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美国
证券交易委员会
华盛顿特区20549 
表格 10-Q
(标记一)
根据1934年证券交易法第13或15(d)节的季度报告
截至季度结束日期的财务报告2024年9月30日
或者
根据1934年证券交易法第13或15(d)节的转型报告书
从             到             的过渡期。
委托文件号码:001-33637 
坎伯兰药业公司。
(根据其章程指定的准确名称)
田纳西州
62-1765329
(注册或组织的)提起诉讼的州或其他司法管辖区(如适用)
组建国的驻地
(IRS雇主
唯一识别号码)
West End Avenue 1600, Suite 1300,
纳什维尔, 田纳西州
37203
(主要领导机构的地址)
(邮政编码)
(615) 255-0068
(注册人电话号码,包括区号)
在法案第12(b)条的规定下注册的证券:
班级交易代码登记的交易所名称
普通股,无面值CPIX纳斯达克全球精选市场

请在以下方框内打勾,表示报告人(1)在过去12个月内(或报告人所需被要求提交这些报告的较短期间内,如果有)已经提交了所有根据1934年证券交易法第13或15(d)节规定所需提交的报告, 并且(2)在过去90天内一直受到此类提交要求的约束。Yes      否  
请用复选标记表示,注册者是否在过去12个月内(或注册者需要提交此类文件的较短期间)依据《S-t规章》第405条规定提交了每个互动数据文件。 Yes      否  
请通过选择标记来指示注册人是否为大型加速归档者、加速归档者、非加速归档者、较小的报告公司或新兴成长型公司。请查看《交易所法》规则120亿.2中的定义。 "大型加速报告人" "加速报告人" "小型报告公司""新兴成长性公司" 在交易所法规则120亿.2中。
大型加速文件申报人
加速文件申报人
非加速文件提交人
更小的报告公司
新兴成长公司
如果一家新兴成长型公司,请通过复选标记指出注册人是否选择不使用依据交易所法案第13(a)节提供的任何新财务会计准则的延长过渡期。
请勾选:注册人是否为外壳公司(根据《交易所法案》120亿.2规定定义)。是     否  
请说明发行人普通股每个类别的流通股票在最近可行日期的流通情况:14,042,304 2024年11月4日持有普通股。



坎伯兰药业股份有限公司
索引




第一部分 - 财务信息
项目1. 基本报表(未经审计)
坎伯兰药业及其子公司
汇编的综合资产负债表
(未经审计)
2024 年 9 月 30 日2023 年 12 月 31 日
资产
流动资产:
现金和现金等价物$17,464,754 $18,321,624 
应收账款,净额11,310,625 9,758,176 
库存,净额4,509,669 4,609,362 
预付资产和其他流动资产1,951,358 3,025,248 
流动资产总额35,236,406 35,714,410 
非流动库存11,831,927 12,804,529 
财产和设备,净额312,031 367,903 
无形资产,净额19,415,232 22,607,918 
善意914,000 914,000 
经营租赁使用权资产6,208,411 6,674,394 
其他资产2,829,506 2,692,921 
总资产$76,747,513 $81,776,075 
负债和权益
流动负债:
应付账款$12,057,712 $14,037,629 
经营租赁流动负债391,688 348,092 
循环信贷额度的当期部分5,988,920  
其他流动负债12,649,195 13,596,528 
流动负债总额31,087,515 27,982,249 
循环信贷额度-长期10,102,672 12,784,144 
经营租赁非流动负债4,997,212 5,296,247 
其他长期负债6,090,722 6,453,566 
负债总额52,278,121 52,516,206 
股权:
股东权益:
普通股— 面值; 100,000,000 已获授权的股份; 14,010,73614,121,833 分别截至2024年9月30日和2023年12月31日的已发行和流通股份
46,843,203 47,091,602 
累计赤字(22,064,117)(17,488,161)
股东权益总额24,779,086 29,603,441 
非控股权益(309,694)(343,572)
权益总额24,469,392 29,259,869 
负债和权益总额$76,747,513 $81,776,075 

请参阅简明合并基本报表注解。
1


坎伯兰药业及其子公司
简明的汇总操作表
(未经审计)



截至9月30日的三个月截至9月30日的九个月
2024202320242023
净收入$9,085,826 $10,085,926 $27,432,376 $30,199,441 
成本和支出:
销售产品的成本1,323,013 1,765,590 4,609,499 4,536,628 
销售和营销4,397,480 4,743,142 12,800,469 13,692,535 
研究和开发1,306,095 1,924,768 3,523,535 4,569,476 
一般和行政2,675,380 2,343,855 7,800,435 7,212,731 
摊销1,078,290 1,175,174 3,288,808 3,563,493 
总成本和支出10,780,258 11,952,529 32,022,746 33,574,863 
营业亏损(1,694,432)(1,866,603)(4,590,370)(3,375,422)
利息收入69,190 98,603 227,777 205,854 
其他收入   2,828,871 
其他收入——结算 475,000  475,000 
其他收入——保险收益237,089 346,800 237,089 346,800 
利息支出(137,374)(110,081)(382,247)(489,069)
所得税前亏损(1,525,527)(1,056,281)(4,507,751)(7,966)
所得税支出(11,442)(6,938)(34,327)(20,813)
净亏损(1,536,969)(1,063,219)(4,542,078)(28,779)
归属于非控股权益的子公司净亏损(收益)(7,112)13,921 (33,878)43,865 
归属于普通股股东的净收益(亏损)$(1,544,081)$(1,049,298)$(4,575,956)$15,086 
归属于普通股股东的每股收益(亏损)
-基本$(0.11)$(0.07)$(0.32)$ 
-稀释$(0.11)$(0.07)$(0.32)$ 
加权平均已发行股数
-基本14,052,754 14,277,229 14,089,496 14,343,560 
-稀释14,052,754 14,277,229 14,089,496 14,521,600 
请参阅附注的基本财务报表。

2


坎伯兰药业及其子公司
简明的综合现金流量表
(未经审计)



截至9月30日的九个月
20242023
来自经营活动的现金流:
净亏损$(4,542,078)$(28,779)
为使净亏损与经营活动提供的净现金保持一致而进行的调整:
折旧和摊销费用3,406,166 3,702,687 
经营租赁使用权资产的摊销855,553 709,021 
基于股份的薪酬227,083 271,146 
非现金或有对价减少(936,072)(1,017,712)
人寿保险保单相对于已缴保费的减少(增加)(180,081)16,357 
非现金利息支出19,377 11,713 
资产处置损失2,691  
人寿保险收益(237,089)(346,800)
影响经营活动的资产和负债净变动:
应收账款(1,552,449)890,361 
库存1,072,295 418,355 
其他流动资产和其他资产1,022,718 1,053,432 
经营租赁负债(645,009)(2,201,773)
应付账款和其他流动负债(667,065)1,903,021 
其他长期负债(362,844)(327,329)
由(用于)经营活动提供的净现金(2,516,804)5,053,700 
来自投资活动的现金流:
财产和设备增补(64,178)(232,595)
收到的人寿保险保单收益237,556  
无形资产的增加(88,727)(133,739)
由(用于)投资活动提供的净现金84,651 (366,334)
来自融资活动的现金流:
信用额度借款32,988,920 23,775,000 
通过信用额度付款(29,681,472)(27,051,875)
或有对价的现金结算(1,251,499)(2,108,933)
与回购普通股有关的付款(480,666)(551,563)
由(用于)融资活动提供的净现金1,575,283 (5,937,371)
现金和现金等价物的净减少(856,870)(1,250,005)
期初的现金和现金等价物$18,321,624 $19,757,970 
期末的现金和现金等价物$17,464,754 $18,507,965 
请参阅附注的基本财务报表。




3



坎伯兰药业及其子公司
简明合并股东权益表
(未经审计)

普通股累计赤字非控股权益权益总额
股票金额
余额,2022 年 12 月 31 日14,366,616 $47,474,973 $(11,208,841)$(292,126)$35,974,006 
基于股份的薪酬150,260 90,156 — — 90,156 
回购普通股(86,829)(187,961)— — (187,961)
净收益(亏损)— — 192,184 (19,898)172,286 
余额,2023 年 3 月 31 日14,430,047 $47,377,168 $(11,016,657)$(312,024)$36,048,487 
余额,2023 年 3 月 31 日14,430,047 47,377,168 (11,016,657)(312,024)36,048,487 
基于股份的薪酬— 97,877 — — 97,877 
回购普通股(99,057)(171,616)— — (171,616)
净收益(亏损)— — 872,200 (10,046)862,154 
余额,2023 年 6 月 30 日14,330,990 $47,303,429 $(10,144,457)$(322,070)$36,836,902 
余额,2023 年 6 月 30 日14,330,990 47,303,429 (10,144,457)(322,070)36,836,902 
基于股份的薪酬3,500 83,112 — — 83,112 
回购普通股(116,564)(201,237)— — (201,237)
净亏损— — (1,049,298)(13,921)(1,063,219)
余额,2023 年 9 月 30 日14,217,926 $47,185,304 $(11,193,755)$(335,991)$35,655,558 

普通股累计赤字非控股权益权益总额
股票金额
余额,2023 年 12 月 31 日14,121,833 $47,091,602 $(17,488,161)$(343,572)$29,259,869 
基于股份的薪酬163,991 78,754 — — 78,754 
回购普通股(125,870)(246,599)— — (246,599)
净收益(亏损)— — (1,946,263)43,791 (1,902,472)
余额,2024 年 3 月 31 日14,159,954 $46,923,757 $(19,434,424)$(299,781)$27,189,552 
余额,2024 年 3 月 31 日14,159,954 $46,923,757 $(19,434,424)$(299,781)$27,189,552 
基于股份的薪酬— 71,958 — — 71,958 
回购普通股(76,771)(126,689)— — (126,689)
净亏损— — (1,085,612)(17,025)(1,102,637)
余额,2024 年 6 月 30 日14,083,183 $46,869,026 $(20,520,036)$(316,806)$26,032,184 
余额,2024 年 6 月 30 日14,083,183 $46,869,026 $(20,520,036)$(316,806)$26,032,184 
基于股份的薪酬— 76,371 — — 76,371 
回购普通股(72,447)(102,194)— — (102,194)
净收益(亏损)— — (1,544,081)7,112 (1,536,969)
余额,2024 年 9 月 30 日14,010,736 $46,843,203 $(22,064,117)$(309,694)$24,469,392 
请参阅附注的基本财务报表。
4


