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Tredegar Corporation

tg · NYSE Industrials
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Sector Industrials
Industry Manufacturing - Metal Fabrication
Employees 1500
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FY2020 Annual Report · Tredegar Corporation
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2020

A N N U A L   R E P O R T

 
 
 
 
 
2019

2020

$ 121.5
(9.6)
(20.2)

  91.7
(24.3)
(2.8)
0.1
(4.1)
(13.0)

$ 130.8
(14.6)
(20.4)

  95.8
(26.4)
(2.1)
0.0
(2.6)
(13.9)

47.6

50.8

(0.6)
8.5
14.9
(7.8)
—
(4.1)

(1.2)
(47.6)
—
(10.5)
(1.8)
(6.5)

$  58.5

$ (16.8)

$  1.42
$  1.76

$  1.51
$ (0.51)

12/31/19 12/31/20

$  78.0

$  29.7
2020

$  42.0
31.4

$ 134.0
11.8

$  10.6

$ 122.2

SUMMARY FINANCIAL INFORMATION

Years Ended December 31

($ in millions, except per-share data)
Income and expense relating to ongoing operations: 
  Total EBITDA for segments (a)
  Pension expense
  Corporate expenses

  Consolidated EBITDA from ongoing operations (“Consolidated EBITDA”) (b)
  Depreciation & amortization
  Stock option-based compensation costs

Interest income
Interest expense
Income taxes

Net income from ongoing operations (b)
After-tax effects of special items:
  Losses associated with plant shutdowns, asset impairments & restructuring
  Unrealized gain (loss) on investment in kaléo
  Cash dividend received from investment in kaléo
  Accelerated trade name amortization (2019) and goodwill impairment charge (2020)
  Loss on Sale of Bright View Technologies
  Other

150

200

Net income (loss) from continuing operations as reported under GAAP

100

800

700

600

500

400

300

200

100

0

Diluted earnings per share (EPS):
  Ongoing operations (b)
  Continuing operations, as reported under GAAP

2019

Fair value of investment in kaléo, net of tax
2020
Net Debt (c):
  Debt
  Less: Cash and cash equivalents

  Net Debt

NET SALES BY SEGMENT
($ in millions)

$797

50

0

2019

CONSOLIDATED EBITDA & EPS
FROM ONGOING OPERATIONS(a)(b)
($ in millions except EPS data)

$730

$1.42

530

456

133

134

2019

139

135

2020

$91.7

65.7

41.1

14.7
(9.6)
(20.2)

2019

$1.51

$95.8

55.1

45.1

30.6

(14.6)
(20.4)

2020

EPS From Ongoing Operations

Aluminum Extrusions 

PE Films

Flexible Packaging Films

Pension Expense

Ongoing Corporate Expenses

Notes:

(a)  Tredegar’s presentation of segment EBITDA from ongoing operations (“EBITDA”) aligns with key metrics used by the Chief Operating Decision Maker under Accounting 

Standards Codification (“ASC”) 280. For additional information, refer to the segment footnote within Tredegar’s consolidated financial statements.

(b)  Tredegar’s presentation of Consolidated EBITDA from ongoing operations, net income from ongoing operations and earnings per share from ongoing operations are non-GAAP 

financial measures that exclude the effects of special items, which Tredegar defines for this purpose as gains or losses associated with plant shutdowns, asset impairments,  
discontinued operations and restructurings, gains or losses from the sale of assets, goodwill impairment charges and other items (which includes unrealized gains and losses for 
an investment accounted for under the fair value method). Consolidated EBITDA from ongoing operations also excludes net interest expense, income taxes, depreciation & 
amortization and stock option-based compensation costs.

 Consolidated EBITDA from ongoing operations, net income from ongoing operations and earnings per share from ongoing operations are key financial and analytical measures 
used by management to gauge the operating performance of Tredegar’s ongoing operations, its borrowing capacity and its estimated enterprise value. They are not intended to 
represent the stand-alone results for Tredegar’s ongoing operations under GAAP and should not be considered as an alternative to cash flow, net income (loss) from continuing 
operations or earnings per share as defined by GAAP. A reconciliation is provided above of these ongoing non-GAAP measures to net income (loss) from continuing operations 
and earnings per share as reported under GAAP. EPS from ongoing operations represents net income from ongoing operations divided by GAAP diluted shares (33.4 million shares).

(c)  Tredegar’s presentation of Net Debt is not intended to represent total debt as defined by GAAP. Net debt is utilized by management in evaluating Tredegar’s financial leverage 

and equity valuation, and management believes that investors may also find Net Debt to be helpful for the same purpose.

 
 
 
 
 
 
 
 
Dear Shareholders,

John M. Steitz
President and Chief Executive Officer

I would like to start this letter with a note of 

Bonnell Aluminum, our largest business, suffered 

appreciation to our employees. I would normally 

the most from the pandemic with volume and 

save that for the close, but the pandemic calls 

EBITDA from ongoing operations declining by 

for something different.  Thank you to everyone 

10.5% and 16.1%, respectively. However, we believe 

on our team for keeping the lines running at 

that Bonnell outperformed its industry. In addition, 

our manufacturing facilities and getting our 

bookings and backlog are currently at historical 

essential products out the door to customers while 

highs, although this is partly due to pandemic-

maintaining health and safety as a top priority.  

related disruptions. Two of its primary markets, 

Job well done!

Our Businesses
Overall, our businesses performed well in 2020 

despite the pandemic and related business 

interruptions and staffing challenges. Consolidated 

EBITDA from ongoing operations was $95.8 million, 

up 4.5% from 2019.  

automotive and specialty aluminum extrusions, 

which comprised 38% of its sales volume in 2020, 

were hit especially hard early during the pandemic 

but started to rebound in the second half of the 

year. In contrast, aluminum extrusions serving 

non-residential building and construction (B&C) 

markets, which comprised 55% of Bonnell’s sales 

volume in 2020, held up until the fourth quarter 

when existing contracts were completed.    

1

ARCHITECTURE BILLINGS INDEX (ABI) JAN–96 TO JAN–21*
ARCHITECTURE BILLINGS INDEX (ABI) JAN–96 TO JAN–21*

COVID–19
Pandemic Starts
Mar. ’20

Great Recession
Dec. ’07–Jun. ’09

65.0

60.0

55.0

50.0

45.0

40.0

35.0

30.0

25.0

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* The ABI is published monthly by The American Institute of Architects (AIA). The ABI is a diffusion index and leading economic indicator that leads non-residential 

construction activity by approximately 9–12 months. An index score of 50 represents no change in firm billings from the previous month, a score above 50  
indicates an increase in firm billings from the previous month, and a score below 50 indicates a decline in firm billings from the previous month.

One of the key leading indicators that we follow 
One of the key leading indicators that we follow 

Our Surface Protection business, which is now the 
Our Surface Protection business, which is now the 

for non-residential B&C is the Architecture Billings 
for non-residential B&C is the Architecture Billings 

bulk of the PE Films segment with the successful 
bulk of the PE Films segment with the successful 

Index or ABI. With an ABI of 44.9 in January 2021, 
Index or ABI. With an ABI of 44.9 in January 2021, 

sale of our Personal Care Films business at the 
sale of our Personal Care Films business at the 

we continue to expect a contraction in the non-
we continue to expect a contraction in the non-

end of October, experienced record level EBITDA 
end of October, experienced record level EBITDA 

residential B&C market in 2021. We hope that 
residential B&C market in 2021. We hope that 

from ongoing operations in 2020. However, after 
from ongoing operations in 2020. However, after 

this will at least be partially offset by a continued 
this will at least be partially offset by a continued 

several years of delay in a previously disclosed 
several years of delay in a previously disclosed 

recovery in automotive and specialty markets. 
recovery in automotive and specialty markets. 

significant customer product transition, it now 
significant customer product transition, it now 

Long-term behavioral shifts from the pandemic 
Long-term behavioral shifts from the pandemic 

appears that most of the adverse impact of the 
appears that most of the adverse impact of the 

that might impact our markets remain to be seen.
that might impact our markets remain to be seen.

transition will hit us in 2021. As a result, we 
transition will hit us in 2021. As a result, we 

2
2

estimate that Surface Protection’s EBITDA from 

was driven by a combination of improvement in 

ongoing operations could decline by $18 million 

costs and product mix and 7% volume growth. 

in 2021 versus 2020, and $4 million in 2022 versus 

Employee surveys and performance confirm the 

2021. To offset the expected adverse impact, the 

cultural and leadership excellence in this business 

Surface Protection team has been aggressively 

unit, and Terphane’s products and customer 

pursuing and making progress in generating 

service have flourished during the pandemic. It is 

contribution from sales from new surface 

a market leader both geographically in Brazil and 

protection products, applications and customers. 

Latin America and in Western Europe and North 

Annual contribution to EBITDA from ongoing 

America for clear barrier and sealable products. 

operations for PE Films from surface protection 

Its EcophaneTM line of environmentally friendly 

products unrelated to the customer product 

products are manufactured with resin from 

transition has increased since 2018  

post-consumer recycled materials approved for 

by approximately $12 million. Opportunities  

contact with food. While we anticipate another 

for continued growth include targeted 

good year in 2021, we are keeping a watchful eye 

specialized applications for automotive displays, 

on the current review by authorities in Brazil for 

semiconductors and advanced-technology 

a five-year extension of anti-dumping duties on 

smartphones and displays, among others. The 

products imported from China, India and Egypt. 

Surface Protection team is also very focused 

This review by Brazilian authorities is expected to 

on continuous process improvement efforts, 

be completed by June 2021.

including implementing cost savings measures. 

Terphane, our flexible packaging films business, 

Returning Cash to Shareholders
In December 2020, we declared and paid a special 

had a spectacular year in 2020. EBITDA from 

dividend to shareholders of $200 million or $5.97 

ongoing operations of $30.6 million in 2020, which 

per share. The sources for the cash used to pay 

was more than double the level achieved in 2019, 

this special dividend included a combination of 

3

120

100

80

60

40

20

0

12/31/19

3/31/20

6/30/20

9/30/20

12/31/20

QUARTERLY NET DEBT (CASH) TRENDS
($ in millions, except per-share data)

$122.2

•  Proceeds from sale of Personal Care Films 

business on 10/31/20 through 12/31/20 of $55

•  Special dividend to shareholders paid in 
December 2020 of $200 or $5.97 per share

$10.6

$7.9

12/31/19

3/31/20

12/31/20

$(5.9)
6/30/20

$(28.0)
9/30/20

cash on hand, the proceeds from the sale of the 

Personal Care Films business and borrowings, 

which reflect the prudent use of financial leverage  

in a low interest rate environment while preserving  

available capital to meet the needs of our business  

units. The sale of the Personal Care Films business 

to affiliates of Fitesa S.A., a leading global 

manufacturer of nonwovens and innovative 

solutions for hygiene and healthcare markets, 

recognized that we were no longer the best owner 

of this business.  

Looking forward and despite the pandemic, we 

remain committed to the five principles of the 

Tredegar Way for driving shareholder value: top 

line growth, margin optimization, velocity (strong 

cash generation, working capital optimization and 

speed to market), new investment and leadership. 

John M. Steitz

President and Chief Executive Officer

All statements other than statements of historical facts contained in this letter, including statements regarding our plans, objectives and goals, and future events or results, are  
forward-looking statements. See “Forward-looking and Cautionary Statements” on page 18 of the accompanying Annual Report on Form 10-K.

4

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 10-K

x

ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2020

OR

¨

TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from              to             

Commission File Number 1-10258

TREDEGAR CORPORATION
(Exact name of registrant as specified in its charter)

Virginia

(State or other jurisdiction
of incorporation or organization)

1100 Boulders Parkway,

Richmond,  Virginia

(Address of principal executive offices)

54-1497771

(I.R.S. Employer
Identification No.)

23225
(Zip Code)

Registrant’s telephone number, including area code: 804-330-1000
Securities registered pursuant to Section 12(b) of the Act:

Title of each class
Common Stock

Trading Symbol
TG

Name of each exchange on which registered
New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act:

None

(Title of class)

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.    Yes  ¨    No  x
Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.    Yes  ¨    No  x
Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 
months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    Yes  x	
No  ¨
Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 
232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).    Yes  x    No  ¨

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth 
company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

Large accelerated filer

Non-accelerated filer

o

o 

Accelerated filer

x Smaller reporting company

Emerging growth company

o

o

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial 
accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ¨

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial 
reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.  x

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act).    Yes  ¨    No  x

Aggregate market value of voting and non-voting common equity held by non-affiliates of the registrant as of June 30, 2020 (the last business day of the registrant’s most 
recently completed second fiscal quarter): $406,328,122*

Number of shares of Common Stock outstanding as of March 12, 2021:  33,537,892

*

In determining this figure, an aggregate of 7,133,634 shares of Common Stock beneficially owned by Floyd D. Gottwald, Jr., John D. Gottwald, William M. 
Gottwald and the members of their immediate families has been excluded because the shares are deemed to be held by affiliates.  The aggregate market value has 
been computed based on the closing price in the New York Stock Exchange on June 30, 2020.

Documents Incorporated By Reference

Portions of the Tredegar Corporation Proxy Statement for the 2021 Annual Meeting of Shareholders (the “Proxy Statement”) are incorporated by reference into Part III 

of this Form 10-K.

 
Index to Annual Report on Form 10-K
Year Ended December 31, 2020

Part I
Item 1.

Business

Item 1A. Risk Factors

Item 1B. Unresolved Staff Comments

Item 2.

Properties

Item 3.

Legal Proceedings

Item 4. Mine Safety Disclosures

Part II
Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity 

Securities
Selected Financial Data

Item 6.

Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

Item 7A. Quantitative and Qualitative Disclosures About Market Risk

Item 8.

Financial Statements and Supplementary Data

Item 9.

Changes In and Disagreements With Accountants on Accounting and Financial Disclosure

Item 9A. Controls and Procedures

Item 9B. Other Information

Part III
Item 10. Directors, Executive Officers and Corporate Governance

Item 11. Executive Compensation

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Item 13. Certain Relationships and Related Transactions, and Director Independence

Item 14. Principal Accounting Fees and Services

Part IV
Item 15. Exhibits and Financial Statement Schedules

Item 16. Form 10-K Summary

Page

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42

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43

44

85

 
 
 
Item 1.  BUSINESS

Description of Business

PART I

Tredegar Corporation (“Tredegar”) is engaged, through its subsidiaries, in the manufacture of aluminum extrusions, 
polyethylene (“PE”) plastic films and polyester (“PET”) films.  Unless the context requires otherwise, all references herein to 
“Tredegar,” “the Company,” “we,” “us” or “our” are to Tredegar Corporation and its consolidated subsidiaries. 

The Company's reportable business segments are Aluminum Extrusions, PE Films and Flexible Packaging Films.

On October 30, 2020, the Company completed the sale of its personal care films business (“Personal Care Films”). The 
transaction excluded the packaging film lines and related operations located at the Pottsville, Pennsylvania manufacturing site 
(“Pottsville Packaging”), which are now being reported within the Surface Protection component of PE Films. Commencing in 
the third quarter of 2020, all historical results for Personal Care Films have been presented as discontinued operations.  

In December 2020, the Company entered into a definitive agreement and completed the sale of Bright View Technologies 

(“Bright View”).  The sale does not represent a strategic shift nor does it have a major effect on the Company’s historical and 
ongoing operations, thus all financial information for Bright View has been presented as continuing operations.  Bright View 
historically has been reported in the PE Films segment.

For more information on these transactions, see Note 2 “Discontinued Operations” to the Consolidated Financial 

Statements included in Item 15. “Exhibits and Financial Statement Schedules” of this Form 10-K (“Item 15”).

Aluminum Extrusions

Aluminum Extrusions, also referred to as Bonnell Aluminum, produces high-quality, soft-alloy and medium-strength 
custom fabricated and finished aluminum extrusions for the building and construction, automotive and transportation, consumer 
durables, machinery and equipment, electrical and renewable energy, and distribution markets. Bonnell Aluminum has 
manufacturing facilities located in the United States (“U.S.”).

Aluminum Extrusions manufactures mill (unfinished), machined, anodized and painted (finished) and fabricated 
aluminum extrusions for sale directly to fabricators and distributors.  It also sells branded aluminum flooring trims under its 
Futura TransitionsTM line and aluminum framing systems under its TSLOTSTM line.  Aluminum Extrusions competes primarily 
on the basis of product quality, service and price.  Sales are made predominantly in the U.S. 

The end-uses in each of Aluminum Extrusions’ primary market segments include:

Major Markets

End-Uses

Building & construction nonresidential

Building & construction - residential

Automotive and transportation

Consumer durables

Machinery & equipment

Distribution (metal service centers specializing in stock and 
release programs and custom fabrications to small 
manufacturers)
Electrical and renewable energy

Commercial windows and doors, curtain walls, storefronts 
and entrances, automatic entry doors, walkway covers, 
ducts, louvers and vents, office wall panels, partitions and 
interior enclosures, acoustical walls and ceilings, point of 
purchase displays, pre-engineered structures, and flooring 
trims (Futura TransitionsTM)
Residential windows and doors, shower and tub enclosures, 
railing and support systems, venetian blinds, and swimming 
pools
Automotive and light truck structural components, spare 
parts, after-market automotive accessories, grills for heavy 
trucks, travel trailers and recreation vehicles
Furniture, pleasure boats, refrigerators and freezers, 
appliances and sporting goods
Material handling equipment, conveyors and conveying 
systems, medical equipment, and aluminum framing 
systems (TSLOTSTM)
Various custom profiles including storm shutters, pleasure 
boat accessories, theater set structures and various standard 
profiles (including rod, bar, tube and pipe)
Lighting fixtures, electronic apparatus, solar panel brackets, 
and rigid and flexible conduits

1

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Aluminum Extrusions’ net sales (sales less freight) by market segment for the three years ended December 31, 2020 is 

shown below: 

% of Aluminum Extrusions Net Sales by Market Segment

Building and construction:

Nonresidential

Residential

Automotive

Specialty:

Consumer durables

Machinery & equipment

Electrical

Distribution

Total

2020

56%

9%

8%

10%

7%

4%

6%

100%

2019

51%

8%

9%

11%

7%

7%

7%

2018

51%

8%

8%

12%

7%

7%

7%

100%

100%

In 2020, 2019 and 2018, nonresidential building and construction accounted for approximately 35%, 34% and 35% of 

Tredegar’s consolidated net sales, respectively.

Raw Materials. The primary raw materials used by Aluminum Extrusions consist of aluminum ingot, aluminum scrap and 
various alloys, which are purchased from domestic and foreign producers in open-market purchases and under annual contracts.  
Aluminum Extrusions believes that it has adequate supply agreements for aluminum and other required raw materials and 
supplies in the foreseeable future.

PE Films

PE Films is composed of surface protection films, polyethylene overwrap films and films for other markets.  Tredegar’s 

Surface Protection unit produces single- and multi-layer surface protection films sold under the UltraMask®, ForceField™, 
ForceField PEARL® and Pearl A™ brand names.  These films, which are manufactured at facilities in the U.S. and China, 
support manufacturers of optical and other specialty substrates used in high-technology applications, most notably protecting 
high-value components of flat panel and flexible displays used in televisions, monitors, notebooks, smartphones, tablets, e-
readers, automobiles and digital signage, during the manufacturing and transportation process.  In 2020, 2019 and 2018, surface 
protection films accounted for approximately 15%, 13% and 12% of Tredegar’s consolidated net sales, respectively.

In October 2020, the Surface Protection unit assumed responsibility for Pottsville Packaging, which was previously 

reported within the Personal Care component of PE Films.  Pottsville Packaging produces thin-gauge films as overwrap for 
bathroom tissue and paper towels.  

Raw Materials. The primary raw materials used by PE Films are polyethylene and polypropylene resins.  These raw materials 
are obtained from domestic and foreign suppliers at competitive prices.  PE Films believes that there will be an adequate supply 
of polyethylene and polypropylene resins in the foreseeable future.  

Customers. PE Films’ products are sold primarily in the U.S. and Asia, with the top four customers, collectively, comprising 
84%, 86% and 86% of its net sales in 2020, 2019 and 2018, respectively.  No single PE Films customer exceeds 10% of 
Tredegar’s consolidated net sales.  For additional information, see Item 1A. “Risk Factors” of this Form 10-K (“Item 1A”).

Flexible Packaging Films

Flexible Packaging Films is comprised of Terphane Holdings LLC (“Terphane”).  Flexible Packaging Films produces 
PET-based films for use in packaging applications that have specialized properties, such as heat resistance, strength, barrier 
protection and the ability to accept high-quality print graphics.  These differentiated, high-value films are primarily 
manufactured in Brazil and sold in Latin America and the U.S. under the Terphane® and Sealphane® brand names.  Major end 
uses include food packaging and industrial applications.  Flexible Packaging Films competes in all of its markets on the basis of 
product quality, service and price.

Raw Materials. The primary raw materials used by Flexible Packaging Films to produce polyester resins are purified 
terephthalic acid (“PTA”) and monoethylene glycol (“MEG”).  Flexible Packaging Films also purchases additional polyester 
resins directly from suppliers.  These raw materials are obtained from Brazilian and foreign suppliers at competitive prices.  
Flexible Packaging Films believes that there will be an adequate supply of polyester resins, PTA and MEG in the foreseeable 
future. 

2

 
 
General

Intellectual Property. Tredegar considers patents, licenses and trademarks to be material to PE Films.  On December 31, 2020, 
PE Films held 54 patents (including 4 U.S. patents), and 82 registered trademarks (including 4 U.S. registered trademarks).  
Flexible Packaging Films held 1 U.S. patent and 15 registered trademarks (including 2 U.S. registered trademarks).  Aluminum 
Extrusions held no U.S. patents and 4 U.S. registered trademarks. As of December 31, 2020, these patents had remaining terms 
of 3.5 to 15.5 years. 

Research and Development. Tredegar’s spending for research and development (“R&D”) activities in 2020, 2019 and 2018 
was primarily related to PE Films.  R&D spending by the Company was approximately $8.4 million, $7.9 million and $6.7 
million in 2020, 2019 and 2018, respectively. 

Backlog. Overall backlog in Aluminum Extrusions was approximately $74.2 million at December 31, 2020 compared to 
approximately $52.8 million at December 31, 2019, an increase of $21.4 million, or approximately 41%.  Backlogs are not 
material to the operations in PE Films or Flexible Packaging Films.  Net sales for Aluminum Extrusions, which the Company 
believes are cyclical in nature, were $455.7 million in 2020, $529.6 million in 2019 and $573.1 million in 2018. 

Government Regulation.  The Company’s operations are subject to various local, state, federal and foreign government 
regulations, including environmental, privacy and anti-corruption and anti-bribery laws and regulations.

U.S. laws concerning the environment to which the Company’s domestic operations are or may be subject to include the 

Clean Water Act, the Clean Air Act, the Resource Conservation and Recovery Act, the Occupational Safety and Health Act, the 
National Environmental Policy Act, the Toxic Substances Control Act, the Comprehensive Environmental Response, 
Compensation and Liability Act (“CERCLA”), regulations promulgated under these acts, and other federal, state or local laws 
or regulations governing environmental matters.  Compliance with these laws is an important consideration because Tredegar 
uses hazardous materials in some of its operations, is a generator of hazardous waste, and wastewater from the Company’s 
operations is discharged to various types of wastewater management systems.  Under CERCLA and other laws, Tredegar may 
be subject to financial exposure for costs associated with waste management and disposal, even if the Company fully complies 
with applicable environmental laws.

The U.S. Environmental Protection Agency has adopted regulations under the Clean Air Act relating to emissions of 

carbon dioxide and other greenhouse gases (“GHG”), including mandatory reporting and permitting requirements. Several of 
the Company’s manufacturing operations result in emissions of carbon dioxide or GHG and are subject to the current GHG 
regulations.  The Company’s compliance with these regulations has yet to require significant capital expenditures; however, 
environmental standards tend to become more stringent over time.  Therefore, in order to comply with current or future 
environmental legislation or regulations, the Company may be subject to additional capital expenditures, operating expenses or 
other compliance costs, the amounts and timing of which are not presently determinable but which could be significant, 
including constructing new facilities or modifying existing facilities.

For further discussion regarding certain privacy and anti-corruption and anti-bribery laws and regulations to which the 

Company is subject, see Item 1A. Risk Factors below.  Like environmental regulations, current or future privacy and anti-
corruption and anti-bribery legislation or regulations may subject the Company to additional capital expenditures, operating 
expenses or other compliance costs, the amounts and timing of which are not presently determinable but could be significant.  
Finally, any failure to comply with current or future laws and regulations could subject Tredegar to substantial penalties, fines, 
costs and expenses.

Human Capital Management.  Tredegar employed approximately 2,400 people at December 31, 2020 located in the U.S., 
Brazil, and Asia.  Approximately 34% of the Company’s employees are represented by labor unions located in the U.S. and 
Brazil under various collective bargaining agreements with varying durations and expiration dates.  Generally, the total number 
of employees of Tredegar does not significantly fluctuate throughout the year.  However, acquisition or divestiture activity, or 
changes in the level of business activity may impact employee levels.   

The Company believes its employees are its most valuable asset and are critical to the success of the Company.  Tredegar 

strictly complies with all applicable state, local and international laws governing nondiscrimination in employment in every 
location where Tredegar and its businesses have facilities to ensure healthy and positive working conditions.  This applies to all 
terms and conditions of employment, including recruiting, hiring, job assignments, promotion, termination, layoff, recall, 
transfer, leaves of absence, compensation and training.  All applicants and employees are treated with the same high level of 
respect regardless of their race, creed, color, religion, sex, sexual orientation, gender identity, age, pregnancy, national origin, 
ethnicity, political affiliation, union membership, marital status, citizenship status, veteran status, disability or other protected 
category.  Employees who experience or witness discriminatory behavior are encouraged to report such behavior to their 
supervisor, Human Resources or Tredegar’s toll-free anonymous reporting hotline.  Additionally, the Company spends 
significant resources in developing its employees.  Among the five core principles of the “The Tredegar Way” that the 
Company uses to guide its organization, the “Leadership” principle is focused on building a team of motivated and engaged 
leaders at every level of the Company.  Each business unit has identified specific action plans to promote the Leadership 

3

principle among its employees.  Action plans include talent development, skills training, reinforcement of strong cultural 
values, and robust systems to ensure a safe working environment.

The Company seeks to retain employees by offering competitive wages, benefits and training opportunities.  To assess 

and monitor employee retention and engagement, the Company surveys employees and takes actions to address areas of 
employee concern.  The annual employee engagement survey results are presented to Tredegar’s Board of Directors (“Board”).  
Additionally, the objectives of our executive compensation programs are to attract, motivate and retain highly qualified 
executive officers.  To accomplish these objectives, we rely on a pay strategy that emphasizes performance-based compensation 
through annual and long-term incentives.  We believe that this pay strategy creates a strong link between pay and performance 
and aligns with our business strategy of generating strong operating results and shareholder value creation while controlling 
fixed costs.  

We are committed to holistically supporting our employees both at work and in their communities by:

Strictly following all applicable health, safety and non-discrimination laws in each country;

Promoting the highest standards for employee health and safety through innovative programs; and 

Providing opportunities for community outreach and supporting programs that enhance the lives of children and 
families.

•

•

•

The Company uses various forms of employee safety metrics to assess the health and safety performance of its Aluminum 

Extrusions, PE Films and Flexible Packaging operations, including employee safety data which is available on its website at 
https://tredegar.com/about-tredegar/committed-to-our-employees.  Tredegar has also instituted additional safety precautions 
during the ongoing COVID-19 pandemic as described in "The Impact of COVID-19" included in Item 7. "Management’s 
Discussion and Analysis of Financial Condition and Results of Operations" of this Form 10-K (“Item 7”).

Information About Our Executive Officers.  See Item 10. “Directors, Executive Officers and Corporate Governance” of this 
Form 10-K.

Available Information and Corporate Governance Documents. Tredegar’s website address is www.tredegar.com.  The 
Company makes available, through its website, its annual report on Form 10-K, quarterly reports on Form 10-Q, current reports 
on Form 8-K and amendments to those reports filed or furnished pursuant to Section 13(a) or 15(d) of the Securities Exchange 
Act of 1934, as amended (the “Exchange Act”), as soon as reasonably practicable after such documents are electronically filed 
with, or furnished to, the Securities and Exchange Commission (“SEC”).  Information filed electronically with the SEC can be 
accessed on its website at www.sec.gov.  In addition, the Company’s Corporate Governance Guidelines, Code of Conduct, the 
charters of the Audit, Executive Compensation, and Nominating and Governance Committees and many other corporate 
policies are available on Tredegar’s website and are available in print to any shareholder upon request by contacting Tredegar’s 
Corporate Secretary at 1100 Boulders Parkway, Richmond, Virginia 23225.  The information on or that can be accessed 
through the Company’s website is not, and shall not be deemed to be, a part of this Annual Report on Form 10-K for the year 
ended December 31, 2020 (“Form 10-K”) or incorporated into other filings it makes with the SEC. 

Item 1A.  RISK FACTORS

There are a number of risks and uncertainties that could have a material adverse effect on the Company’s consolidated 
financial condition, results of operations or cash flows.  The following risk factors should be considered, in addition to the other 
information included in this Form 10-K, when evaluating Tredegar and its businesses.

Risks Related to Aluminum Extrusions

•

•

Sales volume and profitability of Aluminum Extrusions is cyclical and seasonal and highly dependent on economic 
conditions of end-use markets in the U.S., particularly in the construction sector.  Aluminum Extrusions’ end-use 
markets can be cyclical and subject to seasonal swings in volume, and have been adversely impacted during the 
coronavirus pandemic (“COVID-19”).  Because of the capital intensive nature and level of fixed costs inherent in the 
aluminum extrusions business, the percentage drop in earnings before interest, taxes, depreciation and amortization 
(“EBITDA”) from ongiong operations in a cyclical downturn will likely exceed the percentage drop in volume.  In 
addition, during an economic slowdown, excess industry capacity often drives increased pricing pressure in many end-use 
markets as competitors seek to protect their position with key customers.  Any benefits associated with cost reductions 
and productivity improvements may not be sufficient to offset the adverse effects on profitability from pricing and margin 
pressure and higher bad debts (including a greater chance of loss associated with customers defaulting on fixed-price 
forward sales contracts) that usually accompany a downturn.  In addition, higher energy costs can reduce profits unless 
offset by price increases or cost reductions and productivity improvements.

Failure to prevent competitors from evading anti-dumping and countervailing duties, or a reduction in such duties, 
could adversely impact Aluminum Extrusions.  Effective April 25, 2017, the anti-dumping duty and countervailing duty 
orders on aluminum extrusions were extended for a period of five years.  The orders will be reviewed again beginning in 

4

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•

•

March 2022. Chinese and other overseas manufacturers continue to try to evade the anti-dumping and countervailing 
orders to avoid duties. A failure by, or the inability of, U.S. trade officials to curtail the evasion of these duties, or the 
potential reduction of applicable duties pursuant to annual administrative reviews of the orders by the Department of 
Commerce, could have a material adverse effect on the financial condition, results of operations and cash flows of 
Aluminum Extrusions.

The duty-free importation of goods allowed under the United States-Mexico-Canada Agreement (“USMCA”) could 
result in lower demand for aluminum extrusions made in the U.S., which could materially and negatively affect 
Bonnell Aluminum’s business and results of operations.  In March 2018, the U.S. imposed tariffs of 10% on aluminum 
ingot and semi-finished aluminum imported in the U.S. from certain countries, including countries from which Bonnell 
Aluminum has historically sourced aluminum products.  In September 2019, the U.S., Canada and Mexico entered into 
the USMCA.  As a result of the 10% tariffs on aluminum ingot imported to the U.S. and the duty-free importation of 
goods allowed under USMCA, aluminum extrusions made in Canada and Mexico are free of the 10% tariff and can now 
be imported into and sold in the U.S. at very competitive prices.  This could result in lower demand for aluminum 
extrusions made in the U.S., which could materially and negatively affect Bonnell Aluminum’s business and results of 
operations. 

Competition from China could increase significantly if China is granted market economy status by the World Trade 
Organization.  China launched a formal complaint to the World Trade Organization (“WTO”) challenging its non-market 
economy status, claiming that as of December 11, 2016, China’s transition period as a non-market economy under its 
Accession Protocol to the WTO ended.  China believes with respect to all Chinese-made products that it should receive 
market economy status and the rights attendant to that status under WTO rules.  The U.S. and the European Union have 
each rejected that interpretation.  If China is granted market economy status by the WTO, the extent to which the U.S. 
anti-dumping laws will be able to limit unfair trade practices from China will likely be limited because the U.S. 
government will be forced to utilize Chinese prices and costs that do not reflect market principles in anti-dumping duty 
investigations involving China, which could ultimately limit the level of anti-dumping duties applied to unfairly traded 
Chinese imports.  The volume of unfairly traded imports of Chinese aluminum extrusions could increase as a result and 
this, in turn, would likely create substantial pricing pressure on Aluminum Extrusions’ products and could have a material 
adverse effect on the financial condition, results of operations and cash flows of Aluminum Extrusions.  In June 2019, at 
China’s request, after certain preliminary rulings in the case went against the Chinese position, the WTO indefinitely 
suspended the proceedings on the Chinese WTO complaint.

The markets for Aluminum Extrusions’ products are highly competitive with product quality, service, delivery 
performance and price being the principal competitive factors.  Aluminum Extrusions has approximately 1,450 
customers that are in a variety of end-use markets within the broad categories of building and construction, distribution, 
automotive and other transportation, machinery and equipment, electrical and consumer durables.  No single Aluminum 
Extrusions’ customer exceeds 4% of consolidated net sales. Future success and prospects depend on Aluminum 
Extrusions’ ability to provide superior service, high quality products, timely delivery and competitive pricing to retain 
existing customers and participate in overall industry cross-cycle growth.  Failure in any of these areas could lead to a loss 
of customers, which could have an adverse material effect on the financial condition, results of operations and cash flows 
of Aluminum Extrusions.

Risks Related to PE Films

•

PE Films is highly dependent on sales associated with relatively few large customers.  PE Films’ top four customers 
comprised approximately 16%, 14% and 13% of Tredegar’s consolidated net sales in 2020, 2019 and 2018, respectively.  
The loss or significant reduction of sales associated with one or more of these customers without replacement by new 
business could have a material adverse effect on the Company.

Additionally, PE Films anticipates that a portion of its film products used in surface protection applications could be made 
obsolete by possible future customer product transitions to less costly alternative processes or materials.  These transitions 
principally relate to one customer.  The Company believes that previously reported delays in this customer's transitions 
were recently resolved by the customer and much of the remaining transitions could occur by the end of 2021.  Under this 
scenario, the Company estimates that the contribution to EBITDA from ongoing operations for PE Films could decline 
due to the remaining customer product transitions by $18 million in 2021 versus 2020 and $4 million in 2022 versus 2021. 
To offset the expected adverse impact, the Company is aggressively pursuing and making progress in generating 
contribution from sales from new surface protection products, applications and customers and implementing cost savings 
measures. Annual contribution to EBITDA from ongoing operations for PE Films on surface protection products 
unrelated to the customer product transitions has increased since 2018 by approximately $12 million.

While PE Films is undertaking efforts to expand its customer base, there can be no assurance that such efforts will be 
successful, or that they will offset any loss of sales and profits associated with customer transitions and other large 
customer declines. 

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•

•

•

•

Failure of PE Films’ customers, who are subject to cyclical downturns, to achieve success or maintain market share 
could adversely impact PE Films’ sales and operating margins.  PE Films’ plastic films are used in the production of 
various consumer products sold worldwide.  A customer’s ability to successfully develop, manufacture and market those 
products is integral to PE Films’ success.  Cyclical downturns and changing consumer preferences may negatively affect 
businesses that use PE Films’ plastic film products, which could adversely affect sales and operating margins. Other 
factors that could adversely affect the business include (i) failure by a key customer to achieve success or maintain share 
in markets in which they sell products containing PE Films’ materials, including as a result of customer preferences for 
products other than plastics, (ii) key customers using products developed by others that replace PE Films’ business with 
such customers, (iii) delays in a key customer rolling out products utilizing new technologies developed by PE Films, and 
(iv) operational decisions by a key customer that result in component substitution, inventory reductions and similar 
changes.  

The Company’s inability to protect its intellectual property rights or its infringement of the intellectual property rights 
of others could have a material adverse impact on PE Films.  The continued success of the PE Films’ business depends 
on its ability not only to protect its own technologies and trade secrets, but also to develop and sell new products that do 
not infringe upon existing patents.  Intellectual property litigation is very costly and could result in substantial expense 
and diversions of Company resources, both of which could adversely affect its consolidated financial condition, results of 
operations and cash flows.  In addition, there may be no effective legal recourse against infringement of the Company’s 
intellectual property by third parties, whether due to limitations on enforcement of rights in foreign jurisdictions or as a 
result of other factors. 

