UNITED STATES SECURITIES AND EXCHANGE COMMISSION Indicate by check mark if the Registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ☐ No ☑ Indicate by check mark if the Registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act. Yes ☐ No ☑ 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 ( ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 29, 2022 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 1-31340 THE CATO CORPORATION (Exact name of registrant as specified in its charter) Delaware 56-0484485 (St ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended July 30, 2022 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 1-31340 THE CATO CORPORATION (Exact name of registrant as specified in its charter) Delaware 56-0484485 (State ...

UNITED STATES SECURITIES AND EXCHANGECOMMISSION Washington, D.C.20549 FORM 10-Q ☑ QUARTERLY REPORT PURSUANTTO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934 For the quarterlyperiod endedApril 30, 2022 OR ☐ TRANSITIONREPORT PURSUANTTO SECTION 13 OR 15(d)OF THE SECURITIESEXCHANGE ACT OF 1934 For the transitionperiod from________________to__________________ Commissionfile number 1-31340 | --- | --- | --- | --- | |---------------------------------------------------|------------------------------------ ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 29, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-31340 The Cato Corporation Registrant Delaware 56-0484485 State of Incorporation I.R.S. Employer Identification Number 8100 Denmark Road Charlotte, North Carolina 28273-5975 Address ...

Sales Performance - Total retail sales for the third quarter of fiscal 2021 were $170.5 million, a 14% increase from $149.2 million in the same period last year[81]. - For the nine months ended October 30, 2021, total retail sales reached $587.7 million, a 42% increase compared to $414.3 million for the same period in the previous year[82]. - Same-store sales increased by 14% in the third quarter and 41% for the nine months ended October 30, 2021, primarily due to stores being open compared to limited hours in the prior year[81][82]. Cost and Expenses - Cost of goods sold was $104.2 million, or 61.1% of retail sales for the third quarter, down from 73.3% in the same period last year[85]. - Gross margin dollars increased by 66.6% to $66.3 million for the third quarter and by 175.9% to $244.2 million for the first nine months of fiscal 2021[85]. - Selling, general and administrative expenses were $62.5 million, or 36.6% of retail sales for the third quarter, compared to $51.9 million, or 34.8% in the prior year[87]. - Depreciation expense was $3.2 million, or 1.9% of retail sales for the third quarter, down from $3.6 million, or 2.4% in the same period last year[88]. Store Operations - The company operated 1,324 stores at October 30, 2021, compared to 1,347 stores at the end of the previous year's third quarter[82]. - The company expects to open fewer than 10 stores and close approximately 25 stores in fiscal 2021[82]. Impact of COVID-19 - The ongoing COVID-19 pandemic continues to impact sales and operations, with uncertainties affecting consumer confidence and supply chain disruptions[78][80]. Income and Tax - Interest and other income decreased to $0.5 million (0.3% of retail sales) for the three months ended October 30, 2021, down from $0.8 million (0.5% of retail sales) in the same period of fiscal 2020[89]. - Income tax benefit for the third quarter was $5.7 million, compared to $9.7 million in the same quarter of fiscal 2020, with an effective tax rate of 4.3% for the first nine months of fiscal 2021 versus 36.7% in 2020[90]. Cash Flow and Working Capital - Cash provided by operating activities increased to $79.4 million in the first nine months of fiscal 2021, compared to a cash outflow of $26.1 million in the same period of fiscal 2020, reflecting a $105.5 million improvement[92]. - Working capital rose to $147.4 million as of October 30, 2021, from $108.6 million at January 30, 2021, primarily due to higher inventory and accounts receivable[93]. Financing and Investments - The company had an unsecured revolving credit agreement allowing borrowings of up to $35.0 million, with no borrowings outstanding as of October 30, 2021[94]. - Capital expenditures totaled $1.8 million in the first nine months of fiscal 2021, significantly lower than $11.2 million in the same period last year, with an expected total of approximately $4.1 million for the full fiscal year[95]. - Net cash used in investing activities was $51.3 million in the first nine months of fiscal 2021, compared to $57.9 million provided in the same period of 2020[96]. - Net cash used in financing activities decreased to $21.3 million in the first nine months of fiscal 2021 from $24.3 million in the comparable period of fiscal 2020, primarily due to lower dividends and stock repurchases[97]. - The company maintained a quarterly dividend of $0.17 per share as of November 18, 2021[99]. - The investment portfolio primarily consists of corporate bonds and government debt securities rated A or better, with maturities ranging from two days to five years[101].