坎伯兰药业及其子公司
简明合并财务报表注释
(未经审计)
(1) 组织结构及呈现基础
坎伯兰药业公司("坎伯兰,""公司," 或在此语境中使用的 "我们," "我们,""我们的"), 是一家专注于品牌处方药品的收购、开发和商业化的专业药品公司。我们致力于共同的使命,提供独特的产品,以改善患者护理的质量。
我们主要的目标市场是医院急救、胃肠病学和肿瘤学。这些医疗专业的特点是相对集中处方医生的基础,我们认为可以通过小型、针对性的销售团队有效服务。我们通过在美国的医院、领域和肿瘤销售团队推广我们的批准产品。我们继续建立一网络,与拥有所需的监管和商业能力的国际合作伙伴合作,在他们的国家登记并向患者提供我们的药物。
Cumberland的增长策略涉及最大化我们现有品牌的潜力,同时继续建立差异化产品的组合。我们目前在美国拥有六种获得FDA批准的产品。我们还在继续建立国际合作伙伴关系,将我们的药物带给其他国家的患者。此外,我们积极寻找机会通过临床试验、新产品展示和对特定研究者发起的研究的支持,将我们的品牌扩展到新的患者群体中。 与此同时,我们的临床团队正在开发一系列新的产品候选者,以满足未被充分满足的医疗需求。我们还寻求机会收购额外的已上市品牌以及在我们目标医疗专业领域的后期开发产品候选者。
公司的产品由第三方制造,且受到我们的质量控制和制造业-半导体专业人员的监管。我们与仓储和分销合作伙伴紧密合作,使我们的产品在美国可用。
根据管理层的意见,附带的未经审计的简明合并基本报表已在与2023年12月31日的经审计合并基本报表一致的基础上编制,并包括所有必要的调整,仅包括正常的经常性调整,以公正地呈现此处所列的信息。所有重要的公司间账户和交易在合并中已被消除。未经审计的简明合并基本报表已按照证券交易委员会(SEC)的规定编制, "美国证券交易委员会"并且某些信息和披露已根据SEC允许的方式进行过简化或省略,以利于中期报告的呈现。这些未经审计的简明合并基本报表应与我们截至2023年12月31日的年报Form 10-K中的经审计合并基本报表及附注一起阅读( "2023年年报Form 10-K")。截至2024年9月30日的三个月和九个月的经营结果并不一定能代表整个财政年度或任何未来期间的预期结果。
最新会计指导
近期会计公告
2016年6月,财务会计准则委员会("FASB")发布了会计准则更新("ASU")第2016-13号, "金融工具-信用损失," 该标准改变了大多数金融资产和某些其他工具的减值模型。对于应收账款和其他应收款、持有至到期的债务证券、贷款及其他工具,公司需要使用一种新的前瞻性 "预期损失" 模型,这通常会导致损失准备的更早确认。对于具有未实现损失的可供出售债务证券,公司按照与以前指导相似的方式计量信用损失,除了损失作为准备金确认,而不是在证券的摊余成本中减少。公司必须披露额外信息,包括他们用于跟踪大多数融资应收账款按起始年份的信用质量的信息。公司在采纳该指导的首次报告期间开始时的累计亏损上应用ASU的条款作为累计影响调整(如有)。
与上述讨论的ASU No. 2016-13相关,FASB在2019年5月发布了ASU 2019-05,"金融工具-信用损失(主题326):针对性过渡救济",该标准为ASU 2016-13提供了过渡救济,允许实体在采用新的信用损失标准时,选择不可撤销的公允价值选项,以计算按摊余成本计量的合格金融资产。必须满足特定的资格要求,并且该选择必须逐项适用。该选择不适用于可供出售的或持有至到期的债务证券。 公司于2023年1月1日同时采用了ASU 2016-13和ASU 2019-05。请参阅 交易和应收票据政策 见下文。
5


最近发布的尚未采用的会计准则
在2023年11月,FASB发布了最终指南,旨在通过扩大重要分部费用的披露来提高分部披露的透明度。该指南适用于自2024年开始的年度期间和自2025年开始的中期期间。允许提前采用。该新指南将导致公司分部报告披露附注中的增量披露。我们打算在截至2025年12月31日的年度报告中采用该标准。我们目前正在评估采纳该标准对我们披露的潜在影响。
在2023年12月,财务会计准则委员会发布了最终指引,以改善所得税披露的透明度。最终指引要求增强披露,主要与现有税率对账和已支付所得税信息相关。这项指引于2025年度报告生效。允许提前采纳。这项新指引将导致公司所得税披露附注中增加披露。我们目前正在评估这些要求对我们合并基本报表和披露的影响。我们计划在截至2024年12月31日的年度报告(10-K表格)中采用这一标准。我们目前正在评估采纳这一标准对我们的披露的潜在影响。
会计政策
估计的使用
根据美国普遍接受的会计原则编制的压缩合并基本报表要求公司的管理层做出估算和假设,这些估算和假设会影响在压缩合并基本报表日期的资产和负债的报告金额,以及或有负债的披露,还会影响在该期间的收入和费用的报告金额。实际结果可能会因不同的假设和条件而与这些估算存在差异。公司的最重要估算包括:(1)其对退单的准备金和对折扣及产品退货的应计费用, (2) 对过时或无法销售存货的准备金,以及(3)与业务合并相关的或有对价负债的估值。
运营分部
公司已经 一个 我们的运营板块是特殊药品产品。管理层选择根据销售的产品类型来组织公司。运营板块被确定为企业的元件,关于这些元件,首席运营决策者或决策小组会评估独立的财务信息,以便在资源分配和绩效评估中做出决策。公司使用合并财务信息来确定如何分配资源和评估绩效,已得出结论,我们的特殊药品产品在类似的经济市场和相似的情况下进行竞争。公司的绝大部分资产位于美国,总收入主要归因于美国客户。

6


交易和应收账款政策
管理层评估当前预期信用损失(CECL)在所有金融工具上的应用,包括交易和票据应收款。CECL适用于所有按摊销成本计量的金融工具。因此,对于该公司来说,这主要涉及交易应收款和两笔票据应收款。当存在相似风险特征时,CECL还要求在集体(池)基础上测量预期信用损失。这可能包括会计标准编纂("ASC")(326-20-55-5)中的一些以下特征,单独或结合使用:
a.内部或外部信用评分/评级
b.风险评级或分类
c.金融资产类型
d.尺寸
e.有效利率
f.条款
g.地理位置
h.历史或预期的信用损失模式
i.合理且可支持的预测周期
该标准要求实体汇集金融资产,但允许他们选择使用哪些风险特征。根据指导的要求,公司在每个报告期末重新评估资产池是否继续显示出相似的风险特征。
在超过二十年的经验中,坎伯兰几乎没有应收账款的减值,因为我们的应收账款主要来自于大型成功的药品、医疗保健或政府客户,他们始终按账户支付。尽管所有客户的付款行为都始终可靠,为了保持透明,我们已将客户群分为七个独立的池。公司每月对应收账款进行老化分析,以判断应收账款余额中有多少(如果有的话)应作为潜在坏账进行准备。公司会对所有逾期超过90天的余额进行审查,以确定可能的准备金,并对那些逾期不足90天的余额,考虑是否存在需要准备的指示性因素或信息,例如与客户的其他逾期余额、破产及客户行业或地域板块的任何经济问题。ASC 326的采用对公司没有产生实质性影响。


7


(2) EARNINGS (LOSS) PER SHARE
The following table reconciles the numerator and denominator used to calculate basic and diluted earnings (loss) per share for the three and nine months ended September 30, 2024 and 2023:
Three months ended September 30,
20242023
Numerator:
Net loss attributable to common shareholders$(1,544,081)$(1,049,298)
Denominator:
Weighted-average shares outstanding – basic14,052,754 14,277,229 
Dilutive effect of other securities  
Weighted-average shares outstanding – diluted14,052,754 14,277,229 
Nine months ended September 30,
20242023
Numerator:
Net income (loss) attributable to common shareholders$(4,575,956)$15,086 
Denominator:
Weighted-average shares outstanding – basic14,089,496 14,343,560 
Dilutive effect of other securities 178,040 
Weighted-average shares outstanding – diluted14,089,496 14,521,600 
As of September 30, 2024 and 2023, restricted stock awards and options to purchase 600,266 and 440,389 shares of common stock, respectively, were outstanding but were not included in the computation of diluted earnings per share because the effect would be antidilutive.

8


(3) REVENUES
Product Revenues
The Company accounts for revenues from contracts with customers under ASC 606.
The Company’s net revenues consisted of the following for the three and nine months ended September 30, 2024 and 2023:
Three months ended September 30,Nine months ended September 30,
2024202320242023
Products:
Kristalose$3,632,258 $3,887,476 $10,935,702 $12,313,321 
Sancuso2,607,558 1,933,222 6,624,102 5,736,981 
Vibativ1,028,013 2,789,579 5,087,983 6,785,592 
Caldolor1,271,252 1,155,509 3,586,199 3,316,866 
Acetadote21,374 120,052 144,973 440,071 
Omeclamox-Pak(18)23,288 (2,574)28,832 
Vaprisol(135,765)— (128,684)39,866 
RediTrex36,950 (122,556)71,350 (254,108)
Other revenue624,204 299,356 1,113,325 1,792,020 
Total net revenues$9,085,826 $10,085,926 $27,432,376 $30,199,441 
There was no Omeclamox-Pak net revenue for the third quarter of 2024 due to our lack of commercial inventory of this product. The packager for our Omeclamox-Pak product encountered financial difficulties due to the impact of COVID-19. As we have not been able to identify an alternative site to package the product, we discontinued the sales of Omeclamox-Pak and expensed the remaining brand intangible assets in late 2023. For the three and nine months ended September 30, 2024 and 2023, the amounts noted resulted from normal distribution adjustments.
With regard to Vaprisol, we are in the process of transitioning to a new manufacturing partner, who was issued a U.S. Food and Drug Administration ("FDA") Form 483 in the second quarter of 2022. Once these FDA Form 483 related issues are satisfactorily resolved, we will then resubmit our application for their facility to the FDA for approval. Meanwhile, we have been working with them to support a special, interim supply of compounded product for critically ill patients, which they introduced to the market in late 2023. For the three and nine months ended September 30, 2024, the amounts reflected our share of sales of the compounded product and normal sales deduction adjustments. For the three and nine months ended September 30, 2023, net revenue was impacted by normal accrual adjustments.
Effective June 30, 2023, the Company returned all rights of RediTrex back to Nordic and will receive a long-term royalty on any sales of the product in the future. For the three and nine months ended September 30, 2024 and 2023, the revenue amounts represented normal distribution and accrual adjustments.

