Core Insights - A significant 46% year-over-year increase in farm bankruptcies indicates growing financial stress in the agricultural sector, driven by high interest rates and rising debt servicing costs [1][4][28] - The agricultural sector is foundational to the economy, influencing freight demand across various layers, and any slowdown or consolidation in agriculture will have broader implications for freight markets [2][5][28] Agricultural Financial Stress - Farm bankruptcies have surged sharply in 2025, raising concerns among agricultural leaders about the sustainability of financial models under current economic pressures, including input costs and commodity price volatility [4][28] - High input costs, such as fuel and fertilizer, combined with softening output prices, are compressing margins for farmers, which can lead to reduced freight availability [6][12] Impact on Freight Markets - Consolidation in agriculture may shift production towards larger operations, altering logistics behavior and potentially reducing independent shipping relationships for small carriers [7][8] - Seasonal patterns in agricultural freight are sensitive to financial stress, which can lead to reduced planting, delayed capital investments, and lower throughput at processing facilities [11][12] Trade and Export Dynamics - American agriculture's integration into global trade means that export demand significantly influences domestic prices and production planning; trade disputes and tariff uncertainties can exacerbate financial stress [13][14] - Regions reliant on bulk grain movements to ports may experience variability in throughput, affecting trucking demand tied to these export-sensitive areas [14] Equipment and Secondary Effects - Financial stress in agriculture impacts demand for farm equipment, leading to slower freight for equipment manufacturers and affecting related sectors [15][16] - Declines in agricultural profitability can also have ripple effects on rural construction and infrastructure projects [16] Psychological Factors and Market Sentiment - Market sentiment plays a crucial role; negative media coverage about agricultural stability can tighten credit standards and lead to more conservative production strategies among producers [20][21] - Small carriers must be vigilant about agricultural fundamentals to avoid being caught off guard by unexpected freight softness [21][22] Monitoring Indicators - Key indicators for carriers to watch include farm income projections, bankruptcy filing trends, commodity price futures, and export shipment volumes, as these can signal changes in freight demand [25][22] - The agricultural sector's financial health is critical for maintaining freight stability; if financial stress deepens, trucking markets may face additional pressures [26][28] Strategic Considerations for Carriers - Carriers should consider diversifying freight portfolios, strengthening direct shipper relationships, and adjusting capital expenditures cautiously in response to agricultural market conditions [31][27] - Understanding upstream economic signals related to agriculture is essential for carriers operating in agricultural corridors to navigate potential challenges effectively [29][28]

Core Viewpoint - Adecoagro S.A. is recognized as a leading agricultural company in South America, focusing on sustainable farming practices and efficient resource use [1] Group 1: Company Overview - Adecoagro operates primarily in Argentina, Brazil, and Uruguay, producing a diverse range of agricultural products including crops, dairy, and sugar [1] - The company competes with major agricultural firms in the region such as BrasilAgro and SLC Agricola [1] Group 2: Stock Performance and Ratings - On February 16, 2026, Citigroup initiated coverage on Adecoagro with a "Buy" rating, setting the stock price at $8.65 [2][5] - Zacks Investment Research also supports a positive outlook, assigning Adecoagro a Zacks Rank 1, indicating a "Strong Buy," and an "A" grade in the Value category [2][5] - The current stock price remains at $8.65, reflecting a slight decrease of 0.23% with a change of $0.02 [3] - Over the past year, the stock has fluctuated between a high of $11.79 and a low of $6.89, indicating potential for growth [3] Group 3: Market Capitalization and Trading Volume - Adecoagro's market capitalization is approximately $4.33 billion [3][5] - The trading volume on the NYSE is 359,257 shares, suggesting a moderate level of investor interest [4]

As filed with the Securities and Exchange Commission on January 23, 2026 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORMS-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 LENDWAY,INC. (Exact name of registrant as specified in its charter) Delaware 0100 41-1656308 (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) 5000 West 36th Street, Suite 220, Minneapolis, Minnesota 55416 (763) 392-6200 (Address, In ...

As filed with the Securities and Exchange Commission on January 23, 2026 Registration No. 333- UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D. C. 20549 FORMS-1 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 LENDWAY,INC. (Exact name of registrant as specified in its charter) Delaware 0100 41-1656308 (State or other jurisdiction of incorporation or organization) (Primary Standard Industrial Classification Code Number) (I.R.S. Employer Identification Number) 5000 West 36th Street, Suit ...

