Earnings summaries and quarterly performance for PATHWARD FINANCIAL.
Executive leadership at PATHWARD FINANCIAL.
Brett Pharr
Detailed
Chief Executive Officer
CEO
Anthony Sharett
Detailed
President
Charles Ingram
Detailed
Executive Vice President and Chief Technology and Product Officer
Gregory Sigrist
Detailed
Executive Vice President and Chief Financial Officer
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.
Frank Schiraldi
Piper Sandler
3 questions for CASH
Also covers: BPOP, CBU, CNOB +14 more
Joseph Yanchunis
Raymond James
3 questions for CASH
Also covers: AMTB, FINW, HBCP +5 more
Tim Switzer
Keefe, Bruyette & Woods (KBW)
3 questions for CASH
Also covers: CIVB, INBK, LC +11 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
Joe Jakunis
Raymond James
1 question for CASH
Recent press releases and 8-K filings for CASH.
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
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, and $185.9 million, or $7.87 per share, for the fiscal year ended September 30, 2025.
- Total revenue for the fiscal 2025 fourth quarter was $186.7 million, an increase of 4% compared to the same quarter in fiscal 2024.
- The company's Net Interest Margin (NIM) increased to 7.46% for the fiscal 2025 fourth quarter, up from 7.32% during the same period last year.
- During the fiscal 2025 fourth quarter, Pathward Financial repurchased 180,740 shares of common stock at an average share price of $82.95.
- Pathward Financial completed the sale of its Insurance Premium Finance business and a transportation portfolio, and moved $144.1 million of its held for investment consumer finance portfolio to held for sale during the fiscal 2025 fourth quarter.
Oct 21, 2025, 8:10 PM
Quarterly earnings call transcripts for PATHWARD FINANCIAL.
Ask Fintool AI Agent
Get instant answers from SEC filings, earnings calls & more