensatory damages sought are significant and, if such a claim were brought against the Company, could have a material adverse effect on our business and results of operations. The potential losses associated with any such lawsuits are not currently reasonably estimable and therefore are not accrued.

 

24

 
 

Note 13. Income Per Share

 

The Company calculates earnings per share using the treasury stock method for its options and non-vested restricted stock units, and the if-converted method for its Convertible Senior Notes.

 

The following is a reconciliation of the numerators and denominators of the basic and diluted EPS computations of net income:

 

  

Three Months Ended March 31,

 
  

2026

  

2025

 
          

Per

          

Per

 
  

Income

  

Shares

  

Share

  

Income

  

Shares

  

Share

 

Basic EPS:

                        

Numerator

                        

Net income attributable to Turning Point Brands, Inc.

 $11,667      $0.61  $14,395      $0.81 
                         

Denominator

                        

Weighted average

      19,214,389           17,795,243     
                         

Diluted EPS:

                        

Numerator

                        

Diluted net income attributable to Turning Point Brands, Inc.

 $11,667      $0.60  $14,395      $0.79 
                         

Denominator

                        

Basic weighted average

      19,214,389           17,795,243     

Stock options and restricted stock units

      260,488           454,063     
       19,474,877           18,249,306     

 

      

25

 
 

Note 14. Segment Information

 

In accordance with ASC 280, Segment Reporting, the Company has two reportable segments, Zig-Zag products and Stoker’s products. The Zig-Zag products segment markets and distributes (i) rolling papers, tubes, and related products; (ii) finished cigars and MYO cigar wraps; and (iii) lighters and other accessories. The Stoker’s products segment (i) manufactures and markets moist snuff, (ii) contracts for and markets loose-leaf chewing tobacco products, and (iii) contracts for and markets its modern oral product. The Company's products are distributed primarily through wholesale distributors in the U.S. and Canada. Corporate unallocated includes the costs and assets of the Company not assigned to one of the two reportable segments and includes corporate overhead expense, including executive management, finance, legal and information technology salaries, and professional services such as audit, external legal costs and information technology services, as well as costs related to the FDA premarket tobacco product application. 

 

The Company’s CODM is its President and Chief Executive Officer and uses segment operating income as the measure of earnings to evaluate the performance of each segment and to make decisions about allocating resources, including employees, property, plant and equipment, as well as financial and capital resources. On a quarterly basis, the CODM reviews segment operating income budget-to-actual variances to assess segment performance and make resource allocation decisions. For both reportable segments, cost of sales is the significant segment expense that is regularly provided to the CODM. 

 

The accounting policies of these segments are the same as those of the Company. Corporate costs are not directly charged to the two reportable segments in the ordinary course of operations. 

 

The tables below present financial information about reportable segments:

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Net sales

        

Zig-Zag products

 $36,669  $47,265 

Stoker’s products

  87,609   59,171 

Total

 $124,278  $106,436 
         

Cost of Sales

        

Zig-Zag products

 $15,724  $21,700 

Stoker’s products

  40,259   25,126 

Total

 $55,983  $46,826 
         

Gross profit

        

Zig-Zag products

 $20,945  $25,565 

Stoker’s products

  47,350   34,045 

Total

 $68,295  $59,610 
         

Other segment items (1)

        

Zig-Zag products

 $9,714  $8,635 

Stoker’s products

  27,579   9,911 

Total

 $37,293  $18,546 
         

Operating income (loss)

        

Zig-Zag products

 $11,231  $16,930 

Stoker’s products

  19,771   24,134 

Total segment operating income

 $31,002  $41,064 

Corporate unallocated (2)(3)

  (18,518)  (17,875)

Total

 $12,484  $23,189 
         

Other expense, net

  63   - 

Interest expense, net

  4,423   4,414 

Investment (gain) loss

  (151)  (141)

Income from equity method investment

  (2,983)  (150)

Loss on extinguishment of debt

  -   1,235 
         

Income from continuing operations before income taxes

 $11,132  $17,831 
         

Capital expenditures

        

Zig-Zag products

 $-  $17 

Stoker’s products

  5,139   2,168 

Total

 $5,139  $2,185 
         

Depreciation and amortization

        

Zig-Zag products

 $291  $276 

Stoker’s products

  1,768   1,340 

Total

 $2,059  $1,616 

 

(1)

Includes primarily selling and marketing costs.

(2)Includes corporate costs that are not allocated to any of the two reportable segments.

(3)

Includes costs related to FDA premarket tobacco product application (“PMTA”) of $0.3 million and $1.6 million for the three months ended March 31, 2026 and 2025, respectively.

 

26

 
  

March 31,

  

December 31,

 
  

2026

  

2025

 

Assets

        

Zig-Zag products

 $250,380  $256,762 

Stoker’s products

  291,682   268,305 

Corporate unallocated (1)

  230,035   238,683 

Total

 $772,097  $763,750 

 

(1)

Includes assets not assigned to the two reportable segments. All goodwill has been allocated to the reportable segments.

 

Net Sales: Domestic and Foreign

 

The following table shows a breakdown of consolidated net sales between domestic and foreign customers:

 

  

Three Months Ended

 
  

March 31,

 
  

2026

  

2025

 

Domestic

 $116,153  $100,488 

Foreign

  8,125   5,948 

Total

 $124,278  $106,436 

 

 

 

Note 15. Dividends and Shares Repurchases

 

A dividend of $0.08 per common share was paid on April 1, 2026, to shareholders of record at the close of business on March 20, 2026.

 

The Company currently pays a quarterly cash dividend. Dividends are considered restricted payments under the 2032 Notes Indenture. The Company is generally permitted to make restricted payments provided that, at the time of payment, or as a result of payment, the Company is not in default on its debt covenants; however, there are earnings and market capitalization requirements that if not met could limit the aggregate amount of restricted, quarterly dividends during a fiscal year.

 

On  February 25, 2020, the Company’s Board of Directors approved a $50.0 million share repurchase program which is intended for opportunistic execution based upon a variety of factors including market dynamics. The program is subject to the ongoing discretion of the Board of Directors. On  October 25, 2021, the Board of Directors increased the approved share repurchase program by $30.7 million, and by an additional $24.6 million on  February 24, 2022. On  November 6, 2024, the Company's Board of Directors increased the share repurchase authorization by $77.9 million to an aggregate amount of $100.0 million. On November 4, 2025, the Company's Board of Directors increased the share repurchase authorization by $100.0 million to an aggregate amount of $200.0 million. For the three months ended March 31, 2026, there were no repurchases under the share repurchase program. 

 

The Company entered into an at-the-market offering program (the "ATM Program") on December 13, 2024, with B. Riley Securities Inc. and Barclays Capital Inc. The Company filed an amendment to the prospectus supplement on November 2, 2025 to increase the aggregate dollar amount of shares of common stock that it may sell under the ATM Program by an additional $200.0 million. Between August 15, 2025, and September 11, 2025, the Company sold 1,014,262 shares of our Common Stock under the ATM Program at an average selling price of $98.59 per share for gross proceeds of $100.0 million, less underwriter's commission and expenses of approximately $2.5 million, for net proceeds of $97.5 million. The shares were issued from repurchased common stock on a first in first out basis. The Company recorded the gain, corresponding to the difference in between the reacquisition cost of treasury stock and the value of treasury stock reissued, into APIC within the Consolidated Statements of Changes in Stockholders' Equity. As of March 31, 2026, there was $200.0 million of capacity remaining under the ATM Program.