Core Viewpoint - Lendway, Inc. is initiating a strategic rights offering aimed at significantly reducing its debt and strengthening its balance sheet, with the potential to decrease overall debt by up to 70% by early summer 2026 [1][2]. Group 1: Rights Offering Details - The rights offering will allow the company to settle a seller's note for a discount exceeding 50% of the current outstanding balance, specifically for $7.3 million, which is expected to yield an $8 million gain and over $1.6 million in annual interest savings [1][3]. - An additional $6.6 million in related party notes will be settled, leading to over $600,000 in annual interest savings [3]. - The total proceeds from the rights offering are projected to be $15.5 million, which will also include funds for strategic investments aimed at reducing operating costs and improving quality [3]. Group 2: Management Commentary - The Chairman and Co-CEO expressed excitement about the future, emphasizing the unique opportunity to retire over $15 million in debt for $7.3 million, which will significantly strengthen the company's balance sheet and boost future earnings potential [2]. - Co-CEO highlighted the potential to reduce debt by as much as $21 million through the rights offering, which is seen as a strategic move to right-size the balance sheet and focus on growth [2]. Group 3: Corporate Name Change - As part of this strategic initiative, the company will change its corporate name to "Bloomia Holdings, Inc." and will begin trading on NASDAQ under the new ticker symbol "TULP" [2].

Core Insights - Nicole Montna Van Vleck has been named Businesswoman of the Year by the Sacramento Metro Chamber of Commerce, highlighting her leadership in agriculture and conservation [1][4] - Van Vleck is the President and CEO of Montna Farms, a significant grower of Japanese short grain specialty rice, and has protected over 4,000 acres through conservation easements [2][3] Company Overview - Montna Farms is a family-owned operation based in Yuba City, California, specializing in Japanese short grain specialty rice [2] - The farm supports over 230 wildlife species annually, demonstrating a commitment to environmental stewardship alongside agricultural practices [2] Leadership and Recognition - Van Vleck has been a board member of River Valley Community Bank since its founding in 2006 and is recognized for her contributions to agriculture and community [3] - She has received multiple honors, including the Sacramento Business Journal's Women Who Mean Business and USA Rice Farmer of the Year [3] Community Impact - Van Vleck emphasizes the importance of agriculture and community banking for regional growth, expressing pride in investing in local communities [4] - The Businesswoman of the Year award recognizes female leaders who contribute to the economic vitality of the Greater Sacramento region [4]

Core Insights - Edible Garden AG Incorporated has expanded its distribution of Pickle Party™, a line of fresh, fermented, Kosher, and Non-GMO pickles and krauts, through Woodman's Markets in the Midwest, enhancing consumer access to clean-label food options [1][2] Company Overview - Edible Garden is a leader in controlled environment agriculture (CEA), providing sustainable, locally grown organic produce through its Zero-Waste Inspired® farming model, available in over 5,000 retail locations across the U.S., Caribbean, and South America [5] - The company operates advanced greenhouses and processing facilities, including locations in Michigan, Iowa, and New Jersey, and collaborates with contract growers to ensure freshness and minimize environmental impact [5] Product Details - Pickle Party is positioned as the world's first functional pickle line, featuring raw, refrigerated, fermented products made using traditional fermentation methods aimed at promoting digestive wellness [3] - The product line includes various flavor profiles, free from artificial preservatives, stabilizers, and added sugars, aligning with the company's commitment to clean-label foods [3] Retail Partnership - Woodman's Markets operates twenty large-format stores in Wisconsin and Illinois, known for its value-driven pricing and high customer traffic, making it an ideal partner for Edible Garden's product offerings [2] - The introduction of Pickle Party at Woodman's supports Edible Garden's strategy to expand its clean-label food portfolio while leveraging established retail relationships for sustainable growth [4] Technology and Innovation - Edible Garden utilizes proprietary GreenThumb 2.0 software to optimize growing conditions and reduce food miles, along with patented Self-Watering displays to enhance product shelf life and in-store presentation [6] - The company holds multiple patents in aquaculture technologies, indicating a commitment to innovation in sustainable farming practices [6]

Core Insights - Taylor Fresh Foods has acquired a 16.3% ownership stake in Pacific Valley Bank, marking a significant minority investment by a family-owned company with deep roots in the Salinas Valley [1][2] - The investment aligns with Pacific Valley Bank's strategy of supporting small and medium-sized businesses, reinforcing its local ownership structure and capital base while maintaining independent governance [2][3] Company Overview - Pacific Valley Bank, founded in 2004, operates as a locally owned community bank with full-service branches in Monterey, King City, and Santa Cruz, and is the only locally owned bank headquartered in Monterey County [4] - Approximately 93% of Pacific Valley Bank's outstanding shares are owned by local individuals, with around 40% held by active directors and officers, promoting continuity in governance and alignment of interests [5] Strategic Alignment - The investment by Taylor Farms supports the bank's focus on serving the local economy, particularly small and medium-sized businesses, and reflects a commitment to disciplined growth [2][3] - Jeff Cook, CFO of Taylor Farms, will join the bank's Board of Directors, bringing valuable financial leadership and expertise in the regional agricultural economy [3]