9


Other Revenues
The Company has agreements with international partners for commercialization of the Company's products with associated payments included in other revenues. Those agreements provide that each of the partners is responsible for seeking regulatory approvals for the product, and following approval, each partner will be responsible for the ongoing distribution and sales in the respective international territories. Cumberland is typically entitled to receive a non-refundable, up-front payment at the time each agreement is executed as consideration for the product dossier and for the rights to the distinct intellectual property rights in the respective international territory. These agreements also typically provide for additional payments upon a partner’s achievement of a defined regulatory approval and sales milestones. The Company may also be entitled to receive royalties on future sales of the products and a transfer price on supplies. The contractual payments associated with the partner’s achievement of regulatory approvals, sales milestones and royalties on future sales are recognized as revenue upon occurrence, or at such time that the Company has a high degree of confidence that the revenue would not be reversed in a subsequent period.
Other revenues include funding from federal grant programs including those provided by the FDA and from those secured by Cumberland Emerging Technologies Inc. ("CET") through the Small Business Administration's Small Business Innovation Research and Small Business Technology Transfer Research ("SBIR/STTR") programs. Grant revenue from these federal grant programs totaled approximately $0.4 million and $0.3 million for the nine months ended September 30, 2024 and 2023, respectively.
Other revenues also include lease income generated by CET’s Life Sciences Center which is a research facility that provides scientists with access to flexible lab space and other resources to develop biomedical products. This lease income, as noted in Footnote 5 - Leases, was approximately $0.13 million and $0.16 million for the three months ended September 30, 2024 and 2023, respectively, and $0.4 million both for the nine months ended September 30, 2024 and 2023, respectively.
As part of a CET development agreement, $0.2 million was included in CET's other revenue for the three months ended September 30, 2024, which represents development funding associated with a new product.

10


(4) INVENTORIES
The Company works closely with third parties to manufacture and package finished goods for sale. Based on the arrangements with the manufacturer or packager, the Company will either take title to the finished goods at the time of shipment or at the time of arrival at the Company’s warehouses. The Company then holds such goods in inventory until distribution and sale. These finished goods inventories are stated at the lower of cost or net realizable value with cost determined using the first-in, first-out method.
The Company continually evaluates inventory for potential losses due to excess, obsolete or slow-moving goods by comparing sales history and projections to the inventory on hand. When evidence indicates that the carrying value may not be recoverable, a charge is taken to reduce the inventory to its current net realizable value. At September 30, 2024, the Company had recognized and maintained cumulative net realizable value charges for potential obsolescence and discontinuance losses of approximately $0.02 million. At December 31, 2023, there were no cumulative obsolescence and discontinuance losses necessary.
The Company purchases the active pharmaceutical ingredient ("API") for Kristalose and maintains the inventory of that raw material. API for the Company's Vaprisol and Vibativ brands were included in the assets associated with the acquisition of those brands and are also included in the raw materials inventory. As part of the Vibativ acquisition, the Company acquired API and work in process inventories of $15.6 million that were all initially classified as non-current inventories at the date of acquisition.
As these APIs are consumed in the manufacture of our products, the value of the API involved is transferred from raw materials to finished goods.
Consigned inventory represents Authorized Generic inventory stored with our partner until shipment to their customers.
At September 30, 2024 and December 31, 2023, the Company's net inventories consisted of the following:
September 30, 2024December 31, 2023
Raw materials and work in process$12,306,377 $12,619,092 
Consigned inventory154,992 149,701 
Finished goods3,880,227 4,645,098 
Total inventories16,341,596 17,413,891 
less non-current inventories(11,831,927)(12,804,529)
Total inventories classified as current$4,509,669 $4,609,362 
At September 30, 2024 and December 31, 2023, the Company's non-current inventories consisted of the following:
September 30, 2024December 31, 2023
Vibativ Raw Materials$6,230,671 $6,611,426 
Kristalose Raw Materials2,850,484 3,263,516 
Vaprisol Raw Materials1,173,442 1,170,641 
Sancuso Raw Materials626,876 574,502 
Caldolor Raw Materials31,488  
Acetadote Raw Materials26,585 33,678 
Ifetroban Raw Materials203,383 203,383 
Vibativ Finished Goods486,942 810,454 
Sancuso Finished Goods46,602  
Caldolor Finished Goods54,315 67,307 
Acetadote Finished Goods31,517  
Omeclamox69,622 69,622 
Total inventories classified as non-current$11,831,927 $12,804,529 

11


(5) LEASES
On November 15, 2021, Cumberland entered into a lease (the "Broadwest Lease"), pursuant to which the Company leases approximately 16,903 rentable square feet of space (the "Leased Premise") at the Broadwest office campus located in Nashville, Tennessee with 1600 West End Avenue Partners, LLC (the "Landlord"). The Leased Premise serves as the Company's corporate headquarters. The initial term of the Lease is one hundred fifty-seven (157) months, with two consecutive options to renew for a period of 5 years each, with the commencement date of October 25, 2022. This lease currently expires in November 2035.
The Company is responsible for paying rent to the Landlord under the lease beginning three months after the commencement date. The Company pays a base rent of $33.06 per square foot of rentable space with a gradual rental rate increase of 2.5% for each year thereafter of the prior year's base rental. In addition to the monthly base rent, the Company is responsible for its percentage share of the operating expenses of the building. The lease also provided for a tenant improvement allowance which was used to build out the space.
On October 24, 2022, CET provided the notice of exercise to extend the lease with The Gateway to Nashville, LLC (the "Gateway Lease") for five years. The lease is for approximately 14,200 square feet of wet laboratory and office space in Nashville, Tennessee where CET operates the CET Life Sciences Center. The wet laboratory and office space is leased through April 2028. The Company also subleases a portion of the space under this lease.
Also included within the right-of-use assets are start up expenditures related to a new supply agreement with Nephron Pharmaceuticals Corporation ("Nephron") for our Vaprisol product. These expenditures are classified as an embedded lease resulting in a right-of-use asset to be amortized over the life of the Nephron contract. As of September 30, 2024, the right-of-use asset was $0.8 million.
Operating lease liabilities were recorded as the present value of remaining lease payments not yet paid for the lease term discounted using the incremental borrowing rate associated with each lease. Operating lease right-of-use assets represent operating lease liabilities adjusted for lease incentives and initial direct costs. As the Company’s leases do not contain implicit borrowing rates, the incremental borrowing rates were calculated based on information available at the commencement date of each lease. Incremental borrowing rates reflect the Company’s estimated interest rates for collateralized borrowings over similar lease terms.
The weighted-average remaining lease term for the Broadwest Lease and Gateway Lease is 9.8 years and 10.6 years at September 30, 2024 and September 30, 2023, respectively. The weighted-average incremental borrowing rate used to discount the present value of the remaining lease payments for both leases is 9.38% and 9.40% at September 30, 2024 and December 31, 2023, respectively.

12


Lease Position
At September 30, 2024 and December 31, 2023, the Company's lease assets and liabilities were as follows:
Right-of-Use AssetsSeptember 30, 2024December 31, 2023
Operating lease right-of-use assets$6,208,411 $6,674,394 
Lease LiabilitiesSeptember 30, 2024December 31, 2023
Operating lease current liabilities$391,688 $348,092 
Operating lease non-current liabilities4,997,212 5,296,247 
Total$5,388,900 $5,644,339 

As of September 30, 2024, cumulative future minimum sublease income under non-cancelable operating subleases totals approximately $0.2 million which includes the 90-day notice required for lease termination. Future minimum lease payments under non-cancelable operating leases (with initial or remaining lease terms in excess of one year) are as follows:
Maturity of Lease Liabilities at September 30, 2024
Operating Leases
2024218,311 
2025836,100 
2026909,911 
2027934,180 
2028740,791 
After 20284,847,401 
8,486,694 
Less: Interest3,097,794 
Present value of lease liabilities$5,388,900 
Rent expense is recognized over the expected term of the lease, including renewal option periods, if applicable, on a straight-line basis as a component of general and administrative expense. Rent expense and sublease income were as follows:
Three months ended September 30,Nine months ended September 30,
2024202320242023
Rent expense$342,032 $244,305 $1,041,515 $765,455 
Sublease income$129,622 $155,025 $408,535 $400,524 