 

27

 
 

Item 2. Managements Discussion and Analysis of Financial Condition and Results of Operations

 

You should read the following discussion of the historical financial conditions and results of operations in conjunction with our consolidated financial statements and accompanying notes, which are included elsewhere in this Quarterly Report on Form 10-Q. In addition, this discussion includes forward-looking statements which are subject to risks and uncertainties that may result in actual results differing from statements we make. See Cautionary Note Regarding Forward-Looking Statements. Factors that could cause actual results to differ include those risks and uncertainties discussed in Risk Factorscontained in the Annual Report on Form 10-K for the fiscal year ended December 31, 2025. 

 

The following Managements Discussion and Analysis (MD&A) relates to the unaudited financial statements of Turning Point Brands, Inc., included elsewhere in this Quarterly Report on Form 10-Q. The MD&A is intended to enable the reader to understand the Companys financial condition and results of operations, including any material changes in the Companys financial condition and results of operations since December 31, 2025, and as compared with the three months ended March 31, 2025. The MD&A is provided as a supplement to and should be read in conjunction with the unaudited consolidated financial statements and notes thereto included in this Quarterly report on Form 10-Q, as well as Managements Discussion and Analysis of Financial Condition and Results of Operations contained in the Annual Report on Form 10-K for the fiscal year ended December 31, 2025 (the 2025 Annual Report).

 

In this MD&A, unless the context requires otherwise, references to our Company we, our, or us refer to Turning Point Brands, Inc., and its consolidated subsidiaries. References to TPB refer to Turning Point Brands, Inc., without any of its subsidiaries. Many of the amounts and percentages in this discussion have been rounded for convenience of presentation.

 

Overview

 

Turning Point Brands, Inc. is a leading manufacturer, marketer and distributor of branded consumer products. We sell a wide range of products to adult consumers consisting of staple products with our iconic brands Zig-Zag® and Stoker’s® and our next-generation products to fulfill evolving consumer preferences. Among other markets, we compete in the alternative smoking accessories and Other Tobacco Products (“OTP”) industries. The alternative smoking accessories market is a dynamic market experiencing robust secular growth driven by cannabinoid legalization in the U.S. and Canada and positively evolving consumer perception and acceptance in North America. The OTP industry, which consists of non-cigarette tobacco products, exhibited flat consumer unit annualized growth during the full year period ended 2025 as reported by MSAi a third-party analytics and information company. Our segments are led by our core proprietary and iconic brands: Zig-Zag® in the Zig-Zag products segment and Stoker’s® along with FRE®, Beech-Nut® and Trophy® in the Stoker’s products segment. Our businesses generate solid cash flow which we use to invest in our business, finance acquisitions, increase brand support, expand our distribution infrastructure, and strengthen our capital position. We currently ship to approximately 900 distributors with an additional approximately 600 secondary, indirect wholesalers in the U.S. that carry and sell our products. Under the leadership of a senior management team with extensive experience in the consumer products, alternative smoking accessories and tobacco industries, we have grown and diversified our business through new product launches, category expansions and acquisitions while concurrently improving operational efficiency.

 

We believe there are meaningful opportunities to expand through investing in organic growth via acquisitions and joint ventures across all product categories. Our products are currently available in approximately 220,000 retail locations in North America. Our sales team targets widespread distribution to all traditional retail channels, including convenience stores, and we have a growing e-commerce business.

 

Recent Developments

 

On February 20, 2026, the U.S. Supreme Court issued a ruling regarding tariffs imposed under the International Emergency Economic Powers Act (“IEEPA”) on goods imported into the United States, concluding that such tariffs were unauthorized. As of the date of this report, the Company has paid approximately $17.9 million in tariffs subject to the ruling.

 

The ruling did not address the availability, timing, or amount of any potential refunds. The U.S. Court of International Trade (“CIT”) has ordered the U.S. Customs and Border Protection (“CBP”) to refund the collected IEEPA tariffs. The administrative process for seeking refunds of IEEPA tariffs previously paid remains under development and the CIT’s order may be subject to U.S. government challenge. On April 20, 2026, the CBP launched the Consolidated Administration and Processing of Entries (CAPE) system for IEEPA refunds, which the CBP plans to implement through a phased development approach. There can be no guarantee that a refund, if received, will equal the full amount of IEEPA tariffs paid, and any refund may be subject to taxes and other adjustments or further legal, regulatory, or administration developments. Given these uncertainties, the Company has not recognized any benefit or asset related to potential IEEPA tariff refunds as of this filing date. Following the U.S. Supreme Court's decision, the U.S. administration announced additional tariffs under Section 122 of the Trade Act of 1974 and could take action to implement additional tariffs in the future. Accordingly, any recovery of amounts paid remains uncertain, and management has concluded that recognition of a receivable or recovery asset is not appropriate at this time.

 

The Company continues to monitor developments related to this ruling, as well as changes in U.S. and foreign trade, import, and export policies, which could have a material impact on the Company’s financial position, results of operations, and cash flows.

 

Products

 

We operate in two segments: Zig-Zag products and Stoker’s products segments. In our Zig-Zag products segment, we principally market and distribute (i) rolling papers, tubes and related products; (ii) finished cigars and make-your-own (“MYO”) cigar wraps; and (iii) lighters and other accessories. In addition, we have a majority stake in Turning Point Brands Canada which is a specialty marketing and distribution firm focused on building brands in the Canadian cannabis accessories, tobacco and alternative products categories. In our Stoker’s products segment, we (i) manufacture and market moist snuff tobacco (“MST”); (ii) contract for and market modern oral products; and (iii) contract for and market loose-leaf chewing tobacco products. 

 

28

 

Operations

 

Our Zig-Zag products and Stoker’s products segments primarily generate revenues from the sale of our products to wholesale distributors who, in turn, resell the products to retail operations. Our net sales, which include federal excise taxes, consist of gross sales net of cash discounts, returns, and selling and marketing allowances.

 

We rely on long-standing relationships with high-quality, established manufacturers to provide the majority of our produced products. Approximately 75% of our production, as measured by net sales, is outsourced to suppliers. The remaining production consists primarily of our moist snuff tobacco operations located in Dresden, Tennessee and Louisville, Kentucky. Our principal operating expenses include the cost of raw materials used to manufacture the limited number of our products which we produce in-house; the cost of finished products, which are generally purchased goods; federal excise taxes; legal expenses; and compensation expenses, including benefits and costs of salaried personnel.