Disruptions to PE Films’ supply chain could have a material adverse impact on PE Films.  Certain raw materials used 
in manufacturing PE Films’ products are sourced from single suppliers, and PE Films may not be able to quickly or 
inexpensively re-source from other suppliers.  The risk of damage or disruption to its supply chain may increase if and 
when different suppliers consolidate their product portfolios, experience financial distress or disruption of manufacturing 
operations (such as, for example, the impact of hurricanes on petrochemical production).  Failure to take adequate steps to 
effectively manage such events, which are intensified when a product is procured from a single supplier or location, could 
adversely affect PE Films’ consolidated financial condition, results of operations and cash flows, and also require 
additional resources to restore its supply chain.

Rising trade tensions could cause an increase in the cost of PE Films’ products or otherwise negatively impact the 
Company.  A portion of PE Film’s business involves imports to and from the U.S. and other countries where the 
Company produces and sells its products.  Trade tensions have been rising between the U.S. and other countries, 
particularly China.  An increase in tariffs and other trade barriers between the U.S. and China, or between the U.S. and 
other countries, could cause an increase in the cost of PE Films’ products or otherwise negatively impact the production 
and sale of the Company’s products in world markets.

Risks Related to Flexible Packaging Films

•

•

Overcapacity in Latin American polyester film production and a history of uncertain economic conditions in Brazil 
could adversely impact the financial condition, results of operations and cash flows of Flexible Packaging Films.  For 
flexible packaging films produced in Brazil, selling prices and key raw material costs are principally determined in U.S. 
Dollars and are impacted by local economic conditions and local and global competitive dynamics. Flexible Packaging 
Films is exposed to foreign exchange translation risk (its functional currency is the Brazilian Real) because almost 90% of 
the sales of Flexible Packaging Films business unit in Brazil (“Terphane Ltda.”) and substantially all of its related raw 
material costs are quoted or priced in U.S. Dollars while its variable conversion, fixed conversion and sales, general and 
administrative costs before depreciation & amortization (collectively “Terphane Ltda. Operating Costs”) are quoted or 
priced in Brazilian Real. This mismatch, together with a variety of economic variables impacting currency exchange rates, 
causes volatility that could negatively or positively impact EBITDA from ongoing operations for Flexible Packaging 
Films.  While Flexible Packaging Films hedges this exposure on a short-term basis with foreign exchange forward rate 
contracts, the exposure continues to exist beyond the hedging periods.

Governmental failure to extend anti-dumping duties in Brazil on imported products or prevent competitors from 
circumventing such duties could adversely impact Flexible Packaging Films.  In recent years, excess global capacity in 
the industry has led to increased competitive pressures from imports into Brazil.  The Company believes that these 
conditions have shifted the competitive environment from a regional to a global landscape and have driven price 
convergence and lower product margins for Flexible Packaging Films.  Favorable anti-dumping rulings or countervailing 
duties are in effect for products imported from China, Egypt, India, Mexico, United Arab Emirates, Turkey, Peru and 
Bahrain.  Competitors not currently subject to anti-dumping duties may choose to utilize their excess capacity by selling 
product in Brazil, which may result in pricing pressures that Flexible Packaging Films may not be able to offset with cost 
savings measures and/or manufacturing efficiency initiatives.  Brazilian authorities initiated an investigation for sunset 
review on anti-dumping rulings against China, India and Egypt and extended duties that would have expired in 2020 for 

6

one year. There can be no assurance that efforts to extend anti-dumping duties beyond 2021 on products imported from 
China, India, Egypt and other countries will be successful.

Risks Related to all Tredegar Businesses

•

•

•

The Company has identified material weaknesses in its internal control over financial reporting.  The Company’s 
failure to establish and maintain effective internal control over financial reporting and to maintain effective disclosure 
controls and procedures increases the risk of a material misstatement in its consolidated financial statements, and its 
failure to meet its reporting and financial obligations, could, in turn, have a negative impact on its financial condition.  
Maintaining effective internal control over financial reporting is an integral part of producing reliable financial statements.  
As discussed in Item 9A. “Controls and Procedures” of this Form 10-K (“Item 9A”), the Company’s management 
concluded that the Company’s internal control over financial reporting was not effective for the periods referred to therein 
as a result of certain deficiencies that were determined to constitute material weaknesses in the Company’s internal 
control over financial reporting.  

Under standards established by the Public Company Accounting Oversight Board, a material weakness is defined as a 
deficiency, or a combination of deficiencies, in internal control over financial reporting such that there is a reasonable 
possibility that a material misstatement of the annual or interim financial statements will not be prevented or detected on a 
timely basis.  Under the criteria set forth in Internal Control - Integrated Framework 2013 issued by the Committee of 
Sponsoring Organizations of the Treadway Commission, a material weakness in the design of monitoring controls 
indicates that the Company has not sufficiently developed and/or documented internal controls by which management can 
review and oversee the Company’s financial information to detect and correct material errors or that the personnel 
responsible for performing the review did not have the sufficient skill set or knowledge of the subject matter to perform a 
proper assessment.

As discussed in Item 9A to remediate the material weaknesses, the Company, with the assistance of its outside consultant, 
is in the process of implementing certain changes to its internal controls and reviewing the entire control environment to 
help ensure that there are no other material weaknesses.  The Company believes that its remediation plan will be sufficient 
to remediate the identified material weaknesses and strengthen its internal control over financial reporting.  The 
Company’s remediation efforts are ongoing, and it will continue its initiatives to implement and document policies and 
procedures. Remediation of the identified material weaknesses and strengthening the Company’s internal control 
environment have extended into 2021. In addition, the Company is monitoring the impact of COVID-19 on its 
remediation plan. Depending on the severity and length of the pandemic, the remediation timeline could be negatively 
impacted because of inefficiencies caused by COVID-related limitations on travel, meetings, on-site work and close 
collaboration and the related increase in time necessary to complete remediation projects.

As the Company continues to evaluate and work to improve its internal control over financial reporting and disclosure 
controls and procedures, management may determine to take additional measures to address control deficiencies or 
modify the remediation plan.  The Company cannot provide assurance, however, as to when it will remediate all such 
weaknesses, nor can it be certain of whether additional actions will be required or the costs of any such actions. Moreover, 
the Company cannot provide assurance that additional material weaknesses will not arise in the future.

While the material weaknesses discussed in Item 9A did not result in material misstatements of the Company’s financial 
statements as of and for the years ended December 31, 2020, 2019, 2018 and 2017 or in the intervening interim periods 
during those respective years, any failure to remediate the material weaknesses, or the development of new material 
weaknesses in its internal control over financial reporting, could result in material misstatements in the Company’s 
consolidated financial statements and cause it to fail to meet its reporting and financial obligations, which in turn could 
have a negative impact on its financial condition.

Tredegar has an underfunded defined benefit (pension) plan.  Tredegar sponsors a pension plan that covers certain 
hourly and salaried employees in the U.S. The plan was closed to new participants in 2007, and substantially frozen to 
benefit accruals for active participants in 2014.  As of January 31, 2018, the plan no longer accrued benefits associated 
with crediting employees for service, thereby freezing all future benefits under the plan.  As of December 31, 2020, the 
plan was underfunded under U.S. generally accepted accounting principles (“GAAP”) measures by $103.1 million.  
Tredegar expects that it will be required to make a cash contribution of approximately $11.7 million to its underfunded 
pension plan in 2021, and may be required to make higher cash contributions in future periods depending on the level of 
interest rates and investment returns on plan assets. 

Noncompliance with any of the covenants in the Company’s $375 million revolving credit facility, as amended on 
December 1, 2020, which matures in June 2024, could result in all debt under the agreement outstanding at such time 
becoming due and limiting the Company’s borrowing capacity, which could have a material adverse effect on its 
consolidated financial condition and liquidity.  The credit agreement governing Tredegar’s revolving credit facility 
contains restrictions and financial covenants that, if violated, could restrict the Company’s operational and financial 

7

•

•

•

•

•

flexibility. Failure to comply with these covenants could result in an event of default, which if not cured or waived, would 
result in all outstanding debt under the credit facility at such time becoming due, which could have a material adverse 
effect on the Company’s consolidated financial condition and liquidity. 

Tredegar’s performance is influenced by costs incurred by its operating companies, including, for example, the cost of 
raw materials and energy.  These costs include the cost of aluminum (the raw material on which Aluminum Extrusions 
primarily depends), resin (the raw material on which PE Films primarily depends), PTA and MEG (the raw materials on 
which Flexible Packaging Films primarily depends), natural gas (the principal fuel necessary for Aluminum Extrusions’ 
plants to operate), electricity and diesel fuel.  Aluminum, resin and natural gas prices are volatile as shown in the charts in 
Quantitative and Qualitative Disclosures in Item 7.  The Company attempts to mitigate the effects of increased costs 
through price increases and contractual pass-through provisions, but there are no assurances that higher prices can 
effectively be passed through to customers or that Tredegar will be able to offset fully or on a timely basis the effects of 
higher raw material and energy costs through price increases or pass-through arrangements.  Further, the Company’s cost 
control efforts may not be sufficient to offset any increases in raw material, energy or other costs. 

Tredegar is subject to current and future governmental regulation, including environmental laws and regulations, and 
could become exposed to material liabilities and costs associated with such regulation. The Company is subject to 
regulation by local, state, federal and foreign governmental authorities.  New laws and regulations, or changes to existing 
laws, including those relating to environmental matters (including global climate change and plastic products), and  
privacy matters, could subject Tredegar to significant additional capital expenditures, operating expenses or other 
compliance costs. Moreover, future developments in federal, state, local and international laws and regulations, including 
environmental laws, are difficult to predict. Environmental laws and privacy restrictions have become and are expected to 
continue to become increasingly strict. As a result, Tredegar expects to be subject to new environmental and privacy laws 
and regulations. However, any such changes are uncertain and, therefore, it is not possible for the Company to predict 
with certainty the amount of additional capital expenditures or operating expenses that could be necessary for compliance 
with respect to any such changes. See Government Regulation in Item 1. “Business” of this Form 10-K for a further 
discussion of this risk factor.

We are subject to the U.S. Foreign Corrupt Practices Act, Brazilian anti-corruption laws and similar anti-bribery laws in 
other jurisdictions, which generally prohibit companies and their intermediaries from making improper payments to 
foreign officials for the purpose of obtaining or retaining business. Although we have policies and procedures designed to 
facilitate compliance with these laws and regulations, our employees, contractors and agents may take actions in violation 
of our policies. Any such violation, even if prohibited by our policies, could adversely affect our business and/or our 
reputation.

Material disruptions at one of the Company’s major manufacturing facilities could negatively impact financial results.  
Tredegar believes it has implemented measures to minimize the risks of disruption at its facilities.  However, a disruption 
could occur as a result of any number of events: an equipment failure with repairs requiring long lead times, labor 
stoppages or shortages, cybersecurity attacks, utility disruptions, constraints on the supply or delivery of critical raw 
materials, and severe weather conditions.  A material disruption in one of the Company’s operating locations could 
negatively impact production and the Company’s consolidated financial condition, results of operations and cash flows. 

An inability to renegotiate the Company’s collective bargaining agreements could adversely impact its consolidated 
financial condition, results of operations and cash flows.  Approximately 34% of the Company’s employees are 
represented by labor unions located in the U.S. and Brazil under various collective bargaining agreements with varying 
durations and expiration dates.  Tredegar may not be able to satisfactorily renegotiate collective bargaining agreements 
when they expire, which could result in strikes or work stoppages or higher labor costs.  In addition, existing collective 
bargaining agreements may not prevent a strike or work stoppage at the Company’s facilities in the future.  Any such 
work stoppages (or potential work stoppages) could negatively impact Tredegar’s ability to manufacture its products and 
adversely affect its consolidated financial condition, results of operations and cash flows.  None of Tredegar’s collective 
bargaining agreements expire before the fourth quarter of 2021.

Our business and operations, and the operations of our customers, suppliers and others we do business with, may be 
adversely affected by epidemics such as the recent COVID-19 pandemic, which could adversely affect our financial 
condition, results of operations and cash flows.  We may face risks related to health epidemics or outbreaks of 
communicable diseases. The outbreak of such a communicable disease could result in a widespread health crisis that could 
adversely affect general commercial activity and the economies and financial markets of many countries. For example, 
COVID-19 has spread across the globe to every country in which the Company does business and is impacting worldwide 
economic activity.  A public health epidemic, including COVID-19, poses the risk that we or our contractors, suppliers, 
customers and other business partners may be prevented or otherwise adversely affected in the conduct of business 
activities for an indefinite period of time, including due to shutdowns that may be requested or mandated by governmental 
authorities and by other government mandates or policy changes.  We may also face staffing issues if our employees 

8

become ill from an epidemic, are subject to epidemic-related “stay-at-home” orders, or absenteeism increases because of 
fear of epidemic-related health risks.  An epidemic may also cause a significant reduction in demand for one or more of 
our products as a result of a drop in product-specific demand, because of an epidemic’s impact on the world economy 
generally, or for other reasons.  Bonnell Aluminum is experiencing higher than normal absenteeism and hiring difficulties 
due to COVID-19 factors.  As a result, it is having difficulty maintaining sufficient labor to meet desired shipping levels.  
As a result of an epidemic, we may be unable to meet our supply commitments or otherwise fulfill our customers’ needs 
due to disruptions in our manufacturing and supply arrangements, including as a result of constrained workforce capacity, 
interruption of raw material supplies, transportation disruptions or a loss or disruption of other key elements of our 
manufacturing and distribution capability. An epidemic may cause the failure of, or default in performance by, third 
parties we rely on to supply our manufacturing operations, to process, transport or purchase our products, to finance our 
operations, and to otherwise provide products and services to the Company in support of our business and operations. 
While it is not possible at this time to estimate the impact that any particular epidemic, including COVID-19, could have 
on the Company’s business, the extent of that impact would likely be affected by factors outside of our control such as the 
severity, duration and spread of such an epidemic, the measures taken by the governments of countries affected and the 
ability of our customers and consumers to access government programs providing liquidity and support during the crisis. 
The impact of an epidemic on our employees, our customers, our supply chains, demand for our products, our ability to 
supply customers, our operating costs and our other business activities, could adversely affect our financial condition, 
results of operations and cash flows.  For more information on the effect of COVID-19 on our business and financial 
condition, refer to “The Impact of COVID-19” in Item 7.  

Tredegar’s valuation of its $7.5 million cost-basis investment in kaléo is volatile and uncertain. Tredegar uses the fair 
value method to account for its fully-diluted ownership interest of approximately 20% in kaleo, Inc. (“kaléo”), a privately 
held specialty pharmaceutical company.  There is no active secondary market for buying or selling stock in kaléo.  The 
Company’s fair value estimates can fluctuate materially between reporting periods primarily due to changes in kaléo’s 
projections, which rely on numerous assumptions, and changes in the valuation of guideline public companies as 
measured by their enterprise value-to-EBITDA multiples.  The estimated fair value of the Company’s investment in kaléo 
may significantly decline due to pricing pressures and expected changes in market access as well as continued lower 
market demand for epinephrine delivery devices resulting from COVID-19-driven delays in in-person back-to-school 
schedules and social distancing guidelines.  Additionally, the U.S. Department of Justice began an investigation of kaléo’s 
Evzio business in 2018, the impact of which on kaléo and on the value of the Company’s interest in kaléo cannot be 
estimated with certainty. During 2020, kaléo discontinued the marketing of its Evzio product.

A failure in the Company’s information technology systems as a result of cybersecurity attacks or other causes could 
negatively affect Tredegar’s business.  The Company depends on information technology (“IT”) to record and process 
customers’ orders, manufacture and ship products in a timely manner, secure its production processes and know-how, 
maintain the financial accuracy of its business records and maintain personally identified information of its employees. An 
IT system failure due to computer viruses, internal or external security breaches, cybersecurity attacks or other malicious 
causes could disrupt our operations and prevent us from being able to process transactions with our customers, operate our 
manufacturing facilities and properly report transactions in a timely manner. Increased global IT security threats and 
cyber-crime pose a potential risk to the security and availability of the Company’s IT systems, networks and services, 
including those that are managed, hosted, provided or used by third parties, as well as to the confidentiality, availability 
and integrity of the Company’s data. To date, interruptions of the Company’s IT systems have been infrequent and have 
not had a material impact on the Company’s operations.  A significant protracted failure of or security breach of the IT 
systems, networks or service providers the Company relies upon, or a loss or disclosure of business or other sensitive 
information, or personally identified information, as a result of a cybersecurity incident or other cause, could result in 
substantial costs to the Company, damage to the Company’s reputation, regulatory enforcement actions and lawsuits and 
could adversely affect the Company’s results of operations, financial condition or cash flows.

•

•

Item 1B. 

UNRESOLVED STAFF COMMENTS

None.

Item 2. 

PROPERTIES

General

Most of the improved real property and the other assets used in the Company’s operations are owned.  Certain of the 

owned property is subject to an encumbrance under the Company’s credit agreement (see Note 11 “Debt and Credit 
Agreements” to the Consolidated Financial Statements in Item 15 for more information).  

Tredegar considers the manufacturing facilities, warehouses and other properties and assets that it owns or leases to be in 

generally good condition.  Capacity utilization at its various manufacturing facilities can vary with product mix and normal 

9

fluctuations in sales levels.  The Company believes that its Bonnell Aluminum, PE Films and Flexible Packaging Films 
manufacturing facilities have sufficient capacity to meet current production requirements.  Tredegar’s corporate headquarters, 
which is leased, is located at 1100 Boulders Parkway, Richmond, Virginia 23225.

The Company’s principal manufacturing plants and facilities as of December 31, 2020 are listed below:

Aluminum Extrusions

Locations in the U.S.
Carthage, Tennessee
Clearfield, Utah (leased)
Elkhart, Indiana
Newnan, Georgia
Niles, Michigan

PE Films

   Locations Outside the U.S.

   Principal Operations

None

Production of aluminum 
extrusions, fabrication and 
finishing

Locations in the U.S.

   Locations Outside the U.S.

   Principal Operations

Pottsville, Pennsylvania
Richmond, Virginia  (technical center) 
(leased)

Flexible Packaging Films

   Guangzhou, China

   Production of plastic films 

Locations in the U.S.

   Locations Outside the U.S.

   Principal Operations

Bloomfield, New York  (technical center 
and production facility)

Item 3. 

LEGAL PROCEEDINGS

   Cabo de Santo Agostinho, Brazil 

   Production of PET-based films 

The information required by this Item 3 is set forth in Note 18 "Contingencies" to the Consolidated Financial Statements  

in Item 15 and is hereby incorporated herein by reference.

Item 4. 

MINE SAFETY DISCLOSURES

None.

10

  
  
PART II

Item 5. 

MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND 
ISSUER PURCHASES OF EQUITY SECURITIES

Tredegar’s common stock is traded on the New York Stock Exchange (“NYSE”) under the ticker symbol “TG”. There 

were 33,537,892 shares of common stock held by 1,747 shareholders of record on March 12, 2021.

Dividend Information

Tredegar has paid a regular cash dividend every quarter since becoming a public company in July 1989 and expects that 
comparable regular cash dividends will continue to be paid in the future.  In addition, Tredegar has paid special cash dividends 
from time to time.  On December 1, 2020, the Board declared a special dividend of $200 million, or $5.97 per share, on the 
Company’s common stock (the “Special Dividend”).  The Special Dividend was paid in December 2020.  

All decisions with respect to the declaration and payment of future dividends will be made by the Board in its sole 

discretion based upon earnings, financial condition, anticipated cash needs, restrictions in the Company’s revolving credit 
facility and other such considerations as the Board deems relevant.  See Note 11 "Debt and Credit Agreements" to the 
Consolidated Financial Statements in Item 15 for the restrictions on the payment of dividends contained in the Company’s 
credit agreement related to aggregate dividends permitted.

Issuer Purchases of Equity Securities

On January 7, 2008, Tredegar announced that the Board approved a share repurchase program whereby management is 

authorized at its discretion to purchase, in the open market or in privately negotiated transactions, up to 5 million shares of the 
Company’s outstanding common stock.  The authorization has no time limit.  Tredegar did not repurchase any shares in the 
open market or otherwise in 2020, 2019 or 2018 under this standing authorization.  The maximum number of shares remaining 
under this standing authorization was 1,732,003 at December 31, 2020.

Stock Performance Graph

The following graph compares cumulative total shareholder returns for Tredegar, the S&P SmallCap 600 Stock Index (an 

index comprised of companies with market capitalizations similar to Tredegar) and the Russell 2000 Index for the five years 
ended December 31, 2020.  Tredegar is part of both the S&P SmallCap 600 Index and Russell 2000 Index. 

COMPARISON OF 5 YEAR CUMULATIVE TOTAL RETURN*
Among Tredegar Corporation, the S&P SmallCap 600 Index, and the Russell 2000 Index

$200

$150

$100

$50

$0

12/15

12/16

12/17

12/18

12/19

12/20

Tredegar Corporation

S&P SmallCap 600

Russell 2000

*$100 invested on 12/31/15 in stock or index, including reinvestment of dividends. 
Fiscal year ending December 31.

Copyright© 2021 Standard & Poor's, a division of S&P Global. All rights reserved.
Copyright© 2021 Russell Investment Group. All rights reserved.

11

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NOTES TO FINANCIAL TABLES 
(a)

(b)

(c)

(d)

(e)

(f)

(g)

(h)
(i)

(j)

(k)
(l)

For a description of plant shutdowns, asset impairments, restructurings and other charges for 2020, 2019, and 2018, see the plant 
shutdowns, asset impairments, restructurings and other tables for the respective periods in Results of Operations in Item 7.
For a description of plant shutdowns, asset impairments, restructurings and other charges for 2017 and 2016, see Item 6. “Selected 
Financial Data” of the Company’s Annual Report on Form 10-K for the year ended December 31, 2018.
Results for 2020 included a goodwill impairment charge of $13.7 million ($10.5 million after taxes) recognized in Bonnell Aluminum 
in the first quarter of 2020 upon completion of an impairment analysis performed as of March 31, 2020. 
Total return to shareholders is defined as the change in stock price during the year plus dividends per share, divided by the stock price 
at the beginning of the year.
Equity market capitalization is the closing market price per share for the period multiplied by the shares outstanding at the end of the 
period.
Net sales represents gross sales less freight. The Company uses net sales as its measure of revenues from external customers at the 
segment level.
The gains and losses on the Company’s investment in kaléo are included in “Other income (expense), net” in the consolidated 
statements of income.  See Note 4 to the Consolidated Financial Statements in Item 15 for more details for the years 2020, 2019 and 
2018.
Equity per share is computed by dividing shareholders’ equity at year end by the shares outstanding at year end.
For the year ended December 31, 2017, the pension and postretirement benefit expenses recorded in Cost of goods sold and Selling, 
general and administrative expenses were reclassified to a new line item, Pension and postretirement benefits, on the consolidated 
statements of income, due to the retrospective adoption of Accounting Standards Update (“ASU”) 2017-07.
Depreciation and amortization (“D&A”) in 2019 for Aluminum Extrusions excludes $10.0 million for accelerated amortization of trade 
names as a result of a rebranding initiative.  
Corporate depreciation and amortization is included in Corporate expenses, net, on the EBITDA from ongoing operations table above.
In the fourth quarter of 2019, the Company changed its segment measure of profit and loss from operating profit from ongoing 
operations to EBITDA (earnings before interest, taxes, depreciation and amortization) from ongoing operations.  EBITDA from 
ongoing operations is the key profitability metric used by the Company’s chief operating decision maker to assess segment financial 
performance.  See Note 5 to the Consolidated  Financial Statements in Item 15 for additional business segment information.

(m) EBIT (earnings before interest and taxes) from ongoing operations is a non-GAAP financial measure included in the reconciliation of 
segment financial information to consolidated results for the Company.  It is not intended to represent the stand-alone results for 
Tredegar’s ongoing operations under GAAP and should not be considered as an alternative to net income as defined by GAAP.  EBIT 
is a widely understood and utilized metric that is meaningful to certain investors.  We believe that including this financial metric in the 
reconciliation of management’s performance metric, EBITDA from ongoing operations, provides useful information to those investors 
that primarily utilize EBIT to analyze the Company’s core operations.

(n) On December 1, 2020, the Board declared a special cash dividend of $200 million or $5.97 per share on the Company’s common stock.  

(o)

The special cash dividend was payable on December 18, 2020 to shareholders of record at the close of business on December 11, 2020.
In December 2020, the Company entered into a definitive agreement and completed the sale of Bright View.  See Note 2 to the 
Consolidated Financial Statements in Item 15 for more details.

17

Item 7. 

MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF 
OPERATIONS

Forward-looking and Cautionary Statements

Some of the information contained in this Form 10-K may constitute “forward-looking statements” within the meaning of 

the “safe harbor” provisions of the Private Securities Litigation Reform Act of 1995.  When using the words “believe,” 
“estimate,” “anticipate,” “expect,” “project,” “plan,” “likely,” “may” and similar expressions, Tredegar does so to identify 
forward-looking statements.  Such statements are based on Tredegar’s then current expectations and are subject to a number of 
risks and uncertainties that could cause actual results to differ materially from those addressed in the forward-looking 
statements.  It is possible that Tredegar’s actual results and financial condition may differ, possibly materially, from the 
anticipated results and financial condition indicated in or implied by these forward-looking statements.  In addition, the 
Company's current projections for its businesses could be materially affected by the highly uncertain impact of COVID-19. As 
a consequence, the Company's results could differ significantly from its projections, depending on, among other things, the 
duration of "shelter in place" orders and the ultimate impact of the pandemic on employees, supply chains, customers and the 
U.S. and world economies. Accordingly, you should not place undue reliance on these forward-looking statements.  For risks 
and important factors that could cause actual results to differ from expectations, refer to the reports that Tredegar files with or 
furnishes the SEC from time-to-time, including the risks and important factors set forth in Item 1A.  Readers are urged to 
review and consider carefully the disclosures Tredegar makes in the reports Tredegar files with or furnishes to the SEC.  
Tredegar does not undertake, and expressly disclaims any duty, to update any forward-looking statement to reflect any change 
in management’s expectations or any change in conditions, assumptions or circumstances on which such statements are based, 
except as required by applicable law. 

General

Executive Summary

Tredegar Corporation is an industrial manufacturer with three primary businesses: custom aluminum extrusions for the 
North American building & construction, automotive and specialty end-use markets through its Aluminum Extrusions segment; 
surface protection films for high-technology applications in the global electronics industry through its PE Films segment; and 
specialized polyester films primarily for the Latin American flexible packaging market through its Flexible Packaging Films 
segment.  With approximately 2,400 employees, the Company operates manufacturing facilities in North America, South 
America, and Asia.    

On October 30, 2020, the Company completed the sale of its personal care films business (“Personal Care Films”). The 
transaction excluded the packaging film lines and related operations located at the Pottsville, Pennsylvania manufacturing site 
(“Pottsville Packaging”), which are now being reported within the Surface Protection component of PE Films. Commencing in 
the third quarter of 2020, all historical results for Personal Care Films have been presented as discontinued operations.  For 
more information on these transactions, see Note 2 to the Consolidated Financial Statements in Item 15.

Sales were $755.3 million in 2020 compared to $826.3 million in 2019.  Net loss from continuing operations was $16.8 
million ($0.51 per diluted share) in 2020, compared with net income from continuing operations of $58.5 million ($1.76 per 
diluted share) in 2019.  

The 2020 results include:

•

•

•

•

•

An after-tax loss on the Company’s investment in kaléo of $47.6 million ($1.42 per diluted share), which is accounted 
for under the fair value method (see Note 4 to the Consolidated Financial Statements in Item 15 for more details); and

An impairment of the total goodwill balance of Aluminum Extrusions' reporting unit acquired in the AACOA 
acquisition in 2012 was recorded in the after-tax amount of $10.5 million ($0.32 per diluted share).

The 2019 results include:

An after-tax dividend received from kaléo of $14.8 million ($0.45 per diluted share); and

An unrealized after-tax gain on the Company’s investment in kaléo of $8.5 million ($0.26 per diluted share).

The 2018 results include:

An unrealized after-tax gain on the Company’s investment in kaléo of $23.9 million ($0.72 per diluted share).

Other losses related to asset impairments and costs associated with exit and disposal activities for continuing operations 

were not material for the years ended December 31, 2020, 2019 and 2018, respectively. Losses associated with plant 
shutdowns, asset impairments, restructurings and other items are described in Results of Operations. Earnings before interest, 
taxes, depreciation and amortization (“EBITDA”) from ongoing operations is the measure of profit and loss used by Tredegar’s 
chief operating decision maker (“CODM”) for purposes of assessing financial performance. The Company uses sales less 

18

freight (“net sales”) from continuing operations as its measure of revenues from external customers at the segment level. This 
measure is separately included in the financial information regularly provided to the CODM.

EBIT (earnings before interest and taxes) from ongoing operations is a non-GAAP financial measure included in the 
reconciliation of segment financial information to consolidated results for the Company. It is not intended to represent the 
stand-alone results for Tredegar’s ongoing operations under GAAP and should not be considered as an alternative to net income 
as defined by GAAP. EBIT is a widely understood and utilized metric that is meaningful to certain investors. We believe that 
including this financial metric in the reconciliation of management’s performance metric, EBITDA from ongoing operations, 
provides useful information to those investors that primarily utilize EBIT to analyze the Company’s core operations.

THE IMPACT OF COVID-19

Essential Business and Employee Considerations

The Company’s priorities during the COVID-19 pandemic continue to be to protect the health and safety of employees 

while keeping its manufacturing sites open due to the essential nature of many of its products.  Within the limitations imposed 
by the health and safety procedures described below, the Company has continued to manufacture the full range of products at 
its facilities. 

The Company’s protocols to protect the health and well-being of its employees from COVID-19 continue to develop as 
COVID-19 informed work practices evolve and the Company responds to recommended and mandated actions of government 
and health authorities.  In addition, to facilitate a return to fully functional operations, the Company has undertaken an 
education campaign to provide employees with the most accurate and up-to-date information available, particularly from the 
Centers for Disease Control (“CDC”), the Office of the Surgeon General and state and local health departments. The Company 
believes that these efforts will encourage employees to receive a vaccine when they are eligible. 

The Company has educated employees about COVID-19, including how the virus is spread, COVID-19 symptoms and 

mitigation efforts to keep employees safe.  Even in those facilities not bound by the Families First Coronavirus Response Act, 
the Company has adopted COVID-19 related pay and sick leave policies and remote work policies that require employees to 
stay home if they feel ill or have been exposed to others with the illness, until they are cleared to return to work by our Human 
Resources team, who applies CDC and other state health department guidance to each case.  The Company’s policies include: 
mandating employees self-monitor for symptoms; taking an employee’s temperature before entering production facilities; 
answering self-screening questions related to potential exposure and COVID-19 symptoms; mandating frequent handwashing; 
requiring social distancing; requiring face coverings on production floors at all times and in common areas and office settings 
where social distancing is difficult; streamlining onsite personnel to only those required for production and distribution; 
strongly encouraging and, where mandated, requiring remote work for all those who can work from home; limiting travel to 
essential business purposes; and regularly cleaning and disinfecting facilities. In the U.S., the Company has educated employees 
on COVID-19-related government benefits and has provided such benefits even in those facilities where the government 
benefits are not mandated.

  Bonnell Aluminum is experiencing higher than normal absenteeism and hiring difficulties, which it attributes to 
COVID-19-related factors.  Bonnell Aluminum attempts to match its direct labor with demand and is facing difficulty 
maintaining sufficient labor to meet desired shipment levels.

Financial Considerations

 The 2020 annual plan for Bonnell Aluminum (pre-COVID-19) included sales volume of 201 million pounds and 

EBITDA from ongoing operations of $65 million, versus 2019 sales volume of 208 million pounds and EBITDA from ongoing 
operations of $65.7 million. Actual 2020 sales volume was 186 million pounds and EBITDA from ongoing operations was 
$55.1 million. Approximately 62% of Bonnell Aluminum’s sales volume in 2020 was related to building and construction 
(“B&C”) markets (non-residential B&C of 55% and residential B&C of 7%).  Much of the 2020 sales volume associated with 
the B&C market was related to contracts that existed at the start of the COVID-19 pandemic.  With the completion of many of 
these contracts, Bonnell began experiencing weakness in the B&C market during the fourth quarter of 2020.  Overall, the 
Company believes that volume results for Bonnell Aluminum in 2020 have outperformed the industry, and performance to date 
during the COVID-19 environment has exceeded the Company's expectations, with current bookings and backlog at high levels.  
No significant issues have arisen to date on the collection of accounts receivable at Bonnell Aluminum.

Demand has remained strong under COVID-19 conditions for the Company’s flexible food packaging films produced by 

Terphane.  The Surface Protection component of PE Films had record performance for EBITDA from ongoing operations in the 
second quarter and first half of 2020, but it experienced a slowdown in the third quarter, with a portion of the decline in volume 
related to a previously disclosed customer product transition and customer inventory corrections.  The Company believes that 
while Surface Protection’s customer inventory corrections were largely resolved during the third quarter of 2020, it will 
experience a significant decline in volume and profitability in the first quarter of 2021 as a result of the customer product 

19

transition.  See the PE Films section below for further discussion. No significant issues have arisen to date on the collection of 
accounts receivable at Terphane or Surface Protection.

Tredegar owns approximately 20% of kaleo, Inc. (“kaléo”), which makes and sells an epinephrine delivery device under 
the name AUVI-Q®.  The Company accounts for its investment in kaléo on a fair value basis.  The Company’s estimate of the 
fair value of its interest in kaléo at December 31, 2020 was $34.6 million ($29.7 million after taxes), which represents an 
increase of $0.1 million ($0.1 million after taxes) and a decrease of $60.9 million ($47.6 million after taxes) since September 
30, 2020 and December 31, 2019, respectively. The decline in estimated fair value in 2020 was primarily due to: (i) current 
projections that assume ongoing pricing pressures, (ii) expected changes in market access as well as continued lower market 
demand for epinephrine delivery devices resulting from COVID-19-driven delays in in-person back-to-school schedules and 
social distancing guidelines, and (iii) a higher private company liquidity discount.  kaléo’s stock is not publicly traded. The 
ultimate value of Tredegar’s ownership interest in kaléo could be materially different from the $34.6 million estimated fair 
value reflected in the Company’s financial statements at December 31, 2020. 

Total debt was $134 million at December 31, 2020, compared to $42 million at December 31, 2019.  Net debt (debt in 

excess of cash and cash equivalents), a non-GAAP financial measure, was $122.2 million at December 31, 2020, compared to 
$10.6 million at December 31, 2019.  In December 2020, the Company paid a special dividend of $5.97 per share or $200 
million, as a result of strong cash generation and overall net cash proceeds of approximately $46 million relating to the sale of 
Personal Care Films.  The overall net cash proceeds resulted from net proceeds of $53 million received in the fourth quarter of 
2020 less $7 million of expected expenditures during 2021, primarily related to information technology transition services and 
severance.  The Company’s revolving credit agreement allows borrowings of up to $375 million and matures in June 2024.  The 
Company believes that its most restrictive covenant (computed quarterly) is the leverage ratio, which permits maximum 
borrowings of up to 4x EBITDA, as defined under the revolving credit agreement for the trailing four quarters (“Credit 
EBITDA”).  The Company had Credit EBITDA and a leverage ratio (calculated in the “Liquidity and Capital Resources” 
below) of $93.4 million and 1.43x, respectively, at December 31, 2020.  The Company’s current stress testing under a 
COVID-19-driven recession indicates a low probability that a future leverage ratio will exceed 4.0x.  See the “Liquidity and 
Capital Resources” below for a reconciliation of net debt, a non-GAAP financial measure, to the most directly comparable 
GAAP financial measure.

OPERATIONS REVIEW

Segment Analysis.  A summary of results for 2020 versus 2019 for each of the Company’s reporting segments is shown below.

Aluminum Extrusions

A summary of results for Aluminum Extrusions is provided below: 

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization*
EBIT**

Year Ended
December 31,

2019
2020
  186,391 
  208,249 
$  455,711  $  529,602 

(17,403)   

$  55,137  $  65,683 
(16,719) 
$  37,734  $  48,964 
$  10,260  $  17,855 

Favorable/
(Unfavorable)

% Change

 (10.5) %
 (14.0) %

 (16.1) %
 (4.1) %
 (22.9) %

Capital expenditures
*    Excludes pre-tax accelerated amortization of trade names of $10.0 million in the year ended December 31, 2019.
**  See the table in Item 6. “Selected Financial Data” of this Form 10-K (“Item 6”) for a reconciliation of this non-GAAP measure to 

GAAP.

