Earnings summaries and quarterly performance for PATHWARD FINANCIAL.
Executive leadership at PATHWARD FINANCIAL.
Brett Pharr
Detailed
Chief Executive Officer
CEO
AS
Anthony Sharett
Detailed
President
CI
Charles Ingram
Detailed
Executive Vice President and Chief Technology and Product Officer
GS
Gregory Sigrist
Detailed
Executive Vice President and Chief Financial Officer
ND
Nadia Dombrowski
Detailed
Executive Vice President and Chief Legal and Administrative Officer
Board of directors at PATHWARD FINANCIAL.
Research analysts who have asked questions during PATHWARD FINANCIAL earnings calls.
Joseph Yanchunis
Raymond James
5 questions for CASH
Also covers: AMTB, FINW, HBCP +5 more
TS
Tim Switzer
Keefe, Bruyette & Woods (KBW)
5 questions for CASH
Also covers: CIVB, CNOB, INBK +12 more
FS
Frank Schiraldi
Piper Sandler
3 questions for CASH
Also covers: BPOP, CBU, CNOB +14 more
David Feaster
Raymond James
2 questions for CASH
Also covers: ABCB, ALRS, AX +20 more
Timothy Switzer
KBW
2 questions for CASH
Also covers: CIVB, CNOB, GDOT +14 more
JJ
Joe Jakunis
Raymond James
1 question for CASH
Recent press releases and 8-K filings for CASH.
Pathward Financial Reports Strong Q1 2026 Results and Raises FY26 EPS Guidance
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial reported strong Q1 fiscal year 2026 results with net income of $35.2 million and diluted EPS of $1.57, marking increases of 17% and 28% year-over-year, respectively.
- The company raised its fiscal year 2026 EPS guidance to $8.55-$9.05, based on assumptions including no additional rate cuts, an 18-22% effective tax rate, and anticipated share repurchases.
- Loans and leases grew to $5 billion at December 31, 2025, primarily due to a $531 million increase in commercial finance loans. The adjusted Net Interest Margin (NIM) for Q1 fiscal year 2026 was 5.49%, showing an upward trajectory.
- Pathward repurchased approximately 652,000 shares at an average price of $72.07 during the quarter, with 4.3 million shares still authorized for repurchase under the current program.
- The company is optimistic about the upcoming tax season, noting 11% more enrolled tax offices than last year, and expects revenue contributions from new partners announced in fiscal 2025.
8 days ago
Pathward Financial Reports Strong Q1 Fiscal Year 2026 Results and Raises Full-Year EPS Guidance
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial reported strong Q1 fiscal year 2026 results, with net income of $35.2 million and earnings per diluted share of $1.57, marking increases of 17% and 28% respectively year-over-year.
- The company increased its fiscal year 2026 EPS guidance to a range of $8.55-$9.05, assuming no additional rate cuts and expected share repurchases.
- Annualized performance metrics for Q1 fiscal year 2026 were robust, with a return on average assets of 1.87% and a return on average tangible equity of 26.7%.
- Loans and leases grew to $5 billion at December 31st, primarily driven by a $531 million increase in commercial finance loans.
- During the quarter, Pathward repurchased approximately 652,000 shares at an average price of $72.07, with 4.3 million shares still available under the current program.
8 days ago
Pathward Financial Reports Strong Q1 2026 Results and Raises Fiscal Year 2026 EPS Guidance
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial reported net income of $35.2 million and earnings per diluted share of $1.57 for Q1 fiscal year 2026, representing year-over-year increases of 17% and 28% respectively.
- The company increased its fiscal year 2026 EPS guidance to a range of $8.55-$9.05, based on assumptions including no additional rate cuts and expected share repurchases.
- Loans and leases grew to $5 billion at December 31, 2025, up from $4.6 billion last year, primarily driven by a $531 million increase in commercial finance loans.
- During the quarter, Pathward repurchased approximately 652,000 shares at an average price of $72.07, with 4.3 million shares remaining available under the current stock repurchase program.
- Management noted that the pipeline for new partners has "never been more full" and expressed enthusiasm for the upcoming tax season, which has 11% more enrolled tax offices than last year.
8 days ago
Pathward (CASH) Announces Q1 FY 2026 Earnings Results
CASH
Earnings
Guidance Update
Share Buyback
- Pathward (CASH) reported Q1 FY 2026 net income of $35.2 million, an increase of 17% compared to Q1 FY 2025, with diluted earnings per share rising 28% to $1.57.
- The company's Net Interest Margin (NIM) was 6.95% and Adjusted NIM was 5.61% for Q1 FY 2026. Return on Average Assets (ROAA) improved to 1.87% and Return on Average Tangible Equity (ROATE) increased to 26.72%.
- Pathward provided Fiscal Year 2026 EPS guidance of $8.55 - $9.05.
- The company has returned capital to shareholders through $823.8 million in share repurchases and $41.6 million in dividends paid from 2Q19 to 1Q26.
8 days ago
Pathward Financial, Inc. Announces Q1 2026 Results
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial, Inc. reported net income of $35.2 million, or $1.57 per share, for the three months ended December 31, 2025, compared to net income of $30.0 million, or $1.23 per share, for the same period in the prior year.
- Total revenue for the first quarter was $173.1 million, and new loan originations increased to $1.89 billion from $1.38 billion in the prior year quarter.