 

Key Factors Affecting Our Results of Operations

 

We consider the following to be the key factors affecting our results of operations:

 

 

Our ability to further penetrate markets with our existing products;

 

Our ability to introduce new products and product lines that complement our core business;

 

Decreasing interest in some tobacco products among consumers;

  Competition;
 

Price sensitivity in our end-markets;

 

Marketing and promotional initiatives, which cause variability in our results;

 

Cost related to increasing regulation of promotional and advertising activities;

 

General economic conditions, including consumer access to disposable income and other conditions affecting purchasing power such as inflation and the interest rate environment;

 

Labor and production costs;

 

Cost of complying with regulation, including the “deeming regulation”, as well as the unpredictable nature of the regulatory regimes;

 

Changes to U.S. trade policies, including tariffs;

 

Counterfeit and other illegal products in our end-markets;

 

Currency fluctuations;

 

Our ability to identify attractive acquisition opportunities; and

 

Our ability to successfully integrate acquisitions.

 

Critical Accounting Policies and Uses of Estimates

 

There have been no material changes to our critical accounting policies and estimates from the information provided in “Management’s Discussion and Analysis of Financial Condition and Results of Operations” included in our 2025 Annual Report on Form 10-K.

 

Recent Accounting Pronouncements

 

See Item 1 of Part I, “Notes to Consolidated Financial Statements - Note 2 - Summary of Significant Accounting Policies - Recent Accounting Pronouncements.”

 

29

 

Results of Operations

 

Summary

 

The table and discussion set forth below relates to our consolidated results of continuing operations:

 

(in thousands)

    Three Months Ended March 31,  
   

2026

   

2025

   

% Change

 

Consolidated Results of Operations Data:

                       

Net sales

                       

Zig-Zag products

  $ 36,669     $ 47,265       -22.4 %

Stoker’s products

    87,609       59,171       48.1 %

Total net sales

    124,278       106,436       16.8 %

Cost of sales

    55,983       46,826       19.6 %

Gross profit

                       

Zig-Zag products

    20,945       25,565       -18.1 %

Stoker’s products

    47,350       34,045       39.1 %

Total gross profit

    68,295       59,610       14.6 %
                         

Selling, general, and administrative expenses

    55,811       36,421       53.2 %
                         

Operating income

                       

Zig-Zag products

    11,231       16,930       -33.7 %

Stoker’s products

    19,771       24,134       -18.1 %

Total segment operating income

    31,002       41,064       -24.5 %

Corporate unallocated

    (18,518 )     (17,875 )     3.6 %

Total operating income

    12,484       23,189       -46.2 %

Other expense, net

    63       -       NM  

Interest expense, net

    4,423       4,414       0.2 %

Investment gain

    (151 )     (141 )     7.1 %

Income from equity method investments

    (2,983 )     (150 )     NM  

Loss on extinguishment of debt

    -       1,235       NM  

Income from continuing operations before income taxes

    11,132       17,831       -37.6 %

Income tax (benefit) expense

    (2,810 )     2,040       -237.7 %

Consolidated net income from continuing operations

    13,942       15,791       -11.7 %

Net income attributable to non-controlling interest

    2,275       1,396       63.0 %

Net income from continuing operations attributable to Turning Point Brands, Inc.

  $ 11,667     $ 14,395       -19.0 %

 

30

 

Comparison of the Three Months Ended March 31, 2026, to the Three Months Ended March 31, 2025

 

Net Sales: For the three months ended March 31, 2026, consolidated net sales increased $17.8 million, or 16.8% compared to the prior year period, driven primarily by an increase in the Stoker’s products segment. 

 

For the three months ended March 31, 2026, net sales in the Zig-Zag products segment decreased $10.6 million, or 22.4% compared to the prior year period. The decrease in net sales was driven primarily by declines of $7.4 million in U.S. papers and wraps, $1.7 million in the Clipper lighter business, and $0.9 million  in our Canadian products. 

 

For the three months ended March 31, 2026, net sales in the Stoker’s products segment increased $28.4 million, or 48.1% compared to the prior year period. The increase in net sales was primarily driven by $29.7 million of growth in modern oral products.

 

Gross Profit: For the three months ended March 31, 2026, consolidated gross profit increased $8.7 million, or 14.6% compared to the prior year period. Gross profit as a percentage of net sales decreased to 55.0% for the three months ended March 31, 2026, compared to 56.0% for the three months ended March 31, 2025. The overall increase in gross profit was driven by increases in net sales in the Stoker's products segment and driven by margin contribution from modern oral products.  

 

For the three months ended March 31, 2026, gross profit in the Zig-Zag products segment decreased $4.6 million, or 18.1% compared to the prior year period. Gross profit as a percentage of net sales increased to 57.1% of net sales for the three months ended March 31, 2026, from 54.1% of net sales for the three months ended March 31, 2025, driven primarily by product mix.  

 

For the three months ended March 31, 2026, gross profit in the Stoker’s products segment increased $13.3 million, or 39.1% compared to the prior year period. Gross profit as a percentage of net sales decreased to 54.0% of net sales for the three months ended March 31, 2026, from 57.5% of net sales for the three months ended March 31, 2025, primarily driven by margin contribution from modern oral products. 

 

Selling, General, and Administrative Expenses: For the three months ended March 31, 2026, selling, general, and administrative expenses increased $19.4 million, or 53.2% compared to the prior year period, primarily due to increased shipping and selling costs related to the increase in modern oral sales in the quarter compared to the prior year period. Selling, general and administrative expenses in the three months ended March 31, 2026, included $0.3 million of expense related to PMTA, $2.9 million of stock options, restricted stock and incentives expense, $0.2 million of legal expenses incurred in connection with litigation related to an insurance claim, and $0.1 million of expense related to corporate restructuring. Selling, general and administrative expenses in the three months ended March 31, 2025, included $1.7 million of stock options, restricted stock and incentives expense, $1.6 million of expense related to PMTA, $0.2 million of transaction costs, and $0.2 million of expense related to the implementation of the new ERP and CRM systems.

 

31

 

Operating Income: For the three months ended March 31, 2026, consolidated operating income decreased $10.7 million, or 46.2% compared to the prior year period. Operating income as a percentage of net sales decreased to 10.0% of net sales for the three months ended March 31, 2026 from 21.8% of net sales for the three months ended March 31, 2025, primarily driven by increased selling, general and administrative costs.  

 

For the three months ended March 31, 2026, operating income in the Zig-Zag products segment decreased $5.7 million, or 33.7% compared to the prior year period. Operating income as a percentage of net sales decreased to 30.6% of net sales for the three months ended March 31, 2026 from 35.8% of net sales for the three months ended March 31, 2025, primarily driven by improved margins on product mix offset by an increase in sales and marketing costs.

 

For the three months ended March 31, 2026, operating income in the Stoker’s products segment decreased $4.4 million, or 18.1% compared to the prior year period. Operating income as a percentage of net sales decreased to 22.6% of net sales for the three months ended March 31, 2026 from 40.8% of net sales for the three months ended March 31, 2025, primarily driven by margin contribution of modern oral products and higher sales and marketing costs to drive sales. 