Sales Performance - Total retail sales for the second quarter of fiscal 2021 were $206.0 million, a 24% increase from $166.3 million in the same period last year[81]. - Same-store sales increased by 23% in the second quarter of fiscal 2021, primarily due to stores being open compared to closures in the prior year[81]. - For the six months ended July 31, 2021, total retail sales reached $417.2 million, a 57% increase from $265.1 million in the same period last year[81]. Cost and Expenses - Cost of goods sold for the second quarter was $115.6 million, or 56.1% of retail sales, down from 79.8% in the same quarter of fiscal 2020[85]. - Selling, general and administrative expenses (SG&A) were $71.0 million, or 34.5% of retail sales, compared to $44.0 million, or 26.4% of retail sales in the same quarter last year[86]. Profitability - Gross margin dollars increased by 169.9% to $90.4 million for the second quarter of fiscal 2021, compared to $33.5 million in the prior year[85]. - Net income for the second quarter of fiscal 2021 was $14.0 million, compared to a net loss of $7.2 million in the same quarter of fiscal 2020[77]. - Income tax expense increased to $4.6 million for the second quarter of fiscal 2021, compared to an income tax benefit of $3.9 million in the same quarter of fiscal 2020, reflecting a change in effective tax rate from 26.7% (benefit) to 18.0% (expense)[90]. Store Operations - The company operated 1,325 stores at July 31, 2021, a decrease from 1,333 stores at the end of the previous year's second quarter[82]. - The company expects to open fewer than 10 stores and close approximately 25 stores in fiscal 2021[82]. Cash Flow and Working Capital - Cash provided by operating activities was $82.0 million in the first six months of fiscal 2021, a significant increase of $130.2 million compared to a cash outflow of $48.2 million in the same period of fiscal 2020[92]. - Working capital increased to $148.2 million as of July 31, 2021, up from $108.6 million at January 30, 2021, primarily due to higher short-term investments[93]. Financing and Investments - Interest and other income decreased to $0.5 million (0.3% of retail sales) for the first six months of fiscal 2021, down from $1.0 million (0.6% of retail sales) in the same period of fiscal 2020[89]. - Capital expenditures totaled $1.1 million in the first six months of fiscal 2021, a decrease from $9.8 million in the same period of the previous fiscal year[96]. - Net cash used by investing activities was $64.9 million in the first six months of fiscal 2021, compared to $91.0 million provided in the same period of fiscal 2020[97]. - Net cash used in financing activities decreased to $8.8 million in the first six months of fiscal 2021, down from $17.6 million in the comparable period of fiscal 2020[98]. Share Repurchase and Financial Management - As of July 31, 2021, the company had 1,380,779 shares remaining in open authorizations under its share repurchase program[99]. - The company does not use derivative financial instruments, indicating a conservative approach to financial risk management[100].

Financial Performance - Total retail sales for the first quarter of fiscal 2021 were $211.2 million, a 111.0% increase compared to $98.8 million in the first quarter of fiscal 2020[95] - Cost of goods sold was $123.7 million, or 58.5% of retail sales, down from $83.6 million, or 84.6% of retail sales in the first quarter of fiscal 2020[99] - Gross margin increased by 475.4% to $87.6 million for the first quarter of fiscal 2021 compared to $15.2 million in the first quarter of fiscal 2020[99] - Net income for the first quarter of fiscal 2021 was $20.7 million, compared to a net loss of $28.4 million in the first quarter of fiscal 2020[90] Expenses and Costs - Selling, general and administrative expenses (SG&A) were 29.9% of retail sales for the first quarter of fiscal 2021, down from 53.1% in the first quarter of fiscal 2020[100] - The effective income tax rate for the first quarter of fiscal 2021 was 12.9%, compared to a benefit of 24.3% in the first quarter of fiscal 2020[104] Store Operations - The Company operated 1,325 stores at May 1, 2021, compared to 1,300 stores at the end of the first quarter of fiscal 2020[96] - The Company expects to close approximately 25 stores in fiscal 2021[96] Cash Flow and Working Capital - Cash provided by operating activities for the first three months of fiscal 2021 increased by $115.8 million compared to the first three months of fiscal 2020, primarily due to net income versus a net loss[106] - Working capital increased to $130.5 million at May 1, 2021, compared to $108.6 million at January 30, 2021[107] Capital Expenditures and Investments - Capital expenditures totaled $0.6 million in the first three months of fiscal 2021, down from $5.3 million in the same period last year, with an expected total of approximately $3.1 million for the full fiscal year[109] - Net cash used by investing activities was $34.2 million in the first three months of fiscal 2021, compared to $76.9 million provided in the same period of fiscal 2020, primarily due to a decrease in the sale of short-term investments[110] Financing Activities - Net cash used by financing activities totaled $5.5 million in the first three months of fiscal 2021, down from $12.4 million in the comparable period of fiscal 2020, mainly due to a decrease in proceeds from the line of credit[111] Shareholder Returns - The Board of Directors declared a quarterly dividend of $0.11 per share on May 20, 2021[112] - As of May 1, 2021, the company had 1,445,488 shares remaining in open authorizations under its share repurchase program[114] Investment Portfolio - The investment portfolio was primarily in corporate bonds and government debt securities with underlying ratings of A or better, with maturities ranging from 4 days to 4.5 years for corporate bonds[116] - At May 1, 2021, the company held $0.8 million in corporate equities and $11.6 million in deferred compensation plan assets[117] - The company does not believe its exposure to market rate risk from interest rate changes is material[120]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 10-K ☑ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended January 30, 2021 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Commission File Number 1-31340 The Cato Corporation Registrant Delaware 56-0484485 State of Incorporation I.R.S. Employer Identification Number 8100 Denmark Road Charlotte, North Carolina 28273-5975 Address ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended October 31, 2020 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 1-31340 THE CATO CORPORATION (Exact name of registrant as specified in its charter) Delaware 56-0484485 (St ...