Financial Data and Key Metrics Changes - For Q4 FY2025, total net revenue was $42.8 million, a decrease from $43.9 million in Q4 FY2024 [15] - Agribusiness revenue was $41.3 million compared to $42.5 million in the same quarter last year [15] - Operating loss for Q4 FY2025 was $11.1 million, compared to an operating loss of $2.8 million in Q4 FY2024 [18] - Net loss applicable to common stock for Q4 FY2025 was $8.8 million, compared to a net loss of $2 million in Q4 FY2024 [18] - For FY2025, total net revenue was $159.7 million, down from $191.5 million in FY2024 [20] - Adjusted EBITDA for FY2025 was a loss of $6.5 million compared to income of $26.7 million in FY2024 [22] Business Line Data and Key Metrics Changes - Fresh packed lemon sales in Q4 FY2025 were $19.2 million, up from $8.4 million in Q4 FY2024, with 821,000 cartons sold at an average price of $23.33 per carton [15] - Avocado revenue in Q4 FY2025 was $300,000, down from $8.9 million in Q4 FY2024, with 396,000 pounds sold at an average price of $0.79 per pound [16] - Orange revenue in Q4 FY2025 was $2.9 million, compared to $1.7 million in Q4 FY2024 [17] - Specialty citrus and other revenues were $2.9 million in Q4 FY2025, down from $3.5 million in Q4 FY2024 [17] Market Data and Key Metrics Changes - The California avocado crop typically experiences alternate years of high and low production, impacting revenue [16] - The company expects fresh lemon volumes of 4-4.5 million cartons and avocado volumes of 5-6 million pounds for FY2026 [24] Company Strategy and Development Direction - The company is transforming its business model by reducing exposure to volatile lemon pricing and expanding into avocados and organic recycling [5][10] - A partnership with Sunkist is expected to generate $10 million in cost savings for FY2026 [6][24] - The company is also focusing on real estate development projects, expecting $155 million in distributions over the next five fiscal years [8] Management's Comments on Operating Environment and Future Outlook - Management highlighted a significant transformation in the business model, moving from a commodity lemon producer to a diversified agricultural and real estate company [11] - The company anticipates improved financial performance in FY2026 due to cost savings and enhanced customer access through the Sunkist partnership [11][24] Other Important Information - The company completed the sale of its Chilean assets for $15 million and is advancing the monetization of other non-strategic assets [9] - Long-term debt as of October 31, 2025, was $72.5 million, up from $40 million at the end of FY2024 [22] Q&A Session Summary Question: Can you provide more details on the $10 million cost savings from the Sunkist partnership? - Management explained that the savings come from reduced sales and marketing costs and improved operational efficiencies, including renegotiated storage contracts [29][30] Question: How does the company plan to monetize its water rights? - Management discussed the complexities of water rights in water-scarce areas and the potential for monetization through conservation and fallowing programs [39][40] Question: What is the outlook for lemon pricing? - Management indicated that lemon prices are expected to stabilize, with a potential average price in the $20 range, depending on market conditions [76][77] Question: What is the company's strategy regarding debt management? - Management emphasized the goal of reducing debt while increasing EBITDA through core operations and asset monetization [80][81]

Core Viewpoint - The article highlights the ongoing "Pioneer for Enrichment" initiative in Siyang County, which focuses on strengthening organizational capabilities and mobilizing support to inject robust momentum into rural revitalization [1] Group 1: Organizational Strengthening - Siyang County emphasizes the empowerment of rural revitalization through party building, conducting over 30 activities such as "Golden Ideas for Rural Revitalization" and "Wealthy Leaders Experience Sharing Meetings" to enhance the wealth-generating capabilities of village party organizations [1] - The implementation of the "Leading Goose Navigation" project in Peiwei Town introduces an innovative training model combining online learning, field observation, and mentorship, with village committees visiting advanced regions over 10 times to improve their skills in wealth generation [1] Group 2: Economic Development - Siyang County promotes the development of unique industrial clusters led by village secretaries, focusing on initiatives like rice-shrimp co-cultivation and ecological farming to realize the goal of strengthening party organizations, thriving industries, and enriching villagers [1] - The county leverages the role of "First Secretaries" at provincial, municipal, and county levels to implement a "one-on-one" precise assistance mechanism, successfully attracting 12 support projects related to agricultural product processing and rural tourism, securing over 5 million yuan in funding [1] Group 3: Community Support and Economic Growth - The establishment of "production and sales platforms" connects rural agricultural products with urban supermarkets and e-commerce platforms, addressing issues of product oversupply and boosting collective economic income by an average of 250,000 yuan per village [1] - The "Pioneer for Enrichment" initiative has shown significant results, with continuous growth in village collective economies and an increase in villagers' sense of happiness [1]