 

Included in consolidated operating income are costs of the Company which are not assigned to one of the two reportable segments and include: (i) corporate overhead expense, including executive management, finance, legal and information technology salaries, and professional services, such as audit, external legal costs and information technology services, as well as (ii) costs related to the FDA premarket tobacco product application. For the three months ended March 31, 2026, unallocated costs were $18.5 million compared to $17.9 million in the prior year period, an increase of $0.6 million or 3.6%, primarily driven by joint venture related corporate expenses.   

 

Other Expense, net: For the three months ended March 31, 2026, other income increased $0.1 million compared to the prior year period due to an honorarium gift in the current year period that was not applicable in the prior year period. 

 

Interest Expense, net: For the three months ended March 31, 2026, interest expense, net was $4.4 million, consistent with the prior year period. The level of interest expense remained stable due to no significant changes in average borrowings, interest rates or debt structure during the period. 

 

Investment Gain: For the three months ended March 31, 2026, investment gain was $0.2 million, consistent with the prior year period. The year-over-year stability reflects comparable investment performance and an unchanged investment portfolio composition during the period.

 

Income From Equity Method Investments: For the three months ended March 31, 2026, income from investments in equity securities increased $2.8 million compared to the prior year period as a result of GWO.

 

Loss on Extinguishment of Debt: There was no loss on extinguishment of debt for the three months ended March 31, 2026. Loss on extinguishment of debt for the three months ended March 31, 2025 was $1.2 million as a result of the redemption of the 2026 Notes in February 2025.

 

Income Tax (Benefit) Expense: Our income tax benefit of $2.8 million was (25.2%of income before income taxes for the three months ended March 31, 2026. Our effective income tax rate was 11.4% for the three months ended March 31, 2025. The change in tax rate is primarily attributable to the release of a valuation allowance on deferred tax assets.

 

Net Income Attributable to Non-Controlling Interest: Net income attributable to non-controlling interest was $2.3 million and $1.4 million, respectively, for the three months ended March 31, 2026 and 2025. The increase in non-controlling interest compared to the prior year period is primarily due to higher sales volumes and improved net income.

 

Net Income Attributable to Turning Point Brands, Inc.: Due to the factors described above, net income attributable to Turning Point Brands, Inc. for the three months ended March 31, 2026 and 2025, was $11.7 million and $14.4 million, respectively.

 

32

 

EBITDA and Adjusted EBITDA

 

To supplement our financial information presented in accordance with generally accepted accounting principles in the United States, or U.S. GAAP, we use non-U.S. GAAP financial measures including EBITDA and Adjusted EBITDA. We believe Adjusted EBITDA provides useful information to management and investors regarding certain financial and business trends relating to our financial condition and results of operations. Adjusted EBITDA is used by management to compare our performance to that of prior periods for trend analyses and planning purposes and is presented to our Board of Directors. We believe that EBITDA and Adjusted EBITDA are appropriate measures of operating performance because they eliminate the impact of expenses that do not relate to operating performance. In addition, our debt instruments contain covenants which use Adjusted EBITDA calculations.

 

We define “EBITDA” as net income attributable to Turning Point Brands, Inc. before interest expense, gain (loss) on extinguishment of debt, income tax expense, depreciation and amortization. We define “Adjusted EBITDA” as net income before interest expense, gain (loss) on extinguishment of debt, income tax expense, depreciation, amortization, other non-cash items and other items we do not consider the ordinary course in our evaluation of ongoing operating performance noted in the reconciliation below. Among other items that we adjust Adjusted EBITDA for is FDA PMTA expense. The Company believes it is appropriate to adjust for this spend as the costs are incurred in connection with what we view as a non-traditional regulatory process that requires applications be submitted for covered products that are already on the market. As a result, Company’s management believes it is most appropriate to assess the performance of the Company’s business – the sale of our various products - without regard to these costs and believes that adjusting for these costs provides investors and the public markets with the most meaningful metrics to assess performance of the business. The Company reconciles its EBITDA metrics to Net income attributable to Turning Point Brands, Inc. because that measure reflects the Company’s portion of the profitability from consolidated joint ventures after removing results attributable to our partners in such joint ventures.

 

Non-U.S. GAAP measures should not be considered a substitute for, or superior to, financial measures calculated in accordance with U.S. GAAP. Adjusted EBITDA excludes significant expenses required to be recorded in our financial statements by U.S. GAAP and is subject to inherent limitations. Other companies in our industry may calculate this non-U.S. GAAP measure differently than we do or may not calculate it at all, limiting its usefulness as a comparative measure. The tables below provide reconciliations between net income and Adjusted EBITDA.

 

 

   

Three Months Ended

 

(in thousands)

 

March 31,

 
   

2026

   

2025

 

Net income attributable to Turning Point Brands, Inc.

  $ 11,667     $ 14,395  

Add:

               

Interest expense, net

    4,569       4,401  

Loss on extinguishment of debt

    -       1,235  

Income tax (benefit) expense

    (2,492 )     2,040  

Depreciation expense

    794       828  

Amortization expense

    1,285       822  

EBITDA

  $ 15,823     $ 23,721  

Components of Adjusted EBITDA

               

Corporate restructuring (a)

    98       -  

ERP/CRM (b)

    -       211  

Stock based compensation (c)

    2,938       1,664  

Transactional expenses and strategic initiatives (d)

    145       176  

Non-recurring legal (e)

    153       -  

FDA PMTA (f)

    290       1,591  

Mark-to-market gain on Canadian inter-company note (g)

    (117 )     315  

Tariff adjustment (h)

    5,903       -  

Manufacturing start-up costs (i)

    594       -  

Honorarium (j)

    63       -  

Adjusted EBITDA

  $ 25,890     $ 27,678  

 

(a)

Represents costs associated with corporate restructuring, including severance and early retirement.

(b)

Represents cost associated with scoping and mobilization of new ERP and CRM systems and cost of duplicative ERP licenses.

(c)

Represents non-cash stock options, restricted stock, PRSUs, etc.

(d)

Represents the fees incurred for transaction expenses.

(e) Represents legal expenses incurred in connection with litigation related to an insurance claim.
(f)

Represents costs associated with applications related to FDA premarket tobacco product application (“PMTA”). The PMTA regime requires the Company to submit an application to the FDA to receive marketing authorization to continue to sell certain of its product lines with continued sales permitted during the pendency of the applications. The application is a one-time resource-intensive process for each covered product line; however, due to the nature of the implementation process for those product lines already in the market, applications can take multiple years to complete rather than the typical one-time submission. The Company has only two product lines currently subject to the PMTA process, having utilized other regulatory pathway options available for our other product lines. The Company does not expect to submit additional PMTA applications for any new product lines after the submission for the remaining two are complete.

(g)

Represents a mark-to-market gain attributable to foreign exchange fluctuation.
(h) Represents adjustment to current period costs of goods sold to exclude tariffs subject to refund.
(i) Represents non-recurring expenses incurred during the start-up of manufacturing lines.
(j) Represents an honorarium gift included in other (income) expense, net.

 

33

 

Liquidity and Capital Resources

 

As of March 31, 2026, we have $192.4 million of cash on hand and $72.6 million of availability under the 2023 ABL Facility. We have no borrowings outstanding under our 2023 ABL Facility as of March 31, 2026. Our principal uses for cash are working capital, debt service, and capital expenditures.