- The company achieved an annualized return on average assets of 1.87% and a return on average tangible equity of 26.72%, both showing improvements over the prior year period.
- Pathward Financial repurchased 651,804 shares of common stock at an average share price of $72.07 during the quarter ended December 31, 2025.
- The company provided fiscal year 2026 EPS guidance of $8.55 - $9.05.
8 days ago
Pathward Financial, Inc. Announces Q1 2026 Results
CASH
Earnings
Share Buyback
- Pathward Financial, Inc. reported net income of $35.2 million, or $1.57 per share, for the three months ended December 31, 2025, compared to net income of $30.0 million, or $1.23 per share, for the same period in the prior year.
- Total revenue for the first quarter of fiscal 2026 was $173.1 million. Net interest income for the quarter was $119.3 million, a decrease of 5% compared to the same quarter in fiscal 2025.
- Noninterest expense for the fiscal 2026 first quarter was $127.2 million, a marginal decrease from $127.8 million in the prior year.
- The Company repurchased 651,804 shares of common stock at an average share price of $72.07 during the quarter ended December 31, 2025.
- Nonperforming assets at December 31, 2025, were $111.5 million, representing 1.47% of total assets, an increase from $37.5 million, or 0.49% of total assets, at December 31, 2024.
8 days ago
Pathward Reports Strong Fiscal Year 2025 Financial Results and Q4 2025 Asset Quality Update
CASH
Earnings
Share Buyback
Dividends
- Pathward reported strong financial performance for fiscal year 2025, with Total Revenue of $840 million and Earnings Per Common Share of $7.87. The company also achieved a Return on Average Assets of 2.46% and a Return on Average Tangible Equity of 38.75% in 2025.
- The company's asset quality metrics for Q4 2025 showed an increase in Nonperforming Assets (NPAs) to $101.7 million (1.42% of Total Assets) and Nonperforming Loans (NPLs) to $99.1 million (2.05% of Total Loans). This increase was primarily driven by the commercial finance and tax services portfolios.
- Pathward's Warehouse Finance business line reported a balance of $645.2 million in Q4 2025, representing 14% of the loan portfolio, with a 9.38% Quarterly Yield and no historical charge-offs or losses.
- The company has demonstrated a commitment to shareholder returns, with $776.9 million in total share repurchases and $40.5 million in total dividends paid from 2Q19 to 4Q25.
Oct 21, 2025, 9:00 PM
Pathward Financial Reports Strong Q4 and Full-Year 2025 Results, Issues 2026 EPS Guidance
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial reported fiscal year 2025 earnings per diluted share of $7.87, a 9% year-over-year increase that exceeded guidance, and Q4 2025 diluted EPS of $1.69, up 26%.
- The company secured new partnerships with Trustly, Stripe, Greenlight, and Upstart to expand its financial services offerings and drive growth.
- For fiscal year 2026, Pathward is maintaining its earnings per diluted share guidance of $8.25 to $8.75, with assumptions including no rate cuts and an 18% to 22% effective tax rate.
- Pathward repurchased approximately 181,000 shares in Q4 2025 at an average price of $82.95 and expects its share buyback ratio to return to the 80% to 90% payout range in 2026.
Oct 21, 2025, 9:00 PM
Pathward Financial Reports Strong FY 2025 Results and Reaffirms FY 2026 Guidance
CASH
Earnings
Guidance Update
Share Buyback
- Pathward Financial reported strong financial results for fiscal year 2025, with earnings per diluted share of $7.87, representing 9% year-over-year growth and exceeding the high end of its guidance range.
- The company reiterated its fiscal year 2026 guidance for earnings per diluted share of $8.25 to $8.75, despite anticipated downward pressure on pre-tax income and net interest margin from the sale of its held-for-investment consumer portfolio.
- Strategic developments in Q4 2025 included new agreements with Trustly, Stripe, and Greenlight, and a partnership with Upstart to offer personal loans.
- Pathward Financial repurchased approximately 181,000 shares in Q4 2025 at an average price of $82.95, contributing to almost 2.1 million shares repurchased for the full fiscal year. The company expects its buyback ratio to return to an 80% to 90% payout ratio in 2026.
Oct 21, 2025, 9:00 PM
Pathward Financial, Inc. Announces Q4 and Fiscal Year 2025 Results
CASH
Earnings
Share Buyback
M&A
- Pathward Financial, Inc. reported net income of $38.8 million, or $1.69 per share, for the three months ended September 30, 2025, compared to $33.5 million, or $1.34 per share, for the same period in 2024.
- For the fiscal year ended September 30, 2025, the company's net income was $185.9 million, or $7.87 per share, an increase from $183.2 million, or $7.20 per share, in fiscal year 2024.
- Total revenue for the fiscal 2025 fourth quarter was $186.7 million, an increase of 4% compared to the same quarter in fiscal 2024, primarily driven by a 13% increase in noninterest income.
- The Net Interest Margin (NIM) for the fiscal 2025 fourth quarter increased to 7.46% from 7.32% in the fiscal 2024 fourth quarter.
- Total gross loans and leases at September 30, 2025, increased by $589.7 million to $4.66 billion compared to September 30, 2024, and the company repurchased 180,740 shares of common stock at an average price of $82.95 during the quarter.
Oct 21, 2025, 8:10 PM
Quarterly earnings call transcripts for PATHWARD FINANCIAL.
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