13


(6) SHAREHOLDERS’ EQUITY AND DEBT
Share repurchases
Cumberland currently has a share repurchase program available to repurchase its common stock pursuant to Rule 10b-18 of the Securities Exchange Act of 1934, as amended (the "Exchange Act"). In January 2019, the Company's Board of Directors established the current $10 million repurchase program to replace the prior authorizations. During the nine months ended September 30, 2024 and September 30, 2023, the Company repurchased 275,088 and 302,450 shares of common stock, respectively, for approximately $0.5 million during each period. At September 30, 2024, there remains approximately $2.5 million available under the current repurchase program for common share repurchases.
Share purchases and sales
In the Company's March 2024 trading window, several members of Cumberland's Board of Directors entered into agreements for trading plans to purchase shares of the Company's stock pursuant to Rule 10b5-1 of the Exchange Act. These purchases are designed to increase ownership in the Company by the members of the Board. The plans became effective on June 13, 2024, and as of September 30, 2024, a total of 22,893 shares have been purchased through these trading plans.
Share Sales
In November 2017, Cumberland filed a Shelf Registration on Form S-3 with the SEC associated with the sale of up to $100 million in corporate securities. The Shelf Registration was declared effective in January 2018. It also included an At the Market ("ATM") feature that allowed the Company to sell common shares at market prices, along with an agreement with B. Riley FBR Inc. to support such a placement of shares. The Company filed an updated Form S-3 with the SEC in December 2023, which was declared effective December 26, 2023. On March 20, 2024, the Company filed a related prospectus supplement in connection with the sale and issuance of shares having an aggregate gross sales price of up to $5.8 million. The Company intends to continue an ATM feature through H.C. Wainwright & Co., LLC, that would allow the Company to issue shares of its common stock. The Company did not issue any shares under an ATM during the nine months ended September 30, 2024.
Restricted Share Grants and Incentive Stock Options
During the nine months ended September 30, 2024 and September 30, 2023, the Company issued 50,500 shares and 34,250 shares of restricted stock, respectively, to employees, advisors and directors. Restricted stock issued to employees and advisors generally cliff-vests on the fourth anniversary of the date of grant and for directors on the one-year anniversary of the date of grant. During the nine months ended September 30, 2024 and September 30, 2023, the Company also issued 190,450 and 192,550 incentive stock options, respectively, to employees that cliff-vest on the fourth anniversary of the date of grant, and are largely set to expire in 2034 and 2033, respectively.
Stock compensation expense is presented as a component of general and administrative expense in the condensed consolidated statements of operations as it relates to these restricted share grants and options. For the nine months ended September 30, 2024, we recorded a credit of $0.02 million to stock compensation expense related to the forfeiture of unvested restricted stock awards and incentive stock options.
Debt Agreement
On September 5, 2023, the Company entered into a new Revolving Credit Loan Agreement (the "Loan Agreement") with Pinnacle Bank. This facility provides for an aggregate principal funding amount of up to $25 million. The initial revolving line of credit is up to $20 million, with the ability for Cumberland to increase the amount to $25 million, under certain conditions. It has a 3-year term expiring on October 1, 2026. The interest rate is based on Benchmark (Term SOFR) plus a spread of 2.75%. Cumberland is subject to one financial covenant, the maintenance of a Funded Debt Ratio, determined on a quarterly basis. Borrowings under the line of credit are collateralized by substantially all of our assets.
On May 6, 2024, the Company entered into a First Amendment to the Loan Agreement which provides an alternative to the financial covenant by delivering to the lender a borrowing base certificate and complying with certain borrowing base requirements which set forth a maximum revolver amount equal to the lessor of (a) up to $20 million or (b) the sum of the Company's cash balances and eligible accounts receivable.
As of September 30, 2024 and December 31, 2023, the Company had $16.1 million and $12.8 million, respectively, in borrowings outstanding under its revolving credit facility. The applicable interest rate under the Loan Agreement was 8.000% at September 30, 2024.

14


Joint Venture Agreement
In August 2020, Cumberland entered into an agreement with WinHealth Investment (Singapore) Ltd creating WHC Biopharmaceuticals, Pte. Ltd. The joint venture, as a limited liability company, will focus on acquiring, developing, registering, and commercializing development stage and commercial stage biopharmaceuticals for China, Hong Kong and other Asian markets. The agreement provided for initial investment from WinHealth in the form of a $0.2 million equity contribution and an initial investment from Cumberland in the form of a $0.2 million convertible note, which was funded during the first quarter of 2021. The joint venture will seek additional future capital from additional investors and has entered into exclusive option agreements to license product candidates from both Cumberland Pharmaceuticals Inc. and Cumberland Emerging Technologies Inc.
(7) INCOME TAXES
As of September 30, 2024, the Company has approximately $51.9 million in federal net operating loss carryforwards including approximately $44.1 million of net operating loss carryforwards resulting from the exercise of nonqualified stock options. These have historically been used to significantly offset income tax obligations. The Company expects it will continue to pay minimal income taxes during 2024 and beyond, through the continued utilization of these net operating loss carryforwards, on any taxable income generated from our operations.
(8) COLLABORATIVE AGREEMENTS
Cumberland is a party to several collaborative arrangements with research institutions to identify and pursue promising pharmaceutical product candidates. The funding for these programs is primarily provided through SBIR/STTR programs and other grant awards. The Company has determined that these collaborative agreements, with the exception of the collaborative payment discussed in Note 10, related to Vibativ and Sancuso contingent consideration payments, do not meet the criteria for accounting under ASC Topic 808, Collaborative Agreements. The agreements do not specifically designate each party’s rights and obligations to each other under the collaborative arrangements. Except for patent defense costs, expenses incurred by one party are not required to be reimbursed by the other party. Expenses incurred under these collaborative agreements are included in research and development expenses and funding received from grants are recorded as net revenues in the condensed consolidated statements of operations.
(9) COMMITMENTS AND CONTINGENCIES
The company is involved in litigation arising in the normal course of business. The Company does not believe that the disposition or ultimate resolution of existing claims or lawsuits will have a material adverse effect on the business or financial condition of the Company.

15


(10) PRODUCT ACQUISITIONS AND RETURN OF PRODUCT RIGHTS
Vibativ
During November 2018, the Company executed an agreement with Theravance Biopharma ("Theravance") to acquire the assets and global rights to Vibativ including responsibility for the marketing, distribution, manufacturing and regulatory activities associated with the brand. Vibativ is a patented, FDA approved injectable anti-infective for the treatment of certain serious bacterial infections including hospital-acquired and ventilator-associated bacterial pneumonia and complicated skin and skin structure infections. It addresses a range of Gram-positive bacterial pathogens, including those that are considered difficult-to-treat and multidrug-resistant.
Cumberland accounted for the transaction as a business combination in accordance with ASC 805 and the product sales are included in the results of operations subsequent to the acquisition date. The Company made an upfront payment of $20 million at the closing of the transaction and a $5 million milestone payment in early April 2019. In addition, Cumberland has agreed to pay royalties of up to 20% of on-going net sales of the product in the U.S. after a $3 million threshold is met. The future royalty payments were recognized at their acquisition-date fair value as a contingent consideration liability, as part of the contingent consideration transferred in the business combination. Cumberland prepared the valuations of the contingent consideration liability utilizing significant unobservable inputs. As a result, the valuation is classified as Level 3 fair value measurement.
The following table presents the changes in the fair value of the contingent consideration liability that is remeasured on a recurring basis. The contingent consideration earned and accrued in operating expenses is paid to Theravance quarterly.
Balance at December 31, 2023
$4,033,373 
Cash payment of royalty during the period(613,569)
Change in fair value of contingent consideration included in operating expenses(336,591)
Contingent consideration earned and accrued in operating expenses422,961 
Balance at September 30, 2024
$3,506,174 
The contingent consideration liability of $3.5 million was accounted for as $1.2 million of other current liabilities and $2.3 million of other long-term liabilities on the condensed consolidated balance sheet as of September 30, 2024.

16


Sancuso
On January 3, 2022, Cumberland acquired the U.S. rights to the FDA-approved oncology-supportive care medicine Sancuso from Kyowa Kirin, Inc. ("Kyowa Kirin"), the U.S. affiliate of Japan-based Kyowa Kirin Co., Ltd.
Sancuso is the first and only FDA-approved prescription patch for the prevention of nausea and vomiting in patients receiving certain types of chemotherapy treatment. The active drug in Sancuso, granisetron, slowly dissolves in the thin layer of adhesive that sticks to the patient’s skin and is released into their bloodstream over several days, working continuously to prevent chemotherapy-induced nausea and vomiting ("CINV"). It is applied 24 to 48 hours before receiving chemotherapy and can prevent CINV for up to five consecutive days. Alternative oral treatments must be taken several times (day and night) to deliver the same therapeutic doses.
Cumberland acquired U.S. rights to Sancuso and assumed full commercial responsibility for the product in the United States – including its marketing, promotion, distribution, manufacturing and medical support activities. The product’s FDA registration was subsequently transferred from Kyowa Kirin to Cumberland in August 2023.
Cumberland has also accounted for this transaction as a business combination in accordance with ASC 805 and the product sales are included in the results of operations subsequent to the acquisition date. The Company made an upfront payment of $13.5 million at the closing of the transaction. The agreement called for milestone payments of up to $3.5 million based on the attainment of various approvals and sales performance. In January 2023, Cumberland made a $1.0 million milestone payment to Kwoya Kirin based on the FDA approval of a manufacturing site for the product. In October 2023, Cumberland made a $0.5 million milestone payment based on the successful transfer of the product’s FDA registration from Kyowa Kirin to Cumberland.
The remaining $2.0 million in milestones are tied to achievement of certain annual sales levels for the product.
In addition, Cumberland has agreed to pay a royalty of up to 10% of on-going net sales of Sancuso. The future royalty payments were required to be recognized at their acquisition-date fair value as a contingent consideration liability, as part of the contingent consideration transferred in the business combination. Cumberland has prepared a valuation of the contingent consideration liability utilizing significant unobservable inputs. As a result, the valuation is classified as Level 3 fair value measurement.
The following table presents the changes in the fair value of the contingent consideration liability that is remeasured on a recurring basis.
Balance at December 31, 2023$2,306,000 
Cash payment of milestones and royalty during the period(637,930)
Change in fair value of contingent consideration included in operating expenses(599,481)
Contingent consideration earned and accrued in operating expenses662,411 
Balance at September 30, 2024
$1,731,000 
The contingent consideration liability earned and accrued in operating expenses is paid to Kyowa Kirin quarterly. The contingent consideration liability of $1.7 million was accounted for as $1.3 million of current liabilities and $0.4 million of other long-term liabilities on the condensed consolidated balance sheet as of September 30, 2024.
RediTrex
On July 12, 2022, the Cumberland entered into an amendment to an agreement with Nordic Group B.V.("Nordic") returning all the U.S. rights to RediTrex back to Nordic including the trademark and market authorization effective June 30, 2023. The companies have cooperated on the transition and Cumberland will receive a long-term royalty on any Nordic sales of the product.

