{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-23-000005","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2023-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.495626+00:00","generated_at":"2026-06-20T10:16:24.027475+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathward Financial Q1 GAAP EPS $0.98, raises FY2023 guidance to $5.55-$5.95","bullets":["Net income $27.8M ($0.98 diluted EPS) vs $61.3M ($2.00) a year ago; adjusted EPS $0.81 vs $0.78.","Total revenue $149.8M, down 5% YoY, as prior year included $50M gain on trademark sale.","Net interest margin expanded 103 bps to 5.62%; net interest income up 17% to $84.1M.","Raised FY2023 GAAP EPS guidance to $5.55-$5.95; shares repurchased 653,994 at avg $38.10.","Card processing expense from BaaS agreements jumped to $14.0M ($0.1M prior year)."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-23-000005","json":"https://secwatch.observer/filing/0000907471-23-000005.json","markdown":"https://secwatch.observer/filing/0000907471-23-000005.md","text":"https://secwatch.observer/filing/0000907471-23-000005.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000005/0000907471-23-000005-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000005/cash-20230125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-20T10:16:24.027475+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"a22ec225749169ca00de18480b29edd195fc4cb9","claim":"PATHWARD FINANCIAL, INC. reported three months ended December 31, 2022 results: revenue $149.8 million, net income $27.8 million, EPS $0.98 p er share. Guidance raised.","evidence_excerpt":"does not anticipate any further material expenses related to rebranding efforts. Financial Highlights for the 2023 Fiscal First Quarter • Total revenue for the first quarter was $149.8 million, a decrease of $8.4 million, or 5%, compared to the same quarter in fiscal 2022, primarily driven by the $50.0 million gain on sale of names and trademarks recognized during the","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000005/0000907471-23-000005-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three months ended December 31, 2022"},{"label":"Revenue","value":"$149.8 million"},{"label":"Net income","value":"$27.8 million"},{"label":"EPS","value":"$0.98 p er share"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}