HAVERTY FURNITURE COMPANIES INC

Annual Report on Form 10-K for the year ended December 31, 2025

FORWARD-LOOKING STATEMENTS

In addition to historical information, this document contains “forward-looking statements” – that is, statements related to future, not past, events. In this context, forward-looking statements often address our expected future business and financial performance and financial condition. These statements are within the meaning of Section 27A of the Securities Act of 1933 and Section 21F of the Securities Exchange Act of 1934.

Forward-looking statements include, but are not limited to:

•projections of sales or comparable store sales, gross profit, SG&A expenses, capital expenditures or other financial measures;

•descriptions of anticipated plans or objectives of our management for operations or products; including planned store openings and closures;

•forecasts of performance;

•anticipated impact on our business of macro-economic conditions; and

•assumptions regarding any of the foregoing.

Because these statements involve anticipated events or conditions, forward-looking statements often include words such as “anticipate,” “believe,” “estimate,” “expect,” “intend,” “plan,” “project,” “target,” “can,” “could,” “may,” “should,” “will,” “would,” or similar expressions.

These forward-looking statements are based upon assessments and assumptions of management in light of historical results and trends, current conditions and potential future developments that often involve judgment, estimates, assumptions and projections. Forward-looking statements reflect current views about our plans, strategies and prospects, which are based on information currently available.

Although we believe that our plans, intentions and expectations as reflected in or suggested by any forward-looking statements are reasonable, they are not guarantees. Actual results may differ materially from our anticipated results described or implied in our forward-looking statements, and such differences may be due to a variety of factors. Our business could also be affected by additional factors that are presently unknown to us or that we currently believe to be immaterial to our business. Important factors which could cause our actual results to differ materially from the forward-looking statements in this report include, but are not limited to, the following items, in addition to those matters described in the Risk Factors and Management’s Discussion and Analysis of Financial Condition and Results of Operations sections of this report:

•Competition from national, regional and local retailers of home furnishings;

•Our failure to anticipate changes in consumer preferences;

•Our ability to maintain and enhance our brand;

•Our ability to successfully implement our growth and other strategies;

•Our ability to locate our stores in suitable locations to attract customers;

•Importing a substantial portion of our merchandise from foreign sources (including the impact of tariffs);

•Our dependence on third-party producers to meet our requirements;

•Significant fluctuations and volatility in the cost of raw materials and components;

•Risks in our supply chain, including price, availability and quality of raw materials and components utilized in the products we sell and our ability to forecast our supply chain needs;

•A failure by our vendors to meet our quality control standards or comply with changes to the legislative or regulatory framework regarding product safety;

•Our reliance on third-party transportation vendors for product shipments from our suppliers;

•Damage to one of our distribution centers;

•Our reliance on information technology and any disruptions in our IT systems;

•The vulnerability of our information technology infrastructure to cyber-attacks, breaches and other disruptions;

•The effects of labor disruptions or labor shortages; and our ability to attract and retain key employees;

•The rise of oil and gasoline prices;

•Increased transportation costs;

•Changes in economic conditions such as consumer disposable income, fuel prices, inflation rates, recession and fears of recession, unemployment rates, interest rates, tax rates, consumer confidence, and changing government policies, laws and regulations;

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•Certain risks may not be fully covered by insurance;

•Failure to protect our intellectual property;

•Our ability to comply with all applicable laws and regulations;

•Pending or unforeseen litigation;

•Natural disasters, public health events, geopolitical instability or other disruptive events; and

•Other risks and uncertainties as may be detailed from time to time in our public announcements and Securities and Exchange Commission filings, including in Item 1A-Risk Factors of this report.

Discussed elsewhere in further detail in this report are some important risks, uncertainties and contingencies which could cause our actual results, performance or achievements to be materially different from any forward-looking statements made or implied in this report.

Forward-looking statements are only as of the date they are made and they might not be updated to reflect changes as they occur after the forward-looking statements are made. We assume no obligations to update publicly any forward-looking statements, whether as a result of new information, future events or otherwise. In evaluating forward-looking statements, you should consider these risks and uncertainties, together with the other risks described from time to time in our other reports and documents filed with the Securities and Exchange Commission, or SEC, and you should not place undue reliance on those statements.

We intend for any forward-looking statements to be covered by, and we claim the protection under, the safe harbor provisions for forward-looking statements contained in the Private Securities Litigation Reform Act of 1995.

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