Net sales in 2020 decreased by 14.0% versus 2019 primarily due to lower sales volume and the pass-through of lower 

metal costs, partially offset by an increase in average selling prices to cover higher operating costs.  Sales volume in 2020 
decreased by 10.5% versus 2019 with declines in all key markets, which the Company believes was mainly a result of 
COVID-19-related lower demand.  

EBITDA from ongoing operations in 2020 decreased by $10.5 million in comparison to 2019 due to lower volume ($16.1 

million) and higher labor and employee-related costs ($4.3 million), partially offset by higher pricing ($8.1 million), lower 
freight ($0.8 million) and lower travel and entertainment expenses as a result of COVID-19 ($0.9 million).

20

 
Projected Capital Expenditures and Depreciation & Amortization

Capital expenditures are projected to be $21 million in 2021, including $3 million for infrastructure upgrades at the 
Carthage, Tennessee and Newnan, Georgia facilities, $3 million for a roof replacement at the Elkhart, Indiana site and $4 
million for strategic projects.  In addition, approximately $11 million will be required to support continuity of current 
operations.  Depreciation expense is projected to be $14 million in 2021.  Amortization expense is projected to be $3 million in 
2021.

PE Films

A summary of results for PE Films is provided below: 

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization
EBIT*

Capital expenditures
*  See the table in Item 6 for a reconciliation of this non-GAAP measure to GAAP.

Year Ended
December 31,

2020
45,175 

2019
43,983 
$  139,288  $  133,807 

(6,762)   

$  45,107  $  41,133 
(5,860) 
$  38,345  $  35,273 
8,567 
$ 

6,024  $ 

Favorable/
(Unfavorable)

% Change

 2.7 %
 4.1 %

 9.7 %
 (15.4) %
 8.7 %

Net sales increased by 4.1% in 2020 versus 2019 primarily due to higher sales of products in Surface Protection unrelated 
to customer product transitions ($12.0 million), partially offset by lower sales associated with the customer product transitions 
this year ($6.8 million).  

EBITDA from ongoing operations in 2020 increased by $4.0 million versus 2019 primarily due to:

•

•

A $3.2 million increase from Surface Protection, primarily due to sales of products unrelated to the customer product 
transitions ($8.3 million), partially offset by lower sales associated with the customer product transitions ($4.5 
million); and 

A $0.8 million increase from Pottsville Packaging primarily related to higher sales volume and favorable raw materials 
pricing.

Customer Product Transitions in Surface Protection

The Surface Protection component of PE Films supports manufacturers of optical and other specialty substrates used in 

flat panel display products. These films are primarily used by customers to protect components of displays in the manufacturing 
and transportation processes and then discarded. 

The Company previously reported the risk that a portion of its film products used in surface protection applications will be 
made obsolete by possible future customer product transitions to less costly alternative processes or materials. These transitions 
principally relate to one customer. The Company believes that previously reported delays in this customer's transitions were 
recently resolved by the customer and much of the remaining transitions could occur by the end of 2021. Under this scenario, 
the Company estimates that the contribution to EBITDA from ongoing operations for PE Films could decline due to the 
remaining customer product transitions by $18 million in 2021 versus 2020 and $4 million in 2022 versus 2021. To offset the 
expected adverse impact, the Company is aggressively pursuing and making progress in generating contribution from sales 
from new surface protection products, applications and customers and implementing cost savings measures. Annual 
contribution to EBITDA from ongoing operations for PE Films on surface protection products unrelated to the customer 
product transitions has increased since 2018 by approximately $12 million.

Projected Capital Expenditures and Depreciation & Amortization

Capital expenditures are projected to be $5 million in 2021, including: $2 million for productivity projects and $3 million 
for capital expenditures required to support continuity of current operations.  Depreciation expense is projected to be $6 million 
in 2021.  There is no amortization expense for PE Films.

21

 
 
 
Flexible Packaging Films

A summary of results for Flexible Packaging Films is provided below:

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization
EBIT*

Capital expenditures
*  See the table in Item 6 for a reconciliation of this non-GAAP measure to GAAP.

Year Ended
December 31,

2019
2020
  105,276 
  113,115 
$ 134,605  $ 133,935 

(1,761)   

$  30,645  $  14,737 
(1,517) 
$  28,884  $  13,220 
8,866 
$ 

4,959  $ 

Favorable/
(Unfavorable)
% Change

 7.4 %
 0.5 %

 107.9 %
 (16.1) %
 118.5 %

Net sales in 2020 increased 0.5% versus 2019 while volume increased 7.4% versus 2019 primarily due to lower selling 

prices from lower raw material costs and changes in product mix.    

Terphane’s EBITDA from ongoing operations in 2020 increased by $15.9 million versus 2019 due to: 

•

•

•

•

Lower raw material costs, net of lower selling prices ($8.9 million), higher sales volume ($3.3 million), favorable 
product mix ($2.2 million) and lower fixed costs ($1.0 million), partially offset by higher variable costs ($1.1 million) 
and higher selling and general administration expenses ($0.4 million); 

Net favorable foreign currency translation of Real-denominated costs ($1.5 million);       

Foreign currency transaction losses of $0.5 million in 2020 versus gains of $0.2 million in 2019; and   

A benefit of $1.2 million in 2020 resulting from the favorable settlement of a dispute related to value-added taxes.  

Projected Capital Expenditures and Depreciation & Amortization

Capital expenditures are projected to be $9 million in 2021, including $5 million for new capacity for value-added 
products and productivity projects and $4 million for capital expenditures required to support continuity of current operations.  
Depreciation expense is projected to be $2 million in 2021.  Amortization expense is projected to be $0.4 million in 2021. 

Corporate Expenses, Interest and Income Taxes

Pension expense was $14.6 million in 2020, an unfavorable change of $5.1 million from 2019.  The impact on earnings 

from pension expense is reflected in “Corporate expenses, net” in the net sales and operating profit by segment table in Note 5 
to the Consolidated Financial Statements in Item 15.  Pension expense is projected to be $14.0 million in 2021, which is 
determined at the beginning of the year based on the funded status of the Company’s defined benefit pension plan and actuarial 
assumptions at that time.  In addition to the higher pension expense in 2020 compared to 2019, corporate expenses, net, 
increased primarily due to higher professional fees ($3.4 million) related to business development activities and higher stock 
compensation expense ($1.0 million), partially offset by lower environmental expenses ($0.6 million) and lower other 
employee-related compensation ($1.3 million).

Interest expense decreased to $2.6 million in 2020 from $4.1 million in 2019, primarily due to lower average debt levels.

The effective tax rate used to compute income taxes for continuing operations in 2020 was 32.8% compared to 18.8% in 
2019. The differences between the U.S. federal statutory rate and the effective tax rate for 2020 and 2019 are shown in Note 16 
in the Notes to the Financial Statements.

Net capitalization and other credit measures are provided in Liquidity and Capital Resources, below.

Critical Accounting Policies

In the ordinary course of business, the Company makes a number of estimates and assumptions relating to the reporting of 

results of operations and financial position in the preparation of financial statements in conformity with GAAP.  Actual results 
could differ significantly from those estimates under different assumptions and conditions.  The Company believes the 
following discussion addresses its critical accounting policies.  These policies require management to exercise judgments that 
are often difficult, subjective and complex due to the necessity of estimating the effect of matters that are inherently uncertain.

22

 
Impairment of Long-lived Identifiable Assets and Goodwill

The Company assesses its long-lived identifiable assets for impairment when events or circumstances indicate that their 

carrying value may not be recoverable from future cash flows.  Any necessary impairment charges are recorded when the 
Company does not believe the carrying value of the long-lived asset(s) will be recoverable.  Tredegar also reassesses the useful 
lives of its long-lived assets based on changes in the business and technologies.

The Company assesses goodwill for impairment when events or circumstances indicate that the carrying value may not be 

recoverable, or, at a minimum, on an annual basis (December 1st of each year).  When assessing goodwill for impairment, 
accounting guidance allows the Company to first perform a qualitative assessment about the likelihood of the carrying value of 
a reporting unit exceeding its fair value, referred to as the Step 0 assessment. The Step 0 assessment requires the evaluation of 
certain qualitative factors, including macroeconomic conditions, industry and market considerations, cost factors and overall 
financial performance, as well as company and reporting unit factors. If the Company's Step 0 analysis indicates that it is more 
likely than not that the fair value of a reporting unit is less than the carrying amount, then the Company would perform a 
quantitative impairment test. 

As of December 1, 2020, the Company applied the Step 0 assessment to its PE Films’ Surface Protection reporting unit 
and its Aluminum Extrusions’ Futura reporting unit, which was created as a result of an acquisition in 2017.  Each reporting 
unit had a fair value significantly in excess of its carrying amount when last tested using the quantitative impairment test.  The 
Company's Step 0 analysis in 2020 of these reporting units concluded that it is not more likely than not that the fair value of 
each reporting unit was less than its carrying amount.

Goodwill for Surface Protection and Futura totaled $57.3 million and $10.4 million, respectively, at December 31, 2020. 

In assessing the recoverability of goodwill and long-lived identifiable assets, the Company primarily estimates fair value 

using discounted cash flow analyses and comparative enterprise value-to-EBITDA multiples.  These calculations require 
management to make assumptions regarding estimated future cash flows, discount rates and other factors to determine if an 
impairment exists.  If these estimates or their related assumptions change in the future, the Company may be required to record 
additional impairment charges.

During the first three months of 2020, the Company performed goodwill impairment tests for the Aluminum Extrusions’ 

AACOA reporting unit, which was created as a result of an acquisition in 2011, and the Futura reporting unit using a 
combination of income and market approaches and determined that the fair value of the Futura reporting unit exceeded its 
carrying value.  However, the fair value of the AAOCA reporting unit did not exceed its carrying value.  As a result, the 
Company recognized a goodwill impairment charge of $13.7 million ($10.5 million after taxes), which represented the entire 
amount of goodwill associated with the AACOA reporting unit. The operations of the AACOA reporting unit, which includes 
the Niles, Michigan and Elkhart, Indiana facilities, was expected to be severely impacted by COVID-19 at that time, with over 
80% of the aluminum extrusions manufactured at these facilities sold to customers that make consumer durable products, such 
as recreational boating and power sports vehicles, and to customers serving the building and construction and automotive 
markets.

Investment Accounted for Under the Fair Value Method

In August 2007 and December 2008, Tredegar made an aggregate investment of $7.5 million in kaléo (formerly 
Intelliject, Inc.), a privately held specialty pharmaceutical company.  This investment is accounted for under the fair value 
method.  At the time of the initial investment, the Company elected the fair value option of accounting since its investment 
objectives were similar to those of venture capitalists, which typically do not have controlling financial interests (venture capital 
funds generally use the fair value option to account for their investment portfolios).  At December 31, 2020, Tredegar’s 
ownership interest was approximately 20% on a fully diluted basis.

The Company considers its investment in kaléo to be a Level 3 investment under the fair value hierarchy described in 
GAAP.  The Company discloses the level of its investments within the fair value hierarchy in which fair value measurements in 
their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets or liabilities 
(Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3).  The Company believes 
that its fair value estimates will continue to be based upon Level 3 inputs since there is no secondary market for Tredegar’s 
ownership.  See Note 4 to the Consolidated Financial Statements in Item 15 for more information on valuation methods used.  
Adjustments to the estimated fair value of this investment will be made in the period in which such changes can be quantified.

23

At December 31, 2020 and 2019, the fair value of the Company’s investment in kaléo (also the carrying value, which is 

separately stated in the consolidated balance sheets) was estimated at $34.6 million and $95.5 million, respectively.  The 
weighted average cost of capital used in the fair market valuation of the Company’s interest in kaléo was 35% and 29% as of 
December 31, 2020 and 2019.  The ultimate value of the Company’s ownership interest in kaléo will be determined and 
realized only if and when a liquidity event occurs, and the ultimate value could be materially different from the $34.6 million 
estimated fair value reflected in the Company’s financial statements at December 31, 2020.  The fair market valuation of 
Tredegar’s interest in kaléo is sensitive to changes in the weighted average cost of capital used to discount cash flow projections 
for the high degree of risk and wide range of possible outcomes. At December 31, 2020, the effect of a 500 basis point decrease 
in the weighted average cost of capital assumption would have further increased the fair value of the Company’s interest in 
kaléo by approximately $5 million, and a 500 basis point increase in the weighted average cost of capital assumption would 
have decreased the fair value of the Company’s interest by approximately $6 million. 

Pension Benefits

Tredegar sponsors noncontributory defined benefit (pension) plans that have resulted in varying amounts of net pension 

income or expense, as developed from actuarial valuations.  Inherent in these valuations are key assumptions including discount 
rates, expected return on plan assets and rate of future compensation increases.  The Company is required to consider current 
market conditions, including changes in interest rates and plan asset investment returns, in determining these assumptions.  
Actuarial assumptions may differ materially from actual results due to changing market and economic conditions, higher or 
lower withdrawal rates or longer or shorter life spans of participants.  These differences may result in a significant impact to the 
amount of net pension income or expense recorded in future periods.

The discount rate is used to determine the present value of future payments.  The discount rate is the single rate that, when 

applied to expected benefit payments, provides a present value equal to the present value of expected benefit payments 
determined by using the AA-rated bond yield curve.  In general, the pension liability increases as the discount rate decreases 
and vice versa.  The weighted average discount rate utilized was 2.57%, 3.27% and 4.40% at the end of 2020, 2019 and 2018, 
respectively, with changes between periods due to changes in market interest rates.  Pay for active participants of the plan was 
frozen as of December 31, 2007.  As of January 31, 2018, the plan no longer accrued benefits associated with crediting 
employees for service, thereby freezing all future benefits under the plan. 

A lower expected return on plan assets increases the amount of expense and vice versa.  Decreases in the level of actual 

plan assets will also serve to increase the amount of pension expense.  The total return on plan assets (net of fees and plan 
expenses), which is primarily affected by the change in fair value of plan assets, current year contributions and current year 
payments to participants, was approximately 10.9% in 2020, 11.8% in 2019 and negative 5.4% in 2018.  The expected long-
term return on plan assets, which is estimated by asset class and generally based on inflation-adjusted historical returns, 
volatilities, risk premiums and managed asset premiums, was 5.00%, 6.00% and 6.50% in 2020, 2019 and 2018, respectively.  
The Company anticipates that its expected long-term return on plan assets will be 5.00% for 2021.  See Note 13 to the 
Consolidated Financial Statements in Item 15 for more information on expected long-term return on plan assets and asset mix.

See the Executive Summary section above for further discussion regarding the financial impact of the Company’s pension 

plans.

Income Taxes

On a quarterly basis, Tredegar reviews its judgments regarding uncertain tax positions and the likelihood that the benefits 
of a deferred income tax asset will be realized.  As circumstances change, the Company reflects in earnings any adjustments to 
unrecognized benefits for uncertain tax positions and valuation allowances for deferred income tax assets.

For financial reporting purposes, unrecognized tax benefits on uncertain tax positions were $0.6 million and $0.9 million 
as of December 31, 2020 and 2019, respectively.  Tax payments resulting from the successful challenge by the taxing authority 
on uncertain tax positions taken by Tredegar would possibly result in the payment of interest and penalties. Accordingly, the 
Company also accrues for possible interest and penalties on uncertain tax positions.  The balance of accrued interest and 
penalties on deductions taken relating to uncertain tax positions was $0.1 million, $0.1 million and $0.2 million at 
December 31, 2020, 2019 and 2018, respectively ($0.1 million, $0.1 million and $0.2 million, respectively, net of 
corresponding U.S. federal and state income tax benefits).  Accruals for possible interest and penalties on uncertain tax 
positions are reflected in income tax expense for financial reporting purposes.

Tredegar, or one of its subsidiaries, files income tax returns in the U.S. federal jurisdiction, various states and jurisdictions 
outside the U.S.  With few exceptions, Tredegar is no longer subject to U.S. federal, state or non-U.S. income tax examinations 
by tax authorities for years before 2017.

As of December 31, 2020 and 2019, valuation allowances relating to deferred income tax assets were $17.5 million and 

$3.8 million, respectively.  For more information on deferred income tax assets and liabilities, see Note 16 to the Consolidated 
Financial Statements in Item 15.

24

2020 versus 2019

Results of Operations

Revenues. Sales in 2020 decreased by 8.6% compared with 2019 primarily due to lower sales in Aluminum Extrusions partially 
offset by higher sales in PE Films.  Net sales decreased 14.0% in Aluminum Extrusions primarily due to lower sales volume 
and the pass-through of lower metal costs, partially offset by an increase in average selling prices to cover higher operating 
costs.  Net sales increased 4.1% in PE Films primarily due to higher sales of products in Surface Protection unrelated to 
customer product transitions, partially offset by lower sales associated with the customer product transitions.  Net sales 
increased in Flexible Packaging Films by 0.5% primarily due to increased volume and changes in product mix.  For more 
information on changes in net sales and volume, see the Executive Summary section above.

Operating Costs and Expenses. Consolidated gross profit margin (sales minus cost of goods sold and freight as a percentage of 
sales) was 22.6% in 2020 versus 18.9% in 2019.  The gross profit margin in Flexible Packaging Films increased due to higher 
sales volume, lower raw material costs and favorable product mix.  The gross profit margin in PE Films and Aluminum 
Extrusions was flat compared to 2019.

For more information on changes in operating costs and expenses, see the Executive Summary section above.

Selling, General and Administrative. As a percentage of sales, selling, general and administrative (“SG&A”) and R&D 
expenses were 12.3% in 2020, which increased from 10.2% in 2019.  SG&A and R&D expenses were up year-over-year, while 
net sales decreased.  Increased SG&A expense was primarily due to higher professional fees related to business development 
activities, higher stock-based compensation expense, and corporate costs incurred during 2020 associated with the sale of 
Personal Care Films. 

Plant shutdowns, asset impairments, restructurings and other.  Pre-tax losses associated with plant shutdowns, asset 
impairments, restructurings and other items for continuing operations in 2020 detailed below are shown in the statements of net 
sales and EBITDA from ongoing operations by segment table in Note 5 to the Consolidated Financial Statements in Item 15 
and are included in “Asset impairments and costs associated with exit and disposal activities, net of adjustments” in the 
consolidated statements of income, unless otherwise noted.  A discussion of unrealized gains and losses on investments can also 
be found in Note 4 to the Financial Statements in Item 15 and additional information on restructuring costs can be found in 
Note 17 to the Consolidated Financial Statements in Item 15.

25

($ in millions)
Aluminum Extrusions:

Losses from sale of assets, investment writedowns and other items:
Consulting expenses for ERP feasibility study2
Environmental charges at Newnan, Georgia plant1
COVID-19-related expenses2
Total for Aluminum Extrusions

Q1

Q2

Q3

Q4

2020

$  0.7  $  0.2  $  0.3  $  0.1  $  1.3 
0.3 
  —    —    —   
  —   
1.9 
0.5   
$  0.7  $  1.1  $  0.8  $  0.9  $  3.5 

0.3   
0.5   

0.9   

PE Films:

Losses associated with plant shutdowns, asset impairments and restructurings:

Surface Protection restructuring costs - severance

$  —  $  —  $  —  $  1.6  $  1.6 

(Gains) losses from sale of assets, investment writedowns and other items:
COVID-19-related expenses3

Total for PE Films

Corporate:

  —   
0.3 
$  —  $  0.1  $  —  $  1.8  $  1.9 

0.1    —   

0.2   

Professional fees associated with: internal control over financial reporting; 
business development activities; and implementation of new accounting 
guidance2
Accelerated recognition of stock option-based compensation2
Corporate costs associated with the divestiture of Personal Care Films2
Loss on sale of Bright View3
Write-down of investment in Harbinger Capital Partners Special Situations 
Fund3
Stock compensation expense associated with the fair value remeasurement of 
awards granted at the time of the Special Dividend2

Total for Corporate

$  1.8  $  1.8  $  0.6  $  1.3  $  5.5 
0.1 
0.1    —    —   
  —   
0.8 
(0.3)  
1.1   
  —    —   
2.3 
2.3   
  —    —    —   

0.2    —   

0.1   

0.1   

0.4 

  —    —    —   
0.4 
$  2.0  $  1.9  $  1.8  $  3.8  $  9.5 

0.4   

1. Included in “Cost of goods sold” in the consolidated statements of income.
2. Included in “Selling, general and administrative” in the consolidated statements of income.
3. Included in “Other income (expense), net” in the consolidated statements of income.

Interest Expense.  Interest expense, which is net of amounts capitalized and included in property, plant and equipment ($0.1 
million and $0.3 million capitalized in 2020 and 2019, respectively), was $2.6 million in 2020, compared to $4.1 million for 
2019.  Average debt outstanding and interest rates were as follows: 

(In millions, except percentages)
Floating-rate debt with interest charged on a rollover basis at one-month LIBOR plus a credit 
spread:

2020

2019

Average outstanding debt balance
Average interest rate

2019 versus 2018 

$ 

$ 

33.5 
 2.3 %

85.0 
 4.0 %

Revenues. Sales in 2019 decreased by 3.0% compared with 2018 due to lower sales in Aluminum Extrusions partially offset by 
higher sales in PE Films and Flexible Packaging Films. Net sales decreased 7.6% in Aluminum Extrusions primarily due to 
lower sales volume and the pass-through of lower metal costs, partially offset by an increase in average selling prices to cover 
higher operating costs. Net sales increased 4.8% in PE Films primarily due to higher sales volume and increased selling prices.  
Net sales increased in Flexible Packaging Films by 8.2% primarily due to higher sales volume and increased selling prices. For 
more information on changes in net sales and volume, see the Segment Analysis below.

Operating Costs and Expenses. Consolidated gross profit (sales minus cost of goods sold and freight) as a percentage of sales 
(gross profit margin) was 18.9% in 2019 versus 17.0% in 2018. The gross profit margin in Aluminum Extrusions increased 
primarily as a result of higher selling prices. The gross profit margin in PE Films increased primarily due to higher profits in 
Surface Protection as a result of higher sales volume and increased selling prices.  The gross profit margin in Flexible 
Packaging Films was essentially unchanged from 2018 to 2019.  For more information on changes in operating costs and 
expenses, see the Segment Analysis below.

26

 
Selling, General and Administrative. As a percentage of sales, SG&A and R&D expenses were 10.2% in 2019, which 
increased from 8.8% in 2018. The increase in SG&A and R&D expenses as a percentage of sales can be primarily attributed to 
lower sales for Aluminum Extrusions. Increased spending was due to higher stock-based compensation and consulting fees for 
remediation activities and other costs relating to the Company’s material weaknesses in internal control over financial reporting, 
business development activities and implementation of new accounting guidance.

Plant shutdowns, asset impairments, restructurings and other.  Pre-tax losses associated with plant shutdowns, asset 
impairments, restructurings and other items for continuing operations in 2019 and 2018 detailed below are shown in the 
statements of net sales and EBITDA from ongoing operations by segment table in Note 5 to the Consolidated Financial 
Statements in Item 15 and are included in “Asset impairments and costs associated with exit and disposal activities, net of 
adjustments” in the consolidated statements of income, unless otherwise noted.  A discussion of unrealized gains and losses on 
investments can also be found in Note 4 to the Consolidated Financial Statements in Item 15 and additional information on 
restructuring costs can be found in Note 17 to the Consolidated Financial Statements in Item 15.

($ in millions)
Aluminum Extrusions:

(Gains) losses from sale of assets, investment writedowns and other items:
Wind damage to roof of Elkhart, Indiana plant2
Environmental charges at Carthage Tennessee plant1

Total for Aluminum Extrusions

PE Films:

Losses associated with plant shutdowns, asset impairments and restructurings:

Write-off of films production line - Guangzhou, China facility
Surface Protection restructuring costs - severance

Total for PE Films

Corporate:

Q1

Q2

Q3

Q4

2019

$  —  $  —  $  0.3  $  (0.4) $  (0.1) 
  —    —   
0.6 
$  —  $  —  $  0.7  $  (0.2) $  0.5 

0.4   

0.2   

$  0.4  $  —  $  —  $  —  $  0.4 
  —    —   
0.3 
$  0.4  $  —  $  0.1  $  0.2  $  0.7 

0.1   

0.2   

Professional fees associated with: internal control over financial reporting; 
business development activities; and implementation of new accounting 
guidance2
Accelerated recognition of stock option-based compensation2
Environmental costs not associated with a business unit2

Total for Corporate

$  0.9  $  0.9  $  1.5  $  0.2  $  3.5 
1.3 
  —    —    —   
  —    —    —   
0.6 
$  0.9  $  0.9  $  1.5  $  2.1  $  5.4 

1.3   
0.6   

1. Included in “Cost of goods sold” in the consolidated statements of income.
2. Included in “Selling, general and administrative” in the consolidated statements of income.

27

($ in millions)
Aluminum Extrusions:

Q1

Q2

Q3

Q4

2018

Losses associated with plant shutdowns, asset impairments and restructurings:

Other restructuring costs - severance

$  0.1  $  —  $  —  $  —  $  0.1 

(Gains) losses from sale of assets, investment writedowns and other items:
Wind damage to roof of Elkhart, Indiana plant2
Environmental charges at Carthage Tennessee plant1

Total for Aluminum Extrusions

PE Films:

  —    —   
0.1 
0.3 
  —    —   
$  0.1  $  —  $  0.3  $  0.1  $  0.5 

0.1    —   
0.1   
0.2   

Losses associated with plant shutdowns, asset impairments and restructurings:

Surface Protection restructuring costs - severance

$  —  $  —  $  —  $  0.2  $  0.2 

(Gains) losses from sale of assets, investment writedowns and other items:
Costs to prepare a market study2
Gain on reversal of contingent liability3

Total for PE Films

Corporate:

Professional fees associated with: internal control over financial reporting; and 
implementation of new accounting guidance2
Write-down of investment in Harbinger Capital Partners Special Situations 
Fund3
Business development projects2

Total for Corporate
1. Included in “Cost of goods sold” in the consolidated statements of income.
2. Included in “Selling, general and administrative” in the consolidated statements of income.
3. Included in “Other income (expense), net” in the consolidated statements of income.

0.2 
  —    —   
  —    —    —   
(0.3) 
$  —  $  —  $  0.2  $  (0.1) $  0.1 

0.2    —   
(0.3)  

$  0.3  $  —  $  0.2  $  0.6  $  1.1 

0.2   

0.5 
  —   
0.2   
  —    —    —   
0.5 
$  0.3  $  0.2  $  0.4  $  1.2  $  2.1 

0.1   
0.5   

Interest Expense.  Interest expense, which is net of amounts capitalized and included in property, plant and equipment ($0.3 
million and $0.1 million capitalized in 2019 and 2018, respectively), was $4.1 million in 2019, compared to $5.7 million for 
2018.  Average debt outstanding and interest rates were as follows: 

(In millions, except percentages)
Floating-rate debt with interest charged on a rollover basis at one-month LIBOR plus a credit 
spread:

2019

2018

Average outstanding debt balance
Average interest rate

$ 

85.0 
 4.0 %

$ 

121.3 

 3.8 %

28

Segment Analysis.  A summary of operating results for 2019 versus 2018 for each of the Company’s reporting segments is 
shown below.

Aluminum Extrusions

A summary of results for Aluminum Extrusions is provided below:

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization*
EBIT**

Year Ended
December 31,

2018
2019
  208,249 
  223,866 
$  529,602  $  573,126 

(16,719)   

$  65,683  $  65,479 
(16,866) 
$  48,964  $  48,613 
$  17,855  $  12,966 

Favorable/
(Unfavorable)

% Change

 (7.0) %
 (7.6) %

 0.3 %
 0.9 %
 0.7 %

Capital expenditures
*    Excludes pre-tax accelerated amortization of trade names of $10.0 million in the year ended December 31, 2019.
**  See the table in Item 6 for a reconciliation of this non-GAAP measure to GAAP.

Net sales in 2019 decreased versus 2018 primarily due to lower sales volume and the pass-through of lower metal costs, 

partially offset by an increase in average selling prices to cover higher operating costs. 

EBITDA from ongoing operations in 2019 increased slightly in comparison to 2018.  Excluding the adverse impact of the 
accounting for inventories under the last in, first out method in the fourth quarter of 2019 versus 2018 ($1.5 million), EBITDA 
from ongoing operations increased $1.7 million despite a 7% decline in sales volume.  The increase was primarily due to higher 
pricing ($22.8 million) and fabrication profits ($1.0 million), partially offset by lower sales volume ($8.7 million), increased 
labor and employee-related expenses ($7.4 million), higher supplies, maintenance, utilities and other operating costs ($2.0 
million), increased freight costs ($2.0 million) and increased general and administrative expenses ($1.9 million). 

PE Films

A summary of results for PE Films is provided below: 

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization
EBIT*

Capital expenditures
*  See the table in Item 6 for a reconciliation of this non-GAAP measure to GAAP.

Year Ended
December 31,

2019
43,983 

2018
40,173 
$  133,807  $  127,708 

(5,860)   

$  41,133  $  32,404 
(6,201) 
$  35,273  $  26,203 
2,523 
$ 

8,567  $ 

Favorable/
(Unfavorable)

% Change

 9.5 %
 4.8 %

 26.9 %
 5.5 %
 34.6 %

Net sales in 2019 increased by $6.1 million versus 2018 primarily due to higher sales in Surface Protection.  Surface 
Protection’s sales increased $5.8 million due to higher sales volume and increased selling prices, partially offset by unfavorable 
product mix.

EBITDA from ongoing operations in 2019 increased by $8.7 million versus 2018 primarily due to: 

•

•

A $6.8 million increase from Surface Protection, primarily due to higher selling prices ($6.0 million), quality 
claims in 2018 that did not recur in 2019 ($1.2 million), production efficiencies ($1.4 million) and favorable raw 
material costs ($1.9 million), partially offset by unfavorable mix (net impact of $2.0 million) and higher fixed 
manufacturing and general and administrative costs ($1.5 million); and

A $1.6 million increase from Pottsville Packaging primarily related to higher sales volume ($1.5 million), 
increased productivity ($0.5 million) and increased selling prices ($0.2 million), partially offset by unfavorable 
product mix ($1.0 million).     

29

 
 
 
 
Flexible Packaging Films

A summary of results for Flexible Packaging Films is provided below:

(In thousands, except percentages)
Sales volume (lbs)

Net sales
Ongoing operations:
EBITDA
Depreciation & amortization
EBIT*

Capital expenditures
*  See the table in Item 6 for a reconciliation of this non-GAAP measure to GAAP.

Year Ended
December 31,

2018
2019
98,994 
  105,276 
$ 133,935  $ 123,830 

$  14,737  $  11,154 
(1,262) 
9,892 
5,423 

(1,517)   
$  13,220  $ 
8,866  $ 
$ 

Favorable/
(Unfavorable)
% Change

 6.3 %
 8.2 %

 32.1 %
 (20.2) %
 33.6 %

Net sales in 2019 increased versus 2018 primarily due to higher sales volume and increased selling prices.  

Terphane’s EBITDA from ongoing operations in 2019 increased by $3.6 million versus 2018 due to: 

•

•

•

Higher volume ($2.6 million) and higher selling prices ($1.6 million), partially offset by higher fixed and variable 
costs, including costs related to a restarted line ($2.0 million);      

Net favorable foreign currency translation of Real-denominated operating costs of $0.4 million; and       

Foreign currency transaction gains of $1.0 million in 2019 versus losses of $0.8 million in 2018.  

Liquidity and Capital Resources

The Company continuously focuses on working capital management.  Measures such as days sales outstanding (“DSO”), 
days inventory outstanding (“DIO”) and days payables outstanding (“DPO”) are used to evaluate changes in working capital.  
Changes in operating assets and liabilities from continuing operations from December 31, 2019 to December 31, 2020 are 
summarized below. Cash flows for discontinued operations have not been separately disclosed in the consolidated statements of 
cash flows.

•

Accounts and other receivables decreased $2.8 million (3.1%).

◦

◦

◦

Accounts and other receivables in Aluminum Extrusions decreased by $3.3 million primarily due to lower sales 
volume and lower sales prices from the pass-through of lower metal costs, partially offset by an increase in average 
selling prices.  DSO (computed using trailing 12 months net sales and a rolling 12-month average of accounts and 
other receivables balances) was approximately 47.5 days in 2020 and 48.5 days in 2019.

Accounts and other receivables in PE Films decreased by $0.3 million as the removal of assets related to Bright View 
was partially offset by increased accounts receivables in Surface Protection due to higher sales.  DSO was 
approximately 30.2 days in 2020 and 34.7 days in 2019. 

Accounts and other receivables in Flexible Packaging Films remained consistent compared to the prior year.  DSO 
was approximately 41.0 days in 2020 and 37.7 days in 2019.

•

Inventories increased $2.2 million (3.5%).

◦

◦

◦

Inventories in Aluminum Extrusions increased by $3.2 million primarily due to higher average aluminum prices and 
COVID-19-related operational and production inefficiencies.  DIO (computed using trailing 12 months costs of goods 
sold calculated on a first in, first out basis and a rolling 12-month average of inventory balances calculated on the 
first-in, first-out basis) was approximately 39.3 days in 2020 and 38.6 days in 2019.

Inventories in PE Films increased by $0.7 million primarily due to higher raw material levels in Surface Protection 
partially offset by the removal of assets related to Bright View.  DIO was approximately 59.2 days in 2020 and 51.3 
days in 2019.

Inventories in Flexible Packaging Films decreased by $1.6 million primarily due to increased sales volume and lower 
resin costs partially offset by higher raw material levels.  DIO was approximately 89.4 days in 2020 and 94.3 days in 
2019. 

• Net property, plant and equipment decreased by $7.0 million (4.0%) primarily due to depreciation expenses of 

$23.4 million, a reduction from the effect of changes in foreign exchange rates of $3.3 million and the removal of assets 
related to Bright View of $2.3 million, partially offset by capital expenditures of $21.4 million.

30

 
 
•

Identifiable intangible assets, net decreased by $3.8 million (16.9%) primarily due to amortization expense of $3.0 million 
and the removal of assets related to Bright View of $0.6 million.

• Accounts payable increased by $2.4 million (2.8%).

◦

◦

◦

Accounts payable in Aluminum Extrusions increased by $3.3 million, primarily due to increased inventory levels as a 
result of COVID-19-related lower demand.  DPO (computed using trailing 12 months costs of goods sold calculated 
on a first in, first out basis and a rolling 12-month average of accounts payable balances) was approximately 53.1 
days in 2020 and 49.9 days in 2019.

Accounts payable in PE Films decreased by $3.2 million primarily due to effective working capital management and 
the normal volatility associated with the timing of payments.  DPO was approximately 36.8 days in 2020 and 37.1 
days in 2019.

Accounts payable in Flexible Packaging Films increased by $0.5 million, primarily due the negotiation of longer 
payment terms partially offset by reduced resin costs.  DPO was approximately 61.7 days in 2020 and 55.2 days in 
2019.

Net cash provided by operating activities was $74.4 million in 2020 compared to $115.9 million in 2019.  The decrease is 
primarily due to significant net working capital efficiencies in 2019 versus 2020 ($28.5 million), a dividend received from kaléo 
in 2019 ($17.6 million), and higher pension and postretirement benefit plan contributions ($4.1 million), partially offset by 
higher EBITDA from ongoing operations for business segments of $9.3 million in 2020 versus the prior period. 

Cash provided by investing activities was $32.9 million in 2020 compared to cash used in investing activities of $39.9 

million in 2019.  Cash provided by investing activities in 2020 includes the net cash proceeds received for the sale of Personal 
Care Films ($55.1 million) and Bright View ($1.1 million), partially offset by capital expenditures of $23.4 million.  Cash used 
in investing activities in 2019 includes capital expenditures of $50.9 million, which was partially offset by $10.9 million of cash 
proceeds received for the sale of the PE Films’ Shanghai manufacturing facility.

Net cash used in financing activities of $125.6 million in 2020 compared to $77.3 million in 2019.  The increase is 
primarily due to higher net borrowings of $151.5 million under the Credit Agreement (as defined below) and higher dividend 
payments to shareholders of $200.7 million primarily due to the $200 million Special Dividend (partially funded from 
borrowings under the Credit Agreement, as defined below), partially offset by lower debt financing costs of $1.1 million.

