Recent 8-K filings for REFI

• May 7, 2026, 7:59 PM ET earnings materiality 0.75 negative item 2.02item 7.01item 9.01 ◈ Earnings Releases

  Chicago Atlantic Q1 net income $4.8M ($0.23/share) vs $10M a year ago; provision spikes

  Net interest income $13.1M flat YoY; net income fell 52% to $4.8M ($0.23 diluted EPS).

• March 12, 2026, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01

  Chicago Atlantic Q4 net income $8.16M ($0.38/shr); distributable earnings $0.44/shr

  Net interest income Q4 $14.24M vs $13.69M Q3; net income $8.16M ($0.38/shr) vs $8.93M ($0.42) Q3.

• November 4, 2025, 6:59 PM ET earnings materiality 0.55 neutral item 2.02item 7.01item 9.01

  Chicago Atlantic Q3 2025 net income $0.42/sh, down 25% YoY; portfolio grows to $400M

  Net interest income $13.7M, down from $14.5M in Q3 2024; net income $8.9M ($0.42/sh).

• August 7, 2025, 7:59 PM ET earnings materiality 0.65 neutral item 1.01item 2.02item 2.03item 7.01item 9.01 ◈ Debt Financings

  Chicago Atlantic Q2 distributable EPS $0.51; extends credit facility to 2028

  Net income $8.88M ($0.41 diluted); distributable earnings $10.85M ($0.51) vs $9.93M ($0.50) YoY.

• June 23, 2025, 7:59 PM ET other material materiality 0.15 neutral item 5.07item 9.01

  Shareholders elect seven directors and ratify BDO USA as auditor at annual meeting

  All seven director nominees elected; John Mazarakis received 7,539,827 for, 1,063,174 withheld; others had similar margins.

• May 7, 2025, 7:59 PM ET earnings materiality 0.55 neutral item 2.02item 7.01item 9.01

  REFI Q1 net income $10.0M ($0.47 diluted); book value $14.87, dividend $0.47

  Net income $10.0M ($0.47 diluted), up 20.5% sequentially; distributable earnings $9.7M.

• March 18, 2025, 7:59 PM ET other material materiality 0.50 neutral item 1.01item 9.01

  Chicago Atlantic raises ATM offering to $100M, cuts sales agent commission to 2%

  New at-the-market sales agreements increase aggregate offering size from $75M to $100M.

• March 12, 2025, 7:59 PM ET earnings materiality 0.65 negative item 2.02item 7.01item 9.01

  Chicago Atlantic Q4 net income $7.9M; FY distributable earnings $40M, down 10.5% YoY

  Q4 net interest income $14.1M, net income $7.9M ($0.39 diluted); distributable earnings $9.2M ($0.47 basic).

• December 30, 2024, 6:59 PM ET leadership materiality 0.20 neutral item 5.02

  Andreas Bodmeier resigns from board effective Jan 1, 2025; stays as President and CIO

  Resignation effective Jan 1, 2025 to ensure board remains majority independent per Nasdaq Rule 5605(b).

• December 16, 2024, 6:59 PM ET leadership materiality 0.20 neutral item 5.02

  Director Donald Gulbrandsen resigns from board effective Jan 1, 2025; no disagreement

  Donald Gulbrandsen notified board of resignation on Dec 11, 2024, effective Jan 1, 2025.

• November 7, 2024, 6:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01

  Chicago Atlantic Q3 net income $11.2M ($0.56/sh), up 22% QoQ per share; $50M unsecured note

  Net income of $11.2M ($0.56 diluted EPS) vs $9.2M ($0.46) in Q2 2024, a 21.7% per-share increase.

• October 23, 2024, 7:59 PM ET debt materiality 0.65 neutral item 1.01item 2.03item 9.01

  Chicago Atlantic closes $50M unsecured term loan at 9.0%, rated BBB+ by Egan-Jones

  Entered into $50M unsecured term loan maturing Oct 2028; fixed cash interest rate of 9.0% per annum.

• August 7, 2024, 7:59 PM ET earnings materiality 0.65 neutral item 2.02item 7.01item 9.01

  Chicago Atlantic Q2 net income $9.2M ($0.46 EPS); distributable earnings $0.50/sh

  Net interest income $13.2M; net income $9.2M ($0.46 diluted EPS); distributable earnings $9.8M ($0.50/sh).

• June 20, 2024, 7:59 PM ET other material materiality 0.15 neutral item 5.07item 9.01

  Annual meeting elects nine directors; three receive >30% withhold votes

  Shareholders elected nine directors to serve until 2025; all nominees received majority 'for' votes.

• May 7, 2024, 7:59 PM ET earnings materiality 0.60 positive item 2.02item 7.01item 9.01 ◈ Earnings Releases

  REFI Q1 net income $8.7M ($0.47/share); distributable earnings $0.52/share; portfolio yield 19.4%

  Net interest income $13.2M; net income $8.7M ($0.47 diluted EPS); distributable earnings $9.7M ($0.52).

• March 12, 2024, 7:59 PM ET earnings materiality 0.70 positive item 2.02item 7.01item 9.01 ◈ Earnings Releases ×2

  Chicago Atlantic Q4 net income $0.51 EPS, down 5.8% seq; FY distributable earnings up 7.6%; promotes Co-CEO and CFO

  Q4 net income $9.4M ($0.51 diluted EPS); sequential decrease of 5.8% due to higher management fees.

• February 29, 2024, 6:59 PM ET debt materiality 0.50 positive item 1.01item 2.03item 9.01 ◈ Debt Financings◈ Material Agreements

  REFI extends credit facility maturity to June 2026, ups accordion to $150M

  Fifth Amended and Restated LSA extends maturity from Dec 16, 2024 to June 30, 2026.

Earnings & guidance

Materiality & sentiment trend

Max materiality 0.75 · Median 0.60 · Most common event earnings

5 positive 2 negative 10 neutral

source · REFI on sec.gov