17


Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations
Disclosure regarding forward-looking statements
The following discussion contains certain forward-looking statements which reflect management’s current views of future events and operations. These statements involve certain risks and uncertainties, and actual results may differ materially from them. Forward-looking statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Actual results may differ significantly from the results discussed in these forward-looking statements. Some important factors which may cause results to differ from expectations include: availability of additional debt and equity capital; market conditions at the time additional capital is required; our ability to continue to acquire branded products; product sales; management of our growth and integration of our acquisitions and generally unpredictable conditions in national and international markets. While forward-looking statements reflect our beliefs and best judgment based upon current information, they are not guarantees of future performance. Other important factors that may cause actual results to differ materially from forward-looking statements are discussed in the sections entitled "Risk Factors" and "Special Note Regarding Forward-Looking Statements" of our Annual Report on Form 10-K for the year ended December 31, 2023, and our other filings with the SEC. We do not undertake to publicly update or revise any of our forward-looking statements, even in the event that experience or future changes indicate that the anticipated results will not be realized. The following presentation of management’s discussion and analysis of financial condition and results of operations should be read in conjunction with our unaudited condensed consolidated financial statements and related notes included in this report on Form 10-Q.

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OVERVIEW
Our Business
Cumberland Pharmaceuticals Inc. ("Cumberland," the "Company," or as used in the context of "we," "us," or "our"), is a specialty pharmaceutical company focused on the acquisition, development and commercialization of branded prescription pharmaceuticals. We are dedicated to our mission of working together to provide unique products that improve the quality of patient care.
Our primary target markets are hospital acute care, gastroenterology and oncology. These medical specialties are characterized by relatively concentrated prescriber bases that we believe can be served effectively by small, targeted sales forces. We promote our approved products through our hospital, field and oncology sales divisions in the United States. We continue to build a network of established international partners with the needed regulatory and commercial capabilities to register and provide our medicines to patients in their countries.
Our portfolio of brands approved for marketing by the U.S. Food and Drug Administration ("FDA") includes:
Acetadote® (acetylcysteine) injection, for the treatment of acetaminophen poisoning;
Caldolor® (ibuprofen) injection, for the treatment of pain and fever;
Kristalose® (lactulose) oral solution, a prescription laxative for the treatment of constipation;
Sancuso® (granisetron) transdermal, for the prevention of nausea and vomiting in patients receiving certain types of chemotherapy treatment;
Vaprisol® (conivaptan) injection, to raise serum sodium levels in hospitalized patients with euvolemic and hypervolemic hyponatremia; and
Vibativ® (telavancin) injection, for the treatment of certain serious bacterial infections including hospital-acquired and ventilator-associated bacterial pneumonia, as well as complicated skin and skin structure infections.
In addition to these commercial brands, we have Phase II clinical programs underway evaluating our ifetroban product candidate in 1) Systemic Sclerosis or scleroderma, a debilitating autoimmune disorder characterized by diffuse fibrosis of the skin and internal organs, 2) patients with cardiomyopathy associated with Duchenne Muscular Dystrophy, a rare, fatal, genetic neuromuscular disease results in deterioration of the skeletal, heart, and lung muscles and 3) patients with Idiopathic Pulmonary Fibrosis, the most common form of progressive fibrosing interstitial lung disease. Investigational new study applications have been cleared by the FDA enabling us to launch Phase II clinical studies in each of these areas.
Cumberland has built core competencies for the acquisition, development and commercialization of pharmaceutical products, and we believe we can leverage this existing infrastructure to support our growth. Our management team consists of pharmaceutical industry veterans with experience in business development, product development, regulatory, manufacturing, sales, marketing and finance.
Our business development team identifies, evaluates, and negotiates product acquisition, licensing and co-promotion agreements. Our product development team creates proprietary formulations, manages our clinical studies, prepares our FDA submissions and staffs our medical call center. Our quality and manufacturing professionals oversee the manufacturing, release and shipment of our brands. Our marketing and sales organization is responsible for our commercial activities, and we work closely with our distribution partners to ensure the availability and delivery of our products.

19


GROWTH STRATEGY
Cumberland’s growth strategy involves maximizing the potential of our existing brands, while continuing to build a portfolio of differentiated products. We currently own six products approved by the FDA in the United States. We are also continuing to build international partnerships to bring our medicines to patients in other countries. Additionally, we look for opportunities to expand our brands into new patient populations through clinical trials, new product presentations and our support of select, investigator-initiated studies. Meanwhile, our clinical team is developing a pipeline of new product candidates to address poorly met medical needs. We also pursue opportunities to acquire additional marketed brands, as well as late-stage development product candidates in our target medical specialties.
We are supplementing these activities with the earlier-stage product development at Cumberland Emerging Technologies ("CET"), our majority-owned subsidiary. CET partners with academic research institutions to identify and support the progress of promising new product candidates, which Cumberland can further develop and commercialize.
Specifically, we are seeking long-term, sustainable growth by:
Supporting and expanding the use of our marketed products. We continue to evaluate our products following their FDA approval to determine if additional clinical data could expand their market and use. For example, we have secured pediatric approval of Acetadote and Caldolor and expanded the labeling for both brands accordingly. We also added pre-surgery dosing for Caldolor, and recently included newborns to the patients who can benefit from the product.
Selectively adding complementary brands. In addition to our product development activities, we are also seeking to acquire approved brands or late-stage development product candidates to continue to build our portfolio. We seek under-promoted, FDA-approved drugs as well as late-stage development products that can improve patient care. We will continue to target product acquisition candidates that are competitively differentiated and have valuable intellectual property or other protective features. Our acquisitions of Vibativ and Sancuso are examples of the implementation of this strategy.
Progressing our clinical pipeline and incubating future product opportunities at CET. We believe it is important to build a pipeline of innovative new product opportunities, as we are doing through our ifetroban Phase II development programs. We are also supplementing our acquisitions and late-stage development activities with the early-stage product development activities at CET.
Leveraging our infrastructure through co-promotion partnerships. We believe that our commercial infrastructure can help drive prescription volume and product sales. We also look for strategic partners that can complement our capabilities and enhance opportunities for our brands. For example, our co-promotion partnerships have allowed us to expand the support for Kristalose across the United States.
Building an international contribution to our business. We have established our own commercial capabilities, including three sales divisions, that focus on the U.S. market for our products. We are also working with a network of select international partners to register our products and make them available to patients in their countries. We will continue to support our partners’ registration and commercialization efforts in their respective territories. The acquisition of Vibativ resulted in several new international partners and market opportunities.
Managing our operations with financial discipline. We continually work to manage our expenses in line with our revenues, to deliver positive cash flow from operations. We seek to maintain favorable gross margins and a strong balance sheet.

20


RECENT DEVELOPMENTS
State Medicaid Coverage for Kristalose Grows
We continue to see that Kristalose, our prescription-strength laxative, performs best in states where we have Medicaid coverage, such as Texas, New York and Wisconsin. The product is now also covered on certain Virginia, Louisiana and Maine Medicaid plans. We are encouraged to see the positive impact on our business as more states provide favorable Medicaid coverage for Kristalose and we will continue working to increase awareness in those states.
New WHO Report Highlights Need for Antibiotics like Vibativ
A new report from the World Health Organization ("WHO") found that antimicrobial resistance is an urgent global health and socioeconomic crisis. Further, the worldwide rise in antibiotic resistance poses a significant threat, diminishing the efficacy of many common antibiotics against widespread bacterial infections. Unlike many antibiotics that are losing the battle to fight bacteria, Vibativ’s unique dual method of action was specifically designed to address drug-resistant bacteria and we therefore believe it has the potential to help many patients amid the growing resistance crisis.
Vibativ can serve as a potentially life-saving treatment in patients with hospital-acquired and ventilator-associated pneumonia resulting from infections including the flu and COVID-19. It is designed to treat serious infections due to Staphylococcus aureus (S. aureus) and other Gram-positive bacteria, including Methicillin-resistant Staphylococcus aureus (MRSA) and Methicillin-sensitive Staphylococcus aureus (MSSA). Vibativ addresses a range of Gram-positive bacterial pathogens, including those that are considered difficult-to-treat and multidrug-resistant.
Expanded Patient Support for Sancuso
During the third quarter of 2024 we launched a new sampling program for our oncology support medication, Sancuso, that broadens access to the product, allowing more patients to try it and experience its benefits. We also introduced a new HUB services capability to provide enhanced patient support, ensuring patients receive comprehensive assistance throughout their treatment journey.
Vaprisol Supply Update
Demand for our Vaprisol product increased in 2020 during the COVID-19 pandemic, and we worked to support the expanded use of the product in hospitals and clinics during the health care crisis. In 2021, we distributed all remaining inventory of the Vaprisol product we possessed and subsequently notified the FDA that supplies of the product are not currently available. We have since transferred the manufacturing of the product to a new facility. Our new manufacturing and distribution partner is working with the FDA to address several Form 483 issues in a timely manner. As we await FDA approval for making the branded product there, our manufacturer is providing a special supply of compounded product in support of critically ill patients. The companies share in the sales of this compounded product.
Vaprisol is the first and only intravenously administered vasopressin receptor antagonist. It is used to raise serum sodium levels in hospitalized patients with hyponatremia, the most common electrolyte disorder among such patients.


















21


Federal NOPAIN Act
In April 2023, we announced that we expect that our Caldolor product will be eligible for special Medicare reimbursement under the Non-Opioids Prevent Addiction in the Nation Act (the “NOPAIN Act”), which was enacted as part of the Consolidated Appropriations Act of 2023.
This Act requires Centers for Medicare and Medicaid Services (“CMS”) to provide separate reimbursement for non-opioid products that are used to manage pain during surgeries conducted in hospital outpatient departments or in ambulatory surgical centers. The NOPAIN Act applies, in part, to products that are indicated to provide analgesia, without acting upon the body’s opioid receptors. The reimbursement for non-opioid pain alternatives under the NOPAIN Act will apply to those products that are furnished between January 1, 2025, and January 1, 2028.
Cumberland submitted comments to CMS in July 2023 and July 2024, arguing, among other things, that Caldolor meets the statutory requirements for separate payment under the NOPAIN Act because the U.S. Food and Drug Administration (“FDA”) approved Caldolor for a general acute pain indication that encompasses use for the reduction of postoperative pain based on clinical studies in patients with postoperative pain.
On November 1, 2024, CMS announced a list of products for separate payment under the NOPAIN Act through their Calendar Year 2025 Medicare Outpatient Prospective Payment System (“OPPS”) Ruling. The list does not include Caldolor. CMS concluded that Caldolor and certain other products do not qualify for separate payment under the NOPAIN Act because “there is no mention of post-operative or post-surgical use in the FDA-approved indications.”
The Company was surprised and disappointed with this determination, as the majority of Caldolor’s use is associated with surgery and the FDA approval of the product’s pain indication was based on studies of patients with post-surgical pain.
Furthermore, CMS’s November 1 list of products eligible for separate payment under the NOPAIN Act does not appear to add any new pharmaceuticals. Cumberland does not believe that CMS’s determination regarding Caldolor is consistent with the intent of the NOPAIN legislation.
We are evaluating our potential options, and next initiatives for continuing to seek separate payment for Caldolor.