On December 1, 2020, Tredegar entered into an amendment (“Amendment No. 1”) to its five-year secured revolving 
credit agreement (the “Credit Agreement”), which matures in June 2024.  The material changes from Amendment No. 1 are as 
follows:

•

•

•

Aggregate borrowings available under the facility were reduced from $500 million to $375 million.

The definition of Credit EBITDA was amended to permit certain adjustments for prepayment of pension obligations 
on a pro forma basis.

Amendments were made to certain of the negative covenants, including, among other amendments, the following: (i) 
the restricted payments covenant was amended to permit a one-time special dividend payment of up to $200 million 
and allow for an aggregate amount of dividend payments up to $75 million subsequent to Amendment No. 1 through 
the maturity date of the Credit Agreement; (ii) the asset disposition covenant was amended to reduce the general 
basket to 20% of consolidated total assets over the life of the facility and was reset as of December 1, 2020; and (iii) 
the indebtedness covenant was amended to reduce several baskets to $25 million each.

31

Net capitalization and indebtedness as defined under the Credit Agreement as of December 31, 2020 were as follows: 

Net Capitalization and Indebtedness as of December 31, 2020
(In thousands)

Net capitalization:

Cash and cash equivalents
Debt:

Credit Agreement

Debt, net of cash and cash equivalents
Shareholders’ equity
Net capitalization

Indebtedness as defined in Credit Agreement:

Total debt
Indebtedness

$ 

11,846 

134,000 
122,154 
109,055 
231,209 

134,000 
134,000 

$ 

$ 
$ 

The credit spread and commitment fees charged on the unused amount under the Credit Agreement at various 

indebtedness-to-Credit EBITDA levels are as follows:

Pricing Under Credit Agreement (Basis Points)

Indebtedness-to-Credit EBITDA Ratio
> 3.5x but <= 4.0x
> 3.0x but <= 3.5x
> 2.0x but <= 3.0x
> 1.0x but <= 2.0x
<= 1.0x

Credit Spread
Over LIBOR
200.0 
187.5 
175.0 
162.5 
150.0 

Commitment
Fee

40 
35 
30 
25 
20 

At December 31, 2020, the interest rate on debt under the Credit Agreement existing at that date was priced at one-month 

LIBOR plus the applicable credit spread of 162.5 basis points.  Under the Credit Agreement, borrowings are permitted up to 
$375 million, and approximately $241 million was available to borrow at December 31, 2020, based upon the most restrictive 
covenant within the Credit Agreement.

The computations of Credit EBITDA, the leverage ratio and interest coverage ratio as defined in the Credit Agreement are 

presented below along with the related most restrictive covenants.  Credit EBITDA as defined in the Credit Agreement is not 
intended to represent net income or cash flow from operations as defined by GAAP and should not be considered as either an 
alternative to net income or to cash flow.

32

 
 
 
 
 
 
 
 
 
 
 
 
 
Computations of Credit EBITDA, Leverage Ratio and Interest Coverage Ratio as Defined in the Credit Agreement Along 
with Related Most Restrictive Covenants
As of and for the Twelve Months Ended December 31, 2020 (In thousands)

Computations of Credit EBITDA as defined in Credit Agreement for the twelve months ended December 31, 2020

Net income (loss)
Plus:

After-tax losses related to discontinued operations
Total income tax expense for continuing operations
Interest expense
Depreciation and amortization expense for continuing operations
All non-cash losses and expenses, plus cash losses and expenses not to exceed $10,000, for continuing 
operations that are classified as unusual, extraordinary or which are related to plant shutdowns, asset 
impairments and/or restructurings (cash-related of $10,000)
Charges related to stock option grants and awards accounted for under the fair value-based method
Losses related to the application of the equity method of accounting
Losses related to adjustments in the estimated fair value of assets accounted for under the fair value 
method of accounting

Minus:

After-tax income related to discontinued operations
Total income tax benefits for continuing operations
Interest income
All non-cash gains and income, plus cash gains and income in excess of $10,000, for continuing 
operations that are classified as unusual, extraordinary or which are related to plant shutdowns, asset 
impairments and/or restructurings
Income related to changes in estimates for stock option grants and awards accounted for under the fair 
value-based method
Income related to the application of the equity method of accounting
Income related to adjustments in the estimated fair value of assets accounted for under the fair value 
method of accounting

Plus cash dividends declared on investments in an amount not to exceed $10,000 for such period
Plus or minus, as applicable, pro forma EBITDA adjustments associated with acquisitions and asset 
dispositions
Plus or minus, as applicable, pro forma EBITDA adjustments to pension expense associated with the early 
payment of pension obligations
Credit EBITDA as defined in Credit Agreement

Computations of leverage and interest coverage ratios as defined in Credit Agreement at December 31, 2020:

Leverage ratio (indebtedness-to-Credit EBITDA)
Interest coverage ratio (Credit EBITDA-to-interest expense)

Most restrictive covenants as defined in Credit Agreement:

Maximum permitted aggregate amount of dividends that can be paid by Tredegar subsequent to Amendment 
No. 1 of the Credit Agreement ($75,000)
Maximum leverage ratio permitted
Minimum interest coverage ratio permitted

$ 

(75,444) 

58,611 
— 
2,587 
26,446 

26,384 
2,161 
— 

60,900 

— 
(8,213) 
(44) 

— 

— 
— 

— 
— 

— 

— 
93,388 

$ 

1.43x
36.1x

75,000 
4.00x
3.00x

Tredegar was in compliance with all of its debt covenants as of December 31, 2020.  Noncompliance with any of the debt 
covenants may have a material adverse effect on its financial condition or liquidity, in the event such noncompliance cannot be 
cured or should the Company be unable to obtain a waiver from the lenders.  Renegotiation of the covenant through an 
amendment to the Credit Agreement may effectively cure the noncompliance, but may have an effect on its financial condition 
or liquidity depending upon how the covenant is renegotiated.

The Company believes that existing borrowing availability, current cash balances and cash flow from operations will be 

sufficient to satisfy working capital, capital expenditure and dividend requirements for at least the next twelve months.

At December 31, 2020, Tredegar had cash and cash equivalents of $11.8 million, including funds held in locations outside 

the U.S. of $9.4 million.   

33

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Contractual Obligations, Contingent Liabilities and Commitments

Following is a table which summarizes the continuing operations contractual obligations of Tredegar as of December 31, 

2020: 

(In millions)
Debt:

2021

2022

Payments Due by Period
2024

2025

2023

Remainder

Total

Principal payments
Estimated interest expense
Estimated contributions required: (1)

$ 

—  $ 
2.3 

—  $ 
2.3 

—  $ 
2.3 

134.0  $ 
1.1 

—  $ 
— 

—  $ 
— 

134.0 
8.0 

Defined benefit plans
Other postretirement benefits

Capital expenditure commitments
Leases(2)
Estimated obligations relating to 
uncertain tax positions (3)
Other (4)
Total

11.7 
0.5 
1.3 
3.2 

12.0 
0.5 
3.1 
2.9 

11.9 
0.5 
— 
2.6 

11.3 
0.5 
— 
2.5 

9.7 
0.5 
— 
2.4 

9.5 
2.1 
— 
7.4 

66.1 
4.6 
4.4 
21.0 

0.1 
4.2 
23.3  $ 

— 
0.6 
21.4  $ 

— 
— 
17.3  $ 

— 
— 
149.4  $ 

— 
— 
12.6  $ 

0.6 
— 
19.6  $ 

0.7 
4.8 
243.6 

$ 

(1) 

Estimated minimum required contributions for defined benefit plans and benefit payments for other postretirement plans are based on actuarial estimates 
using current assumptions for discount rates, long-term rate of return on plan assets, rate of compensation increases and health care cost trends.  The 
expected defined benefit plan contribution estimates for 2021 through 2030 were determined under provisions of the Pension Protection Act of 2006 
using the preliminary assumptions chosen by Tredegar for the 2021 plan year.  Tredegar has determined that it is not practicable to present defined 
benefit contributions and other postretirement benefit payments beyond 2030.

(2) 

Contractual lease payments for 2021 include $0.5 million of short term lease payments and $0.3 million of variable lease costs.

(3)  Amounts for which reasonable estimates about the timing of payments cannot be made are included in the remainder column.

(4) 

Includes contractual severance and other miscellaneous contractual arrangements.

From time to time, the Company enters into transactions with third parties in connection with the sale of assets or 
businesses in which it agrees to indemnify the buyers or third parties involved in the transaction, or the sellers or third parties 
involved in the transaction agree to indemnify Tredegar, for certain liabilities or risks related to the assets or business.  Also, in 
the ordinary course of business, the Company may enter into agreements with third parties for the sale of goods or services that 
may contain indemnification provisions.  In the event that an indemnification claim is asserted, liability for indemnification 
would be subject to an assessment of the underlying facts and circumstances under the terms of the applicable agreement.  
Further, any indemnification payments may be limited or barred by a monetary cap, a time limitation, or a deductible or basket.  
For these reasons, the Company is unable to estimate the maximum potential amount of the potential future liability under the 
indemnity provisions of these agreements.  Tredegar does, however, accrue for losses for any known contingent liability, 
including those that may arise from indemnification provisions, when future payment is probable and the amount is reasonably 
estimable.  The Company discloses contingent liabilities if the probability of loss is reasonably possible and material.

Quantitative and Qualitative Disclosures about Market Risk

Tredegar has exposure to the volatility of interest rates, polyethylene and polypropylene resin prices, Terephthalic Acid 
(“PTA”) and Monoethylene Glycol (“MEG”) prices, aluminum ingot and scrap prices, energy prices, foreign currencies and 
emerging markets. See Liquidity and Capital Resources regarding interest rate exposures related to borrowings under the 
Credit Agreement.

Profit margins in Aluminum Extrusions are sensitive to fluctuations in aluminum ingot and scrap prices as well as natural 
gas prices (natural gas is the principal energy source used to operate its casting furnaces). Changes in polyethylene resin prices 
and the timing of those changes could have a significant impact on profit margins in PE Films. Changes in polyester resin, PTA 
and MEG prices, and the timing of those changes, could have a significant impact on profit margins in Flexible Packaging 
Films. There is no assurance of the Company’s ability to pass through higher raw material and energy costs to its customers.

In the normal course of business, Aluminum Extrusions enters into fixed-price forward sales contracts with certain 
customers for the sale of fixed quantities of aluminum extrusions at scheduled intervals. In order to hedge its exposure to 
aluminum price volatility (see the chart below) under these fixed-price arrangements, which generally have a duration of not 
more than 12 months, the Company enters into a combination of forward purchase commitments and futures contracts to 
acquire or hedge aluminum, based on the scheduled deliveries. See Note 9 to the Consolidated Financial Statements in Item 15 
for additional information.

The volatility of quarterly average aluminum prices is shown in the chart below.

34

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Quarterly Average Price of Aluminum
(U.S. Midwest Transaction Price - Cents Per Pound)

104

92

80

76

77

79

80

94

96

85

105

99

124

112

114

109

104

100

98

95

90

100

90

77

1st Qtr. 2015

2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016

2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017

2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018

2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019

2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020

2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

   Source:  Quarterly averages computed by the Company using daily Midwest average prices provided by Platts.

The volatility of quarterly average natural gas prices is shown in the chart below.

Quarterly Average Price of Natural Gas
(NYMEX Settlement Prices - $ Per mmBtu)

2.98

2.64

2.77

2.38

2.09 1.95

2.81 2.98

3.32

3.18

3.00 2.93

3.00

2.80

2.90

3.64

3.15

2.64

2.23

2.50

1.95

1.72

1.98

2.66

1st Qtr. 2015

2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016

2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017

2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018

2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019

2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020

2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

    Source:  Quarterly averages computed by Tredegar using monthly NYMEX settlement prices.

35

The volatility of average quarterly prices of polyethylene resin in the U.S. (a primary raw material for PE Films products) 

is shown in the chart below:

Quarterly Average U.S. Large Buyer Price for Polyethylene Resin
(Cents Per Pound)

77

79

75

71

68

75

77

77

79

81

83

90

90

91

90

89

88

85

84

83

73

66

55

53

51

1st Qtr. 2015

2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016

2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017

2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018

2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019

2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020

2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

Source: Quarterly averages computed by Tredegar using monthly data provided by IHS, Inc. In February 2020, IHS reflected a 32 cents per pound non-market adjustment based 
on their estimate of the growth of discounts in prior periods. The 4th quarter 2019 average rate of $0.51 per pound is shown on a pro forma basis as if the non-market adjustment 
was made in the fourth quarter of 2019.

The price of resin is driven by several factors, including supply and demand and the price of oil, ethylene and natural gas. 

Selling prices to customers are set considering numerous factors, including the expected volatility of resin prices. In certain 
situations, PE Films has index-based pass-through raw material cost arrangements with customers. However, under certain 
agreements, changes in resin prices are not passed through for a period of 90 days or more. Pricing on the remainder of the 
business is based upon raw material costs and supply/demand dynamics within the markets that the Company competes.

Polyester resins, MEG and PTA used in flexible packaging films produced in Brazil are primarily purchased domestically, 

with other sources available mostly from Asia and the U.S. Given the nature of these products as commodities, pricing is 
derived from Asian pricing indexes. The volatility of the average quarterly prices for polyester fibers in Asia, which is 
representative of polyester resin (a primary raw material for Flexible Packaging Films) pricing trends, is shown in the chart 
below:

Quarterly Average Asian Buyer Price for Polyester Fiber
(Cents per Pound)

47

42

42

38

37

39

38

39

45

43

44

46

49

51

54

53

47

45

40

36

34

26

26

28

1st Qtr. 2015

2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016

2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017

2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018

2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019

2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020

2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

   Source:  Quarterly averages computed by Tredegar using monthly data from CMAI Global Index data.

36

The volatility of average quarterly prices of PTA and MEG in Asia (raw materials used in the production of polyester 

resins produced by Flexible Packaging Films) is shown in the chart below:

Quarterly Average Asian Buyer Price for Terephthalic Acid and Monoethlyene Glycol
(Cents Per Pound)

70
65
60
55
50
45
40
35
30
25
20

1st Qtr. 2015

2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016

2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017

2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018

2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019

2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020

2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

Monoethylene Glycol Fiber Grade (Cents/Lb)

Terephthalic Acid (Cents/Lb)

  Source:  Quarterly averages computed by Tredegar using monthly data from CMAI Global Index data.

The Company sells to customers in foreign markets through its foreign operations and through exports from U.S. plants.  
The percentage of sales and total assets for manufacturing operations related to foreign markets for 2020, 2019 and 2018 are as 
follows:

Tredegar Corporation
Percentage of Net Sales and Total Assets Related to Foreign Markets*

2020

% of Total
Net Sales

Exports
From
U.S.

2 
1 
  — 
11 
14 

Foreign 
Operations
— 
— 
13 
— 
13 

2019

% of Total
Net Sales

Exports
From
U.S.

2 
1 
1 
10 
14 

Foreign 
Operations
— 
— 
12 
— 
12 

2018

% of Total
Net Sales

Exports
From
U.S.

2 
  — 
  — 
9 
11 

Foreign 
Operations
— 
— 
10 
1 
11 

% Total
Assets - 
Foreign
Operations
— 
— 
7 
3 
10 

% Total
Assets - 
Foreign 
Operations
— 
— 
10 
4 
14 

% Total
Assets -
Foreign
Operations
— 
— 
7 
3 
10 

Canada
Europe
Latin America
Asia

Total

*

The percentages for foreign markets are relative to Tredegar’s consolidated net sales and total assets .

Tredegar attempts to match the pricing and cost of its products in the same currency and generally views the volatility of 

foreign currencies and the corresponding impact on earnings and cash flow as part of the overall risk of operating in a global 
environment (for additional information, see trends for the Brazilian Real and Chinese Yuan in the charts on the following 
page). Exports from the U.S. are generally denominated in U.S. Dollars. The Company’s foreign currency exposure on income 
from continuing foreign operations relates to the Chinese Yuan and the Brazilian Real.

PE Films is generally able to match the currency of its sales and costs for its product lines. For flexible packaging films 
produced in Brazil, selling prices and key raw material costs are principally determined in U.S. Dollars and are impacted by 
local economic conditions and local and global competitive dynamics. Flexible Packaging Films is exposed to foreign exchange 
translation risk (its functional currency is the Brazilian Real) because almost 90% of the sales of Flexible Packaging Films 
business unit in Brazil (“Terphane Ltda.”) and substantially all of its related raw material costs are quoted or priced in U.S. 
Dollars while its variable conversion, fixed conversion and sales, general and administrative costs before depreciation & 
amortization (collectively “Terphane Ltda. Operating Costs”) are quoted or priced in Brazilian Real. This mismatch, together 

37

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
with a variety of economic variables impacting currency exchange rates, causes volatility that could negatively or positively 
impact EBITDA from ongoing operations for Flexible Packaging Films.

The Company estimates annual net costs of R$119 million for the net mismatch translation exposure between Terphane 

Ltda.’s U.S. Dollar quoted or priced sales and raw material costs and underlying Brazilian Real quoted or priced Terphane Ltda. 
Operating Costs. Terphane Ltda. has outstanding foreign exchange average forward rate contracts to purchase Brazilian Real 
and sell U.S. Dollars to hedge its exposure. See Note 9 to the Consolidated Financial Statements in Item 15 for more 
information on outstanding hedging contracts and this hedging program.

Tredegar estimates that the change in the value of foreign currencies relative to the U.S. Dollar on PE Films had an 
unfavorable impact on EBITDA from ongoing operations in PE Films of $0.7 million in 2020 compared to 2019 and an 
unfavorable impact on EBITDA from ongoing operations of $0.5 million in 2019 compared with 2018.

Trends for the Brazilian Real and Chinese Yuan are shown in the chart below: 

Quarterly Avg. Exchange Rates of Brazilian Real & Chinese Yuan Relative to the U.S.
Dollar

0.80

0.60

0.40

0.20

0.1700

0.1600

0.1500

0.1400

0.1300

0.1200

0.1100

1st Qtr. 2015
2nd Qtr. 2015

3rd Qtr. 2015

4th Qtr 2015

1st Qtr. 2016
2nd Qtr. 2016

3rd Qtr. 2016

4th Qtr 2016

1st Qtr. 2017
2nd Qtr. 2017

3rd Qtr. 2017

4th Qtr 2017

1st Qtr. 2018
2nd Qtr. 2018

3rd Qtr. 2018

4th Qtr 2018

1st Qtr. 2019
2nd Qtr. 2019

3rd Qtr. 2019

4th Qtr 2019

1st Qtr. 2020
2nd Qtr. 2020

3rd Qtr. 2020

4th Qtr 2020

Quarterly Average of U.S. Dollar Equivalent of 1 Brazilian Real (Left Axis)
Quarterly Average of U.S. Dollar Equivalent of 1 Chinese Yuan (Right Axis)

    Source:  Quarterly averages computed by Tredegar using daily closing data provided by Bloomberg.

38

Item 7A.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

See discussion of Quantitative and Qualitative Disclosures about Market Risk in Item 7.

Item 8. 

FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

The information required by this Item 8 is set forth in Item 15 and is hereby incorporated herein by reference.

Item 9. 

CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND 
FINANCIAL DISCLOSURE 

None.

Item 9A.

CONTROLS AND PROCEDURES

On November 1, 2018, the Company filed a Current Report on Form 8-K (the “November 2018 Form 8-K”) to disclose 

deficiencies in internal control over financial reporting.  For further information, see the November 2018 Form 8-K and Item 4. 
“Controls and Procedures” of the Company’s Quarterly Report on Form 10-Q for the quarterly period ended September 30, 
2018 (the “2018 Third Quarter 10-Q”).

Evaluation of Disclosure Controls and Procedures

In connection with the preparation of this Form 10-K, pursuant to Rule 13a-15(b) under the Exchange Act, the Company 
carried out an evaluation, with the participation of its management, including its Chief Executive Officer (principal executive 
officer) and Chief Financial Officer (principal financial officer), of the effectiveness of disclosure controls and procedures (as 
defined under Rule 13a-15(e) and 15d-15(e) under the Exchange Act) as of December 31, 2020.

Based on this evaluation, the Company’s Chief Executive Officer and Chief Financial Officer concluded that, because of 

the material weaknesses in internal control over financial reporting discussed below, the Company’s disclosure controls and 
procedures were not effective as of December 31, 2020, to ensure: (i) 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 (ii) that such information is accumulated and communicated to 
management, including the Chief Executive Officer and Chief Financial Officer, as appropriate, to allow timely decisions 
regarding required disclosure.

Management’s Report on Internal Control Over Financial Reporting

The Company’s management is responsible for establishing and maintaining adequate internal control over financial 
reporting, as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange Act.  The Company’s internal control 
over financial reporting is a process designed by or under the supervision of the Company’s Chief Executive Officer and Chief 
Financial Officer, and overseen by the Board of Directors, to provide reasonable assurance regarding the reliability of financial 
reporting and the preparation of published financial statements for external purposes in accordance with GAAP and includes 
policies and procedures that:

•

•

•

Pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and 
dispositions of the Company’s assets;

Provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial 
statements in accordance with GAAP, and that the Company’s receipts and expenditures are being made only in 
accordance with the authorization of its management and directors; and

Provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or 
disposition of the Company’s assets that could have a material effect on the consolidated financial statements.

Because of its inherent limitations, internal control over financial reporting is not intended to provide absolute assurance 
that a misstatement of the Company’s consolidated financial statements would be prevented or detected.  Also, projections of 
any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes 
in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

A material weakness is a deficiency, or combination of deficiencies, in internal control over financial reporting, such that 
there is a reasonable possibility that a material misstatement of the annual or interim financial statements will not be prevented 
or detected on a timely basis.

Management conducted an evaluation of the effectiveness of the Company’s internal control over financial reporting 
using the criteria in Internal Control - Integrated Framework 2013 issued by the Committee of Sponsoring Organizations of the 
Treadway Commission (the “2013 COSO Framework”).  As a result of this evaluation, management concluded that the 

39

Company’s internal control over financial reporting was not effective as of December 31, 2020, because of the material 
weaknesses in internal control over financial reporting discussed below.

•

•

•

Control  Environment:    The  Company  did  not  have  a  sufficient  number  of  trained  resources  with  assigned 
responsibility  and  accountability  for  the  design,  operation  and  documentation  of  internal  control  over  financial 
reporting in accordance with the 2013 COSO Framework.

Risk Assessment:  The Company did not have an effective risk assessment process that defined clear financial 
reporting objectives and evaluated risks, including fraud risks, and risks resulting from changes in the external 
environment and business operations, at a sufficient level of detail to identify all relevant risks of material 
misstatement across the entity.

Information and Communication:  The Company did not have an effective information and communication 
process that identified and assessed the source of and controls necessary to ensure the reliability of information 
used in financial reporting and that communicates relevant information about roles and responsibilities for internal 
control over financial reporting.

• Monitoring Activities:  The Company did not have effective monitoring activities to assess the operation of 

internal control over financial reporting, including the continued appropriateness of control design and level of 
documentation maintained to support control effectiveness.

•

Control Activities:  As a consequence of the material weaknesses described above, internal control deficiencies 
related to the design and operation of process-level controls and general information technology controls were 
determined to be pervasive throughout the Company’s financial reporting processes.

While these material weaknesses did not result in material misstatements of the Company’s financial statements as of and 
for the year ended December 31, 2020, these material weaknesses create a reasonable possibility that a material misstatement of 
account balances or disclosures in annual or interim consolidated financial statements may not be prevented or detected in a 
timely manner.  Accordingly, the Company concluded that the deficiencies represent material weaknesses in its internal control 
over financial reporting and its internal control over financial reporting was not effective as of December 31, 2020.

The Company’s independent registered public accounting firm, KPMG LLP, which audited the 2020 consolidated 
financial statements included in this Form 10-K, has expressed an adverse opinion on the operating effectiveness of the 
Company's internal control over financial reporting. KPMG LLP's report appears on page 47 of this Form 10-K.

Remediation Plan

The Company’s remediation efforts are ongoing, and it will continue its initiatives to implement and document policies 

and procedures, and strengthen the Company’s internal control environment. Remediation of the identified material 
weaknesses and strengthening the Company’s internal control environment has extended into 2021.  In addition, the Company 
is monitoring the impact of COVID-19 on its remediation plan.  Depending on the severity and length of the pandemic, the 
remediation timeline could be negatively impacted because of inefficiencies caused by COVID-related limitations on travel, 
meetings, on-site work and close collaboration and the related increase in time necessary to complete remediation projects.

The material weaknesses cannot be considered completely remediated until the applicable controls have operated for a 

sufficient period of time and management has concluded, through testing, that these controls are operating effectively. 

To remediate the material weaknesses described above, the Company is pursuing the six remediation steps identified in 

the 2018 Third Quarter 10-Q.  To date, the Company has accomplished the following as part of those remediation steps:

a.

Identified material processes and significant locations for the purpose of identifying risks of material 
misstatement to the Company’s financial statements,

b. Conducted interviews with relevant parties to ensure our understanding of the activities involved in the recording 

of transactions within material processes,

c. Substantially completed a comprehensive review and update, as necessary, of the documentation of relevant 

processes with respect to the Company’s internal control over financial reporting, 

d. Documented significant elements of a comprehensive risk assessment and internal control gap analysis and 

commenced the validation thereof with key stakeholders,

e. Commenced the design of certain new or redesigned internal controls, and

f. Commenced the design and implementation of internal controls for certain processes within its Aluminum 
Extrusions business, PE Films business, its Flexible Packaging business, and its corporate functions.

The Company continues to work with its outside consultant, an internationally recognized accounting firm, to assist in 

completing the remediation plan.  The Company believes that its remediation plan will be sufficient to remediate the identified 

40

material weaknesses and strengthen its internal control over financial reporting.  As the Company continues to evaluate, and 
works to improve, its internal control over financial reporting, management may determine that additional measures to address 
control deficiencies or modifications to the remediation plan are necessary.  The Company cannot assure you, however, when it 
will remediate such weaknesses, nor can it be certain whether additional actions will be required or the costs of any such 
actions.  Moreover, the Company cannot assure you that additional material weaknesses will not arise in the future.

Changes in Internal Control Over Financial Reporting

The Company is in the process of implementing certain changes in its internal controls to remediate the material 
weaknesses described above.  The implementation of the material aspects of this plan began in the second quarter of 2019.  
During the quarter ended December 31, 2020, the Company, with the assistance of its outside consultant, continued the design 
and implementation of internal controls for certain processes within its Aluminum business, PE Films business, Flexible 
Packaging business and its corporate function.  Except as noted above with respect to the implementation of the remediation 
plan, there has been no change in the Company’s internal control over financial reporting during the quarter ended December 
31, 2020, that has materially affected, or is reasonably likely to materially affect, its internal control over financial reporting.

Item 9B.  OTHER INFORMATION

None. 

41

PART III

Item 10. 

DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

The information concerning directors and persons nominated to become directors of Tredegar to be included in the Proxy 
Statement under the headings “Proposal 1: Election of Directors” and “Tredegar’s Board of Directors” is incorporated herein by 
reference. 

The information concerning corporate governance to be included in the Proxy Statement under the headings “Board 
Meetings, Meetings of Non-Management Directors and the Board Committees” and “Corporate Governance” is incorporated 
herein by reference.

Set forth below are the names, ages and titles of the Company’s executive officers:

Name
John M. Steitz
D. Andrew Edwards
Kevin C. Donnelly

Age Title
  62  President and Chief Executive Officer
  62  Executive Vice President and Chief Financial Officer
  46  Vice President, General Counsel and Corporate Secretary

John M. Steitz.  Mr. Steitz was elected President and Chief Executive Officer effective March 19, 2019.  He previously served 
as President and Chief Executive Officer of Addivant Corporation, a leading global supplier of antioxidants, intermediates, 
inhibitors, modifiers, UV stabilizers and other additives to the plastic and rubber industries, from March 2015 until January 
2019, as President and Chief Operating Officer of PQ Corporation, a leading worldwide producer of specialty inorganic 
performance chemicals and catalysts, from October 2013 until March 2015, as President and Chief Executive Officer of 
Avantor Performance Materials, a global supplier of ultra-high-purity life sciences materials with strict regulatory and 
performance specifications, from September 2012 until September 2013, as President and Chief Operating Officer of Albemarle 
Corporation from March 2012 until August 2012, and as Chief Operating Officer and Executive Vice President of Albemarle 
from April 2007 until March 2012.

D. Andrew Edwards.  Mr. Edwards was named Executive Vice President and Chief Financial Officer effective August 6, 
2020. Mr. Edwards had been Vice President and Chief Financial Officer since July 20, 2015.  He previously served as the Chief 
Financial Officer of United Sporting Companies, Inc., a wholesale distributor of outdoor sporting goods, from February 2013 
until July 2015 and as Vice President, Controller and Chief Accounting Officer of Owens & Minor, Inc., a distributor of acute 
medical products, from April 2010 to February 2013 and as Acting Chief Financial Officer of Owens & Minor, Inc. from 
March 2012 to February 2013.  Mr. Edwards also served as Vice President, Finance, of Owens & Minor, Inc. from December 
2009 until April 2010.  Mr. Edwards previously served as the Company’s Vice President, Chief Financial Officer and Treasurer 
from August 2003 to December 2009 and as the Company’s Vice President, Finance from November 1998 to August 2003. Mr. 
Edwards also served as the Company’s Treasurer from May 1997 to December 2009 and as the Company’s Controller from 
October 1992 until July 2000.  

Kevin C. Donnelly.  Mr. Donnelly was elected Vice President, General Counsel and Corporate Secretary effective January 1, 
2021.  He joined Tredegar in 2010 and served as its Associate General Counsel from 2013 to 2020.  Prior to joining Tredegar, 
Mr. Donnelly was an associate at Hunton & Williams LLP (now Hunton Andrews Kurth LLP).  He received a B.A. degree 
from the University of Richmond and a J.D. from the University of Virginia.

Tredegar has adopted a Code of Conduct that applies to all of its directors, officers and employees (including its chief executive 
officer, chief financial officer and principal accounting officer) and has posted the Code of Conduct on its website.  All 
amendments to or waivers from any provision of the Company’s Code of Conduct applicable to the chief executive officer, 
chief financial officer and principal accounting officer will be disclosed on the Company’s website.  The Company’s internet 
address is www.tredegar.com. 

Item 11. 

EXECUTIVE COMPENSATION

The information to be included in the Proxy Statement under the headings “Compensation of Directors,” “Board 
Meetings, Meetings of Non-Management Directors and Board Committees - Executive Compensation Committee Interlocks 
and Insider Participation,” “Compensation Discussion and Analysis,” “Executive Compensation Committee Report” and 
“Compensation of Executive Officers” is incorporated herein by reference.

42

Item 12. 

SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND 
RELATED STOCKHOLDER MATTERS

The information to be included in the Proxy Statement under the heading “Equity Compensation Plan Information” is 

incorporated herein by reference.

Item 13. 

CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE

The information to be included in the Proxy Statement under the headings “Certain Relationships and Related 
Transactions,” “Tredegar’s Board of Directors” and “Board Meetings, Meetings of Non-Management Directors and Board 
Committees” is incorporated herein by reference.

Item 14. 

PRINCIPAL ACCOUNTING FEES AND SERVICES

The following is incorporated herein by reference:

•

•

Information on accounting fees and services to be included in the Proxy Statement under the heading “Audit and 
Non-Audit Fees;” and

Information on the Audit Committee’s procedures for pre-approving certain audit and non-audit services to be 
included in the Proxy Statement under the heading “Board Meetings, Meetings of Non-Management Directors and 
Board Committees—Audit Committee Matters.”

43

PART IV

Item 15. 

EXHIBITS AND FINANCIAL STATEMENT SCHEDULES

(a)

List of documents filed as a part of the report:

(1)

Financial statements:

Tredegar Corporation

Index to Financial Statements and Supplementary Data

Page

Auditors’ Opinions:

Report of Independent Registered Public Accounting Firm

Opinion on Internal Control Over Financial Reporting

Financial Statements:

Consolidated Balance Sheets

Consolidated Statements of Income

Consolidated Statements of Comprehensive Income (Loss)

Consolidated Statements of Cash Flows

Consolidated Statements of Shareholders' Equity

Notes to Financial Statements

(2)

Financial statement schedules:

None

(3) Exhibit Index

45

47

48

49

50

51

52
53

88

44

Report of Independent Registered Public Accounting Firm

To the Shareholders and Board of Directors 
Tredegar Corporation:

Opinion on the Consolidated Financial Statements

We have audited the accompanying consolidated balance sheets of Tredegar Corporation and subsidiaries (the Company) as of 
December 31, 2020 and 2019, the related consolidated statements of income, comprehensive income (loss), cash flows, and 
shareholders’ equity for each of the years in the three-year period ended December 31, 2020, and the related notes (collectively, the 
consolidated financial statements). In our opinion, the consolidated financial statements present fairly, in all material respects, the 
financial position of the Company as of December 31, 2020 and 2019, and the results of its operations and its cash flows for each of 
the years in the three-year period ended December 31, 2020, in conformity with U.S. generally accepted accounting principles.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) 
(PCAOB), the Company’s internal control over financial reporting as of December 31, 2020, based on criteria established in 
Internal Control – Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway 
Commission, and our report dated March 16, 2021 expressed an adverse opinion on the effectiveness of the Company’s internal 
control over financial reporting.

Change in Accounting Principle 

As discussed in Note 1 to the consolidated financial statements, the Company has changed its method of accounting for leases as of 
January 1, 2019 due to the adoption of Accounting Standards Codification Topic 842, Leases.

Basis for Opinion

These consolidated financial statements are the responsibility of the Company’s management. Our responsibility is to express an 
opinion on these consolidated financial statements based on our audits. We are a public accounting firm registered with the PCAOB 
and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the 
applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the 
audit to obtain reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether 
due to error or fraud. Our audits included performing procedures to assess the risks of material misstatement of the consolidated 
financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included 
examining, on a test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also 
included evaluating the accounting principles used and significant estimates made by management, as well as evaluating the overall 
presentation of the consolidated financial statements. We believe that our audits provide a reasonable basis for our opinion.

Critical Audit Matter

The critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial 
statements that was communicated or required to be communicated to the audit committee and that: (1) relates to accounts or 
disclosures that are material to the consolidated financial statements and (2) involved our especially challenging, subjective, or 
complex judgments. The communication of a critical audit matter does not alter in any way our opinion on the consolidated 
financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate 
opinion on the critical audit matter or on the accounts or disclosures to which it relates.

Valuation of investment in kaleo, Inc.

As discussed in Notes 1 and 4 to the consolidated financial statements, the Company accounts for its ownership interest in kaleo, 
Inc. (“kaléo”) under the fair value option of accounting.  The Company estimates the fair value of its investment in kaléo by 
computing the weighted average estimated enterprise value utilizing both the discounted cash flow method (the “DCF method”) and 
the application of a market multiple to earnings before interest, taxes, depreciation and amortization (the “EBITDA multiple 
method”), and applying certain other adjustments. The Company applied an 80% weighting to the DCF method and a 20% 
weighting to the EBITDA multiple method.  As of December 31, 2020, the estimated fair value of the Company’s ownership 
interest in kaléo was $34.6M.  

We identified the assessment of the fair value of the Company’s ownership interest in kaléo as a critical audit matter.  Subjective 
auditor judgment was required to evaluate certain assumptions used in the DCF method.  Specifically, the weighted average cost of 
capital (“WACC”), which was used as the basis for the discount rate, is sensitive to variation such that minor changes to this 
assumption could have a significant impact on the estimated fair value of the Company’s ownership interest in kaléo. 

The following are the primary procedures we performed to address the critical audit matter.  We involved valuation professionals 
with specialized skills and knowledge who assisted in: 

45

—   evaluating the Company’s discount rate by comparing it to a discount rate that was independently developed using publicly 
available third-party market data for comparable entities 

—   developing an estimate of fair value using kaléo’s forecasted cash flows and the independently developed discount rate, and 
comparing the results of our estimate of fair value to the Company’s fair value estimate.

/s/ KPMG LLP

We have served as the Company’s auditor since 2018.

Richmond, Virginia
March 16, 2021 

46

Report of Independent Registered Public Accounting Firm

To the Shareholders and Board of Directors 
Tredegar Corporation:

Opinion on Internal Control Over Financial Reporting 

We have audited Tredegar Corporation and subsidiaries’ (the Company) internal control over financial reporting as of December 31, 
2020, based on criteria established in Internal Control – Integrated Framework (2013) issued by the Committee of Sponsoring 
Organizations of the Treadway Commission. In our opinion, because of the effect of the material weaknesses, described below, on 
the achievement of the objectives of the control criteria, the Company has not maintained effective internal control over financial 
reporting as of December 31, 2020, based on criteria established in Internal Control – Integrated Framework (2013) issued by the 
Committee of Sponsoring Organizations of the Treadway Commission. 