 

Our adjusted working capital, which we define as current assets less cash and current liabilities, increased $35.1 million compared to the prior year end. The increase in working capital is primarily the result of a $1.7 million increase in accounts receivable, an $21.6 million increase in inventory and a $8.0 million increase in other current assets, partially offset by an increase of $15.5 million in accounts payable and a $19.2 million decrease in accrued liabilities. With our strong cash balance, free cash flow generation and borrowing availability under the 2023 ABL Facility, we expect to have ample liquidity to satisfy our operating cash requirements for the foreseeable future.

 

   

March 31,

   

December 31,

 

(in thousands)

 

2026

   

2025

 
                 

Current assets

  $ 225,765     $ 194,390  

Current liabilities

    71,283       75,007  

Adjusted working capital

  $ 154,482     $ 119,383  

 

Cash Flows from Continuing Operations

 

Our cash flows from continuing operations as reflected in the Consolidated Statements of Cash Flows are summarized as follows:

 

(in thousands)

 

Three Months Ended

 
   

March 31,

 

Cash provided by (used in):

 

2026

   

2025

 

Operating activities

  $ (22,259 )   $ 17,409  

Investing activities

  $ (5,066 )   $ (5,230 )

Financing activities

  $ (2,692 )   $ 38,520  

 

Cash Flows from Operating Activities

 

For the three months ended March 31, 2026, net cash used in operating activities was $22.3 million, a increase of $39.7 million compared to the prior year period. The increase is primarily due to unfavorable changes of $34.5 million in working capital,  $1.2 million in other assets, decrease in net income, net of non-cash items of $6.3 million. The primary drivers of non-cash items were a $1.6 million increase in deferred tax benefit, a $0.4 million increase in depreciation and amortization,  a $2.8 million increase in income from equity method investment and a $1.2 million decrease in loss on extinguishment of debt compared to the prior year period. The decrease in cash from working capital compared to the prior year period was primarily driven by the timing of payments.

 

Cash Flows from Investing Activities

 

For the three months ended March 31, 2026, net cash used in investing activities was $5.1 million, a decrease of $0.2 million compared to the prior year period, primarily due to an increase in capital expenditures of $3.0 million offset by $2.8 million decrease for investments.

 

Cash Flows from Financing Activities

 

For the three months ended March 31, 2026, net cash used in financing activities was $2.7 million, a decrease of $41.2 million compared to the prior year period, primarily due to a net decrease in cash of $43.4 million related to the February 2025 issuance of the 2032 Notes, and $2.5 million related to stock compensation activity.

 

34

 

Dividends, Share Issuances, and Shares Repurchases

 

A dividend of  $0.08 per common share was paid on April 10, 2026, to shareholders of record at the close of business on March 20, 2026.

 

On February 25, 2020, our Board of Directors approved a $50.0 million share repurchase program, which is intended for opportunistic execution based upon a variety of factors including market dynamics. The program is subject to the ongoing discretion of the Board of Directors. On October 25, 2021, the Board of Directors increased the approved share repurchase program by $30.7 million, and by $24.6 million on February 24, 2022. On November 6, 2024, the Company's Board of Directors increased the Company’s share repurchase authorization by $77.9 million to an aggregate amount of $100.0 million. On November 4, 2025, the Company's Board of Directors increased the share repurchase authorization by $100.0 million to an aggregate amount of $200.0 million. For the three months ended March 31, 2026, there were no repurchases under the share repurchase program. As of March 31, 2026, there was $200.0 million in remaining repurchase authority under the plan. 

 

The Company entered into an at-the-market offering program (the "ATM Program") on December 13, 2024, with B. Riley Securities Inc. and Barclays Capital Inc. Between August 15, 2025, and September 11, 2025, the Company sold 1,014,262 shares of our Common Stock under the ATM Program at an average selling price of $98.59 per share for gross proceeds of $100.0 million, less underwriter's commission and expenses of approximately $2.5 million, for net proceeds of $97.5 million. The shares were issued from repurchased common stock on a first in first out basis. The Company recorded the gain, corresponding to the difference in between the reacquisition cost of treasury stock and the value of treasury stock reissued, into APIC within the Consolidated Statements of Changes in Stockholders' Equity. As of March 31, 2026, there was $200.0 million of capacity remaining under the ATM Program.

 

Long-Term Debt

 

Notes payable and long-term debt consisted of the following at March 31, 2026 and December 31, 2025, in order of preference:

 

   

March 31,

   

December 31,

 
   

2026

   

2025

 

2032 Notes

  $ 300,000     $ 300,000  

Less deferred financing costs

    (6,115 )     (6,375 )

Notes payable and long-term debt

  $ 293,885     $

293,625

 

 

2032 Notes

 

In February 2025, the Company closed a private offering of $300.0 million aggregate principal amount of 7.625% senior secured notes due to mature on March 15, 2032 (the “2032 Notes”). Interest on the 2032 Notes is payable semi-annually on March 15 and September 15 of each year, commencing on September 15, 2025. We used the proceeds from the offering (i) to repay all obligations under and redeem all of our 5.625% senior secured notes due 2026 (the "2026 Notes), (ii) to pay related fees, costs and expenses and (iii) for general corporate purposes. The 2032 Notes are fully and unconditionally guaranteed on a senior secured basis, jointly and severally, by each current and future wholly-owned domestic restricted subsidiary of the Company that guaranteed the 2026 Notes (collectively, the “Guarantors” as defined in the indenture governing the 2032 Notes or the “2032 Notes Indenture”). The 2032 Notes and the related guarantees are secured by first-priority liens on substantially all of the assets of the Company and the Guarantors, subject to certain exceptions. Proceeds from the offering were approximately $293.0 million.

 

The 2032 Notes Indenture contains covenants that, among other things, restrict the ability of the Company and its restricted subsidiaries to: (i) grant or incur liens; (ii) incur, assume or guarantee additional indebtedness; (iii) sell or otherwise dispose of assets, including capital stock of subsidiaries; (iv) make certain investments; (v) pay dividends, make distributions or redeem or repurchase capital stock; (vi) engage in certain transactions with affiliates; and (vii) consolidate or merge with or into, or sell substantially all of our assets to another entity. These covenants are subject to several limitations and exceptions set forth in the 2032 Notes Indenture. For instance, the Company is generally permitted to make restricted payments, including the payment of dividends to shareholders, provided that, at the time of payment, or as a result of payment, the Company is not in default on its debt covenants; however, there are earnings and market capitalization requirements that if not met could limit the aggregate amount of quarterly dividends payable during a fiscal year. The 2032 Notes Indenture provides for customary events of default. The Company was in compliance with all covenants under the 2032 Notes as of March 31, 2026.

 

We incurred debt issuance costs attributable to the 2032 Notes of $7.3 million which are amortized to interest expense using the straight-line method over the expected life of the 2032 Notes.