22


Ifetroban Clinical Studies
We have been evaluating our ifetroban product candidate, a selective thromboxane-prostanoid receptor antagonist, in a series of clinical studies. It has now been dosed in nearly 1,400 subjects and has been found to be safe and well tolerated in healthy volunteers and various patient populations. We have three Phase II clinical programs underway evaluating our ifetroban product candidate in patients with 1) Systemic Sclerosis or scleroderma, a debilitating autoimmune disorder characterized by diffuse fibrosis of the skin and internal organs, 2) cardiomyopathy associated with Duchenne Muscular Dystrophy, a rare, fatal, genetic neuromuscular disease results in deterioration of the skeletal, heart, and lung muscles and 3) Idiopathic Pulmonary Fibrosis, the most common form of progressive fibrosing interstitial lung disease. This third program is our newest, with enrollment now underway. We expect to close two of these ifetroban studies this year.
We recently applied for two FDA designations for our Duchenne Muscular Dystrophy product candidate:
1) Orphan Drug Designation, which is granted to products that show promise in the treatment, prevention or diagnosis of rare – or orphan – diseases; such designation can result in a number of benefits associated with the FDA review process including exclusivity after approval of the product.
2) Rare Pediatric Disease Designation, which is given to products intended to prevent or treat serious or life-threatening diseases that primarily affect children from birth to 18 years of age. Upon FDA approval, this designation may result in a priority review voucher from the FDA for a different product.
Cumberland subsequently was informed by the FDA that both the Orphan Drug Designation and the Rare Pediatric Disease Designation requests for this candidate have been granted.
We have also completed a pilot Phase II study involving 1) patients suffering from Hepatorenal Syndrome, a life-threatening condition involving liver and kidney failure, 2) patients with Portal Hypertension associated with chronic liver disease and 3) patients with Aspirin-Exacerbated Respiratory Disease, a severe form of asthma. There were no significant safety issues identified with the use of ifetroban in these patients.
Additional pilot studies of ifetroban are underway, including several investigator-initiated trials.
Our plan going forward is to complete each of our Company-sponsored studies, analyze their final data, announce top-line results and decide on the best development path for the registration of ifetroban, which we continue to believe has the potential to benefit many patients with orphan diseases that represent unmet medical needs.
International Agreements
During the third quarter of 2024, PiSA Pharmaceutical, our partner for Caldolor in Mexico, submitted a dossier to COFEPRIS, Mexico’s equivalent to the FDA, for the product’s approval in that country.
Meanwhile, we continue to support our international partners in their efforts to register Vibativ in their countries.
In late 2022, we announced a new partnership with Saudi Arabia-based Tabuk Pharmaceutical to introduce Vibativ into the Middle East. The arrangement provides Tabuk exclusive rights to distribute Vibativ in Saudi Arabia and Jordan, with the option to expand into other countries in the region. Tabuk has obtained the final approvals needed to commercialize Vibativ in Saudi Arabia and has now begun ordering the product in preparation for its launch planned for this year.
Also in 2022, we entered into an agreement with D.B. Pharm to register and commercialize our Vibativ product in South Korea. D.B. Pharm also distributes our Caldolor product there. They filed for the approval of Vibativ in November 2022 and we have been supporting their efforts through the review process of their application in the country. The Korean regulatory authorities did not approve the submission, and indicated that additional manufacturing information will be required, which we will work with D.B. Pharm to address.
Meanwhile, our Vibativ partner for the Chinese market, SciClone Pharmaceuticals, had their approval application in China accepted for review in September 2021. We have since been supporting SciClone and their requests associated with the review of that submission. They are working toward the approval and believe that there is significant potential for Vibativ in their country.

23


CET Program Developments
Through our work at CET, we continue to build a long-term pipeline of innovative new biopharmaceutical products. CET represents a joint initiative among Cumberland Pharmaceuticals Inc., Vanderbilt University, the state-supported Launch Tennessee and an international partner – WinHealth Pharma. CET’s mission is to bring biomedical technologies and products conceived at Vanderbilt and other regional research centers to the marketplace.
There have been two recent developments among the programs CET is supporting.
Enrollment concluded and top-line results have become available for the MENDING Trial, a Phase II investigator-initiated study evaluating the safety and efficacy of a new treatment for delirium in critically ill patients. The study was conducted in partnership with Vanderbilt University Medical Center and funded by the National Institute of Health (“NIH”).
The MENDING Trial enrolled 97 critically ill patients who were admitted to the Vanderbilt Intensive Care Unit (“ICU”) for treatment of respiratory failure or shock and treated 39 who, while in the ICU, developed delirium. Delirious patients received twice-daily IV treatment or placebo and were evaluated over the course of 14 days.
The primary endpoint for this study was the safety of this new treatment. The study also evaluated patient days without delirium or coma. Additional endpoints included ventilator-free days; hospital-free days; drug exposure for antipsychotics, opioids, and sedatives; and cognitive function.
The MENDING Trial successfully demonstrated that the new treatment was well-tolerated in these ICU patients diagnosed with delirium.
In addition the new treatment was associated with 1) a reduction in days with delirium; 2) reduced use of antipsychotics, opioids, and sedatives; and 3) a decrease in delirious patients experiencing comas. While the efficacy results were not statistically significant given the limited number of patients treated, the findings are considered clinically meaningful by physician investigators involved in the study and support continued development.
Delirium is characterized as a serious alteration in mental state which may present with confusion, poor attention or lack of awareness. Additionally, delirium is the most common presentation of neurologic dysfunction in critically ill patients and affects between 30-75% of patients admitted to the ICU. Development of delirium is associated with several poor outcomes including increased length of hospital stays, long-term cognitive deficits, additional hospital costs, impaired quality of life and mortality. Despite the prevalence and impact of delirium, there are currently no FDA-approved therapeutics for the prevention or treatment of delirium, highlighting an unmet medical need for these patients.
Additionally, CET has entered into a Development Agreement with Octapharma AG ("Octapharma") for a new product designed to locate sites of internal bleeding. In exchange for an option to worldwide rights to the technology, Octapharma will provide development funding. With the option exercise, Octapharma will also provide milestone payments and royalties on product sales.
Most clinically significant internal bleeding occurs in the gastrointestinal (GI) tract, especially the lower tract. Intestinal hemorrhage ranks among conditions having the highest number of all-cause readmissions and among the most common causes of nonmalignant mortality.
Current treatment for GI hemorrhage begins with identifying the bleeding site through diagnostic testing. Colonoscopy is the recommended first-line diagnostic procedure, while computed tomographic angiography is advised for a subset of high-risk patients who are unlikely to tolerate bowel preparation. Both angiography and tagged red blood cell scintigraphy – older, less commonly used tests – require a minimum rate of active bleeding for accurate results. Diagnosis using colonoscopy is also more challenging without active bleeding or when excessive bleeding obscures the visual field.
The new technology represents a paradigm shift as it identifies the naturally formed clot at the injured vessels, allowing for the potential to pinpoint GI bleeding sites even if bleeding has ceased temporarily.
The product is designed as a proprietary radiochemical preparatory kit for generating a medical imaging agent for injection. It has been developed through a collaboration between CET, researchers at Vanderbilt University Medical Center and Cold Springs Diagnostics, Inc. The development has been supported by an NIH grant awarded to CET under the STTR program.
The next steps include scaling up the drug formulation and conducting the additional preclinical testing needed to file and obtain clearance for an Investigational New Drug application, paving the way for an initial clinical study.

24


Summary
We are dedicated to our mission of working together to provide unique products that improve the quality of patient care. We have pursued our mission by building a portfolio of FDA-approved brands with outstanding safety and efficacy profiles that can make a difference in patients’ lives.
We continue to build our portfolio of innovative and differentiated products through a multifaceted strategy that includes the development of new candidates, as well as the acquisition of established brands. We will remain focused on those efforts and look forward to future opportunities to carry out our mission and report on our progress throughout the remainder of the
year and beyond.
CRITICAL ACCOUNTING POLICIES AND SIGNIFICANT JUDGMENTS AND ESTIMATES
Please see a discussion of our critical accounting policies and significant judgments and estimates in Note 1 to the Company's Condensed Consolidated Financial Statements accompanying this report and the section entitled "Management’s Discussion and Analysis of Financial Condition and Results of Operations" in our 2023 Annual Report on Form 10-K.
Accounting Estimates and Judgments
The preparation of condensed consolidated financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates, judgments and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the period. We base our estimates on past experience and on other factors we deem reasonable given the circumstances. Past results help form the basis of our judgments about the carrying value of assets and liabilities that cannot be determined from other sources. Actual results could differ from these estimates. The Company's most significant estimates include: (1) its allowances for chargebacks and accruals for rebates and product returns, (2) the allowances for obsolescent or unmarketable inventory and (3) valuation of contingent consideration liabilities associated with business combinations.
25