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) 
(PCAOB), the consolidated balance sheets of the Company as of December 31, 2020 and 2019, the related consolidated statements 
of income, comprehensive income (loss), cash flows, and shareholders’ equity for each of the years in the three-year period ended 
December 31, 2020, and the related notes (collectively, the consolidated financial statements), and our report dated March 16, 2021 
expressed an unqualified opinion on those consolidated financial statements. 

A material weakness is a deficiency, or a combination of deficiencies, in internal control over financial reporting, such that there is a 
reasonable possibility that a material misstatement of the company’s annual or interim financial statements will not be prevented or 
detected on a timely basis. Material weaknesses related to an ineffective control environment resulting from an insufficient number 
of trained resources, ineffective risk assessment, ineffective information and communication, and ineffective monitoring activities 
resulting in ineffective control activities related to the design and operation of process-level controls and general information 
technology controls across all financial reporting processes have been identified and included in management’s assessment. The 
material weaknesses were considered in determining the nature, timing, and extent of audit tests applied in our audit of the 2020 
consolidated financial statements, and this report does not affect our report on those consolidated financial statements.

Basis for Opinion 

The Company’s management is responsible for maintaining effective internal control over financial reporting and for its assessment 
of the effectiveness of internal control over financial reporting, included in the accompanying Management’s Report on Internal 
Control Over Financial Reporting. Our responsibility is to express an opinion on the Company’s internal control over financial 
reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to be independent with 
respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities 
and Exchange Commission and the PCAOB.

We conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit 
to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material 
respects. Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial 
reporting, assessing the risk that a material weakness exists, and testing and evaluating the design and operating effectiveness of 
internal control based on the assessed risk. Our audit also included performing such other procedures as we considered necessary in 
the circumstances. We believe that our audit provides a reasonable basis for our opinion.

Definition and Limitations of Internal Control Over Financial Reporting 

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability 
of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted 
accounting principles. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain 
to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of 
the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial 
statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being 
made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance 
regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a 
material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, 
projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because 
of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

/s/ KPMG LLP

Richmond, Virginia
March 16, 2021 

47

Cash and cash equivalents
Cash and cash equivalents
Accounts and other receivables, net of allowance for doubtful accounts and sales returns of $2,797 in 
2020 and $1,904 in 2019
Accounts and other receivables, net of allowance for doubtful accounts and sales returns of $2,797 in 
2020 and $1,904 in 2019
Income taxes recoverable
Income taxes recoverable
Inventories
Inventories
Prepaid expenses and other
Prepaid expenses and other
Current assets of discontinued operations
Current assets of discontinued operations

CONSOLIDATED BALANCE SHEETS
Tredegar Corporation and Subsidiaries
CONSOLIDATED BALANCE SHEETS
Tredegar Corporation and Subsidiaries

(In thousands, except share data)
Assets
Current assets:

(In thousands, except share data)
Assets
Current assets:

Total current assets
Property, plant and equipment, at cost:
Land and land improvements
Buildings
Machinery and equipment

Total current assets
Property, plant and equipment, at cost:
Land and land improvements
Buildings
Machinery and equipment

Total property, plant and equipment
Total property, plant and equipment

Less accumulated depreciation

Less accumulated depreciation

Net property, plant and equipment
Net property, plant and equipment

Right-of-use leased assets
Right-of-use leased assets
Investment in kaléo (cost basis of $7,500)
Investment in kaléo (cost basis of $7,500)
Identifiable intangible assets, net
Identifiable intangible assets, net
Goodwill
Goodwill
Deferred income tax assets
Deferred income tax assets
Other assets
Other assets
Non-current assets of discontinued operations
Non-current assets of discontinued operations

Total assets

Total assets

Liabilities and Shareholders’ Equity
Current liabilities:

Liabilities and Shareholders’ Equity
Current liabilities:

Accounts payable
Accounts payable
Accrued expenses
Accrued expenses
Lease liability, short-term
Lease liability, short-term
Income taxes payable
Income taxes payable
Current liabilities of discontinued operations
Current liabilities of discontinued operations

Total current liabilities

Total current liabilities

Lease liability, long-term
Lease liability, long-term
Long-term debt
Long-term debt
Pension and other postretirement benefit obligations, net
Pension and other postretirement benefit obligations, net
Deferred income tax liabilities
Deferred income tax liabilities
Other non-current liabilities
Other non-current liabilities
Non-current liabilities of discontinued operations
Non-current liabilities of discontinued operations

Total liabilities
Total liabilities
Shareholders’ equity:
Shareholders’ equity:

Common stock (no par value):

Common stock (no par value):

Authorized 150,000,000 shares;

Authorized 150,000,000 shares;

Issued and outstanding— 33,457,176 shares in 2020 and 33,365,039 in 2019 (including restricted 
Issued and outstanding— 33,457,176 shares in 2020 and 33,365,039 in 2019 (including restricted 
stock)
stock)
Common stock held in trust for savings restoration plan (105,067 shares in 2020 and 74,798 in 2019)
Common stock held in trust for savings restoration plan (105,067 shares in 2020 and 74,798 in 2019)
Accumulated other comprehensive income (loss):
Accumulated other comprehensive income (loss):
Foreign currency translation adjustment
Foreign currency translation adjustment
Gain (loss) on derivative financial instruments
Gain (loss) on derivative financial instruments
Pension and other postretirement benefit adjustments
Retained earnings
Pension and other postretirement benefit adjustments

Retained earnings

Total shareholders’ equity
Total liabilities and shareholders’ equity
Total shareholders’ equity
Total liabilities and shareholders’ equity
See accompanying notes to financial statements.
See accompanying notes to financial statements.

48

48

$ 

$ 

$ 

$ 

$ 

$ 

December 31

2020

December 31

2019

2020

2019

11,846  $ 

11,846  $ 
86,327 
86,327 
2,807 
2,807 
66,437 
66,437 
19,679 
19,679 
1,339 
1,339 
188,435 
188,435 

4,544 
4,544 
66,406 
66,406 
404,669 
404,669 
475,619 
475,619 
(309,074)   
(309,074)   
166,545 
166,545 
16,037 
16,037 
34,600 
34,600 
18,820 
18,820 
67,708 
67,708 
19,068 
19,068 
3,506 
3,506 
151 
151 
514,870  $ 
514,870  $ 

31,422 

31,422 

89,117 
2,661 
64,205 
8,333 
37,418 
233,156 

89,117 
2,661 
64,205 
8,333 
37,418 
233,156 

4,554 
64,311 
413,856 
482,721 
(309,165) 
173,556 
18,492 
95,500 
22,636 
81,404 
12,435 
4,628 
70,861 
712,668 

4,554 
64,311 
413,856 
482,721 
(309,165) 
173,556 
18,492 
95,500 
22,636 
81,404 
12,435 
4,628 
70,861 
712,668 

89,702  $ 
89,702  $ 
40,741 
40,741 
2,082 
2,082 
706 
706 
7,521 
7,521 
140,752 
140,752 
14,949 
14,949 
134,000 
134,000 
110,585 
110,585 
— 
— 
5,529 
5,529 
— 
— 
405,815 
405,815 

87,296 
87,296 
39,465 
39,465 
2,427 
2,427 
— 
— 
23,280 
23,280 
152,468 
152,468 
17,338 
17,338 
42,000 
42,000 
107,446 
107,446 
11,019 
11,019 
5,297 
5,297 
351 
351 
335,919 
335,919 

50,066 
50,066 
(2,087)   
(2,087)   

(84,149)   
(84,149)   
2,264 
2,264 
(96,519)   
239,480 
(96,519)   
109,055 
239,480 
514,870  $ 
109,055 
514,870  $ 

45,514 
(1,592) 

45,514 
(1,592) 

(100,663) 
(100,663) 
(1,307) 
(1,307) 
(95,681) 
530,478 
(95,681) 
376,749 
530,478 
712,668 
376,749 
712,668 

$ 

$ 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENTS OF INCOME
Tredegar Corporation and Subsidiaries

(In thousands, except per-share data)
Revenues and other:

Sales
Other income (expense), net

Costs and expenses:

Cost of goods sold
Freight
Selling, general and administrative
Research and development
Amortization of identifiable intangibles
Pension and postretirement benefits
Interest expense
Asset impairments and costs associated with exit and disposal activities, 
net of adjustments
Goodwill impairment

Total

Income (loss) from continuing operations before income taxes
Income tax expense (benefit)
Net income (loss) from continuing operations
Income (loss) from discontinued operations, net of tax
Net income (loss)

Earnings (loss) per share:

Basic:

Continuing operations
Discontinued operations
Basic earnings (loss) per share

Diluted:

Continuing operations
Discontinued operations
Diluted earnings (loss) per share

Shares used to compute earnings (loss) per share:

Basic
Diluted

See accompanying notes to financial statements.

Years Ended December 31
2019

2018

2020

$ 

755,290  $ 
(67,294)   
687,996 

826,324  $ 
28,371 
854,695 

851,834 
30,455 
882,289 

558,967 
25,686 
84,246 
8,398 
3,017 
14,720 
2,587 
1,725 
13,696 
713,042 
(25,046)   
(8,213)   
(16,833)   
(58,611)   
(75,444)  $ 

641,140 
28,980 
76,598 
7,893 
13,601 
9,642 
4,051 
784 
— 
782,689 
72,006 
13,545 
58,461 
(10,202)   
48,259  $ 

679,665 
27,170 
67,929 
6,672 
3,976 
10,406 
5,702 
398 
— 
801,918 
80,371 
18,807 
61,564 
(36,722) 
24,842 

(0.51)  $ 
(1.75)   
(2.26)  $ 

(0.51)  $ 
(1.75)   
(2.26)  $ 

1.76  $ 
(0.31)   
1.45  $ 

1.76  $ 
(0.31)   
1.45  $ 

1.86 
(1.11) 
0.75 

1.86 
(1.11) 
0.75 

33,402
33,402

33,236
33,258

33,068
33,092

$ 

$ 

$ 

$ 

$ 

49

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
Tredegar Corporation and Subsidiaries

(In thousands)
Net income (loss)
Other comprehensive income (loss):

Unrealized foreign currency translation adjustment (net of tax benefit 
of $897 in 2020, net of tax benefit of $623 in 2019 and net of tax of 
$281 in 2018)
Reclassification of foreign currency translation loss realized on the 
sale of Personal Care Films
Derivative financial instruments adjustment (net of tax of $790 in 
2020, net of tax of $71 in 2019 and net of tax benefit of $503 in 
2018)
Pension & other postretirement benefit adjustments:

Net gains (losses) and prior service costs (net of tax benefit of 
$4,228 in 2020, net of tax benefit of $6,417 in 2019 and net of tax 
benefit of $319 in 2018)
Amortization of prior service costs and net gains or losses (net of 
tax of $3,937 in 2020, net of tax of $2,359 in 2019 and net of tax 
of $3,028 in 2018)

Other comprehensive income (loss)

Comprehensive income (loss)

See accompanying notes to financial statements.

Years Ended December 31
2019

2018

2020

$ 

(75,444)  $ 

48,259  $ 

24,842 

(8,781)   

(3,723)   

(10,762) 

25,295 

— 

— 

3,571 

294 

(2,060) 

(12,197)   

(22,508)   

(1,118) 

11,359 
19,247 
(56,197)  $ 

8,273 
(17,664)   
30,595  $ 

10,622 
(3,318) 
21,524 

$ 

50

 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENTS OF CASH FLOWS
Tredegar Corporation and Subsidiaries
CONSOLIDATED STATEMENTS OF CASH FLOWS
Tredegar Corporation and Subsidiaries

Cash flows from operating activities:

2020
2020

Years Ended December 31
2019
(In thousands)

Years Ended December 31
2019
(In thousands)

2018

2018

Cash flows from operating activities:

Net income (loss)
Adjustments for noncash items:

Net income (loss)
Adjustments for noncash items:

Depreciation
Depreciation
Amortization of identifiable intangibles
Amortization of identifiable intangibles
Goodwill impairment
Goodwill impairment
Reduction of right-of-use lease asset
Reduction of right-of-use lease asset
Deferred income taxes
Deferred income taxes
Accrued pension and postretirement benefits
Accrued pension and postretirement benefits
(Gain) loss on investment in kaléo accounted for under the fair value method
(Gain) loss on investment in kaléo accounted for under the fair value method
Loss on sale of divested businesses
Loss on sale of divested businesses
Net gain on disposal of assets
Net gain on disposal of assets

Changes in assets and liabilities:

Changes in assets and liabilities:

Accounts and other receivables
Accounts and other receivables
Inventories
Inventories
Income taxes recoverable/payable
Income taxes recoverable/payable
Prepaid expenses and other
Prepaid expenses and other
Accounts payable and accrued expenses
Accounts payable and accrued expenses
Lease liability
Lease liability

Pension and postretirement benefit plan contributions
Pension and postretirement benefit plan contributions
Other, net
Other, net

Net cash provided by operating activities
Net cash provided by operating activities

Cash flows from investing activities:

Cash flows from investing activities:

Capital expenditures
Capital expenditures
Return of escrowed funds relating to acquisition earn-out
Return of escrowed funds relating to acquisition earn-out
Net proceeds on sale of divested businesses
Net proceeds on sale of divested businesses
Net proceeds from the sale of investment property
Net proceeds from the sale of investment property
Proceeds from the sale of assets and other
Proceeds from the sale of assets and other

Net cash provided by (used in) investing activities
Net cash provided by (used in) investing activities

Cash flows from financing activities:

Cash flows from financing activities:

Borrowings
Borrowings
Debt principal payments
Debt principal payments
Dividends paid
Dividends paid
Debt financing costs
Debt financing costs
Repurchase of employee common stock for tax withholdings
Repurchase of employee common stock for tax withholdings
Proceeds from exercise of stock options and other
Proceeds from exercise of stock options and other

Net cash provided by (used in) financing activities:
Net cash provided by (used in) financing activities:

Effect of exchange rate changes on cash
Effect of exchange rate changes on cash
Increase (decrease) in cash and cash equivalents
Increase (decrease) in cash and cash equivalents
Cash and cash equivalents at beginning of period
Cash and cash equivalents at beginning of period
Cash and cash equivalents at end of period
Cash and cash equivalents at end of period
Supplemental cash flow information:
Supplemental cash flow information:

Interest payments
Income tax payments (refunds), net

Interest payments
Income tax payments (refunds), net

See accompanying notes to financial statements.
See accompanying notes to financial statements.

51

51

$ 
$ 

(75,444)  $ 
(75,444)  $ 

48,259  $ 

24,842 

48,259  $ 

24,842 

28,940 
28,940 
3,017 
3,017 
13,696 
13,696 
2,753 
2,753 
(16,892)   
(16,892)   
14,720 
14,720 
60,900 
60,900 
52,326 
52,326 
— 
— 

(335)   
(335)   
(4,366)   
(4,366)   
1,617 
1,617 
(2,203)   
(2,203)   
4,045 
4,045 
(3,049)   
(3,049)   
(12,681)   
(12,681)   
7,329 
7,329 
74,373 
74,373 

(23,355)   
(23,355)   
— 
— 
56,236 
56,236 
— 
— 
— 
— 
32,881 
32,881 

30,683 
30,683 
13,601 
13,601 
— 
— 
2,588 
2,588 
5,856 
5,856 
9,642 
9,642 
(10,900)   
(10,900)   
— 
(6,334)   

— 
(6,334)   

16,471 
16,471 
11,315 
11,315 
2,644 
2,644 
795 
795 
(2,937)   
(2,937)   
(2,723)   
(2,723)   
(8,614)   
(8,614)   
5,517 
5,517 
115,863 
115,863 

(50,864)   

(50,864)   
— 
— 
— 
— 
— 
— 
10,936 
10,936 
(39,928)   
(39,928)   

29,828 
29,828 
3,976 
3,976 
46,792 
46,792 
— 
— 
8,626 
8,626 
10,406 
10,406 
(30,600) 
(30,600) 
— 
— 
(46) 
(46) 

(11,883) 
(11,883) 
(9,577) 
(9,577) 
25,018 
25,018 
(1,924) 
(1,924) 
5,571 
5,571 
— 
— 
(8,907) 
(8,907) 
5,672 
5,672 
97,794 
97,794 

(40,814) 
(40,814) 
4,250 
4,250 
— 
— 
1,384 
1,384 
1,098 
1,098 
(34,082) 
(34,082) 

162,250 
162,250 
(70,250)   
(70,250)   
(216,049)   
(216,049)   
(693)   
(693)   
(850)   
(850)   
— 
— 
(125,592)   
(125,592)   
(1,238)   
(1,238)   
(19,576)   
(19,576)   
31,422 
31,422 
11,846  $ 
11,846  $ 

65,500 
65,500 
(125,000)   
(125,000)   
(15,325)   
(15,325)   
(1,817)   
(1,817)   
(854)   
(854)   
184 
184 
(77,312)   
(77,312)   
(1,598)   
(1,598)   
(2,975)   
(2,975)   
34,397 
34,397 
31,422  $ 
31,422  $ 

76,750 
76,750 
(127,250) 
(127,250) 
(14,592) 
(14,592) 
— 
— 
(328) 
(328) 
1,332 
1,332 
(64,088) 
(64,088) 
(1,718) 
(1,718) 
(2,094) 
(2,094) 
36,491 
36,491 
34,397 
34,397 

1,679  $ 
1,679  $ 
1,670  $ 
1,670  $ 

4,358  $ 
2,595  $ 

4,358  $ 
2,595  $ 

5,421 
(24,020) 

5,421 
(24,020) 

$ 
$ 

$ 
$ 
$ 
$ 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY
Tredegar Corporation and Subsidiaries

CONSOLIDATED STATEMENTS OF SHAREHOLDERS’ EQUITY
Tredegar Corporation and Subsidiaries

(In thousands, except share and per-
share data)
(In thousands, except share and per-
share data)
Balance at January 1, 2018
Balance at January 1, 2018
Net income
Net income
Foreign currency translation 
adjustment
Foreign currency translation 
adjustment
Derivative financial instruments 
adjustment
Derivative financial instruments 
adjustment
Net gains or losses and prior service 
Net gains or losses and prior service 
costs
costs
Amortization of prior service costs and 
Amortization of prior service costs and 
net gains or losses
net gains or losses
Cash dividends declared ($0.44 per 
Cash dividends declared ($0.44 per 
share)
share)
Stock-based compensation expense
Stock-based compensation expense
Repurchase of employee common 
Repurchase of employee common 
stock for tax withholdings
stock for tax withholdings
Issued upon exercise of stock options
Issued upon exercise of stock options
Tredegar common stock purchased by 
Tredegar common stock purchased by 
trust for savings restoration plan
trust for savings restoration plan
Balance at December 31, 2018
Balance at December 31, 2018
Net income
Net income
Foreign currency translation 
Foreign currency translation 
adjustment
adjustment
Derivative financial instruments 
Derivative financial instruments 
adjustment
adjustment
Net gains or losses and prior service 
Net gains or losses and prior service 
costs
costs
Amortization of prior service costs and 
Amortization of prior service costs and 
net gains or losses
net gains or losses
Cash dividends declared ($0.46 per 
Cash dividends declared ($0.46 per 
share)
share)
Stock-based compensation expense
Stock-based compensation expense
Repurchase of employee common 
Repurchase of employee common 
stock for tax withholdings
stock for tax withholdings
Issued upon exercise of stock options
Issued upon exercise of stock options
Tredegar common stock purchased by 
Tredegar common stock purchased by 
trust for savings restoration plan
trust for savings restoration plan
Balance at December 31, 2019
Balance at December 31, 2019
Net loss
Net loss
Foreign currency translation 
Foreign currency translation 
adjustment
adjustment
Foreign currency translation loss 
Foreign currency translation loss 
realized on the sale of Personal Care 
realized on the sale of Personal Care 
Films
Films
Derivative financial instruments 
Derivative financial instruments 
adjustment
adjustment
Net gains or losses and prior service 
costs
Net gains or losses and prior service 
costs
Amortization of prior service costs and 
net gains or losses
Amortization of prior service costs and 
net gains or losses
Cash dividends declared ($6.45 per 
share)
Cash dividends declared ($6.45 per 
share)
Stock-based compensation expense
Stock-based compensation expense
Repurchase of employee common 
stock for tax withholdings
Repurchase of employee common 
Tredegar common stock purchased by 
stock for tax withholdings
trust for savings restoration plan
Tredegar common stock purchased by 
Balance at December 31, 2020
trust for savings restoration plan
Balance at December 31, 2020

Common Stock
Common Stock

Shares
Shares

Amount
Amount
 33,017,422  $  34,747  $ 487,230  $ 
 33,017,422  $  34,747  $ 487,230  $ 

Trust for 
Savings 
Trust for 
Restoration 
Savings 
Plan
Restoration 
Plan

Retained
Earnings
Retained
Earnings

  24,842 
  24,842 
— 
— 
— 
— 
— 
— 

— 
— 
— 
— 
— 
— 
— 
— 

— 
— 
— 
— 
— 
— 
— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
102,762 
102,762 

— 
— 
3,141 
3,141 

  (14,592) 
  (14,592) 
— 
— 

(17,558) 
(17,558) 
73,398 
73,398 

(328) 
(328) 
1,332 
1,332 

— 
— 
— 
— 

— 
— 

— 
— 
— 
— 

— 
— 
— 
— 

— 
— 
 33,176,024 
 33,176,024 
— 
— 

— 
— 
  38,892 
  38,892 
— 
— 

31 
31 
  497,511 
  497,511 
  48,259 
  48,259 

(31) 
(31) 
(1,559) 
(1,559) 
— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
228,959 
228,959 

— 
— 
7,292 
7,292 

  (15,325) 
  (15,325) 
— 
— 

(49,444) 
(49,444) 
9,500 
9,500 

(854) 
(854) 
184 
184 

— 
— 
— 
— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
— 
— 

— 
— 
— 
— 

Accumulated Other Comprehensive Income 
(Loss)
Accumulated Other Comprehensive Income 
Gain 
(Loss)
(Loss) on 
Gain 
Derivative 
(Loss) on 
Financial 
Derivative 
Instruments
Financial 
Instruments

Pension & 
Other 
Pension & 
Postretirement 
Other 
Benefit Adjust
Postretirement 
Benefit Adjust

Foreign 
Currency 
Foreign 
Translation
Currency 
Translation

459  $ 

(1,528)  $ 
(1,528)  $ 
— 
— 
— 
— 
— 
— 
— 
— 

(86,178)  $ 
(86,178)  $ 
— 
— 
(10,762) 
(10,762) 
— 
— 
— 
— 

459  $ 
— 

— 

— 

— 
(2,060) 

(2,060) 
— 

— 

(90,950)  $ 
— 

(90,950)  $ 
— 

— 

— 

— 

— 
(1,118) 

(1,118) 

— 
— 

— 
— 
— 
— 

— 
— 
— 
— 

— 
— 
(96,940) 
(96,940) 
— 
— 

(3,723) 
(3,723) 

— 
— 

— 
— 

— 
— 

— 
— 
— 
— 

— 
— 
— 
— 

— 

— 

— 
— 

— 
— 

— 
— 

— 
— 

10,622 

10,622 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
(1,601) 
(1,601) 
— 
— 

— 
— 
(81,446) 
(81,446) 
— 
— 

— 

— 

— 

— 

— 

— 

294 

294 

— 

— 

— 

— 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
 33,365,039 
 33,365,039 
— 
— 

— 
— 
  45,514 
  45,514 
— 
— 

33 
33 
  530,478 
  530,478 
  (75,444) 
  (75,444) 

— 
— 

— 
— 

— 
— 

— 
— 
— 
— 
— 
— 
— 
— 
131,354 
131,354 

(39,217) 
(39,217) 
— 

— 
— 
— 
— 
— 
— 
— 
— 
5,402 
5,402 

(850) 
(850) 
— 

— 
— 
— 
— 
— 
— 
 (216,049) 
 (216,049) 
— 
— 
— 
— 
495 

 33,457,176  $  50,066  $ 239,480  $ 

495 

— 

— 

(33) 
(33) 
(1,592) 
(1,592) 
— 
— 

— 
— 

— 
— 
(100,663) 
(100,663) 
— 
— 

(8,781) 
(8,781) 

— 
— 
(1,307) 
(1,307) 
— 
— 

— 

— 

25,295 
25,295 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
(84,149)  $ 

— 
(84,149)  $ 

— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
— 
(495) 
(2,087)  $ 
(495) 
(2,087)  $ 

3,571 

3,571 
— 

— 

— 

— 

— 
— 

— 
— 

— 

— 

— 
2,264  $ 

— 
2,264  $ 

Total 
Shareholders’ 
Total 
Equity
Shareholders’ 
Equity

343,780 
24,842 

343,780 
24,842 

(10,762) 

(10,762) 

(2,060) 

(2,060) 

(1,118) 

(1,118) 

10,622 

10,622 

(14,592) 
3,141 

(14,592) 
3,141 

(328) 
1,332 

(328) 
1,332 

— 
— 
354,857 
354,857 
48,259 
48,259 

(3,723) 

(3,723) 

294 

294 

(22,508) 

(22,508) 

(22,508) 

(22,508) 

8,273 

8,273 

8,273 

8,273 

— 
— 

— 
— 

— 
— 

— 
— 

— 
— 
(95,681) 
(95,681) 
— 
— 

— 

— 

— 

— 

(12,197) 

(12,197) 

11,359 

11,359 
— 
— 

— 
— 

— 

— 

— 
(96,519)  $ 

— 
(96,519)  $ 

(15,325) 
(15,325) 
7,292 
7,292 

(854) 
184 

(854) 
184 

— 
376,749 
(75,444) 

— 
376,749 
(75,444) 

(8,781) 

(8,781) 

25,295 

25,295 

3,571 

3,571 

(12,197) 

(12,197) 

11,359 

11,359 

(216,049) 
(216,049) 
5,402 
5,402 

(850) 

(850) 
— 
109,055 

— 
109,055 

See accompanying notes to financial statements.

 33,457,176  $  50,066  $ 239,480  $ 
52

See accompanying notes to financial statements.

52

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
NOTES TO FINANCIAL STATEMENTS
Tredegar Corporation and Subsidiaries

1 

NATURE OF OPERATIONS AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Nature of Operations. Tredegar Corporation and subsidiaries (collectively “Tredegar,” “the Company,” “we,” “us” or “our”) is 
an industrial manufacturer with three primary businesses: custom aluminum extrusions for the North American building & 
construction, automotive and specialty end-use markets; surface protection films for high-technology applications in the global 
electronics industry; polyethylene overwrap films used in bathroom tissue and paper towels; and polyester-based films for use 
in packaging applications that have specialized properties primarily for the Latin American and the United States (“U.S.”) 
flexible packaging markets.  The Company’s business segments are Aluminum Extrusions (also referred to as Bonnell 
Aluminum), PE Films, and Flexible Packaging Films (also referred to as Terphane).  More information on the Company’s 
business segments is provided in Note 5.

On October 30, 2020, the Company completed the sale of its personal care films business (“Personal Care Films”), which 

was part of its PE Films segment. The transaction excluded the packaging film lines and related operations located at the 
Pottsville, Pennsylvania manufacturing site (“Pottsville Packaging”), which are now being reported within the Surface 
Protection component of PE Films. Commencing in the third quarter of 2020, all historical results for Personal Care Films have 
been presented as discontinued operations.  

In December 2020, the Company entered into a definitive agreement to sell Bright View Technologies (“Bright View”), 

with the transaction completed on December 31, 2020.  The sale does not represent a strategic shift nor does it have a major 
effect on the Company’s historical and ongoing operations, thus all financial information for Bright View has been presented as 
continuing operations.  Bright View historically has been reported in the PE Films segment.

For more information on these transactions, see Note 2 in the Notes to Financial Statements

Basis of Presentation and Principles of Consolidation. The consolidated financial statements include the accounts and 
operations of the Company and have been prepared in accordance with U.S. generally accepted accounting principles 
(“GAAP”).  Intercompany balances and transactions have been eliminated in consolidation.  Certain amounts for the prior years 
have been reclassified to conform to current year presentation. 

Fiscal Year End.  The Company operates on a calendar fiscal year except for the Aluminum Extrusions segment, which 
operates on a 52/53-week fiscal year basis.  References to Aluminum Extrusions for 2020, 2019 and 2018 relate to the 52-week 
fiscal year ended December 27, 2020, the 52-week fiscal year ended December 29, 2019 and the 53-week fiscal year ended 
December 30, 2018, respectively. The Company does not believe the impact of reporting the results of this segment in this 
manner is material to the consolidated financial results.  The Company may fund or receive cash from the Aluminum 
Extrusions segment based on Aluminum Extrusion’s cash flows from operations during the intervening period from Aluminum 
Extrusion’s fiscal year end to the Company’s calendar year end.  As a result, the Company’s cash and cash equivalents declined 
by $3.8 million as of December 31, 2020 since the Company made payments to the Aluminum Extrusions segment to fund its 
working capital during the intervening period.  

Use of Estimates.  The preparation of financial statements in conformity with GAAP requires management to make estimates 
and assumptions that affect the reported amounts of assets, liabilities, revenue, expenses and disclosure of contingent assets and 
liabilities (if any). Actual results could differ from those estimates.

Risk and Uncertainties.  While it is not possible to estimate the impact that the coronavirus pandemic (“COVID-19”) may have 
on the Company’s business, estimates related to the accounting for impairment of long-lived assets and goodwill, an investment 
accounted for under the fair value method, pension benefits and income taxes could be materially adversely affected in future 
periods. Due to the uncertainty with respect to the magnitude of the impact and duration of COVID-19, future developments 
associated with COVID-19 may adversely affect the Company's financial condition, results of operations and cash flows. The 
Company continues to monitor the impact of COVID-19 on the business and its effect on the consolidated financial statements.

Foreign Currency Translation. The financial statements of subsidiaries located outside the U.S., where the local currency is 
the functional currency, are translated into U.S. Dollars using exchange rates in effect at the period end for assets and liabilities 
and average exchange rates during each reporting period for results of operations.  Adjustments resulting from the translation of 
these financial statements are reflected as a separate component of shareholders’ equity.  There are no operating subsidiaries 
located outside the U.S. where the U.S. Dollar is the functional currency.  Transaction and remeasurement gains or losses 
included in income were gains of $0.6 million, losses of $0.6 million and gains of $0.1 million in 2020, 2019 and 2018, 
respectively.  These amounts do not include the effects between reporting periods that exchange rate changes have on income of 
the locations outside the U.S. that result from translation into U.S. Dollars.

Cash and Cash Equivalents. Cash and cash equivalents consist of cash on hand in excess of daily operating requirements and 
highly liquid investments with original maturities of three months or less.  At December 31, 2020 and 2019, Tredegar had cash 

53

and cash equivalents of $11.8 million and $31.4 million, respectively, including funds held in locations outside the U.S. of $9.4 
million and $8.9 million, respectively. 

The Company’s policy permits investment of excess cash in marketable securities that have the highest credit ratings and 

maturities of less than one year.  The primary objectives of the policy are safety of principal and liquidity.

Accounts and Other Receivables. Accounts receivable are stated at the amount invoiced to customers less allowances for 
doubtful accounts and sales returns. Accounts receivable are non-interest bearing and arise from the sale of product to 
customers under typical industry trade terms. Notes receivable are not significant. Past due amounts are determined based on 
established terms and charged-off when deemed uncollectible. The allowance for doubtful accounts is determined based on an 
assessment of probable losses taking into account past due amounts, customer credit profile, historical experience and current 
economic conditions. For receivables that do not have a specific allowance, the loss rate is computed by segment to apply to the 
remaining receivables balance, using each segment’s historic loss rate. Other receivables include value-added taxes related to 
certain foreign subsidiaries and other miscellaneous receivables due within one year. For certain customers, the Company has 
arrangements in place with financial institutions whereby certain customer receivables are sold to the financial institution at a 
discount and without recourse.  Upon sale, the associated receivable is unrecognized and the discount is recognized as a 
reduction of sales. For more information on accounts receivable and other receivables, net, see Note 6. 

Inventories. Inventories are stated at the lower of cost or market, with cost determined using the last in, first out (“LIFO”), the 
weighted average cost or the first in, first out method.  Cost elements included in work-in-process and finished goods 
inventories are raw materials, direct labor and manufacturing overhead.  Finished goods, work-in-process, raw materials and 
supplies, stores and other inventory are reviewed to determine if inventory quantities are in excess of forecasted usage or if they 
have become obsolete. 

Property, Plant and Equipment. Accounts include costs of assets constructed or purchased, related delivery and installation 
costs and interest incurred on significant capital projects during their construction periods.  Expenditures for renewals and 
betterments also are capitalized, but expenditures for repairs and maintenance are expensed as incurred.  The cost and 
accumulated depreciation applicable to assets retired or sold are removed from the respective accounts, and gains or losses 
thereon are included in income.  Capital expenditures for property, plant and equipment include capitalized interest.  
Capitalized interest included in capital expenditures for property, plant and equipment was $0.1 million, $0.3 million and $0.1 
million in 2020, 2019 and 2018, respectively.  Depreciation is computed primarily by the straight-line method based on the 
estimated useful lives of the assets that generally range from 5 to 40 years for buildings and land improvements and 2 to 20 
years for machinery and equipment.

Investments in Private Entities with Less Than or Equal to 50% Voting Ownership Interest. The Company accounts for its 
investments in private entities where its voting ownership is less than or equal to 50% based on the facts and circumstances 
surrounding the investment.  For those investments measured at fair value, GAAP requires disclosure of the level within the fair 
value hierarchy in which fair value measurements in their entirety fall, segregating fair value measurements using quoted prices 
in active markets for identical assets or liabilities (Level 1), significant other observable inputs (Level 2), and significant 
unobservable inputs (Level 3).  For more information on investments, see Note 4.

Goodwill and Identifiable Intangibles. The excess of the purchase price over the fair value of identifiable net assets of acquired 
companies is allocated to goodwill.  The Company assesses goodwill for impairment when events or circumstances indicate that 
the carrying value may not be recoverable or, at a minimum, on an annual basis (December 1st of each year).  When assessing 
goodwill for impairment, accounting guidance allows the Company to first perform a qualitative assessment about the 
likelihood of the carrying value of a reporting unit exceeding its fair value, referred to as the "Step 0" assessment. The Step 0 
assessment requires the evaluation of certain qualitative factors, including macroeconomic conditions, industry and market 
considerations, cost factors and overall financial performance, as well as company and reporting unit factors. If the Company's 
Step 0 analysis indicates that it is more likely than not that the fair value of a reporting unit is less than the carrying amount, 
then the Company would perform a quantitative impairment test. 

During the first three months of 2020, the Company performed goodwill impairment tests and recognized a goodwill 
impairment charge of $13.7 million ($10.5 million after taxes), which represented the entire amount of goodwill associated with 
Aluminum Extrusions’ AACOA reporting unit. The operations of the AACOA reporting unit, which includes the Niles, 
Michigan and Elkhart, Indiana facilities, were expected to be severely impacted by COVID-19, with over 80% of the aluminum 
extrusions manufactured at these facilities sold to customers that make consumer durable products, such as recreational boating 
and power sports vehicles, and to customers serving the building and construction and automotive markets.

As of December 1, 2020, the Company’s reporting units with goodwill were Surface Protection in PE Films and Futura in 

Aluminum Extrusions.  Both of these reporting units have separately identifiable operating net assets (operating assets 
including goodwill and identifiable intangible assets net of operating liabilities).  The Company estimates the fair value of its 
reporting units using discounted cash flow analyses and comparative enterprise value-to-EBITDA (earnings before interest, 
taxes, depreciation and amortization) multiples.   

54

As of December 1, 2020, the Company applied the Step 0 goodwill assessment to Surface Protection and Futura, which 
both had fair values significantly in excess of their carrying amounts when last tested using the quantitative impairment test.  
The Company's Step 0 analyses in 2020 of these reporting units concluded that it is not more likely than not that the fair values 
of each reporting unit was less than its carrying amount. Therefore, the quantitative goodwill impairment tests for these 
reporting units were not necessary in 2020.  The Surface Protection and Futura reporting units had goodwill in the amounts of 
$57.3 million and $10.4 million, respectively, at December 31, 2020.

Indefinite-lived identifiable intangible assets are assessed for impairment when events or circumstances indicate that the 

carrying value may not be recoverable.  The Company estimates the fair value of its trade names using a relief-from-royalty 
method that relies upon a corresponding discounted cash flow analysis.  