 

 

35

 

2023 ABL Facility

 

On November 7, 2023, TPB Specialty Finance, LLC, a wholly-owned subsidiary of the Company (the “ABL Borrower”), entered into a new $75.0 million  asset-backed revolving credit facility (the “2023 ABL Facility”), with the several lenders thereunder, and Barclays Bank Plc, as administrative agent (the “Administrative Agent”) and as collateral agent and First-Citizens Bank & Trust Company as additional collateral agent (the “Additional Collateral Agent”). Under the 2023 ABL Facility, the ABL Borrower may draw up to $75.0 million under Revolving Credit Loans and Last In Last Out (“LILO”) Loans. The 2023 ABL Facility includes a $40.0 million accordion feature. In connection with the 2023 ABL Facility, Turning Point Brands contributed certain existing inventory to the ABL Borrower. The 2023 ABL Facility is secured on a first priority basis (subject to customary exceptions) by all assets of the ABL Borrower.

 

The 2023 ABL Facility contains customary borrowing conditions including a borrowing base equal to the sum of (a) the lesser of (1) 85% of the lower of (A) the market value (on a first in first out basis) of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (B) 85% of the cost of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (2) 85% of the net orderly liquidation value (“NOLV”) percentage of the lower of (1)(A) or (1)(B); plus (b) 85% of the face value of all eligible accounts of the ABL Borrower minus (c) the amount of all eligible reserves.  The 2023 ABL Facility also includes a LILO borrowing base equal to the sum of (a) the lesser of: (1) 10% of the lower of (A) the market value (on a first in first out basis) of the sum of eligible inventory, plus eligible in-transit inventory of the ABL Borrower and (B) the cost of the sum of eligible inventory, plus eligible in-transit inventory and (2) 10% of the NOLV percentage of the lower of (1)(A) or (1)(B); plus (b) 10% of the face amount of eligible account; minus (c) the amount of all eligible reserves.

 

Amounts borrowed under the 2023 ABL Facility are subject to an interest rate margin per annum equal to (a) from and after the closing date until the last day of the first full fiscal quarter ended after the closing date, (i) 1.25% per annum, in the case base rate loans, and (ii) 2.25% per annum, in the case of revolving credit loans that are secured overnight financing rate (“SOFR”) loans, (b)(i) 2.25% per annum, in the case of LILO loans that are base rate loans, and (ii) 3.25% per annum, in the case of LILO loans that are SOFR loans, (c) on the first day of each fiscal quarter, the applicable interest rate margins will be determined from the pricing grid below based upon the historical excess availability for the most recent fiscal quarter ended immediately prior to the relevant date, as calculated by the Administrative Agent.

 

     

Applicable Margin

   

Applicable Margin

 

Level

Historical Excess Availability

 

for SOFR Loans

   

for Base Rate Loans

 

I

Greater than or equal to 66.66%

  1.75%     0.75%  

II

Less than 66.66%, but greater than or equal to 33.33%

  2.00%     1.00%  

III

Less than 33.33%

  2.25%     1.25%  

 

The 2023 ABL Facility also requires the Company and its restricted subsidiaries to maintain a fixed charge coverage ratio of at least 1.00 to 1.00 as of the end of any four consecutive fiscal quarters if excess availability is less than the greater of (a) 12.5% of the line cap and (b) $9.4 million, at any time and continuing until excess availability is equal to or exceeds the greater of (i) 12.5% of the line and (ii) $9.4 million for thirty (30) consecutive calendar days with the $9.4 million level automatically increased in proportion to the amount of any increase in the aggregate revolving credit commitments thereunder in connection with any incremental facility.

 

The 2023 ABL Facility will mature on the earlier of (x) November 7, 2027 and (y) the date that is 91 days prior to the maturity date of any material debt of the ABL Borrower or the Company or any of its restricted subsidiaries (subject to customary extensions agreed by the lenders thereunder); provided that clause (y) will not apply to the extent that on any applicable date of determination (on any date prior to the date set forth in clause (y)), (A) the sum of (x) cash that is held in escrow for the repayment of such material debt pursuant to arrangements satisfactory to the Administrative Agent, (y) cash that is held in accounts with the Administrative Agent and/or the Additional Collateral Agent, plus (z) excess availability, is sufficient to repay such material debt and (B) the ABL Borrower has excess availability of at least $15.0 million after giving effect to such repayment of material debt, including any borrowings under the commitments in connection therewith.

 

The Company has not drawn any borrowings under the 2023 ABL Facility but has letters of credit of approximately $2.3 million outstanding under the facility and has an available balance of $72.6 million based on the borrowing base as of March 31, 2026.

 

The Company incurred debt issuance costs attributable to the 2023 ABL Facility of $2.6 million which are amortized to interest expense using the straight-line method over the expected life of the 2023 ABL Facility.

 

 

36

 

Additional Information with Respect to Unrestricted Subsidiaries

 

Under the terms of the 2032 Notes, and the 2026 Notes that were redeemed with proceeds from the February 2025 issuance of the 2032 Notes, the Company designated certain of its subsidiaries as “Unrestricted Subsidiaries”, including Interchange Partners LLC and Intrepid Brands, LLC. The Company is required under the terms of the indenture governing the 2032 Notes to present additional information that reflects the financial condition and results of operations of the Company and its Restricted Subsidiaries separate from the financial condition and results of operations of the Company’s Unrestricted Subsidiaries as of and for the periods presented. This additional information is presented below. 

 

Income Statements for the three months ended March 31, 2026 and 2025 (unaudited):

 

   

Three Months Ended March 31,

 
   

2026

   

2025

 
   

Company and

                   

Company and

                 
   

Restricted

   

Unrestricted

           

Restricted

   

Unrestricted

         
   

Subsidiaries

   

Subsidiaries

   

Consolidated

   

Subsidiaries

   

Subsidiaries

   

Consolidated

 

Net sales

  $ 88,031     $ 36,247     $ 124,278     $ 92,326     $ 14,110     $ 106,436  

Cost of sales

    41,344       14,639       55,983       40,841       5,985       46,826  

Gross profit

    46,687       21,608       68,295       51,485       8,125       59,610  

Selling, general, and administrative expenses

    39,062       16,749       55,811       32,034       4,387       36,421  

Operating income

    7,625       4,859       12,484       19,451       3,738       23,189  

Other expense, net

    -       63       63       -       -       -  

Interest expense (income), net

    4,847       (424 )     4,423       4,603       (189 )     4,414  

Investment (gain) loss

    (274 )     123       (151 )     (301 )     160       (141 )

Loss on extinguishment of debt

    -       -       -       1,235       -       1,235  

Income from equity method investment

    (2,851 )     (132 )     (2,983 )     -       (150 )     (150 )

Income before income taxes

    5,903       5,229       11,132       13,914       3,917       17,831  

Income tax (benefit) expense

    (1,490 )     (1,320 )     (2,810 )     1,592       448       2,040  

Consolidated net income

    7,393       6,549       13,942       12,322       3,469       15,791  

Net income (loss) attributable to non-controlling interest

    (72 )     2,347       2,275       (321 )     1,717       1,396  

Net income attributable to Turning Point Brands, Inc.