RESULTS OF OPERATIONS
Three months ended September 30, 2024 compared to the three months ended September 30, 2023
The following table presents the unaudited interim statements of operations for continuing operations for the three months ended September 30, 2024 and 2023:
Three months ended September 30,
20242023Change
Net revenues$9,085,826 $10,085,926 $(1,000,100)
Costs and expenses:
Cost of products sold1,323,013 1,765,590 (442,577)
Selling and marketing4,397,480 4,743,142 (345,662)
Research and development1,306,095 1,924,768 (618,673)
General and administrative2,675,380 2,343,855 331,525 
Amortization1,078,290 1,175,174 (96,884)
Total costs and expenses10,780,258 11,952,529 (1,172,271)
Operating loss(1,694,432)(1,866,603)172,171 
Interest income69,190 98,603 (29,413)
Other income - settlement— 475,000 (475,000)
Other income - insurance proceeds237,089 346,800 (109,711)
Interest expense(137,374)(110,081)(27,293)
Loss before income taxes(1,525,527)(1,056,281)(469,246)
Income tax expense(11,442)(6,938)(4,504)
Net loss$(1,536,969)$(1,063,219)$(473,750)
The following table summarizes net revenues by product for the periods presented:
Three months ended September 30,
20242023Change
Products:
Kristalose$3,632,258 $3,887,476 $(255,218)
Sancuso2,607,558 1,933,222 674,336 
Vibativ1,028,013 2,789,579 (1,761,566)
Caldolor1,271,252 1,155,509 115,743 
Acetadote21,374 120,052 (98,678)
Omeclamox-Pak(18)23,288 (23,306)
Vaprisol(135,765)— (135,765)
RediTrex36,950 (122,556)159,506 
Other revenue624,204 299,356 324,848 
Total net revenues$9,085,826 $10,085,926 $(1,000,100)
Net revenues. Net revenues for the three months ended September 30, 2024, were $9.1 million compared to $10.1 million for the three months ended September 30, 2023. As detailed in the table above, net revenue increased for two of our marketed products during the third quarter of 2024, Sancuso and Caldolor.
Kristalose revenue was $3.6 million for the third quarter of 2024 and $3.9 million for the same period in the prior year. The decrease was the result of higher sales deductions.
Acetadote revenue includes net sales of our Acetadote brand and our share of net sales from our Authorized Generic. During the third quarter of 2024, there was a decrease of $0.1 million in the product's revenue when compared to the prior year period due to a decline in shipments.
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There were no Vaprisol branded product sales for the third quarter of 2024 as Cumberland is currently out of inventory of the product as we await FDA approval on a new manufacturer. The amount represents charges for product returns.
Caldolor revenue was $1.3 million for the third quarter of 2024, compared to $1.2 million for the third quarter of 2023. The increase results from higher international sales.
Vibativ revenue was $1.0 million for the three months ended September 30, 2024, and $2.8 million for the same prior year period. The decrease in net revenue of the product was due to lower sales volume.
Sancuso revenue was $2.6 million for the third quarter of 2024, compared to $1.9 million for the third quarter of 2023 resulting in an increase of $0.7 million. The increase resulted primarily from increased sales volume, along with lower sales deductions associated with the product.
Other revenue was $0.6 million for the three months ended September 30, 2024, compared to $0.3 million for the three months ended September 30, 2023. The increase relates to the development funding received from Octapharma in the third quarter of 2024.
Cost of products sold. Cost of products sold for the third quarter of 2024 and 2023 were $1.3 million and $1.8 million, respectively. Cost of products sold, as a percentage of net revenues, were 14.6% during the three months ended September 30, 2024, compared to 17.5% during the three months ended September 30, 2023. The decrease is primarily due to the mix of domestic and international products sold.
Selling and marketing. Selling and marketing expense for the third quarter of 2024 decreased $0.3 million compared to the same period last year. This decrease is primarily attributable to a decline in personnel and the related compensation.
Research and development. Research and development costs for the third quarter of 2024 were $1.3 million compared to $1.9 million for the same period in 2023. The decrease is primarily due to a portion of our research and development costs is variable as we continue to fund the ongoing clinical initiatives associated with our pipeline product candidates. These variable costs depend on the number of active trials, study sites and patients as well as the cost per patient in each of our clinical programs. In addition, FDA fees are lower in 2024.
General and administrative. General and administrative expense for the third quarter of 2024 was $2.7 million compared to $2.3 million for the same period in 2023. The increase is due to higher salaries and contract labor costs.

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The components of the statements of operations discussed above reflect the following impacts from Vibativ:
Financial Impact of Vibativ
Three months ended September 30,
20242023
Net revenue (1)
$1,029,301 $2,789,579 
Cost of products sold (2)
233,938 563,688 
Royalty and operating expenses300,368 621,941 
Vibativ contribution$494,995 $1,603,950 
(1) Net revenue includes $1,288 related to other income received.
(2) The Vibativ inventory included in the costs of product sold during the period was acquired and paid for by Cumberland as part of the acquisition of the brand during 2018.
The components of the statements of operations discussed above reflect the following impacts from Sancuso:
Financial Impact of Sancuso
Three months ended September 30,
20242023
Net revenue$2,607,559 $1,933,222 
Cost of products sold (1)
135,233 314,735 
Royalty and operating expenses1,071,764 792,654 
Sancuso contribution$1,400,562 $825,833 
(1) The Sancuso inventory included in the costs of product sold during 2023 was acquired and paid for by Cumberland as part of the acquisition of the brand during 2022.
Amortization. Amortization expense is the ratable use of our capitalized intangible assets including product and license rights, patents, trademarks and patent defense costs. Amortization for the three months ended September 30, 2024 and 2023, totaled approximately $1.1 million and $1.2 million, respectively.
Income taxes. Income tax expense for the three months ended September 30, 2024 and for the three months ended September 30, 2023 was $0.01 million.


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RESULTS OF OPERATIONS
Nine months ended September 30, 2024 compared to the nine months ended September 30, 2023
The following table presents the unaudited interim statements of operations for continuing operations for the nine months ended September 30, 2024 and 2023:
Nine months ended September 30,
20242023Change
Net revenues$27,432,376 $30,199,441 $(2,767,065)
Costs and expenses:
Cost of products sold4,609,499 4,536,628 72,871 
Selling and marketing12,800,469 13,692,535 (892,066)
Research and development3,523,535 4,569,476 (1,045,941)
General and administrative7,800,435 7,212,731 587,704 
Amortization3,288,808 3,563,493 (274,685)
Total costs and expenses32,022,746 33,574,863 (1,552,117)
Operating loss(4,590,370)(3,375,422)(1,214,948)
Interest income227,777 205,854 21,923 
Other income— 2,828,871 (2,828,871)
Other income - settlement— 475,000 (475,000)
Other income - insurance proceeds237,089 346,800 (109,711)
Interest expense(382,247)(489,069)106,822 
Loss before income taxes(4,507,751)(7,966)(4,499,785)
Income tax expense(34,327)(20,813)(13,514)
Net loss$(4,542,078)$(28,779)$(4,513,299)
The following table summarizes net revenues by product for the periods presented:
Nine months ended September 30,
20242023Change
Products:
Kristalose$10,935,702 $12,313,321 $(1,377,619)
Sancuso6,624,102 5,736,981 887,121 
Vibativ5,087,983 6,785,592 (1,697,609)
Caldolor3,586,199 3,316,866 269,333 
Acetadote144,973 440,071 (295,098)
Omeclamox-Pak(2,574)28,832 (31,406)
Vaprisol(128,684)39,866 (168,550)
RediTrex71,350 (254,108)325,458 
Other revenue1,113,325 1,792,020 (678,695)
Total net revenues$27,432,376 $30,199,441 $(2,767,065)
Net revenues. Net revenues for the nine months ended September 30, 2024, were $27.4 million compared to $30.2 million for the nine months ended September 30, 2023, a decrease of $2.8 million.
Kristalose revenue was $10.9 million during the first nine months of 2024, compared to $12.3 million for the prior year period. Revenue decreased due to the result of timing of shipments to one of our co-promotion partners.
Acetadote revenue includes net sales of our Acetadote brand and our share of net sales from our Authorized Generic. During the nine months ended September 30, 2024, there was a decrease of $0.3 million in the product's revenue when compared to the prior year period due to a decrease in shipments.
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Sancuso revenue was $6.6 million for the nine months ended September 30, 2024, compared to $5.7 million for the same period last year. The increase resulted primarily from reduced sales deductions for product returns.
Vibativ revenue was $5.1 million for the nine months ended September 30, 2024, compared to $6.8 million for the prior year period. The decrease in net revenue of the product was the result of lower sales volume in 2024.
There were no Vaprisol branded product sales for the nine months ended September 30, 2024 and 2023. The sales of our compounded product for the current year-to-date period was offset by normal sales deduction adjustments.
Omeclamox-Pak had no sales for the nine months ended September 30, 2024, as Cumberland is currently out of commercial inventory of this product. The packager for our Omeclamox-Pak product encountered financial difficulties and currently is under new management and a reorganization.
Caldolor revenue was $3.6 million for the nine months ended September 30, 2024, an increase of $0.3 million over the same period in 2023. Higher international revenue is driving the increase.
Other revenue was $1.1 million for the nine months ended September 30, 2024, representing a $0.7 million decrease from the same period in 2023, as a result of a settlement recognized in 2023.
Cost of products sold. Cost of products sold for the first nine months of 2024 were $4.6 million, consistent when compared to $4.5 million for the first nine months of 2023.
Selling and marketing. Selling and marketing expense for the nine months ended September 30, 2024, decreased $0.9 million compared to the prior year period. This decrease is primarily attributable to the timing of the expenditures.
Research and development. Research and development costs were $3.5 million for the first nine months of 2024 compared to $4.6 million for the same period last year. A portion of our research and development costs is variable as we continue to fund the ongoing clinical initiatives associated with our pipeline product candidates. These variable costs depend on the number of active trials, study sites and patients as well as the cost per patient in each of our clinical programs. The year over year reduction results from lower FDA fees and consulting expenses in 2024.
General and administrative. General and administrative expense for the nine months ended September 30, 2024, increased to $7.8 million compared to $7.2 million during the nine months ended September 30, 2023. The increase is due to higher salaries and contract labor costs.
The components of the statements of operations discussed above reflect the following impacts from Vibativ:
Financial Impact of VibativNine months ended September 30,
20242023
Net revenue (1)
$5,089,271 $7,785,592 
Cost of products sold (2)
1,060,584 1,081,001 
Royalty and operating expenses1,378,848 1,738,568 
Vibativ contribution$2,649,839 $4,966,023 
(1) Net revenue includes $1,288 related to other income received.
(2) The Vibativ inventory included in the costs of product sold during the period was acquired and paid for by Cumberland as part of the acquisition of the brand during 2018.
Financial Impact of VibativSince Acquisition
Net revenue (1)
$58,660,448 
Cost of products sold (2)
18,209,090 
Royalty and operating expenses10,295,977 
Vibativ contribution$30,155,381 
(1) Net revenue includes a $1,000,000 payment to Cumberland related to a settlement agreement of milestone payments and $1,288 of other income.
(2) The Vibativ inventory included in the costs of product sold during the period was acquired and paid for by Cumberland as part of the acquisition of the brand during 2018.
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Financial Impact of SancusoNine months ended September 30,
20242023
Net revenue$6,624,103 $5,736,981 
Cost of products sold (1)
691,358 886,041 
Royalty and operating expenses2,601,815 2,183,209 
Sancuso contribution$3,330,930 $2,667,731 
(1) The Sancuso inventory included in the costs of product sold during the period was acquired and paid for by Cumberland as part of the acquisition of the brand during 2022. The acquired inventory was completely sold by the end of the second quarter 2024.
Financial Impact of SancusoSince Acquisition
Net revenue$28,276,494 
Cost of products sold (1)
3,449,784 
Royalty and operating expenses10,179,664 
Sancuso contribution$14,647,046 
(1) The Sancuso inventory included in the costs of product sold during the period was acquired and paid for by Cumberland as part of the acquisition of the brand during 2022. The acquired inventory was completely sold by the end of the second quarter 2024.
Amortization. Amortization expense is the ratable use of our capitalized intangible assets including product and license rights, patents, trademarks and patent defense costs. Amortization for the nine months ended September 30, 2024, and nine months ended September 30, 2023, totaled approximately $3.3 million and $3.6 million, respectively. The decrease was attributable to a reduction to the valuation of Omeclamox acquisition recognized in December 2023.
Income taxes. Income tax expense for the nine months ended September 30, 2024, was $0.03 million, compared to the income tax expense recognized for the nine months ended September 30, 2023 of $0.02 million.
As of September 30, 2024, we had approximately $51.9 million in federal net operating loss carryforwards including approximately $44.1 million of net operating loss carryforwards resulting from the exercise of nonqualified stock options that have historically been used to significantly offset income tax obligations. We expect to continue to pay minimal income taxes during 2024 and beyond, through the continued utilization of these net operating loss carryforwards, on any taxable income generated from our operations.