Additional disclosure of Tredegar’s goodwill and identifiable intangible assets and the impairments recorded in 2018 are 

included in Note 8.

Impairment of Long-Lived Assets. The Company reviews long-lived assets for possible impairment when events indicate that 
an impairment may exist.  For assets that are held and used in operations, if events indicate that an asset may be impaired, the 
Company estimates the future unlevered pre-tax cash flows expected to result from the use of the asset and its eventual 
disposition.  Assets are grouped for this purpose at the lowest level for which there are identifiable and independent cash flows.  
If the sum of these undiscounted pre-tax cash flows is less than the carrying amount of the asset group, an impairment loss is 
calculated.  Measurement of the impairment loss is the amount by which the carrying amount exceeds the estimated fair value 
of the asset group.

Assets that are held for sale are reported at the lower of their carrying amount or estimated fair value less cost to sell, with 

an impairment loss recognized for any write-down required.

Pension Costs and Postretirement Benefit Costs Other than Pensions. Pension costs and postretirement benefit costs other 
than pensions have been accrued over the period employees provided service to Tredegar.  Liabilities and expenses for pension 
plans and other postretirement benefits are determined using actuarial methodologies and incorporate significant assumptions, 
including the rate used to discount the future estimated liability, the long-term rate of return on plan assets, and several 
assumptions relating to the employee workforce.  The Company recognizes the funded status of its pension and other 
postretirement plans in the accompanying consolidated balance sheets.  Tredegar’s policy is to fund its pension plans at 
amounts not less than the minimum requirements of the Employee Retirement Income Security Act (“ERISA”) of 1974 and to 
fund postretirement benefits other than pensions when claims are incurred.

Additional disclosure regarding Tredegar’s pension costs and postretirement benefit costs other than pensions is included 

in Note 13.

Revenue Recognition. The Company’s revenue is primarily generated from the sale of finished products to customers. Those 
sales predominantly contain a single performance obligation and revenue is recognized at the point in time when control of the 
product is transferred to customers, along with the title, risk of loss and rewards of ownership. Depending on the arrangement 
with the customer, these criteria are met either at the time the product is shipped or when the product is made available or 
delivered at the destination specified in the agreement with the customer.

Sales revenue is recognized in an amount that reflects the consideration the Company expects to be entitled to in exchange 

for that finished product.  The Company offers various discounts, rebates and allowances to customers, (collectively, 
“allowances”), all of which are considered when determining the transaction price. Certain allowances are fixed and 
determinable at the time of sale and are recorded at the time of sale as a reduction to revenues. Other allowances can vary 
depending on future outcomes such as customer sales volume and represent variable consideration. 

Amounts billed to customers related to freight are classified as sales revenue and the cost of freight is classified as a 
separate line in the accompanying consolidated statements of income. Taxes assessed by a governmental authority that are both 
imposed on and concurrent with a specific revenue-producing transaction between Tredegar and its customers (such as value-
added taxes) are accounted for on a net basis and therefore excluded from revenues.  See Note 5 for disaggregation of revenue 
by segment and type.  See Note 6 for a table showing accounts and other receivables, net of allowance for bad debts and sales 
returns.

Revenue expected to be recognized in any future period related to remaining performance obligations, excluding i) 
revenue pertaining to contracts that have an original expected duration of one year or less, ii) contracts where revenue is 
recognized as invoiced and iii) variable consideration related to unsatisfied performance obligations, is not expected to 
materially impact the Company’s financial results. 

Research & Development (“R&D”) Costs. R&D costs are expensed as incurred and include primarily salaries, wages, 
employee benefits, equipment depreciation, facility costs and the cost of materials consumed relating to R&D efforts.  R&D 
costs include a reasonable allocation of indirect costs.

55

Leases. In February 2016, the Financial Accounting Standards Board (“FASB”) issued a revised standard on lease accounting, 
ASU 2016-2, Leases (Topic 842). The Company adopted the standard effective January 1, 2019.  At inception, the Company 
determines if an arrangement contains a lease and whether that lease meets the classification criteria of a finance or operating 
lease. The Company has elected to not record short-term leases with an original lease term of one year or less in the 
consolidated balance sheet. To the extent such leases contain renewal options that the Company intends to exercise, the related 
Right-of-Use (“ROU”) asset and lease liability are included in the consolidated balance sheet.  Some of the Company’s lease 
arrangements contain lease components (e.g., minimum rent payments) and non-lease components (e.g., maintenance, labor 
charges, etc.).  The Company generally accounts for the lease and non-lease components as a single lease component. 

Certain of the Company’s lease agreements include rental payments that are adjusted periodically for an index or rate. The 

leases are initially measured using the projected payments adjusted for the index or rate in effect at the commencement date.  
The Company’s lease agreements do not contain any material residual value guarantees or material restrictive covenants.

Operating leases are included in “Right-of-use lease assets”, “Lease liabilities - short-term” and “Lease liabilities - long-
term” on the consolidated balance sheets. These assets and liabilities are recognized at the commencement date based on the 
present value of remaining lease payments over the lease term using the Company’s secured incremental borrowing rates, 
adjusted for term and geographic location using country-based swap rates.  As a result of the Company’s review of new and 
existing lease contracts, there were no instances where the Company could readily determine a rate implicit in the lease.

Lease expense for operating leases is recognized on a straight-line basis over the lease term. Variable lease expense is 

recognized in the period in which the obligation for those payments is incurred.  Depending upon the specific use of the ROU 
asset, lease expense is included in the “Cost of goods sold”, “Freight”, “Selling, general and administrative”, and “Research and 
development” line items on the consolidated statements of income. Lease income is not material to the results of operations for 
the years ended December 31, 2020 and 2019, respectively.  Additional disclosure regarding Tredegar’s leases is included in 
Note 15. 

Income Taxes. Income taxes are recognized during the period in which transactions enter into the determination of income for 
financial reporting purposes, with deferred income taxes being provided at enacted statutory tax rates on the differences 
between the financial reporting and tax bases of assets and liabilities (see Note 16).  Tredegar’s policy is to accrue U.S. federal 
income taxes to the extent required under GAAP on unremitted earnings of all foreign subsidiaries where required. However, 
due to changes in the taxation of dividends under the Tax Cuts and Jobs Act (the “TCJA”) enacted by the U.S. government in 
December 2017, Tredegar only records U.S. federal income taxes on unremitted earnings of its foreign subsidiaries where 
Tredegar cannot take steps to eliminate any potential tax on future distributions from its foreign subsidiaries.  Because of the 
accumulation of significant losses related to foreign currency translations at Terphane Limitada, there were no unrecorded 
deferred income tax liabilities associated with U.S. federal income taxes and foreign withholding taxes on Terphane Limitada’s 
undistributed earnings as of December 31, 2020 and December 31, 2019. 

A valuation allowance is recorded in the period when the Company determines that it is more likely than not that all or a 

portion of deferred income tax assets may not be realized.  The establishment and removal of a valuation allowance requires the 
Company to consider all positive and negative evidence and make a judgmental decision regarding the amount of valuation 
allowance required as of a reporting date.  The benefit of an uncertain tax position is included in the accompanying financial 
statements when the Company determines that it is more likely than not that the position will be sustained, based on the 
technical merits of the position, if the taxing authority examines the position and the dispute is litigated.  This determination is 
made on the basis of all the facts, circumstances and information available as of the reporting date.

Earnings Per Share. Basic earnings per share is computed using the weighted average number of shares of common stock 
outstanding.  Diluted earnings per share is computed using the weighted average common and potentially dilutive common 
equivalent shares outstanding, determined as follows:

Weighted average shares outstanding used to compute basic earnings 
per share
Incremental shares attributable to stock options and restricted stock

Shares used to compute diluted earnings per share

2020

2019

2018

33,402,147 
— 
33,402,147 

33,236,115 
22,022 
33,258,137 

33,067,800 
24,674 
33,092,474 

Incremental shares attributable to stock options and restricted stock are computed using the average market price during 
the related period.  The Company had a net loss from continuing operations for the year ended December 31, 2020, so there is 
no dilutive impact for such shares.  If the Company had reported net income from continuing operations for the year ended 
December 31, 2020, average out-of-the-money options to purchase shares that were excluded from the calculation of 
incremental shares attributable to stock options and restricted stock were 1,212,375.  For the years ended December 31, 2019 
and 2018, average out-of-the-money options to purchase shares that were excluded from the calculation of incremental shares 
attributable to stock options and restricted stock were 209,592 and 726,475, respectively.

56

 
 
 
 
 
 
 
 
 
Stock-Based Employee Compensation Plans.  The cost of all share-based payments is recognized using the calculated fair 
value at the grant date, or the date of any later modification, over the requisite service period under the graded-vesting method.  
See Note 12 for additional information.

Financial Instruments. Tredegar uses derivative financial instruments for the purpose of hedging aluminum price volatility and 
currency exchange rate exposures that exist as part of transactions associated with ongoing business operations.  The 
Company’s derivative financial instruments are designated as and qualify as cash flow hedges and are recognized in the 
accompanying balance sheet at fair value.  A change in the fair value of the derivative that is highly effective and that is 
designated and qualifies as a cash flow hedge is recorded in other comprehensive income.  Gains and losses reported in other 
comprehensive income (loss) are reclassified to earnings in the periods in which earnings are affected by the variability of cash 
flows of the hedged transaction.  Such gains and losses are reported on the same line as the underlying hedged item, and the 
cash flows related to financial instruments are classified in the consolidated statements of cash flows in a manner consistent 
with those of the transactions being hedged.  Any hedge ineffectiveness (which represents the amount by which the changes in 
the fair value of the derivative exceed the variability in the cash flows of the forecasted transaction) is recorded in current 
period earnings.  The amount of gains and losses recognized for hedge ineffectiveness were not material in 2020, 2019 and 
2018.

The Company’s policy requires that it formally document all relationships between hedging instruments and hedged 

items, as well as its risk management objective and strategy for undertaking various hedge transactions.  The Company also 
formally assesses (both at the hedge’s inception and on an ongoing basis) whether the derivatives that are used in hedging 
transactions have been highly effective in offsetting changes in the fair value or cash flows of hedged items and whether those 
derivatives may be expected to remain highly effective in future periods.  When it is determined that a derivative is not (or has 
ceased to be) highly effective as a hedge, the Company discontinues hedge accounting prospectively.

As a policy, Tredegar does not engage in speculative or leveraged transactions, nor does it hold or issue financial 

instruments for trading purposes.  Additional disclosure of the utilization of derivative hedging instruments is included in Note 
9.

Comprehensive Income (Loss). Comprehensive income (loss) is defined as net income or loss as adjusted by other 
comprehensive income or loss items.  Other comprehensive income (loss) includes changes in foreign currency translation 
adjustments, unrealized gains and losses on derivative financial instruments, prior service costs and net gains or losses from 
pension and other postretirement benefit plans arising during the period and amortization of these prior service costs and net 
gain or loss adjustments, all recorded net of deferred income taxes.

The following table summarizes the after-tax changes in accumulated other comprehensive income (loss) for the year 

ended December 31, 2020: 

(In thousands)
Beginning balance, January 1, 2020

Other comprehensive income (loss) before 
reclassifications 
Amounts reclassified from accumulated other 
comprehensive income (loss)

Net other comprehensive income (loss) - current 
period

Ending balance, December 31, 2020

Foreign 
currency 
translation 
adjustment

Gain (loss) on 
derivative 
financial 
instruments

Pension and other 
post-retirement 
benefit 
adjustments

Total

$ 

(100,663)  $ 

(1,307)  $ 

(95,681)  $  (197,651) 

(8,781)   

(3,285)   

(12,197)   

(24,263) 

25,295 

6,856 

11,359 

43,510 

16,514 
(84,149)  $ 

$ 

3,571 
2,264  $ 

(838)   

19,247 
(96,519)  $  (178,404) 

57

 
 
 
 
 
 
 
 
The following table summarizes the after-tax changes in accumulated other comprehensive income (loss) for the year 

ended December 31, 2019:

(In thousands)
Beginning balance, January 1, 2019

Other comprehensive income (loss) before 
reclassifications
Amounts reclassified from accumulated other 
comprehensive income (loss)

Net other comprehensive income (loss) - current 
period

Ending balance, December 31, 2019

Foreign 
currency 
translation 
adjustment

Gain (loss) on 
derivative 
financial 
instruments

Pension and other 
post-retirement 
benefit 
adjustments

Total

$ 

(96,940)  $ 

(1,601)  $ 

(81,446)  $  (179,987) 

(3,723)   

(2,686) 

(22,508)   

(28,917) 

— 

2,980 

8,273 

11,253 

(3,723)   
(100,663)  $ 

$ 

294 
(1,307)  $ 

(14,235)   
(17,664) 
(95,681)  $  (197,651) 

Reclassifications of balances out of accumulated other comprehensive income (loss) into net income during 2020 are 

summarized as follows:

(In thousands)
Gain (loss) on derivative financial instruments:

Aluminum future contracts, before taxes

Foreign currency forward contracts, before taxes
Foreign currency forward contracts, before taxes
Total, before taxes
Income tax expense (benefit)
Total, net of tax

Amortization of pension and other post-retirement benefits:
Actuarial gain (loss) and prior service costs, before taxes
Income tax expense (benefit)
Total, net of tax

Reclassification adjustment of foreign currency translation loss included 
in income:

Realized loss on foreign currency translation adjustments related to 
the sale of Personal Care Films

Amount reclassified 
from other 
comprehensive 
income (loss)

Location of gain (loss) 
reclassified from accumulated 
other comprehensive income 
(loss) to net income (loss)

$ 

$ 

$ 

$ 

$ 

(2,717)  Cost of goods sold

(6,069) 

Selling, general and 
administrative
62  Cost of goods sold

(8,724) 
(1,868)  Income tax expense (benefit)
(6,856) 

(15,296)  (a)
(3,937)  Income tax expense (benefit)
(11,359) 

Income (loss) from 
discontinued operations, net 
of tax

(25,295) 

(a) This component of accumulated other comprehensive income is included in the computation of net periodic pension cost 

(see Note 13 for additional detail).

58

 
 
 
 
 
 
 
 
 
 
 
 
 
Reclassifications of balances out of accumulated other comprehensive income (loss) into net income during 2019 are 

summarized as follows:

(In thousands)
Gain (loss) on derivative financial instruments:

Aluminum future contracts, before taxes

Foreign currency forward contracts, before taxes
Foreign currency forward contracts, before taxes
Total, before taxes
Income tax expense (benefit)
Total, net of tax

Amortization of pension and other post-retirement benefits:
Actuarial gain (loss) and prior service costs, before taxes
Income tax expense (benefit)
Total, net of tax

Amount reclassified 
from other 
comprehensive 
income (loss)

Location of gain (loss) 
reclassified from accumulated 
other comprehensive income 
(loss) to net income

$ 

(2,736)  Cost of goods sold

(904) 

Selling, general and 
administrative
62  Cost of goods sold

(3,578) 

(598)  Income tax expense (benefit)

(2,980) 

(10,632)  (a)
(2,359)  Income tax expense (benefit)
(8,273) 

$ 

$ 

$ 

(a)   This component of accumulated other comprehensive income is included in the computation of net periodic pension cost 

(see Note 13 for additional detail).

Reclassifications of balances out of accumulated other comprehensive income (loss) into net income during 2018 are 

summarized as follows:

(In thousands)
Gain (loss) on derivative financial instruments:

Aluminum future contracts, before taxes

Foreign currency forward contracts, before taxes
Foreign currency forward contracts, before taxes
Total, before taxes
Income tax expense (benefit)
Total, net of tax

Amortization of pension and other post-retirement benefits:
Actuarial gain (loss) and prior service costs, before taxes
Income tax expense (benefit)
Total, net of tax

Amount reclassified 
from other 
comprehensive 
income (loss)

Location of gain (loss) 
reclassified from accumulated 
other comprehensive income 
(loss) to net income

$ 

$ 

$ 

$ 

1,069  Cost of goods sold

(1,796) 

Selling, general and 
administrative
62  Cost of goods sold

(665) 
253 
(918) 

Income tax expense (benefit)

(13,650)  (a)
(3,028)  Income tax expense (benefit)
(10,622) 

(a)   This component of accumulated other comprehensive income is included in the computation of net periodic pension cost 

(see Note 13 for additional detail).

Accounting Standards Adopted.  

In June 2016, the FASB issued ASU 2016-13, “Financial Instruments - Credit Losses (Topic 326).”  The pronouncement 

replaces the incurred loss methodology to record credit losses with a methodology that reflects the expected credit losses for 
financial assets not accounted for at fair value with gains and losses recognized through net income. In the first quarter of 2020, 
the Company adopted ASU 2016-13 which resulted in an adjustment of less than $0.2 million and, therefore, did not have a 
material impact on the Company’s consolidated financial statements.

In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement: Changes to the Disclosure Requirements for 

Fair Value Measurement (“ASU 2018-13”), which changes the disclosure requirements for fair value measurements by 
removing, adding and modifying certain disclosures. ASU 2018-13 is effective for annual periods beginning after December 15, 
2019, with early adoption permitted. This ASU became effective on January 1, 2020 and the requirements of this ASU did not 
have a material impact on the Company's fair value disclosures.

59

 
 
 
 
 
 
 
 
 
 
Accounting Standards Not Yet Adopted.

In December 2019, the FASB issued ASU 2019-12, which simplifies the accounting for income taxes. The new guidance 

simplifies the accounting for income taxes by eliminating certain exceptions related to the approach for intraperiod tax 
allocation, the methodology for calculating income taxes in an interim period, hybrid taxes and the recognition of deferred tax 
liabilities for outside basis differences. It also clarifies and simplifies other aspects of the accounting for income taxes. The 
amendments are effective for fiscal years beginning after December 15, 2020 and interim periods therein, with early adoption 
permitted. The Company is currently evaluating the impact of this new guidance.

2 

DIVESTITURES AND ASSETS HELD FOR SALE

Divestitures

Personal Care Films

On August 24, 2020, the Company entered into a definitive agreement to sell Personal Care Films for an aggregate 
purchase price of approximately $60.5 million, subject to customary adjustments.  Upon completion of the sale on October 30, 
2020, the Company recognized a pre-tax loss of $50.0 million ($46.7 million after-tax) for the year ended December 31, 2020, 
which includes the realization of other comprehensive losses on foreign currency translation adjustments of $25.3 million 
previously reflected in shareholder’s equity.  In addition, the Company agreed to provide certain transition services related to 
finance, human resources and information technology which are expected to end in the first half of 2021.  Personal Care Films 
was previously reported in the PE Films segment.  

 The following table summarizes the financial results of discontinued operations reflected in the Consolidated Statements 

of Income for the year ended December 31, 2020, 2019 and 2018:

(In thousands)
Revenues and other items:

Sales
Other income (expense), net

Costs and expenses:

Cost of goods sold
Freight
Selling, general and administrative
Research and development
Asset impairments and costs associated with exit and disposal 
activities, net of adjustments
Goodwill impairment
Loss on sale of business

Total

Income (loss) from discontinued operations before income taxes
Income tax expense (benefit)
Income (loss) from discontinued operations, net of tax

Years Ended December 31
2019

2020

2018

110,246  $ 
(333)   

109,913 

146,034  $ 
6,424 
152,458 

92,079 
5,229 
16,824 
8,863 

1,529 
— 
50,027 
174,551 
(64,638)   
(6,027)   
(58,611)  $ 

126,371 
7,083 
17,754 
11,743 

3,341 
— 
— 
166,292 
(13,834)   
(3,632)   
(10,202)  $ 

213,637 
4 
213,641 

170,091 
8,857 
17,354 
12,035 

2,515 
46,792 
— 
257,644 
(44,003) 
(7,281) 
(36,722) 

$ 

$ 

60

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The assets and liabilities of the discontinued operations reflected in the Consolidated Balance Sheets as of December 31, 

2020 and 2019, respectively were as follows:

(In thousands)
Assets

Accounts and other receivables, net
Income tax recoverable
Inventories
Prepaid expenses and other (b)
Total current assets

Property, plant and equipment, net
Right-of-use leased assets
Deferred income taxes
Other assets

Total non-current assets

Total assets of discontinued operations

Liabilities

Accounts payable
Accrued expenses (b)
Lease liability, short-term

Total current liabilities

Lease liability, long-term

Total non-current liabilities

Total liabilities of discontinued operations (a)

December 31

2020

2019

—  $ 
— 
— 
1,339 
1,339 
— 
— 
— 
151 
151 
1,490  $ 

—  $ 

7,521 
— 
7,521 
— 
— 
7,521  $ 

18,441 
1,439 
17,175 
363 
37,418 
69,334 
728 
694 
105 
70,861 
108,279 

16,361 
6,344 
575 
23,280 
351 
351 
23,631 

$ 

$ 

$ 

$ 

(a)  Pension and other postretirement benefit liabilities related to Personal Care Films have been retained by the Company.
(b)  The consolidated balance sheet of discontinued operations as of December 31, 2020 includes $0.4 million of other receivables related to 
the settlement of customary post-closing adjustments, deferred assets of $0.9 million and deferred obligations of $5.3 million related to 
transition services, accrued severance of $2.1 million, and other miscellaneous accrued expenses of $0.2 million.

The following table provides significant operating and investing cash flow information for discontinued operations:

(In thousands)

Operating activities:

Year Ended December 31,

2020

2019

2018

Depreciation and amortization

$ 

5,511  $ 

9,962  $ 

9,312 

Gain from the sale of the Shanghai manufacturing facility assets

Loss on sale of Personal Care Films

Total

Investing activities:

— 

50,027 

55,538 

(6,316)   

— 

3,646 

Net proceeds on sale of Personal Care Films
Proceeds from the sale of the Shanghai manufacturing facility assets

$ 

55,115  $ 
— 

—  $ 

10,936 

— 

— 

9,312 

— 
— 

Capital expenditures

Total

Bright View 

(1,912)   

(15,353)   

(19,475) 

$ 

53,203  $ 

(4,417)  $ 

(19,475) 

In December 2020, the Company entered into a definitive agreement and completed the sale of Bright View for an 
aggregate purchase price of $1.5 million, subject to customary adjustments, which resulted in the recognition of a pre-tax loss 
of $2.3 million ($1.8 million after-tax) included in “Other income (expense), net” in the consolidated statements of income for 
the year ended December 31, 2020.  In addition, the Company agreed to provide certain transition services related to 
information technology.  The sale does not represent a strategic shift nor does it have a major effect on the Company’s 

61

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
historical and ongoing operations, thus all financial information for Bright View has been presented as continuing operations.  
Bright View historically has been reported in the PE Films segment.

Assets Held For Sale

In July 2019, the Company committed to a plan to close its manufacturing facility in Lake Zurich, Illinois, which 
historically was reported by the Company within the personal care component of its PE Films segment.  In March 2020, this 
facility was shut down and the production of elastic materials it previously produced was transferred to Terre Haute, Indiana.

In the third quarter of 2020, the held for sale criteria was met since the Company expected the sale of the facility to be 

completed within one year.  As of December 31, 2020, the disposal group carrying value of $4.6 million consists of land, 
building, and building improvements and is reported in "Prepaid expenses and other" in the Consolidated Balance Sheet.  These 
assets were not included as part of the sale of Personal Care Films.

3  OTHER INCOME (EXPENSE), NET

Other income (expense), net consists of the following:

(In thousands)
30,600 
(Loss) gain on investment in kaléo accounted for under fair value method
— 
Loss on sale of Bright View Technologies
— 
Corporate costs associated with the divestiture of Personal Care Films
— 
COVID-19-related expenses (a)
(145) 
Other
Total
30,455 
(a) Costs associated with operating under COVID-19 conditions include employee overtime expenses associated with absenteeism, personal 
protective equipment supplies and facility maintenance. 

(60,900)  $ 
(2,299)   
(851)   
(2,231)   
(1,013)   
(67,294)  $ 

28,482  $ 
— 
— 
— 
(111)   
28,371  $ 

2020

2019

2018

$ 

$ 

The gain on investment in kaléo accounted for under the fair value method of $28.5 million includes a cash dividend of 

$17.6 million received in 2019 from kaléo.  See Note 4 for more details on the investment in kaléo.

4 

INVESTMENTS

In August 2007 and December 2008, the Company made an aggregate investment of $7.5 million in kaleo, Inc. (“kaléo”), 

a privately held specialty pharmaceutical company dedicated to building innovative solutions for serious and life-threatening 
medical conditions.  Tredegar owns Series A-3 Preferred Stock and Series B Preferred Stock in kaléo that, taken together, 
represents on a fully-diluted basis an approximate 20% interest in kaléo. Tredegar accounts for its investment in kaléo under the 
fair value option.  At the time of the initial investment, the Company elected the fair value option of accounting since its 
investment objectives were similar to those of venture capitalists, which typically do not have controlling financial interests.  
kaléo’s stock is not publicly traded.

The estimated fair value of the Company’s investment was $34.6 million as of December 31, 2020 and $95.5 million as of 

December 31, 2019.  The Company recognized a pre-tax loss on its investment in kaléo of $60.9 million ($47.6 million after 
taxes) in 2020, which was primarily due to: (i) current projections that assume ongoing pricing pressures, (ii) expected changes 
in market access as well as continued lower market demand for epinephrine delivery devices resulting from COVID-19-driven 
delays in in-person back-to-school schedules and social distancing guidelines, and (iii) a higher private company liquidity 
discount.  The net appreciation on its investment of $28.5 million ($23.4 million after taxes) in 2019 included a pre-tax cash 
dividend of $17.6 million received on April 30, 2019.  Future dividends are subject to the discretion of kaléo’s board of 
directors.  Amounts recognized associated with the Company’s investment in kaléo are included in “Other income (expense), 
net” in the consolidated statements of income and separately stated in the EBITDA from ongoing operations table in Note 5.

The Company estimates the fair value of its investment in kaléo by: (i) computing the weighted average estimated 
enterprise value (“EV”) utilizing both the discounted cash flow method (the “DCF Method”) and the application of a market 
multiple to earnings before interest, taxes, depreciation and amortization (the “EBITDA Multiple Method”), (ii) applying 
adjustments for any surplus or deficient working capital and estimates of contingent liabilities, (iii) adding cash and cash 
equivalents, (iv) subtracting interest-bearing debt, (v)  subtracting a private company liquidity discount estimated at 20% at 
December 31, 2020 (versus 10% at December 31, 2019) of the net result of (i) through (iv), and (vi) applying liquidation 
preferences and fully diluted ownership percentages to the estimated equity value computed in (i) through (v).

The Company’s estimate of kaléo’s EV as of December 31, 2020 was determined by weighting the EBITDA Multiple 

Method by 20% and the DCF Method by 80% compared to an 80% and 20% weighting of the EBITDA Multiple Method and 
DCF Method, respectively, used in the Company's estimate of kaléo’s EV as of December 31, 2019. A heavier weighting 
towards the DCF Method as of December 31, 2020 was used since kaléo’s projections better reflect ongoing pricing pressures 
and expected changes in market access. The DCF Method projections rely on numerous assumptions and Level 3 inputs.  In 

62

 
 
 
 
 
 
 
addition, there are various regulatory and legal enforcement efforts, including an ongoing Department of Justice investigation 
related to kaléo’s discontinued Evzio business, which could have a material adverse effect on kaléo’s business that require 
assessment in any valuation method applied.

The ultimate value of the Company’s ownership interest in kaléo will be determined and realized only if and when a 
liquidity event occurs, and the ultimate value could be materially different from the $34.6 million estimated fair value reflected 
in the Company’s financial statements at December 31, 2020. 

5 

BUSINESS SEGMENTS

The Company's business segments are Aluminum Extrusions, PE Films and Flexible Packaging Films.  Aluminum 
Extrusions, also referred to as Bonnell Aluminum, produces high-quality, soft-alloy and medium-strength custom fabricated 
and finished aluminum extrusions for the building and construction, automotive and transportation, consumer durables, 
machinery and equipment, electrical and renewable energy, and distribution markets.  PE Films is composed of surface 
protection films, polyethylene overwrap films and films for other markets.  Flexible Packaging Films is comprised of the 
Company’s polyester films business, Terphane Holdings LLC (“Terphane”).   

The Company’s reportable segments are based on its method of internal reporting, which is generally segregated by 
differences in products.  Accounting standards for presentation of segments require an approach based on the way the Company 
organizes the segments for making operating decisions and how the chief operating decision maker (“CODM”) assesses 
performance. 

 Earnings before interest, taxes, depreciation and amortization from ongoing operations (“EBITDA from ongoing 

operations”) is the measure of profit and loss used by the CODM (Tredegar’s President and Chief Executive Officer) for 
purposes of assessing financial performance.  In the fourth quarter of 2019, the Company concluded that “EBITDA from 
ongoing operations,” instead of “operating profit from ongoing operations,” is the most relevant metric for measuring segment 
financial performance.  This change resulted in a revision of the Company’s segment disclosures for all periods to report 
EBITDA from ongoing operations as the measure of segment financial performance.  The Company uses sales less freight (“net 
sales”) as its measure of revenues from external customers at the segment level.  This measure is separately included in the 
financial information regularly provided to the CODM.  

Information by business segment and geographic area for the last three years is provided in the segment tables below.  

There were no accounting transactions between segments and no allocations to segments.  

Net Sales

(In thousands)
Aluminum Extrusions
PE Films
Flexible Packaging Films
Total net sales

Add back freight
Sales as shown in consolidated statements of income

Refer to Notes to Financial Tables that follow these tables. 

2020

2019

2018

455,711  $ 
139,288 
134,605 
729,604 
25,686 
755,290  $ 

529,602  $ 
133,807 
133,935 
797,344 
28,980 
826,324  $ 

573,126 
127,708 
123,830 
824,664 
27,170 
851,834 

$ 

$ 

63

 
 
 
 
 
 
 
 
 
 
 
 
EBITDA from Ongoing Operations

2020

2019

2018

$ 

55,137  $ 
(17,403)   
37,734 
(3,506)   
(13,696)   

65,683  $ 
(16,719)   
48,964 

(561)   
— 

— 

(10,040)   

45,107 
(6,762)   
38,345 
(1,974)   

30,645 
(1,761)   
28,884 

(18)   

85,769 
44 
2,587 

(60,900)   
(2,299)   
— 
— 
2,161 
42,912 
(25,046)   
(8,213)   
(16,833)   
(58,611)   
(75,444)  $ 

41,133 
(5,860)   
35,273 

(733)   

14,737 
(1,517)   
13,220 
— 
86,123 
66 
4,051 

28,482 
— 
— 
— 
4,132 
34,482 
72,006 
13,545 
58,461 
(10,202)   
48,259  $ 

65,479 
(16,866) 
48,613 
(505) 
— 
— 

32,404 
(6,201) 
26,203 
(186) 

11,154 
(1,262) 
9,892 
(45) 
83,972 
146 
5,702 

30,600 
— 
(38) 
(186) 
1,156 
27,265 
80,371 
18,807 
61,564 
(36,722) 
24,842 

(In thousands)
Aluminum Extrusions:

Ongoing operations:
EBITDA
Depreciation & amortization (d)
EBIT

Plant shutdowns, asset impairments, restructurings and other (a)
Goodwill impairment charge
Trade name accelerated amortization (d)

PE Films:

Ongoing operations:
EBITDA
Depreciation & amortization
EBIT

Plant shutdowns, asset impairments, restructurings and other (a)

Flexible Packaging Films:

Ongoing operations:
EBITDA
Depreciation & amortization
EBIT

Plant shutdowns, asset impairments, restructurings and other (a)

Total
Interest income
Interest expense
Gain (loss) on investment in kaléo accounted for under the fair value 
method (a)
Loss on sale of Bright View (f)
Loss on sale of investment property (a)
Unrealized loss on investment property (a)
Stock option-based compensation expense
Corporate expenses, net (a)
Income (loss) from continuing operations before income taxes
Income tax expense (benefit) (a)
Income (loss) from continuing operations
Income (loss) from discontinued operations, net of tax (a)
Net income (loss)

Refer to Notes to Financial Tables that follow these tables. 

$ 

64

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(In thousands)
Aluminum Extrusions
PE Films
Flexible Packaging Films

Subtotal
General corporate
Cash and cash equivalents (b)
Discontinued operations

Total

(In thousands)
Aluminum Extrusions
PE Films
Flexible Packaging Films

Subtotal

General corporate (e)
Discontinued operations

Total

(In thousands)
United States
Exports from the United States to:

Asia
Canada
Europe
Latin America

Operations outside the United States:

Brazil
China
Total

(In thousands)
United States
Operations outside the United States:

Brazil
China

General corporate
Cash and cash equivalents (b)
Discontinued operations

Total

Identifiable Assets

2020

2019

244,560  $ 
119,013 
66,453 
430,026 
71,508 
11,846 
1,490 
514,870  $ 

265,027 
124,269 
74,016 
463,312 
109,655 
31,422 
108,279 
712,668 

$ 

$ 

Depreciation and Amortization
2018
2019
2020

Capital Expenditures
2019

2018

2020

$ 

$ 

17,403  $ 
6,762 
1,761 
25,926 
520 
5,511 
31,957  $ 

26,759  $ 
5,860 
1,517 
34,136 
186 
9,962 
44,284  $ 

16,866  $ 
6,201 
1,262 
24,329 
163 
9,312 
33,804  $ 

10,260  $ 
6,024 
4,959 
21,243 
200 
1,912 
23,355  $ 

17,855  $ 
8,567 
8,866 
35,288 
223 
15,353 
50,864  $ 

12,966 
2,523 
5,423 
20,912 
427 
19,475 
40,814 

Net Sales by Geographic Area (c)

2020

2019

2018

$ 

530,243  $ 

593,599  $ 

636,968 

80,217 
18,024 
5,440 
2,169 

82,342 
15,022 
5,752 
4,135 

74,499 
16,467 
3,909 
991 

93,511 
— 
729,604  $ 

96,274 
220 
797,344  $ 

85,868 
5,962 
824,664 

$ 

Identifiable Assets
by Geographic Area (c)
2019
2020

Property, Plant & Equipment,
Net by Geographic Area (c)

2020

2019

$ 

363,106  $ 

403,366  $ 

132,268  $ 

140,609 

49,157 
17,763 
71,508 
11,846 
1,490 
514,870  $ 

41,890 
18,056 
109,655 
31,422 
108,279 
712,668  $ 

15,588 
16,245 
2,444 
n/a
— 
166,545  $ 

15,348 
16,210 
1,389 
n/a
69,334 
242,890 

$ 

Refer to Notes to Financial Tables that follow these tables.

The Company’s facilities in Pottsville, PA (“PV”) and Guangzhou, China (“GZ”) have a tolling arrangement whereby 

certain surface protection films are manufactured in GZ for a fee with raw materials supplied from PV that are then shipped by 
GZ directly to customers principally in the Asian market but paid by customers directly to PV.  Amounts associated with this 

65

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
intercompany tolling arrangement are reported in the table above as export sales from the U.S. to Asia, and include net sales of 
$35.1 million in 2020, $32.1 million in 2019 and $28.9 million in 2018. 

Net Sales by Product Group

(In thousands)
Aluminum Extrusions:

Nonresidential building & construction
Consumer durables
Automotive
Machinery & equipment
Distribution
Residential building & construction
Electrical

Subtotal

PE Films:

Surface protection films
Packaging
LED-based products

Subtotal
Flexible Packaging Films

Total

2020

2019

2018

$ 

$ 

253,126  $ 
44,167 
35,895 
30,649 
28,339 
40,049 
23,486 
455,711 

109,097 
22,700 
7,491 
139,288 
134,605 
729,604  $ 

272,729  $ 
57,607 
46,461 
38,657 
34,753 
43,554 
35,841 
529,602 

103,893 
22,542 
7,372 
133,807 
133,935 
797,344  $ 

289,572 
66,416 
48,037 
41,899 
40,924 
43,943 
42,335 
573,126 

98,126 
22,310 
7,272 
127,708 
123,830 
824,664 

(a) See Notes 1, 2, 3, 4 and 17 for more information on losses associated with plant shutdowns, asset impairments and restructurings, unusual items, gains or 

losses from sale of assets, gains or losses on an investment accounted for under the fair value method and other items.

(b) Cash and cash equivalents includes funds held in locations outside the U.S. of $9.4 million and $8.9 million at December 31, 2020 and 2019, respectively.  
(c) Information on exports and foreign operations are provided on the previous page.  Export sales relate almost entirely to PE Films. Operations in China 

relate to PE Films.  Operations in Brazil relate to Flexible Packaging Films.  

