PATHWARD FINANCIAL, INC. (CASH) Form 8-K — Oct 21, 2026
$CASHForm 8-KItems 2.02, 7.01, 9.01Filed Oct 21, 2026, 4:05 PM ET0000907471-26-000042Original filing
Pathward Financial (Nasdaq: CASH) reported fiscal Q4 2026 net income of $38.6 million, or $1.85 per diluted share, up 9% in EPS from $1.69 a year earlier, despite roughly flat net income versus $38.8 million in Q4 FY2025. Full-year fiscal 2026 net income fell 5% to $175.7 million ($8.14 diluted EPS) from $185.9 million, with net interest income down 7% to $474.9 million, partly due to the October 2025 sale of the credit sponsorship portfolio. Noninterest income grew 6% to $347.2 million and noninterest expense fell 5%.
Key figures
- Eps
- Q4 diluted $1.85; FY2026 diluted $8.14
- Revenue
- Total revenue (GAAP, LTM) $822.2 million; Q4 net interest income $117.6 million, noninterest income $65.6 million
- Guidance
- Fiscal 2027 EPS of $9.50-$10.00, assuming no additional rate changes, effective tax rate of 18%-22%, secondary market revenues of $5-$7 million per quarter, includes expected share repurchases
- Net Income
- Q4 $38.6 million; FY2026 $175.7 million
- Revenue Yoy
- Q4 net interest income -8%; noninterest income +12%
- Total Assets
- 7253677000
- Cash Position
- $162.4 million cash and cash equivalents
- Shares Outstanding
- 20745540
- Acl
- $67.3 million
- Adjusted nim
- 5.51% Q4 FY26 vs 5.43% Q4 FY25
- Total deposits
- $5.69 billion, down 3% YoY
- Tier 1 leverage
- 9.85%
- Q4 net charge offs
- $52.0 million
- Net interest margin
- 6.79% Q4 FY26 vs 7.46% Q4 FY25
- Shares repurchased q4
- 281,562 shares at average $88.75
- Nonperforming loans pct
- 5.61% of gross loans vs 2.05% year ago
- Return on avg tangible equity
- 32.89% FY2026
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