  $ 7,465     $ 4,202     $ 11,667     $ 12,643     $ 1,752     $ 14,395  

   

37

 

Balance Sheet as of March 31, 2026 (unaudited):

 

   

Company and

                         
   

Restricted

   

Unrestricted

                 
   

Subsidiaries

   

Subsidiaries

   

Eliminations

   

Consolidated

 

ASSETS

                               

Current assets:

                               

Cash

  $ 156,040     $ 36,399     $ -     $ 192,439  

Accounts receivable, net

    22,915       4,558       -       27,473  

Inventories

    122,978       6,602       -       129,580  

Other current assets

    64,141       4,571       -       68,712  

Total current assets

    366,074       52,130       -       418,204  

Property, plant, and equipment, net

    40,336       248       -       40,584  

Right of use assets

    15,409       -       -       15,409  

Deferred financing costs, net

    1,019       -       -       1,019  

Goodwill

    135,974       -       -       135,974  

Other intangible assets, net

    63,731       -       -       63,731  

Master Settlement Agreement (MSA) escrow deposits

    29,786       -       -       29,786  

Other assets

    51,488       15,902       -       67,390  

Investment in unrestricted subsidiaries

    -       13,416       (13,416 )     -  

Total assets

  $ 703,817     $ 81,696     $ (13,416 )   $ 772,097  
                                 

LIABILITIES AND STOCKHOLDERS’ EQUITY

                               

Current liabilities:

                               

Accounts payable

  $ 31,992     $ 3,897     $ -     $ 35,889  

Accrued liabilities

    (4,616 )     40,010       -       35,394  

Total current liabilities

    27,376       43,907       -       71,283  

Deferred tax liabilities, net

    8,363       -       -       8,363  

Notes payable and long-term debt

    293,885       -       -       293,885  

Other long-term liabilities

    2,034       -       -       2,034  

Lease liabilities

    11,043       -       -       11,043  

Total liabilities

    342,701       43,907       -       386,608  
                                 

Commitments and contingencies

                               
                                 

Stockholders’ equity:

                               

Total Turning Point Brands, Inc. Stockholders’ Equity/Net parent investment in unrestricted subsidiaries

    360,055       19,124       (13,416 )     365,763  

Non-controlling interest

    1,061       18,665       -       19,726  

Total stockholders’ equity

    361,116       37,789       (13,416 )     385,489  

Total liabilities and stockholders’ equity

  $ 703,817     $ 81,696     $ (13,416 )   $ 772,097  

   

38

 

Balance Sheet as of December 31, 2025:

 

   

Company and

                         
   

Restricted

   

Unrestricted

                 
   

Subsidiaries

   

Subsidiaries

   

Eliminations

   

Consolidated

 

ASSETS

                               

Current assets:

                               

Cash

  $ 179,344     $ 43,416     $ -     $ 222,760  

Accounts receivable, net

    23,335       2,391       -       25,726  

Inventories, net

    103,408       4,581       -       107,989  

Other current assets

    55,515       5,160       -       60,675  

Total current assets

    361,602       55,548       -       417,150  

Property, plant, and equipment, net

    36,107       140       -       36,247  

Right of use assets

    14,480       -       -       14,480  

Deferred financing costs, net

    1,180       -       -       1,180  

Goodwill

    136,097       -       -       136,097  

Other intangible assets, net

    64,042       -       -       64,042  

Master Settlement Agreement (MSA) escrow deposits

    29,887       -       -       29,887  

Other assets

    48,810       15,857       -       64,667  

Investment in unrestricted subsidiaries

    -       11,069       (11,069 )     -  

Total assets

  $ 692,205     $ 82,614     $ (11,069 )   $ 763,750  
                                 

LIABILITIES AND STOCKHOLDERS’ EQUITY

                               

Current liabilities:

                               

Accounts payable

  $ 11,857     $ 8,563     $ -     $ 20,420  

Accrued liabilities

    10,651       43,936       -       54,587  

Total current liabilities

    22,508       52,499       -       75,007  

Deferred tax liabilities, net

    8,289       -       -       8,289  

Notes payable and long-term debt

    293,625       -       -       293,625  

Other long-term liabilities

    4,138       -       -       4,138  

Lease liabilities

    10,708       -       -       10,708  

Total liabilities

    339,268       52,499       -       391,767  
                                 

Commitments and contingencies

                               
                                 

Stockholders’ equity:

                               

Total Turning Point Brands, Inc. Stockholders’ Equity/Net parent investment in unrestricted subsidiaries

    351,576       13,797       (11,069 )     354,304  

Non-controlling interest

    1,361       16,318       -       17,679  

Total stockholders’ equity

    352,937       30,115       (11,069 )     371,983  

Total liabilities and stockholders’ equity

  $ 692,205     $ 82,614     $ (11,069 )   $ 763,750  

 

Off-balance Sheet Arrangements

 

At March 31, 2026 and December 31, 2025 we had no foreign currency contracts outstanding. 

 

Inflation

 

Inflation has a substantial negative effect on the purchasing power of consumers. While historically, we have been able to increase prices at a rate equal to or greater than that of inflation, doing so could be difficult in an inflationary environment. However, we have implemented price increases in areas where doing so has been feasible. In addition, we have been able to maintain a relatively stable variable cost structure for our products due, in part, to our existing contractual agreements for the purchases of tobacco and our premium cigarette rolling papers.

 

39

 

Item 3. Quantitative and Qualitative Disclosures about Market Risk

 

Foreign Currency Sensitivity

 

During the three months ended March 31, 2026, there have been no material changes in our exposure to exchange rate fluctuation risk, as reported within our 2025 Annual Report on Form 10-K. Please refer to our ‘Quantitative and Qualitative Disclosures about Market Risk’ included in our 2025 Annual Report on Form 10-K filed with the SEC.

 

Credit Risk

 

During the three months ended March 31, 2026, there have been no material changes in our exposure to credit risk, as reported within our 2025 Annual Report on Form 10-K. Please refer to our ‘Quantitative and Qualitative Disclosures about Market Risk’ included in our 2025 Annual Report on Form 10-K filed with the SEC.

 

Interest Rate Sensitivity

 

In February 2025, we issued the 2032 Notes in an aggregate principal amount of $300.0 million. We carry the 2032 Notes at face value. Since the 2032 Notes bear interest at a fixed rate, we have no financial statement risk associated with changes in interest rates. Our remaining debt instrument is the 2023 ABL Facility, which as of March 31, 2026 and the filing date of this report had no borrowings outstanding.

 

Item 4. Controls and Procedures

 

Our management, with the participation of our Chief Executive Officer and Chief Financial Officer, is responsible for establishing and maintaining adequate internal control over financial reporting as defined in Rules 13a-15(f) and 15d-15(f) under the Securities Act. Our internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the preparation of our consolidated financial statements for external reporting purposes in accordance with GAAP. Our internal control over financial reporting includes policies and procedures that: (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of our assets; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of consolidated financial statements in accordance with GAAP; (3) provide reasonable assurance that our receipts and expenditures are being made only in accordance with authorizations of our management and directors; and (4) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of our assets that could have a material effect on the consolidated financial statements.