(d) Depreciation and amortization for Aluminum Extrusions in 2019 excludes $10.0 million for accelerated amortization of trade names as a result of a 

rebranding initiative (see Note 8 for more information)

(e) Corporate depreciation and amortization are included in Corporate expenses, net, on the EBITDA from ongoing operations table above.
(f)

In December 2020, the Company entered into a definitive agreement and completed the sale of Bright View.   See Note 2 for more details.  

6 

ACCOUNTS AND OTHER RECEIVABLES

As of December 31, 2020 and 2019, accounts receivable and other receivables, net, were $86.3 million and $89.1 million, 

respectively, made up of the following:

(In thousands)
Customer receivables
Other accounts and notes receivable

Total accounts and other receivables
Less: Allowance for bad debts and sales returns
Total accounts and other receivables, net

2020

2019

85,274  $ 
3,850 
89,124 
(2,797)   
86,327  $ 

88,822 
2,199 
91,021 
(1,904) 
89,117 

$ 

$ 

A reconciliation of the beginning and ending balances of the allowance for doubtful accounts and sales returns for the 

three years ended December 31, 2020 is as follows: 

(In thousands)
Balance, beginning of year
Charges to expense
Recoveries

Write-offs and settlements
Foreign exchange and other
Balance, end of year

2020

2019

2018

$ 

$ 

1,904  $ 
1,901 

(90)   
(709)   
(209)   
2,797  $ 

2,054  $ 
715 
(38)   
(756)   
(71)   
1,904  $ 

2,227 
450 
(85) 
(414) 
(124) 
2,054 

66

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
7 

INVENTORIES

Inventories consist of the following:

(In thousands)
Finished goods
Work-in-process
Raw materials
Stores, supplies and other

Total

2020

2019

15,251  $ 
9,098 
25,913 
16,175 
66,437  $ 

18,217 
12,123 
20,121 
13,744 
64,205 

$ 

$ 

Inventories stated on the LIFO basis amounted to $14.4 million at December 31, 2020 and $12.6 million at December 31, 

2019, which were below replacement costs by $12.1 million at December 31, 2020 and $8.6 million at December 31, 2019.  
Inventories stated on the weighted average cost basis was $33.6 million and $32.9 million at December 31, 2020 and 2019, 
respectively, while inventories stated on the first in, first out method amounted to $18.4 million and $18.7 million at December 
31, 2020 and 2019, respectively.

8  GOODWILL AND IDENTIFIABLE INTANGIBLE ASSETS

The components of goodwill and identifiable intangibles at December 31, 2020 and 2019, and related amortization 

periods are as follows:

(In thousands)
Goodwill
Identifiable intangible assets, net:

2020

2019

Amortization Periods

$ 

67,708  $ 

81,404  Not amortized

Customer relationships (cost basis of $29,450 in 2020 and 
$29,550 in 2019)
Proprietary technology (cost basis of $3,726 in 2020 and 
$6,181 in 2019)
Trade names (cost basis of $13,397 in 2020 and $13,645 in 
2019)

Total carrying value of identifiable intangibles

17,551 

20,198  10-12 years

194 

895  Not more than 15 years

1,075 
18,820 

1,543  5 - 13 years
22,636 

Total carrying value of goodwill and identifiable intangible 
assets

$ 

86,528  $ 

104,040 

In the third quarter of 2019, the Company implemented a rebranding initiative at Bonnell Aluminum whereby the use of 

the AACOA and Futura trade names was discontinued as of December 31, 2019.  The associated trade names assets, with a 
remaining net book value of $10.2 million, were amortized over the last four months of 2019. 

A reconciliation of goodwill at December 31, 2020 and 2019 is as follows: 

(In thousands)
Net carrying value of goodwill at December 31, 2018

Goodwill impairment charge

Net carrying value of goodwill at December 31, 2019

Goodwill impairment charge

Net carrying value of goodwill at December 31, 2020
1.

Aluminum 
Extrusions1
$ 

PE Films1

Total

24,066  $ 
— 
24,066 
(13,696)   
10,370  $ 

57,338  $ 
— 
57,338 
— 
57,338  $ 

81,404 
— 
81,404 
(13,696) 
67,708 

$ 

The goodwill of Aluminum Extrusions and PE Films is carried by the Futura and Surface Protection reporting units, respectively.

67

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
A reconciliation of identifiable intangibles at December 31, 2020 and 2019 is as follows:

(In thousands)
Aluminum Extrusions:

Net carrying value at December 31, 2018

Amortization expense

Net carrying value at December 31, 2019

Amortization expense

Net carrying value at December 31, 2020

PE Films:

Net carrying value at December 31, 2018

Amortization expense

Net carrying value at December 31, 2019

Amortization expense
Bright View disposal

Net carrying value at December 31, 2020

Flexible Packaging Films:

Net carrying value at December 31, 2018

Amortization expense
Increase (decrease) due to foreign currency 
translation
Impairment loss

Net carrying value at December 31, 2019

Amortization expense

Increase (decrease) due to foreign currency 
translation

Net carrying value at December 31, 2020

Total net carrying value of identifiable intangibles at 
December 31, 2020

 Customer 
Relationships

 Proprietary 
Technology

 Trade Names

 Total

$ 

$ 

$ 

$ 

$ 

$ 

$ 

22,124  $ 
(2,480)   
19,644 
(2,480)   
17,164  $ 

—  $ 
— 
— 
— 
— 
—  $ 

661  $ 
(91)   

(16)   
— 
554 
(84)   

(83)   
387  $ 

75  $ 
(20)   
55 
(20)   
35  $ 

730  $ 
(120)   
610 
(120)   
(490)   
—  $ 

10,555  $ 
(10,555)   

— 
— 
—  $ 

—  $ 
— 
— 
— 
— 
—  $ 

288  $ 
(55)   

1,862  $ 
(280)   

(3)   
— 
230 
(53)   

(39)   
— 
1,543 
(260)   

(18)   
159  $ 

(208)   
1,075  $ 

32,754 
(13,055) 
19,699 
(2,500) 
17,199 

730 
(120) 
610 
(120) 
(490) 
— 

2,811 
(426) 

(58) 
— 
2,327 
(397) 

(309) 
1,621 

17,551  $ 

194  $ 

1,075  $ 

18,820 

Amortization expense over the next five years is expected to be as follows:

Year
2021
2022
2023
2024
2025

Amount
(In thousands)
2,955 
$ 
2,820 
2,195 
2,154 
2,154 

9 

FINANCIAL INSTRUMENTS

Tredegar uses derivative financial instruments for the purpose of hedging margin exposure from fixed-price forward sales 

contracts in Aluminum Extrusions and exposure from currency volatility that exist as part of ongoing business operations 
(primarily in Flexible Packaging Films).  These derivative financial instruments are designated as and qualify as cash flow 
hedges and are recognized in the consolidated balance sheet at fair value.  The fair value of derivative instruments recorded on 
the consolidated balance sheets are based upon Level 2 inputs.  If individual derivative instruments with the same counterparty 
can be settled on a net basis, the Company records the corresponding derivative fair values as a net asset or net liability.

In the normal course of business, Aluminum Extrusions enters into fixed-price forward sales contracts with certain 
customers for the future sale of fixed quantities of aluminum extrusions at scheduled intervals.  In order to hedge margin 
exposure created from the fixing of future sales prices relative to volatile raw material (aluminum) costs, Aluminum Extrusions 
enters into a combination of forward purchase commitments and futures contracts to acquire or hedge aluminum, based on the 
scheduled purchases for the firm sales commitments.  The fixed-price firm sales commitments and related hedging instruments 
generally have durations of not more than 12 months, and the notional amount of aluminum futures contracts that hedged future 

68

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
purchases of aluminum to meet fixed-price forward sales contract obligations was $12.1 million (13.0 million pounds of 
aluminum) at December 31, 2020 and $20.2 million (19.6 million pounds of aluminum) at December 31, 2019.

The table below summarizes the location and gross amounts of aluminum derivative contract fair values (Level 2) in the 

consolidated balance sheets as of December 31, 2020 and 2019:

(In thousands)
Derivatives Designated as Hedging Instruments

Asset derivatives:
Aluminum futures contracts

Liability derivatives:

Liability derivatives:
Aluminum futures contracts
Net asset (liability)

December 31, 2020

December 31, 2019

Balance Sheet
Account

Fair
Value

Balance Sheet
Account

Fair
Value

Prepaid expenses 
& other

$ 

1,560 

Accrued 
expenses

$ 

6 

Accrued 
expenses

Accrued 
expenses

(22) 
1,538 

$ 

(1,259) 
(1,253) 

$ 

In the event that a counterparty to an aluminum fixed-price forward sales contract chooses not to take delivery of its 
aluminum extrusions, the customer is contractually obligated to compensate Aluminum Extrusions for any losses on the related 
aluminum futures and/or forward contracts through the date of cancellation.

The table below summarizes the location and gross amounts of foreign currency forward contract fair values (Level 2) in 

the consolidated balance sheets as of December 31, 2020 and 2019:

(In thousands)
Derivatives Designated as Hedging Instruments

Asset derivatives:
Foreign currency forward contracts
Liability derivatives:
Foreign currency forward contracts
Net asset (liability)

December 31, 2020

December 31, 2019

Balance Sheet
Account

Fair
Value

Balance Sheet
Account

Fair
Value

Prepaid expenses 
and other
Accrued 
expenses

Prepaid expenses 
and other
Accrued 
expenses

$ 

853 

(466) 

387 

$ 

$ 

$ 

83 

(935) 

(852) 

The Company's earnings are exposed to foreign currency exchange risk primarily through the translation of the financial 

statements of subsidiaries that have a functional currency other than the U.S. Dollar. The Company estimates that the net 
mismatch translation exposure for the Flexible Packaging Film's business unit in Brazil (“Terphane Ltda.”) of its sales and raw 
materials quoted or priced in U.S. Dollars and its variable conversion, fixed conversion and sales, general and administrative 
costs (before depreciation and amortization) quoted or priced in Brazilian Real is annual net costs of R$119 million Brazilian 
Real ("R$").

69

 
 
 
 
 
 
Terphane Ltda. has the following outstanding foreign exchange average forward rate contracts to purchase Brazilian Real 

and sell U.S. Dollars:

USD Notional Amount 
(000s)
$1,270
$1,290
$1,270
$1,320
$1,285
$1,395
$1,450
$1,430
$1,520
$1,400
$1,495
$1,170
$16,295

Average Forward Rate 
Contracted on USD/
BRL
5.4638
5.4674
5.4693
5.4765
5.4778
5.4882
5.4945
5.4993
5.5105
5.5100
5.5224
5.5060
5.4913

R$ Equivalent Amount 
(000s)
R$6,939
R$7,053
R$6,946
R$7,229
R$7,039
R$7,656
R$7,967
R$7,864
R$8,376
R$7,714
R$8,256
R$6,442
R$89,481

Applicable Month
Jan-21
Feb-21
Mar-21
Apr-21
May-21
Jun-21
Jul-21
Aug-21
Sep-21
Oct-21
Nov-21
Dec-21

Estimated % of 
Terphane Ltda. R$ 
Operating Cost 
Exposure Hedged
70%
71%
70%
73%
71%
77%
80%
79%
84%
78%
83%
65%
75%

These foreign currency exchange contracts have been designated and qualify as cash flow hedges of Terphane Ltda.’s 

forecasted sales to customers quoted or priced in U.S. Dollars over that period. By changing the currency risk associated with 
these U.S. Dollar sales, the derivatives have the effect of offsetting operating costs quoted or priced in Brazilian Real and 
decreasing the net exposure to Brazilian Real in the consolidated statements of income. The pre-tax net fair value of the open 
forward contracts was a negative $0.9 million as of December 31, 2020.

These derivative contracts involve elements of market risk that are not reflected on the consolidated balance sheet, 
including the risk of dealing with counterparties and their ability to meet the terms of the contracts. The counterparties to any 
forward purchase commitments are major aluminum brokers and suppliers, and the counterparties to any aluminum futures 
contracts are major financial institutions. Fixed-price forward sales contracts are only made available to the best and most 
credit-worthy customers. The counterparties to the Company’s foreign currency cash flow hedge contracts are major financial 
institutions.

The pretax effect on net income (loss) from continuing operations and other comprehensive income (loss) of derivative 

instruments classified as cash flow hedges and described in the previous paragraphs for years ended December 31, 2020, 2019, 
and 2018 is summarized in the tables below:

(In thousands)

Years Ended December 31,
Amount of pre-tax gain (loss) recognized in other comprehensive income
Location of gain (loss) reclassified from accumulated other comprehensive income 
into net income (effective portion)
Amount of pre-tax gain (loss) reclassified from accumulated other comprehensive 
income to net income (effective portion)

Cash Flow Derivative Hedges
Aluminum Futures Contracts
2019

2018

2020

$ 

74  $ 

(2,359)  $ 

(1,123) 

Cost of
goods sold

Cost of
goods sold

Cost of
goods sold

$ 

(2,717)  $ 

(2,736)  $ 

1,069 

(In thousands)

Years Ended December 31,
Amount of pre-tax gain (loss) recognized in other 
comprehensive income
Location of gain (loss) reclassified from 
accumulated other comprehensive income into 
net income (effective portion)
Amount of pre-tax gain (loss) reclassified from 
accumulated other comprehensive income to net 
income (effective portion)

Cash Flow Derivative Hedges
Foreign Currency Forward Contracts
2019

2020

2018

$ 

—  $ 

(4,437)  $ 

—  $ 

(856)  $ 

—  $ 

(2,105) 

Cost of
goods sold

Selling, 
general & 
admin

Cost of
goods sold

Selling, 
general & 
admin

Cost of
goods sold

Selling, 
general & 
admin

$ 

62  $ 

(6,069)  $ 

62  $ 

(904)  $ 

62  $ 

(1,796) 

70

 
 
As of December 31, 2020, the Company expects $1.2 million of unrealized after-tax losses on derivative instruments 

reported in accumulated other comprehensive income (loss) to be reclassified to earnings within the next 12 months. For the 
years ended December 31, 2020, 2019 and 2018, net gains or losses realized, from previously unrealized net gains or losses on 
hedges that had been discontinued, were not material.

10  ACCRUED EXPENSES

Accrued expenses consist of the following:

(In thousands)
Payrolls, related taxes and medical and other benefits
Incentive compensation
Vacation
Workers’ compensation and disabilities
Environmental liabilities (current)
Accrued severance
Accrued utilities
Customer rebates
Accrued freight
Derivative contract liability
Other

Total

11  DEBT AND CREDIT AGREEMENTS 

2020

2019

9,571  $ 
8,138 
7,283 
2,986 
2,066 
1,894 
1,460 
1,398 
1,397 
487 
4,061 
40,741  $ 

6,227 
9,603 
6,975 
3,546 
2,122 
1,180 
1,711 
1,504 
1,389 
2,188 
3,020 
39,465 

$ 

$ 

On December 1, 2020, Tredegar entered into an amendment (“Amendment No. 1”) to its five-year secured revolving 
credit agreement (the “Credit Agreement”), which matures in June 2024.  The material changes from Amendment No. 1 are as 
follows:

•

•

•

Aggregate borrowings available under the facility were reduced from $500 million to $375 million.

The definition of Credit EBITDA was amended to permit certain adjustments for prepayment of pension obligations 
on a pro forma basis.

Amendments were made to certain of the negative covenants, including, among other amendments, the following: (i) 
the restricted payments covenant was amended to permit a one-time special dividend payment of up to $200 million 
and allow for an aggregate amount of dividend payments up to $75 million subsequent to Amendment No. 1 through 
the maturity date of the Credit Agreement; (ii) the asset disposition covenant was amended to reduce the general 
basket to 20% of consolidated total assets over the life of the facility and was reset as of December 1, 2020; and (iii) 
the indebtedness covenant was amended to reduce several baskets to $25 million each.

Borrowings under the Credit Agreement bear an interest rate of LIBOR plus a credit spread and commitment fees charged 

on the unused amount under the Credit Agreement at various indebtedness-to-Credit EBITDA levels as follows:

Pricing Under Credit Agreement (Basis Points)

Indebtedness-to-Credit EBITDA Ratio
> 3.5x but <= 4.0x
> 3.0x but <= 3.5x
> 2.0x but <= 3.0x
> 1.0x but <= 2.0x
<= 1.0x

Credit Spread
Over LIBOR
200.0 
187.5 
175.0 
162.5 
150.0 

Commitment
Fee

40 
35 
30 
25 
20 

At December 31, 2020, the interest cost on debt borrowed under the Credit Agreement was priced at one-month LIBOR 

plus the applicable credit spread of 162.5 basis points.

The most restrictive covenants in the Credit Agreement include:

•

•

Maximum indebtedness-to-Credit EBITDA (“Leverage Ratio”) of 4.00x;

Minimum Credit EBITDA-to-interest expense of 3.00x; and

71

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
•

Maximum aggregate distributions to shareholders over the remaining term of the Credit Agreement of $75 million; 
provided, that if the Leverage Ratio of equal to or greater than 3.00x, a limitation on such payments for the 
succeeding quarter at the greater of (i) $4.75 million and (ii) 50% of consolidated net income for the most recent 
fiscal quarter.

The Credit Agreement is secured by substantially all of the Company’s and its domestic subsidiaries’ assets, including 
equity in certain material first-tier foreign subsidiaries.  At December 31, 2020, based upon the most restrictive covenant within 
the Credit Agreement, available credit under the Credit Agreement was approximately $241 million.  Total debt outstanding 
was $134 million and $42 million as of December 31, 2020 and 2019, respectively. 

Tredegar was in compliance with all of its debt covenants as of December 31, 2020.  Noncompliance with any of the debt 
covenants may have a material adverse effect on its financial condition or liquidity, in the event such noncompliance cannot be 
cured or should the Company be unable to obtain a waiver from the lenders.  Renegotiation of the covenant through an 
amendment to the Credit Agreement may effectively cure the noncompliance, but may have an effect on its financial condition 
or liquidity depending upon how the covenant is renegotiated.

12  STOCK OPTION AND STOCK AWARD PLANS 

As of December 31, 2020, the Company had one stock-based compensation plan that permits the grants of stock options, 
stock appreciation rights (“SARs”), stock, restricted stock, and stock unit awards.  Stock options may be granted to purchase a 
specified number of shares of common stock at a price no lower than the fair market value on the date of grant and for a term 
not to exceed 10 years.  Stock options granted by the Company in 2020, 2019, and 2018 vest after 2 years and have a 7-year life 
or vest after 3 years and have a 5-year life.  Stock options exercisable totaled 1,287,792 and 360,218 shares at December 31, 
2020 and 2019, respectively.  Stock options available for grant totaled 484,835 shares at December 31, 2020.  

On December 1, 2020, Tredegar’s Board of Directors declared a special cash dividend of $200 million, or $5.97 per share, 
on the Company’s common stock (the “Special Dividend”).  The Special Dividend was payable on December 18, 2020 and had 
an ex-dividend date of December 21, 2020.  All stock option awards that were outstanding at the time of the Special Dividend 
were modified pursuant to the nondiscretionary anti-dilution provisions in the related stock-based compensation plan.  SARs 
that were outstanding at the time of the Special Dividend were also modified pursuant to the nondiscretionary anti-dilution 
provisions in the related SARs grant agreements.  The modifications included increasing the number of outstanding stock 
options and SARs as well as reducing the exercise prices of all outstanding stock options and SARS. The modification did not 
result in additional stock-based compensation expense.  No other terms or conditions of outstanding awards were modified.   

A summary of stock options outstanding at December 31, 2020, 2019 and 2018, and changes during those years, is 

presented below: 

Number of
Options

Range

Weighted
Average

Option Exercise Price/Share

Outstanding at December 31, 2017

Granted

Forfeited and expired

Exercised

Outstanding at December 31, 2018

Granted

Forfeited and expired

Exercised

Outstanding at December 31, 2019
Granted1
Modification for special cash dividend1
Forfeited and expired1
Exercised
Outstanding at December 31, 20201
1.

608,520  $ 

451,083 

(96,089)   

(73,398)   

890,116 

758,287 

(10,000)   

(9,500)   

  1,628,903 
638,074 

701,535 

(141,074)   

— 

15.65 

19.35 

15.65 

15.65 

15.65 

18.48 

19.40 

19.40 

15.65 
10.75 

10.75 

10.75 

— 

to

to

to

to

to

to

to

to

to
to

to

to

to

$ 

24.84  $ 

19.35 

24.84 

22.49 

24.84 

18.48 

19.40 

19.40 

24.84 
14.62 

14.62 

24.84 

— 

19.75 

19.35 

19.58 

18.15 

19.69 

18.48 

19.40 

19.40 

19.13 
11.90 

11.90 

11.87 

— 

13.55 

22.49  $ 
The option exercise price per share reflects the reduction to the exercise prices of outstanding stock options impacted by the 
modification due to the anti-dilution provisions in the stock-based compensation plan.

  2,827,438  $ 

10.75 

to

$ 

72

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The assumptions used in the Black-Scholes options-pricing model for valuing Tredegar stock options originally granted in 

2020, 2019 and 2018, and the related estimated fair values at the date of grant, were as follows:

Dividend yield
Weighted average volatility percentage
Weighted average risk-free interest rate
Holding period (years)
Weighted average exercise price at date of grant (also weighted average 
market price at date of grant)1
Estimated weighted average fair value of options per share at date of grant
Total estimated fair value of stock options granted (in thousands)
1.

2020

2019

2018

 2.5 %
 43.8 %
 0.8 %
5

 2.4 %
 38.3 %
 2.4 %
5

 2.3 %
 38.3 %
 2.8 %
5

$ 
$ 
$ 

14.41 
4.44 
2,833 

$ 
$ 
$ 

18.48 
5.43 
4,117 

$ 
$ 
$ 

19.35 
5.87 
2,648 

In December 2020, the weighted average exercise price for outstanding stock option awards granted in 2020, 2019 and 2018 were 
modified to $10.75, $13.78 and $14.43, respectively.  As the anti-dilution provisions in the stock-based compensation plan were 
structured to equitably adjust the award’s fair value before and after the modification, there is no resulting incremental fair value.

The dividend yield is the actual dividend yield on Tredegar’s common stock at the date of grant, which the Company 

believes is a reasonable estimate of the expected yield during the holding period.  The expected volatility is based on the 
historical volatility of Tredegar’s common stock using a sequential period of historical data equal to the expected holding 
period of the option.  The Company has no reason to believe that future volatility for this period is likely to differ from the past.  
The assumed risk-free interest rate is based on observed interest rates for U.S. Treasury debt securities appropriate for the 
expected holding period.

The following table summarizes additional information about stock options outstanding and exercisable at December 31, 

2020:

Options Outstanding at December 31, 2020
Weighted Average

Options Exercisable at December 31, 2020

Range of
Exercise Prices

$  — 
  13.99 
  18.65 
Total

to $  13.99 
to   18.65 
to   23.32 

Shares
 1,598,700 
 1,059,138 
  169,600 
 2,827,438 

Remaining 
Contractual 
Life
5.4 years $ 
4.4 years
2.1 years
4.9 years $ 

Exercise
Price

Aggregate 
Intrinsic 
Value

Shares

Weighted 
Average 
Exercise Price

Aggregate 
Intrinsic 
Value

12.11  $ 7,338,799 
  2,209,408 
14.64 
20.27 
— 
13.55  $ 9,548,207 

  425,219  $ 
  692,973 
  169,600 
 1,287,792  $ 

12.50  $ 1,785,553 
  1,447,785 
14.66 
20.27 
— 
14.68  $ 3,233,338 

73

 
 
 
 
 
 
 
 
 
 
 
Restricted stock grants ordinarily vest three years from the date of grant based upon continued employment.  The fair 

value of restricted stock awards is estimated as of the grant date using the closing stock price on that date.  Stock unit awards 
vest upon the achievement of certain performance targets.  The following table summarizes additional information about 
unvested restricted stock outstanding at December 31, 2020, 2019 and 2018:

Maximum Unvested Restricted Stock Units 
Issuable Upon Satisfaction of Certain 
Performance Criteria
Weighted Avg. 
Grant Date 
Fair Value/
Share

Unvested Restricted Stock

Weighted Avg. 
Grant Date 
Fair Value/
Share

Number
of Shares
  206,676  $ 
  119,915 
  (64,702)   
  (17,153)   

Grant Date
Fair Value
(In thousands)
3,337 
2,085 
(1,185)   

Number
of Shares
  172,133  $ 
  61,227 
— 

16.15  $ 
17.39 
18.31 
15.84 

  244,736 
  185,422 
 (117,834)   
  (26,389)   

  285,935 
  155,138 
 (148,709)   
  (57,385)   

16.20 
18.46 
14.76 
16.11 

18.27 
14.55 
17.39 
17.00 

(272)    (48,651)   

  184,709 
  57,442 

3,965 
3,423 
(1,739)    (69,926)   
(425)    (24,562)   

  147,663 
  34,275 

5,224 
2,257 
(2,586)    (37,370)   
(976)    (32,066)   

Grant Date
Fair Value
(In thousands)
2,716 
1,062 
— 
(644) 

15.78  $ 
17.35 
— 
13.23 

16.97 
18.34 
10.96 
11.51 

21.25 
15.25 
17.38 
17.36 

3,134 
1,053 
(766) 
(283) 

3,138 
523 
(649) 
(557) 

Outstanding at January 1, 2018
Granted
Vested
Forfeited
Outstanding at December 31, 
2018
Granted
Vested
Forfeited
Outstanding at December 31, 
2019
Granted
Vested
Forfeited
Outstanding at December 31, 
2020

  234,979  $ 

16.68  $ 

3,919 

  112,502  $ 

21.82  $ 

2,455 

The total intrinsic value of stock options exercised was $0.1 million and $0.4 million in 2019 and 2018, respectively.  
There were no stock options exercised in 2020.  The grant-date fair value of stock option-based awards vested was $3.0 million, 
$0.5 million, and $0.1 million in 2020, 2019, and 2018, respectively.  As of December 31, 2020, there was unrecognized 
compensation cost for continuing operations of $2.0 million related to stock option-based awards and $1.7 million related to 
non-vested restricted stock and other stock-based awards.  This cost is expected to be recognized over the remaining weighted 
average period of 1.2 years for stock option-based awards and 1.4 years for non-vested restricted stock and other stock-based 
awards.  Commencing in 2019, stock option award grants include a retirement provision that allow for the immediate vesting of 
options held by a participant that ceases to provide service, including service as a member of the board of directors, with the 
Company, subsequent to reaching the age of 65.  As a result of this provision, the Company recognized accelerated stock 
compensation expense for continuing operations of $0.1 million and $1.3 million in 2020 and 2019, respectively. 

SARs granted in 2020 have the same terms and vesting requirements as the 2020 stock option grants except SARs may be 

settled in cash upon exercise and therefore are classified as liabilities and included in accrued expenses in the consolidated 
balance sheet.  The fair value of these liability awards is remeasured at each reporting period until the date of settlement.  
Increases and decreases in stock-based compensation expense is recognized over the vesting period, or immediately, for vested 
awards.  

74

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following table summarizes SARs activity in 2020 as no SARs were granted prior to January 1, 2020 since 1992: 

Exercise Price/Share

Number of
SARs

Weighted
Average

Outstanding at January 1, 2020
Granted1
Modification for special cash dividend
Forfeited and expired
Exercised
Outstanding at December 31, 2020
1. The SARs exercise price per share reflects the reduction to the exercise prices of outstanding SARs as a results of the modification to 

19.64 
19.64 
19.64 
— 
19.64  $ 

— 
10.75 
10.75 
10.75 
— 
10.75 

387,252 
71,402 
(82,214)   

— 
376,440  $ 

— 
11.60 
11.60 
11.39 
— 
11.64 

—  $ 

—  $ 

$ 

$ 

the awards pursuant to the nondiscretionary anti-dilution provisions in the related SARs grant agreements.

Range
to
to
to
to
to
to

The grant-date fair value of SARs awards vested in 2020 was $0.6 million.  As of December 31, 2020, the SARs 
unrecognized compensation cost for continuing operations was $1.5 million.  This cost is expected to be recognized over the 
remaining weighted average vesting period of 1.1 years.

13  RETIREMENT PLANS AND OTHER POSTRETIREMENT BENEFITS

Tredegar sponsors a noncontributory defined benefit (pension) plan covering certain current and former U.S. employees. 
The plan for salaried and hourly employees currently in effect is based on a formula using the participant’s years of service and 
compensation or using the participant’s years of service and a dollar amount.  The plan is closed to new participants and pay for 
active plan participants for benefit calculations was frozen as of December 31, 2007.  As of January 31, 2018, the plan no 
longer accrued benefits associated with crediting employees for service, thereby freezing all future benefits under the plan. 

In addition to providing pension benefits, the Company provides postretirement life insurance and health care benefits for 

certain groups of employees.  Tredegar and retirees share in the cost of postretirement health care benefits, with employees 
hired on or before January 1, 1993, receiving a fixed subsidy to cover a portion of their health care premiums.  The Company 
eliminated prescription drug coverage for Medicare-eligible retirees as of January 1, 2006.  Consequently, Tredegar is not 
eligible for any federal subsidies.

75

 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The following tables reconcile the changes in benefit obligations and plan assets in 2020 and 2019, and reconcile the 

funded status to prepaid or accrued cost at December 31, 2020 and 2019:

(In thousands)
Change in benefit obligation:

Benefit obligation, beginning of year
Service cost
Interest cost
Effect of actuarial (gains) losses related to the following:

$ 

Discount rate change
Retirement rate assumptions and mortality table 
adjustments
Other

Plan participant contributions
Benefits paid
Benefit obligation, end of year

Change in plan assets:

Plan assets at fair value, beginning of year
Actual return on plan assets
Employer contributions

Plan participant contributions
Benefits paid
Plan assets at fair value, end of year
Funded status of the plans

Amounts recognized in the consolidated balance sheets:

Accrued expenses (current)
Pension and other postretirement benefit obligations, net

Net amount recognized

$ 

$ 

$ 
$ 

$ 

$ 

Pension Benefits

2020

2019

Other Post-
Retirement Benefits
2019
2020

318,763  $ 
— 
10,156 

287,240 
— 
12,222 

$ 

7,650  $ 
29 
243 

26,887 

38,919 

644 

(3,446)   
69 
— 

(16,270)   
336,159  $ 

(2,589) 
(1,047) 
— 
(15,982) 
318,763 

$ 

218,329  $ 
18,800 
12,216 
— 

(16,270)   
233,075  $ 
(103,084)  $ 

$ 

205,367 
20,624 
8,320 
— 
(15,982) 
218,329 
$ 
(100,434)  $ 

13 
55 
606 
(1,076)   
8,164  $ 

—  $ 
— 
470 
606 
(1,076)   
—  $ 
(8,164)  $ 

181  $ 

102,903 
103,084  $ 

168 
100,266 
100,434 

$ 

$ 

481  $ 

7,683 
8,164  $ 

6,889 
26 
290 

894 

21 
(176) 
649 
(943) 
7,650 

— 
— 
294 
649 
(943) 
— 
(7,650) 

470 
7,180 
7,650 

The following table sets forth the assumptions used in accounting for the pension and other post-retirement benefits, and 

the components of net periodic benefit cost: 

(In thousands, except percentages)

Weighted-average assumptions used to 
determine benefit obligations:

Discount rate
Expected long-term return on plan assets

Weighted-average assumptions used to 
determine net periodic benefit cost:

Discount rate
Expected long-term return on plan assets

Components of net periodic benefit cost:

Service cost
Interest cost
Expected return on plan assets
Amortization of prior service costs and 
gains or losses
Net periodic benefit cost

Pension Benefits
2019

2020

2018

2020

Other Post-
Retirement Benefits
2019

2018

 2.57 %
 5.00 %

 3.27 %
 5.00 %

 4.40 %
 6.00 %

 2.54 %
n/a

 3.25 %
n/a

 4.37 %
n/a

 3.27 %
 5.00 %

 4.40 %
 6.00 %

 3.72 %
 6.50 %

 3.25 %
n/a

 4.37 %
n/a

 3.69 %
n/a

$  — 
  10,156 
 (11,004) 

$  — 
  12,222 
 (13,528) 

$ 
17 
  11,442 
 (15,011) 

$ 

29 
243 
  — 

$ 

26 
290 
— 

$ 

36 
271 
— 

  15,494 
$ 14,646 

  10,891 
$  9,585 

  13,894 
$ 10,342 

(198) 
74 

$ 

(258) 
58 

$ 

(243) 
64 

$ 

76

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Net periodic benefit cost is determined using assumptions at the beginning of each year.  Funded status is determined 

using assumptions at the end of each year.  The amount of the accumulated benefit obligation is the same as the projected 
benefit obligation.  At December 31, 2020, the effect of a 1% change in the health care cost trend rate assumptions would not 
impact the post-retirement obligation.

Expected benefit payments over the next five years and in the aggregate for 2026-2030 are as follows:

(In thousands)
2021
2022
2023
2024
2025
2026—2030

$ 

Pension
Benefits

Other Post-
Retirement
Benefits

17,593  $ 
18,001 
18,205 
18,445 
18,511 
90,778 

481 
482 
478 
473 
468 
2,196 

The pre-tax amounts recorded in 2020, 2019 and 2018 in accumulated other comprehensive income consist of:

(In thousands)
Net actuarial (gain) loss

2020

Pension
2019

2018

Other Post-Retirement
2019

2018

2020

$  150,267  $  150,047  $  132,751  $ 

86  $ 

(824)  $ 

(1,821) 

Pension expense is expected to be $14.0 million in 2021.  The amounts in accumulated other comprehensive income, 
before related deferred income taxes, that are expected to be recognized as components of net periodic cost during 2021 are 
$17.1 million of cost for the pension plan and $0.1 million of benefit for other post-retirement plans. 

The percentage composition of assets held by pension plans at December 31, 2020, 2019 and 2018 are as follows:

% Composition of Plan Assets
at December 31,
2019

2020

2018

Pension plans:

Fixed income securities
Large/mid-capitalization equity securities
Small-capitalization equity securities
International and emerging market equity securities
Total equity securities
Private equity and hedge funds
Cash and cash equivalents
Other assets

Total

 7.7 %
 27.1 
 8.6 
 20.6 
 56.3 
 12.1 
 17.5 
 6.4 
 100.0 %

 8.7 %
 21.3 
 7.8 
 19.7 
 48.8 
 35.0 
 1.4 
 6.1 
 100.0 %

 8.6 %
 18.2 
 6.8 
 16.0 
 41.0 
 42.3 
 1.4 
 6.7 
 100.0 %

77

 
 
 
 
 
 
 
 
 
 
 
 
 
Tredegar’s targeted allocation percentage for pension plan assets and the expected long-term rate of return on assets used 

to determine its benefit obligation at December 31, 2020, are as follows:

Target % 
Composition of 
Plan Assets1

Expected Long-
term Return %

 12.0 %
 27.0 
 8.0 
 20.0 
 55.0 
 33.0 
 100.0 %

 1.3 %
 6.3 
 6.8 
 5.6 
 6.1 
 4.4 
 5.0 %

Pension plans:

Fixed income securities
Large/mid-capitalization equity securities
Small-capitalization equity securities
International and emerging market equity securities
Total equity securities
Private equity and hedge funds

Total
1.

Target percentages for the composition of plan assets represents a neutral position within the approved range of allocations for such 
assets.

Expected long-term returns are estimated by asset class and generally are based on inflation-adjusted historical returns, 

volatilities, risk premiums and managed asset premiums.  The portfolio of fixed income securities is structured with maturities 
that generally match estimated benefit payments over the next 1-2 years.  The other assets category is primarily comprised of 
cash and contracts with insurance companies.  The Company’s primary investment objective is to maximize total return with a 
strong emphasis on the preservation of capital, and it believes that over the long-term a diversified portfolio of fixed income 
securities, equity securities, hedge funds and private equity funds has a better risk-return profile than fixed income securities 
alone.  The average remaining duration of benefit payments for the pension plans is about 11.5 years.  The Company expects its 
required contributions to be approximately $11.7 million in 2021.

Estimates of the fair value of assets held by the Company’s pension plan are provided by unaffiliated third parties. 
Investments in private equity and hedge funds and certain fixed income securities by the Company’s pension plan are measured 
at net asset value, which is a practical expedient for measuring fair value.  These assets are therefore excluded from the fair 
value hierarchy for each of the years presented. 