31


LIQUIDITY AND CAPITAL RESOURCES
Working Capital
Our primary sources of liquidity are cash equivalents, cash flows from operations and the amounts borrowed under our line of credit. We believe that our internally generated cash flows, existing working capital and our line of credit will be adequate to finance internal growth, finance business development initiatives, and fund capital expenditures for the foreseeable future.
The following table summarizes our liquidity and working capital as of September 30, 2024 and December 31, 2023:
September 30, 2024December 31, 2023
Cash and cash equivalents$17,464,754 $18,321,624 
Working capital (current assets less current liabilities)$4,148,891 $7,732,161 
Current ratio (multiple of current assets to current liabilities)1.1 1.3 
Revolving line of credit availability$3,908,408 $7,215,856 
The following table summarizes our net changes in cash and cash equivalents for the nine months ended September 30, 2024 and September 30, 2023:
Nine months ended September 30,
20242023
Net cash provided by (used in):
Operating activities$(2,516,804)$5,053,700 
Investing activities84,651 (366,334)
Financing activities1,575,283 (5,937,371)
Net decrease in cash and cash equivalents$(856,870)$(1,250,005)
The net $0.9 million decrease in cash and cash equivalents for the nine months ended September 30, 2024, was primarily attributable to cash used in operating activities partially offset by cash provided by financing and investing activities.
Cash used in operating activities totaled $2.5 million for the nine months ended September 30, 2024, primarily due to the $4.5 million net loss, a $1.6 million increase in accounts receivable, a $0.7 million decrease in accounts payable and other accrued liabilities, a $0.9 million decrease in non-cash contingent consideration and a $0.4 million decrease in other long-term liabilities. This was partially offset by a $3.4 million increase in depreciation and amortization expense, a $1.1 million decrease in inventory and a $1.0 million decrease in other current assets and other assets.
Cash provided by financing activities totaled $1.6 million for the nine months ended September 30, 2024, primarily due to $3.3 million borrowings net on our line of credit, partially offset by the $1.3 million used for the payment of royalties on sales of Vibativ and Sancuso and the $0.5 million in cash used to repurchase shares of our common stock.
Debt Agreement
On September 5, 2023, the Company entered into a new Revolving Credit Loan Agreement with Pinnacle Bank. This facility provides for an aggregate principal funding amount of up to $25 million. The initial revolving line of credit is up to $20 million, with the ability for Cumberland to increase the amount to $25 million, under certain conditions. It has a three year term expiring on October 1, 2026. The interest rate is based on Benchmark (Term SOFR) plus a spread of 2.75%. Cumberland is subject to one financial covenant, the maintenance of a Funded Debt Ratio, determined on a quarterly basis. Borrowings under the line of credit are collateralized by substantially all of our assets.
On May 6, 2024, the Company entered into a First Amendment to the Loan Agreement which provides an alternative to the financial covenant by delivering to the lender a borrowing base certificate and complying with certain borrowing base requirements which set forth a maximum revolver amount equal to the lessor of (a) up to $20 million or (b) the sum of the Company's cash balances and eligible accounts receivable.
OFF-BALANCE SHEET ARRANGEMENTS
During the nine months ended September 30, 2024 and 2023, we did not engage in any off-balance sheet arrangements.
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Item 3. Quantitative and Qualitative Disclosures about Market Risk
Interest Rate Risk
We are exposed to market risk related to changes in interest rates on our cash on deposit in highly-liquid money market accounts and our revolving credit facility. We do not utilize derivative financial instruments or other market risk-sensitive instruments to manage exposure to interest rate changes. The main objective of our cash investment activities is to preserve principal while maximizing interest income through low-risk investments.
We believe that our interest rate risk related to our cash and cash equivalents is not material. The risk related to interest rates for these accounts would produce less income than expected if market interest rates fall. Based on current interest rates, we do not believe we are exposed to significant downside risk related to a change in interest on our money market accounts at September 30, 2024.
The interest rate risk related to borrowings under our line of credit was based on Term SOFR plus an interest rate spread. The pricing under the Loan Agreement provides for an interest rate spread of 1.75% to 2.75% above Term SOFR with a minimum Term SOFR of 0.90%. The applicable interest rate under the Loan Agreement was 8.000% at September 30, 2024. As of September 30, 2024, we had $16.1 million in borrowings outstanding under our revolving credit facility.
Exchange Rate Risk
While we operate primarily in the United States, we are exposed to foreign currency risk. Currently, we do not utilize financial instruments to hedge exposure to foreign currency fluctuations. We believe our exposure to foreign currency fluctuation is minimal as our purchases in foreign currency have a maximum exposure of 90 days based on invoice terms with a portion of the exposure being limited to 30 days based on the due date of the invoice. Foreign currency exchange gains and losses were immaterial for the nine months ended September 30, 2024 and 2023. Neither a five percent increase nor decrease from current exchange rates would have a material effect on our operating results or financial condition.
Item 4. Controls and Procedures
The Company’s management, with the participation of the Company’s Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the Company’s disclosure controls and procedures (as such term is defined in Rules 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the "Exchange Act")), as of the end of the period covered by this Quarterly Report on Form 10-Q. Based on such evaluation, the Company’s Chief Executive Officer and Chief Financial Officer have concluded that, as of the end of such period, the Company’s disclosure controls and procedures were effective to provide reasonable assurance that information required to be disclosed by the Company in the reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported, within the time periods specified in the SEC's rules and forms and is accumulated and communicated to the Company’s management, including its Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.
During the three months ended September 30, 2024, there has not been any change in our internal control over financial reporting that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.
33


PART II – OTHER INFORMATION
Item 1. Legal Proceedings
The information required by this item is incorporated by reference from Part I, Item 1. Financial Statements, Notes to Unaudited Condensed Consolidated Financial Statements, Note 9.
Item 1A. Risk Factors
In addition to the other information set forth in this quarterly report, an investor should consider the risk factors included in the Company's Annual Report on Form 10-K for the year ended December 31, 2023.
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds
Purchases of Equity Securities
We currently have a share repurchase program to purchase up to $10 million of our common stock pursuant to Rule 10b-18 of the Exchange Act. In January 2019, our Board of Directors established the current $10 million repurchase program to replace the prior authorizations for repurchases of our outstanding common stock.
The following table summarizes the activity, by month, during the three months ended September 30, 2024:
Period
Total Number of
Shares (or Units)
Purchased
Average
Price Paid
per Share
(or Unit)
Total Number of Shares (or Units) Purchased as Part of Publicly Announced Plans or Programs
Maximum number (or Approximate Dollar Value) of Shares (or Units) that May be Purchased Under the Publicly Announced Plans or Programs
July11,047 $1.5211,047 $2,615,314 
August37,363 (1)$1.4337,363 $2,562,044 
September24,037 $1.3424,037 $2,529,903 
Total72,447 
(1) Of this amount, 28,129 shares were repurchased directly in private purchases at the then-current fair market value of common stock.
Item 5. Other Information
Rule 10b5-1 Trading Plans
None of our directors or officers adopted, modified, or terminated a Rule 10b5–1 trading arrangement or a non-Rule 10b5-1 trading arrangement during the three months ended September 30, 2024, as such terms are defined under Item 408(a) of Regulation S-K.


34


Item 6. Exhibits
No.Description
31.1*
31.2*
32.1**
101.INS*INLINE XBRL INSTANCE DOCUMENT - THE INSTANCE DOCUMENT DOES NOT APPEAR IN THE INTERACTIVE DATA FILE BECAUSE ITS XBRL TAGS ARE EMBEDDED WITHIN THE INLINE XBRL DOCUMENT.
101.SCH*INLINE XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT
101.CAL*INLINE XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT
101.DEF*INLINE XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT
101.LAB*INLINE XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT
101.PRE*INLINE XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT
104COVER PAGE INTERACTIVE DATA FILE (FORMATTED AS INLINE XBRL AND CONTAINED IN EXHIBIT 101)
*Filed herewith.
**Furnished herewith.
35


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.
 
Cumberland Pharmaceuticals Inc.
Date:November 8, 2024By:/s/ John Hamm
 John Hamm
Chief Financial Officer and Duly Authorized Officer

36