 

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

Our management, with the participation of our Chief Executive Officer and Chief Financial Officer, conducted an assessment of the effectiveness of internal control over financial reporting as of December 31, 2025 based on the 2013 Internal Control — Integrated Framework (the “COSO Framework”) issued by the Committee of Sponsoring Organizations (COSO). Based on this assessment under the COSO Framework, our management has concluded that our internal control over financial reporting was effective as of December 31, 2025.

 

Changes in Internal Controls over Financial Reporting

 

There were no changes in the Company’s internal controls over financial reporting during the quarter ended March 31, 2026 that have materially affected, or are reasonably likely to materially affect, the Company’s internal control over financial reporting.

   

40

 

 

PART IIOTHER INFORMATION

 

Item 1. Legal Proceedings

 

See “Risk Factors—We are subject to significant product liability litigation” in our 2025 Annual Report on Form 10-K for additional details.

 

Item 1A. Risk Factors

 

In addition to the other information set forth in this report, carefully consider the factors discussed in the ‘Risk Factors’ section contained in our 2025 Annual Report on Form 10-K. There have been no material changes to the Risk Factors set forth in the 2025 Annual Report on Form 10-K.

 

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

 

On February 25, 2020, the Company’s Board of Directors approved a $50.0 million share repurchase program, which is intended for opportunistic execution based upon a variety of factors including market dynamics. On October 25, 2021, the Board of Directors increased the approved share repurchase program by $30.7 million, and by an additional $24.6 million on February 24, 2022. On November 6, 2024, the Company's Board of Directors increased the Company’s share repurchase authorization by $77.9 million to an aggregate amount of $100.0 million. On November 4, 2025, the Company's Board of Directors increased the share repurchase authorization by $100.0 million to an aggregate amount of $200.0 million. As of March 31, 2026, there remains $200.0 million in authority to repurchase shares under the plan. This share repurchase program has no expiration date and is subject to the ongoing discretion of the Board of Directors. All repurchases to date under our stock repurchase programs have been made through open market transactions, but in the future, we may also purchase shares through privately negotiated transactions or 10b5-1 repurchase plans.

 

The following table includes information regarding purchases of our common stock made by us during the three months ended March 31, 2026 in connection with the repurchase program described above.

 

 

                   

Total Number of

   

Approximate Dollar

 
                   

Shares Purchased

   

Value of Shares

 
   

Total Number

   

Average

   

as Part of Publicly

   

that May Yet Be

 
   

of Shares

   

Price Paid

   

Announced Plans

   

Purchased Under the

 

Period

 

Purchased (1)

   

per Share

   

or Programs

   

Plans or Programs

 

January 1 to January 31

    3,011     $ 110.24       -     $ 200,000,000  

February 1 to February 28

    -     $ -       -     $ 200,000,000  

March 1 to March 31

    9,330     $ 108.51       -     $ 200,000,000  

Total

    12,341               -          

 

(1) The total number of shares purchased consists of shares withheld by the Company to satisfy statutory tax withholdings for holders who vested in stock-based awards, which totaled 3,011 shares in January and 9,330 shares in March. Shares withheld by the Company to cover statutory withholdings taxes are repurchased pursuant to the terms of the applicable plan and not under the Company's share repurchase program authorization.

 

 

Item 3.  Defaults Upon Senior Securities

 

Not applicable.

 

Item 4.   Mine Safety Disclosures

 

Not applicable.

 

Item 5. Other Information

 

Not applicable.

 

 

41

 

Item 6.   Exhibits

 

Exhibit No.

Description

   

31.1

Rule 13a-14(a)/15d-14(a) Certification of Graham Purdy.*

   

31.2

Rule 13a-14(a)/15d-14(a) Certification of Andrew Flynn.*

   

31.3

Rule 13a-14(a)/15d-14(a) Certification of Brian Wigginton.*

   

32.1

Section 1350 Certifications pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.*

   

101

XBRL (eXtensible Business Reporting Language). The following materials from Turning Point Brands, Inc.’s Quarterly Report on Form 10-Q for the quarter ended March 31, 2026, filed on May 8, 2026, formatted in Inline XBRL (iXBRL): (i) consolidated balance sheets, (ii) consolidated statements of income, (iii) consolidated statements of comprehensive income, (iv) consolidated statements of cash flows, and (v) the notes to consolidated financial statements.*

   

104

Cover Page Interactive Data File (formatted in iXBRL and included in Exhibit 101).*

 

*

Filed or furnished herewith

 

42

 

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.

 

 

TURNING POINT BRANDS, INC.

     
   

By: /s/ Graham Purdy

   

Name:

Graham Purdy

          

Title: President and Chief Executive Officer

       

 

   

By: /s/ Andrew Flynn

   

Name:

Andrew Flynn

     

Title: Chief Financial Officer

       

 

   

By:  /s/ Brian Wigginton

   

Name:

Brian Wigginton

     

Title: Chief Accounting Officer

 

Date:  May 8, 2026

 

43

FAQ

How did Turning Point Brands (TPB) perform financially in Q1 2026?

Turning Point Brands grew net sales to $124.3 million in Q1 2026, up 16.8% year over year. Operating income fell to $12.5 million as selling and marketing costs increased, and net income attributable to TPB declined to $11.7 million with diluted EPS of $0.60.

How did Zig-Zag and Stoker’s segments contribute to TPB’s Q1 2026 results?

In Q1 2026, Zig-Zag products net sales fell 22.4% to $36.7 million, mainly from lower U.S. papers, wraps, lighters and Canadian sales. Stoker’s products net sales rose 48.1% to $87.6 million, driven largely by $29.7 million growth in modern oral products.

What was Turning Point Brands’ cash and debt position at March 31, 2026?

At March 31, 2026, TPB reported $192.4 million in unrestricted cash and $300.0 million of 7.625% Senior Secured Notes due 2032. The company also had an undrawn $75.0 million asset-backed revolving credit facility, with about $72.6 million available after outstanding letters of credit.

Why did TPB’s operating cash flow turn negative in Q1 2026?

Operating cash flow was a $22.3 million outflow in Q1 2026, compared with a $17.4 million inflow a year earlier. The change was mainly due to higher inventories, increased other current assets, and lower accrued liabilities, partially offset by higher accounts payable and non-cash expenses.

How did the effective tax rate affect TPB’s Q1 2026 earnings?

TPB recorded a tax benefit of $2.8 million, an effective rate of -25.2% of pre-tax income for Q1 2026. This reflects permanent differences linked to equity compensation and a $2.4 million release of valuation allowance on state net operating losses and other deferred tax assets.

What is the impact of the IEEPA tariff ruling on Turning Point Brands?

The U.S. Supreme Court’s IEEPA tariff ruling covers about $17.9 million of tariffs TPB has paid. The Court of International Trade ordered refunds, but administrative and legal processes are evolving, and potential recovery amounts are uncertain, so TPB has not recorded any related asset or income.

How significant are modern oral products to TPB’s growth?

Modern oral products are a key growth driver within the Stoker’s segment. In Q1 2026, Stoker’s net sales rose 48.1%, primarily from $29.7 million of growth in modern oral products, contributing to higher consolidated net sales despite margin pressure from associated selling and marketing investments.