78

At December 31, 2020 and 2019, the pension plan assets are categorized by level within the fair value measurement 

hierarchy as follows: 

(In thousands)
Balances at December 31, 2020
Cash and cash equivalents
Large/mid-capitalization equity securities
Small-capitalization equity securities
International and emerging market equity securities
Fixed income securities
Contracts with insurance companies
Other assets

Total plan assets at fair value

Investments measured at net asset value1
Total plan assets, December 31, 2020

Balances at December 31, 2019
Cash and cash equivalents
Large/mid-capitalization equity securities
Small-capitalization equity securities
International and emerging market equity securities
Fixed income securities
Contracts with insurance companies
Other assets

Total plan assets at fair value

Quoted Prices
in Active
Markets for
Identical Assets
(Level 1)

Significant
Other
Observable
Inputs
(Level 2)

Significant
Unobservable
Inputs
(Level 3)

Total

$ 

$ 

$ 

$ 

$ 

40,890  $ 
63,146 
19,932 
24,325 
18,008 
9,118 
5,629 
181,048  $ 
52,027 
233,075 

3,076  $ 
46,440 
17,135 
43,079 
18,911 
8,840 
4,509 
141,990  $ 

40,890  $ 
63,146 
19,932 
24,325 
6,690 
— 
5,629 
160,612  $ 

3,076  $ 
46,440 
17,135 
19,117 
6,209 
— 
4,509 

96,486  $ 

—  $ 
— 
— 
— 
11,318 
— 
— 
11,318  $ 

—  $ 
— 
— 
23,962 
12,702 
— 
— 
36,664  $ 

— 
— 
— 
— 
— 
9,118 
— 
9,118 

— 
— 
— 
— 
— 
8,840 
— 
8,840 

Investments measured at net asset value1
Total plan assets, December 31, 2019
Includes private equity, hedge funds and certain international equity securities measured at net asset value. 

76,339 
218,329 

$ 

1.

Tredegar also has a non-qualified supplemental pension plan covering certain employees.  Effective December 31, 2005, 

further participation in this plan was terminated and benefit accruals for existing participants were frozen.  The plan was 
designed to restore all or a part of the pension benefits that would have been payable to designated participants from the 
principal pension plans if it were not for limitations imposed by income tax regulations.  The projected benefit obligation 
relating to this unfunded plan was $2.2 million at December 31, 2020 and December 31, 2019.  Pension expense recognized for 
this plan was $0.1 million in 2020, 2019, and 2018.  This information has been included in the preceding pension benefit tables.

Pension and other postretirement benefit liabilities related to Personal Care Films have been retained by the Company.  
Pension expense recognized for participation by these former employees in the Company’s plans is not material for the years 
ended December 31, 2020, 2019, and 2018.

14  SAVINGS PLAN

Tredegar has a savings plan that allows eligible employees to voluntarily contribute a percentage of their compensation, 

up to Internal Revenue Service (“IRS”) limitations.  The provisions of the savings plan provided the following benefits for 
salaried and certain hourly employees:

•

•

The Company makes matching contributions to the savings plan of $1 for every $1 an employee contributes per pay 
period up to a maximum of 5% of eligible compensation. 

The savings plan includes immediate vesting of matching contributions and automatic enrollment at 3% of eligible 
compensation unless the employee opts out or elects a different percentage.

The Company also has a non-qualified plan that restores matching benefits for employees suspended from the savings 
plan due to certain limitations imposed by income tax regulations (“restoration plan”).  Charges recognized for these plans were 
$4.0 million in 2020, $3.9 million in 2019 and $3.7 million in 2018.  The Company’s liability under the restoration plan was 

79

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
$1.0 million at December 31, 2020 (consisting of 61,394 phantom shares of common stock) and $1.4 million at December 31, 
2019 (consisting of 62,475 phantom shares of common stock) and valued at the closing market price on those dates.

The Tredegar Corporation Benefits Plan Trust (the “Trust”) purchased 7,200 shares of the Company’s common stock in 
1998 for $0.2 million and 46,671 shares of its common stock in 1997 for $1.0 million, as a partial hedge against the phantom 
shares held in the restoration plan.  There have been no shares purchased since 1998 except for re-invested dividends.  The cost 
of the shares held by the Trust is shown as a reduction to shareholders’ equity in the consolidated balance sheets. 

15  LEASES

Tredegar has various lease agreements with terms up to 10 years, including leases of real estate, office equipment and 
vehicles. Some leases include options to purchase the leased asset, terminate the agreement or extend the term of the agreement 
for one or more years. These options are included in the lease term when it is reasonably certain that the option will be 
exercised. 

The following table presents information about the amount, timing and uncertainty of cash flows arising from the 

Company’s operating leases as of December 31, 2020:

(In thousands)

2021
2022
2023
2024
2025
Thereafter

Future Lease Payments
$ 

2,749 
2,653 
2,525 
2,417 
2,417 
7,404 
20,165 
3,134 
17,031 

Total undiscounted operating lease payments

Less: Imputed interest

Present value of operating lease liabilities

$ 

As of January 1, 2019, an initial right-of-use asset of $20 million was recognized as a non-cash asset addition and an 

initial lease liability of $22 million was recognized as a non-cash liability addition with the adoption of the new lease 
accounting standard. 

The following table summarizes lease costs, related cash flow and other information for the years ended December 31, 
2020 and 2019. These costs are primarily related to long-term operating leases, but also include amounts for variable leases and 
short-term leases. 

(In thousands)
Operating lease expense

Right-of-use assets recognized as non-cash additions from the execution 
of new operating leases
Other Information:
Weighted-average remaining lease term for operating leases
Weighted-average discount rate for operating leases

$ 

$ 

2020

2019

3,260 

529 

$ 

$ 

8 years
 4.21 %

3,087 

20,709 

9 years
 4.24 %

80

 
 
 
 
 
 
 
16 

INCOME TAXES 

Income (loss) from continuing operations before income taxes and income tax expense (benefit) for continuing operations 

are as follows:

(In thousands)
Income (loss) from continuing operations before income taxes:

2020

2019

2018

Domestic
Foreign

Total

Current income tax expense (benefit):

Federal
State
Foreign

Total

Deferred income tax expense (benefit):

Federal
State
Foreign

Total
Total income tax expense (benefit)

$ 

$ 

$ 

$ 

(58,033)  $ 
32,987 
(25,046)  $ 

52,536  $ 
19,470 
72,006  $ 

4,777  $ 
136 
2,374 
7,287 

(18,191)   
(640)   
3,331 
(15,500)   
(8,213)  $ 

7,551  $ 
1,558 
579 
9,688 

15,298 
187 
(11,628)   
3,857 
13,545  $ 

67,806 
12,565 
80,371 

30 
766 
771 
1,567 

16,264 
948 
28 
17,240 
18,807 

The significant differences between the U.S. federal statutory rate and the effective income tax rate related to continuing 

operations are as follows:

(In thousands, except percentages)
Foreign rate differences
U.S. tax on foreign branch income
Non-deductible expenses
Valuation allowance for capital loss carryforwards
Unremitted earnings from foreign operations
Foreign derived intangible income deduction
Valuation allowance due to foreign losses and impairments
Stock-based compensation 
Dividend received deduction net of foreign withholding tax
Tax contingency accruals and tax settlements
State taxes, net of federal income tax benefit
Research and development tax credit
Changes in estimates related to prior year tax provision
Brazilian tax incentive
Income tax expense (benefit) at federal statutory rate
    Income tax expense (benefit) at effective income tax rate

2020

Amount

$ 

$ 

3,753 
1,409 
219 
52 
13 
— 
— 
(24) 
(52) 
(58) 
(373) 
(633) 
(2,472) 
(4,787) 
(5,260) 
(8,213) 

2019

2018

 22.3 
 0.4 
 0.1 
 0.1 
 (0.4)   
(14,350)   (19.9)   

Amount

1,533 
16,029 
285 
60 
60 
(319) 

%
 (14.9)  $ 
 (5.6)   
 (0.9)   
 (0.2)   
 (0.1)   
 — 
 — 
292 
 0.1 
(1,016) 
 0.2 
(2,543) 
 0.2 
1,050 
 1.5 
(523) 
 2.5 
(135) 
 9.9 
(1,999) 
 19.1 
 21.0 
15,121 
 32.8  $  13,545 

Amount

%
 1.9  $ 

1,576 
2,229 
99 
553 
126 
(695) 
(2,162) 
177 
 0.4 
— 
 (1.4)   
673 
 (3.5)   
1,203 
 1.5 
(130) 
 (0.7)   
(380) 
 (0.2)   
(1,340) 
 (2.8)   
 21.0 
16,878 
 18.8  $  18,807 

%
 2.1 
 2.8 
 0.1 
 0.7 
 0.2 
 (0.9) 
 (2.7) 
 0.2 
 — 
 0.8 
 1.5 
 (0.2) 
 (0.5) 
 (1.7) 
 21.0 
 23.4 

Income taxes in 2020 were primarily impacted by the tax impact of Terphane Ltda. being included in Tredegar’s U.S. 
consolidated tax return as a foreign branch, the tax impact of the local statutory tax rates of Tredegar’s foreign subsidiaries 
being higher than the current US tax rate of 21%, the benefit of tax incentives in Brazil, and by claims for prior years’ U.S. 
research and development tax credits.

During 2019, due to favorable earnings trends, the Company released a $12.4 million valuation allowance on the net 
deferred tax assets of its Brazilian subsidiary Terphane Ltda.  Because Terphane Ltda. is taxed as a foreign branch for U.S. tax 
purposes, Tredegar also recorded a related deferred tax liability of $12.4 million for the reduction in foreign tax credits that 
would result from Terphane Ltda. realizing this net deferred tax asset. 

81

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Income taxes in 2018 were primarily impacted the additional tax impact of Terphane Ltda. being included in Tredegar’s 
U.S. consolidated tax return as a foreign branch as well as the tax impact of the local statutory tax rates of Tredegar’s foreign 
subsidiaries being higher than the current U.S. tax rate of 21%.  These increases to income tax expense were offset by recording 
a tax benefit on a portion of foreign losses and impairments, by the tax benefit of the foreign derived intangible income 
deduction under the TCJA, and by the benefit of tax incentives in Brazil. 

Tredegar accrues U.S. federal income taxes on unremitted earnings of all foreign subsidiaries where required.  However, 

due to changes in the taxation of dividends under TCJA, Tredegar will only record U.S. federal income taxes on unremitted 
earnings of its foreign subsidiaries where Tredegar cannot take steps to eliminate any potential tax on future distributions from 
its foreign subsidiaries.  Because of the accumulation of significant losses related to foreign currency translations at Terphane 
Ltda., there were no deferred income tax liabilities associated with the U.S. federal income taxes and foreign withholding taxes 
on Terphane Ltda.’s undistributed earnings as of and December 31, 2020 and 2019. 

The Brazilian federal statutory income tax rate is a composite of 34.0% (25.0% of income tax and 9.0% of social 
contribution on income).  Terphane’s manufacturing facility in Brazil is the beneficiary of certain income tax incentives that 
allow for a reduction in the statutory Brazilian federal income tax rate levied on the operating profit of its products.  These 
incentives produce a current tax rate of 15.25% for Terphane (6.25% of income tax and 9.0% social contribution on income). 
The incentives were originally granted for a 10-year period commencing January 1, 2015 and expiring at the end of 2024.  
Terphane Brazil has been granted an additional three years of tax incentives through the end of 2027.  The benefit from the tax 
incentives was $4.8 million,  $2.0 million and $1.3 million in 2020, 2019 and 2018, respectively.

Deferred income tax liabilities and deferred income tax assets for continuing operations at December 31, 2020 and 2019, 

are as follows: 

(In thousands)
Deferred income tax liabilities:

Amortization of goodwill and identifiable intangibles
Depreciation
Foregone tax credits on foreign branch income
Excess of carrying value over tax basis of investment in kaléo
Derivative financial instruments
Right-of-use leased assets
Other

Total deferred income tax liabilities

Deferred income tax assets:

Pensions
Employee benefits
Excess capital losses
Inventory
Asset write-offs, divestitures and environmental accruals
Tax benefit on U.S. federal, state and foreign NOL and credit carryforwards

Timing adjustment for unrecognized tax benefits on uncertain tax positions, including 
portion relating to interest and penalties

Allowance for doubtful accounts
Lease liabilities
Derivative financial instruments
Foreign currency translation gain adjustment

Deferred income tax assets before valuation allowance

Less: Valuation allowance

Total deferred income tax assets
Net deferred income tax (assets) liabilities
Amounts recognized in the consolidated balance sheets:

Deferred income tax assets (noncurrent)
Deferred income tax liabilities (noncurrent)

Net deferred income tax assets (liabilities)

82

2020

2019

$ 

$ 

$ 

$ 

9,520  $ 
10,844 
5,714 
4,905 
659 
2,979 
285 
34,906 

25,576 
9,757 
7,462 
2,613 
2,904 
18,305 

134 
141 
3,144 
— 
1,423 
71,459 
17,485 
53,974 
(19,068)  $ 

19,068  $ 
— 
19,068  $ 

12,080 
7,395 
12,361 
17,504 
— 
751 
488 
50,579 

21,025 
7,963 
1,551 
3,759 
1,355 
17,992 

187 
383 
967 
345 
255 
55,782 
3,787 
51,995 
(1,416) 

12,435 
11,019 
1,416 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Except as noted below, the Company believes that it is more likely than not that future taxable income will exceed future 

tax-deductible amounts thereby resulting in the realization of deferred income tax assets.  The Company has estimated gross 
federal, state and foreign tax credits and net operating loss carryforwards of $18.3 million and $18.0 million at December 31, 
2020 and 2019, respectively.  The U.S. federal foreign tax credits will expire by 2027 and the U.S. federal research and 
development tax credits will expire by 2040.  The U.S. state carryforwards expire at different points over the next 20 years.  

Valuation allowances of $5.5 million, $2.5 million and $6.6 million at December 31, 2020, 2019 and 2018, respectively, 
are recorded against the tax benefit on U.S. federal, state and foreign tax credits and net operating loss carryforwards generated 
by certain foreign and domestic subsidiaries that may not be recoverable in the carryforward period.  The valuation allowance 
for excess capital losses from investments and other related items was $7.1 million, $1.3 million and $1.2 million at 
December 31, 2020, 2019 and 2018, respectively.  The 2020 balance increased primarily due to capital loss carryforwards 
created by the sale of Personal Care Films.  The 2018 balance decreased primarily due to the expiration of a portion of prior 
year capital loss carryforwards.  The amount of the deferred income tax asset considered realizable, however, could be adjusted 
in the near term if estimates of the fair value of certain investments during the carryforward period change.  Tredegar continues 
to evaluate opportunities to utilize capital loss carryforwards prior to their expiration at various dates in the future.  As 
circumstances and events warrant, allowances will be reversed when it is more likely than not that future taxable income will 
exceed deductible amounts, thereby resulting in the realization of deferred income tax assets. A valuation allowance of 
$4.9 million was recorded in 2020 related to various deferred state tax assets.  The valuation allowance for asset impairments in 
foreign jurisdictions where the Company believes it is more likely than not that the deferred income tax asset will not be 
realized was zero at December 31, 2020 and 2019, and $15.8 million at December 31, 2018.  In 2019, the Company reversed a 
$12.4 million valuation allowance on the net deferred tax assets of its Brazilian subsidiary Terphane Ltda due to favorable 
earnings trends.  Since Terphane Ltda. is taxed as a foreign branch for US tax purposes, Tredegar also recorded a related 
deferred tax liability of $12.4 million for the reduction in foreign tax credits that would result from Terphane Ltda. realizing this 
net deferred tax asset.  

A reconciliation of the Company’s unrecognized uncertain tax positions since January 1, 2018, is shown below:

(In thousands)
Balance at beginning of period
Increase (decrease) due to tax positions taken in:

Current period
Prior period

Increase (decrease) due to settlements with taxing authorities
Reductions due to lapse of statute of limitations
Balance at end of period

Years Ended December 31,
2019

2018

2020

$ 

881  $ 

3,361  $ 

1,962 

12 
— 
(265)   
— 
628  $ 

12 
49 
(151)   
(2,390)   
881  $ 

13 
1,430 
— 
(44) 
3,361 

$ 

Additional information related to unrecognized uncertain tax positions since January 1, 2018 is summarized below:

(In thousands)
Gross unrecognized tax benefits on uncertain tax positions (reflected in
current income tax, other noncurrent liability accounts, or deferred tax 
assets in the balance sheet)

Years Ended December 31,
2019

2018

2020

$ 

628  $ 

881  $ 

3,361 

Deferred income tax assets related to unrecognized tax benefits on 
uncertain tax positions (reflected in deferred income tax accounts in the 
balance sheet)
Net unrecognized tax benefits on uncertain tax positions, which would 
impact the effective tax rate if recognized
Interest and penalties accrued on deductions taken relating to uncertain 
tax positions (approximately $2, $(144) and $107 reflected in income tax 
expense in the income statement in 2020, 2019 and 2018, respectively, 
with the balance shown in current income tax and other noncurrent 
liability accounts in the balance sheet)
Related deferred income tax assets recognized on interest and penalties
Interest and penalties accrued on uncertain tax positions net of related 
deferred income tax benefits, which would impact the effective tax rate if 
recognized
Total net unrecognized tax benefits on uncertain tax positions reflected in 
the balance sheet, which would impact the effective tax rate if recognized $ 

(110)   

(163)   

(211) 

518 

718 

3,150 

102 
(24)   

100 
(23)   

243 
(56) 

78 

77 

187 

596  $ 

795  $ 

3,337 

83

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Tredegar, or one of its subsidiaries, files income tax returns in the U.S. federal jurisdiction, various states and jurisdictions 
outside the U.S.  With few exceptions, Tredegar is no longer subject to U.S. federal, state or non-U.S. income tax examinations 
by tax authorities for years before 2017.  The Company anticipates that it is reasonably possible that Federal and state income 
tax audits or statutes may settle or close within the next 12 months, which could result in the recognition of up to approximately 
$0.5 million of the balance of unrecognized tax positions, including any payments that may be made.

17  ASSET IMPAIRMENTS AND COSTS ASSOCIATED WITH EXIT AND DISPOSAL ACTIVITIES 

In connection with the anticipated customer product transitions in Surface Protection, the Company recognized severance 

and other employee-related expenses of $1.6 million in the fourth quarter of 2020.  The Company recognizes termination 
benefits that are covered by a contract or an ongoing benefit arrangement when it is probable that employees will be entitled to 
benefits and the amount can be reasonably estimated.  Other accrued expenses and losses related to asset impairments and costs 
associated with exit and disposal activities for continuing operations were not material for the years ended December 31, 2020, 
2019 and 2018, respectively.

18  CONTINGENCIES 

Tredegar is involved in various stages of investigation and remediation relating to environmental matters at certain current 

and former plant locations.  Where the Company has determined the nature and scope of any required environmental 
remediation activity, estimates of cleanup costs have been obtained and accrued.  As efforts continue to maintain compliance 
with applicable environmental laws and regulations, additional contingencies may be identified.  If additional contingencies are 
identified in the future, the Company’s practice is to determine at that time the nature and scope of those contingencies, obtain 
and accrue estimates of the cost of remediation, and perform remediation.  While the Company believes it is currently 
adequately accrued for known environmental issues, it is possible that unexpected future costs for known or unknown 
environmental issues could have a material adverse effect on its financial condition, results of operations and cash flows at that 
time.

The Company is involved in various other legal actions arising in the normal course of business.  After taking into 
consideration the relevant information, the Company believes that it has sufficiently accrued for probable losses and that the 
actions will not have a material adverse effect on its financial position. 

From time to time, the Company enters into transactions with third parties in connection with the sale of assets or 

businesses in which it agrees to indemnify the buyers or third parties involved in the transaction, or in which the sellers or third 
parties involved in the transaction agree to indemnify Tredegar, for certain liabilities or risks related to the assets or business. 
Also, in the ordinary course of its business, the Company may enter into agreements with third parties for the sale of goods or 
services that may contain indemnification provisions.  In the event that an indemnification claim is asserted, liability for 
indemnification would be subject to an assessment of the underlying facts and circumstances under the terms of the applicable 
agreement.  For these reasons, Tredegar is unable to estimate the maximum amount of the potential future liability under the 
indemnity provisions of these agreements.  The Company does, however, accrue for losses for any known contingent liability, 
including those that may arise from indemnification provisions, when future payment is probable and the amount is reasonably 
estimable.  The Company discloses contingent liabilities if the probability of loss is reasonably possible and material.

84

19  SELECTED QUARTERLY FINANCIAL DATA

Tredegar Corporation and Subsidiaries
(In Thousands, Except Per-Share Amounts)
(Unaudited)

For the year ended December 31, 2020

Sales
Gross profit

Income (loss) from continuing operations, net of tax
Income (loss) from discontinued operations, net of tax
Net income (loss)

Earnings (loss) per share:

Basic:

Continuing operations
Discontinued operations

Basic

Diluted:

Continuing operations
Discontinued operations

Diluted

For the year ended December 31, 2019

Sales
Gross profit

Income (loss) from continuing operations, net of tax
Income (loss) from discontinued operations, net of tax
Net income

Earnings per share:

Basic:

Continuing operations
Discontinued operations

Basic

Diluted:

Continuing operations
Discontinued operations

Diluted

First
Quarter

Second
Quarter

Third
Quarter

Fourth
Quarter

192,136  $ 
40,092 

186,260  $ 
46,331 

184,370  $ 
41,909 

192,524 
42,305 

(20,663)   
(1,658)   
(22,321)  $ 

14,332 
(3,136)   
11,196  $ 

(16,976)   
(48,237)   
(65,213)  $ 

6,475 
(5,580) 
895 

(0.62)  $ 
(0.05)   
(0.67)  $ 

0.43  $ 
(0.10)   
0.33  $ 

(0.51)  $ 
(1.44)   
(1.95)  $ 

(0.62)  $ 
(0.05)   
(0.67)  $ 

0.43  $ 
(0.10)   
0.33  $ 

(0.51)  $ 
(1.44)   
(1.95)  $ 

0.19 
(0.17) 
0.02 

0.19 
(0.17) 
0.02 

207,948  $ 
34,986 

214,095  $ 
44,375 

205,968  $ 
38,892 

198,313 
37,951 

22,548 
(2,763)   
19,785  $ 

19,871 
(5,394)   
14,477  $ 

15,052 
2,081 
17,133  $ 

990 
(4,126) 
(3,136) 

0.68  $ 
(0.08)   
0.60  $ 

0.60  $ 
(0.16)   
0.44  $ 

0.68  $ 
(0.08)   
0.60  $ 

0.60  $ 
(0.16)   
0.44  $ 

0.45  $ 
0.06 
0.51  $ 

0.45  $ 
0.06 
0.51  $ 

0.03 
(0.12) 
(0.09) 

0.03 
(0.12) 
(0.09) 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

$ 

Due to rounding, the sum of quarterly amounts presented in the table above may not add up precisely to the corresponding 

full year amounts.

Item 16.       FORM 10-K SUMMARY

Not Applicable.

85

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EXHIBIT INDEX

2.1

2.2

3.1

3.1.1

3.1.2

3.1.3

3.2

4.1

10.1

10.1.1

10.1.2

10.1.3

10.2

*10.3

10.4

10.5

*10.6

Stock Purchase Agreement, dated as of February 1, 2017, by and among Futura Industries Corporation, Futura 
Corporation, Susan D. Johnson, The Susan D. Johnson Trust, Ken Wells, The William L. Bonnell Company, Inc., 
and, in his capacity as Sellers’ Representative, Brent F. Lloyd (filed as Exhibit 2.1 to Tredegar’s Current Report on 
Form 8-K (File No. 1-10258), filed on February 2, 2017, and incorporated herein by reference)
Amended and Restated Purchase and Sale Agreement, dated as of October 30, 2020, by and among Fitesa Nao 
Tecidos S.A., Fitesa US LLC, Miramar Participações Ltda, Tredegar Corporation, Tredegar Far East Corporation, 
Tredegar Film Products (Latin America), Inc., Tredegar Investments, LLC and Fitesa S.A. (filed as Exhibit 2.1 to 
Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on November 3, 2020, and incorporated herein by 
reference).
Amended and Restated Articles of Incorporation of Tredegar (filed as Exhibit 3.1 to Tredegar’s Annual Report on 
Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and incorporated herein by reference)
Articles of Amendment to Amended and Restated Articles of Incorporation of Tredegar (filed as Exhibit 3.3 to 
Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and 
incorporated herein by reference)
Articles of Amendment to Amended and Restated Articles of Incorporation of Tredegar, as of May 24, 2013 (filed 
as Exhibit 3.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on May 29, 2013 and 
incorporated herein by reference)
Articles of Amendment to Amended and Restated Articles of Incorporation of Tredegar, as of May 4, 2016 (filed as 
Exhibit 3.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on May 6, 2016, and incorporated 
herein by reference)
Amended and Restated Bylaws of Tredegar (filed as Exhibit 3.1 to Tredegar’s Current Report on Form 8-K (File 
No. 1-10258), filed on March 30, 2020, and incorporated herein by reference)
Description of Registered Securities (filed as Exhibit 4.1 to Tredegar’s Annual Report on Form 10-K (File No 
1-10258) for the year ended December 31, 2019, and incorporated herein by reference)
Amended and Restated Credit Agreement, dated as of June 28, 2019, among Tredegar, as borrower, the lenders 
named therein, JPMorgan Chase Bank, N.A., as administrative agent, SunTrust Bank, Citizens Bank, N.A. and PNC 
Bank, National Association, as co-syndication agents, and U.S. Bank National Association, Bank of America, N.A. 
and Wells Fargo Bank, National Association, as co-documentation agents, and the other lenders party thereto (filed 
as Exhibit 4.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on July 1, 2019, and incorporated 
herein by reference)
Amended and Restated Guaranty, dated as of June 28, 2019, by and among the subsidiaries of Tredegar listed on the 
signature pages thereto in favor of JPMorgan Chase Bank, N.A., as administrative agent, for the ratable benefit of 
the Holders of Guaranteed Obligations (as defined therein) (filed as Exhibit 4.2 to Tredegar’s Current Report on 
Form 8-K (File No. 1-10258), filed on July 1, 2019, and incorporated herein by reference)
Amended and Restated Pledge and Security Agreement, dated as of June 28, 2019, by and among Tredegar and the 
subsidiaries of Tredegar listed on the signature pages thereto and JPMorgan Chase Bank, N.A., as administrative 
agent, for the ratable benefit of the Secured Parties (as defined therein) (filed as Exhibit 4.3 to Tredegar’s Current 
Report on Form 8-K (File No. 1-10258), filed on July 1, 2019, and incorporated herein by reference)
Amendment No. 1 to the Amended and Restated Credit Agreement, dated as of December 1, 2020, among Tredegar 
Corporation, as borrower, the lenders named therein, JPMorgan Chase Bank, N.A., as administrative agent, Truist 
Bank, Citizens Bank, N.A. and PNC Bank, National Association, as co-syndication agents, and U.S. Bank National 
Association, Bank of America, N.A. and Wells Fargo Bank, National Association, as co-documentation agents, and 
the other lenders party thereto (filed as Exhibit 4.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), 
filed on December 3, 2020, and incorporated herein by reference)
Reorganization and Distribution Agreement, dated as of June 1, 1989, between Tredegar and Ethyl Corporation 
(filed as Exhibit 10.1 to Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 
31, 2004, and incorporated herein by reference)
Employee Benefits Agreement, dated as of June 1, 1989, between Tredegar and Ethyl Corporation (filed as Exhibit 
10.2 to Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and 
incorporated herein by reference)
Tax Sharing Agreement, dated as of June 1, 1989, between Tredegar and Ethyl Corporation (filed as Exhibit 10.3 to 
Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and 
incorporated herein by reference)
Indemnification Agreement, dated as of June 1, 1989, between Tredegar and Ethyl Corporation (filed as Exhibit 10.4 
to Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and 
incorporated herein by reference)
Tredegar Industries, Inc. Retirement Benefit Restoration Plan (filed as Exhibit 10.7 to Tredegar’s Annual Report on 
Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and incorporated herein by reference)

86

 
*10.6.1 Amendment to the Tredegar Industries, Inc. Retirement Benefit Restoration Plan (filed as Exhibit 10.7.1 to 

*10.7

Tredegar’s Annual Report on Form 10-K (File No. 1-10258) for the year ended December 31, 2004, and 
incorporated herein by reference)
Tredegar Industries, Inc. Savings Plan Benefit Restoration Plan (filed as Exhibit 10.6 to Tredegar’s Annual Report 
on Form 10-K (File No. 1-10258) for the year ended December 31, 2013, and incorporated herein by reference)
*10.7.1 Resolutions of the Executive Committee of the Board of Directors of Tredegar adopted on December 28, 2004 

(effective as of December 31, 2004) amending the Tredegar Corporation Retirement Savings Plan Benefit 
Restoration Plan (filed as Exhibit 10.9.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on 
December 30, 2004, and incorporated herein by reference)
Tredegar 2004 Equity Incentive Plan as Amended and Restated Effective March 27, 2009 (filed as Annex 1 to 
Tredegar’s Definitive Proxy Statement on Schedule 14A (File No. 1-10258) filed on April 14, 2009 and 
incorporated herein by reference)
Form of Notice of Nonstatutory Stock Option Grant and Nonstatutory Stock Option Terms and Conditions (filed as 
Exhibit 10.3 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on February 27, 2013, and 
incorporated herein by reference)
Form of Notice of Stock Unit Award and Stock Unit Award Terms and Conditions (filed as Exhibit 10.1 to 
Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on March 1, 2016, and incorporated herein by 
reference)
Form of Notice of Stock Award and Stock Award Terms and Conditions (filed as Exhibit 10.2 to Tredegar’s Current 
Report on Form 8-K (File No. 1-10258), filed on March 1, 2016, and incorporated herein by reference)
Form of Notice of Stock Award and Stock Award Terms and Conditions (filed as Exhibit 10.18 to Tredegar’s 
Quarterly Report on Form 10-Q (File No. 1-10258) for the quarterly period ended March 31, 2020, and incorporated 
herein by reference)
Form of Notice of Stock Appreciation Right Grant and Stock Appreciation Right Terms and Conditions (filed as 
Exhibit 10.19 to Tredegar’s Quarterly Report on Form 10-Q (File No. 1-10258) for the quarterly period ended 
March 31, 2020, and incorporated herein by reference)
Form of Notice of Nonstatutory Stock Option Grant and Nonstatutory Stock Option Terms and Conditions (filed as 
Exhibit 10.20 to Tredegar’s Quarterly Report on Form 10-Q (File No. 1-10258) for the quarterly period ended 
March 31, 2020, and incorporated herein by reference)
Tredegar 2018 Equity Incentive Plan (filed as Annex A to Tredegar’s Definitive Proxy Statement on Schedule 14A 
(File No. 1-10258) filed on March 22, 2018, and incorporated herein by reference)
Form of Notice of Nonstatutory Stock Option Grant and Nonstatutory Stock Option Terms and Conditions (filed as 
Exhibit 10.1 to Tredegar’s Current Report on Form 8-K (File No. 1-10258), filed on May 7, 2018, and incorporated 
herein by reference)
Form of Notice of Nonstatutory Stock Option Grant and Nonstatutory Stock Option Terms and Conditions (filed as 
Exhibit 10.3 to Tredegar Corporation’s Registration Statement on Form S-8 (Registration No. 333-230386), filed on 
March 19, 2019, and incorporated herein by reference) 
Subsidiaries of Tredegar 
Consent of KPMG LLP, Independent Registered Public Accounting Firm
Certification of President and Chief Executive Officer (Principal Executive Officer) of Tredegar, pursuant to Rules 
13a-14(a) and 15d-14(a) promulgated under the Securities Exchange Act of 1934, as adopted pursuant to Section 
302 of the Sarbanes-Oxley Act of 2002
Certification of Vice President and Chief Financial Officer (Principal Financial Officer) of Tredegar, pursuant to 
Rules 13a-14(a) and 15d-14(a) promulgated under the Securities Exchange Act of 1934, as adopted pursuant to 
Section 302 of the Sarbanes-Oxley Act of 2002
Certification of President and Chief Executive Officer (Principal Executive Officer) of Tredegar, pursuant to 18 
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
Certification of Vice President and Chief Financial Officer (Principal Financial Officer) of Tredegar, pursuant to 18 
U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002
XBRL Instance Document and Related Items
Cover Page Interactive Data File (formatted in iXBRL and contained in Exhibit 101)

*10.8

*10.9

*10.10

*10.11

*10.12

*10.13

*10.14

*10.15

*10.16

*10.17

+21
+23
+31.1

+31.2

+32.1

+32.2

+101
+104

*

+

Denotes compensatory plans or arrangements or management contracts.

Filed herewith

87

Pursuant to the requirements of Section 13 or 15(d) 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.

SIGNATURES

Dated:   March 16, 2021

TREDEGAR CORPORATION
(Registrant)

By  

/s/ John M. Steitz

  John M. Steitz
  President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following 

persons on behalf of the registrant and in the capacities indicated on March 16, 2021.

Signature

Title

/s/

John M. Steitz
(John M. Steitz)

/s/ D. Andrew Edwards

(D. Andrew Edwards)

/s/ Frasier W. Brickhouse, II

(Frasier W. Brickhouse, II)

/s/

John D. Gottwald
(John D. Gottwald)

/s/ Gregory A. Pratt

(Gregory A. Pratt)

/s/ George C. Freeman, III

(George C. Freeman, III)

/s/ William M. Gottwald

(William M. Gottwald)

/s/ Kenneth R. Newsome

(Kenneth R. Newsome)

/s/ Thomas G. Snead, Jr.

(Thomas G. Snead, Jr.)

/s/ Carl E. Tack, III

(Carl E. Tack, III)

/s/ Anne G. Waleski

(Anne G. Waleski)

President, Chief Executive Officer and Director
(Principal Executive Officer)

Executive Vice President and Chief Financial Officer
(Principal Financial Officer)

Corporate Treasurer and Controller  
(Principal Accounting Officer)

Chairman of the Board of Directors

Lead Director

   Director

   Director

   Director

   Director

   Director

   Director

88

  
  
  
  
  
CORPORATE INFORMATION

Corporate Officers and Operating Company Management

John M. Steitz
President and  
Chief Executive Officer

D. Andrew Edwards
Executive Vice President and  
Chief Financial Officer

Kevin C. Donnelly
Vice President, General Counsel 
and Corporate Secretary

W. Brook Hamilton
President, Bonnell Aluminum

Arijit (Bapi) DasGupta
President, Surface Protection

Jose Bosco Silveira, Jr.
President, Flexible  
Packaging Films

Directors

John D. Gottwald2 
Chairman of the Board 
Tredegar Corporation 

George C. Freeman, III 3, 4, 5
Chairman of the Board
Universal Corporation 

William M. Gottwald2
Retired
Albemarle Corporation

Kenneth R. Newsome3, 5
President and
Chief Executive Officer
Markel Food Group

Gregory A. Pratt1, 4, 5
Chairman of the Board
Carpenter Technology 
Corporation

Thomas G. Snead, Jr.1, 5
Retired
Wellpoint, Inc.

John M. Steitz2
President and  
Chief Executive Officer 
Tredegar Corporation

Carl E. Tack, III1, 4, 5
Visiting Professor
Mason School of Business 
College of William and Mary

Anne G. Waleski1, 3, 5
Retired 
Markel Corporation

1)  Audit Committee
2)  Executive Committee
3)  Executive Compensation 

Committee

4)  Nominating and Governance 

Committee

5)   Independent Director

Shareholder Information

CORPORATE 
HEADQUARTERS
1100 Boulders Parkway  
Richmond, Virginia 23225  
Phone: 804-330-1000  
Website: www.tredegar.com

NUMBER OF EMPLOYEES
2,400

STOCK LISTING
New York Stock Exchange 
Ticker Symbol: TG

Additional shareholder  
information is available  
on the investor section  
of the Tredegar website  
@ www.tredegar.com.

Operating Company Locations

PE FILMS
Division Headquarters
Richmond, Virginia

Manufacturing Sites

Technical Centers

Pottsville, Pennsylvania

Richmond, Virginia

Guangzhou, China

FLEXIBLE PACKAGING
Division Headquarters
São Paulo, Brazil

Cabo de Santo  
  Agostinho, Brazil

Bloomfield, New York

Cabo de Santo  
  Agostinho, Brazil

Bloomfield, New York

ALUMINUM EXTRUSIONS
Division Headquarters
Newnan, Georgia

Newnan, Georgia
Elkhart, Indiana
Niles, Michigan
Carthage, Tennessee
Clearfield, Utah

Annual Report Design by Curran & Connors, Inc. / www.curran-connors.com

T R EDEGA R  C OR P OR AT ION

110 0  B ou lder s  Pa rk w ay
R ic h mond ,  V i r g i n i a  2 32 2 5

w w w.t re degar.com

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