---
schema_version: "secwatch.filing_event.v1"
accession: "0000907471-23-000060"
form_type: "8-K"
ticker: "CASH"
cik: "0000907471"
company_name: "PATHWARD FINANCIAL, INC."
filed_at: "2023-04-26T23:59:59+00:00"
generated_at: "2026-06-16T15:02:00.210240+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Pathward Financial Q2 net income $54.8M, EPS $1.99; reaffirms FY2023 guidance

## Summary
- Net income $54.8M ($1.99 diluted EPS) vs $49.3M ($1.66) YoY; adjusted net income $60.3M ($2.18).
- Total revenue $228.4M, up 18% YoY; net interest margin expanded 132 bps to 6.12%.
- Reaffirms FY2023 GAAP EPS guidance $5.55-$5.95 despite $7.3M pre-tax adverse impacts in Q2.
- Repurchased 1,172,700 shares at avg $46.60; 2,468,283 shares remain under buyback program.
- Legacy mobile solar transactions caused $6.8M pre-tax charge; $0.5M venture capital impairment.

## SEC filing metadata
- accession: 0000907471-23-000060
- form_type: 8-K
- ticker: CASH
- cik: 0000907471
- company_name: PATHWARD FINANCIAL, INC.
- filed_at: 2023-04-26T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/907471/000090747123000060/0000907471-23-000060-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/907471/000090747123000060/cash-20230426.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-23-000060
- JSON: https://secwatch.observer/filing/0000907471-23-000060.json
- Plain text: https://secwatch.observer/filing/0000907471-23-000060.txt

## Key facts
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported the three months ended March 31, 2023 results: revenue $228.4 million, net income $54.8 million, EPS $1.99 per share. Guidance reaffirmed.
  - Period: the three months ended March 31, 2023
  - Revenue: $228.4 million
  - Net income: $54.8 million
  - EPS: $1.99 per share
  - Guidance: reaffirmed
  - Result: reported results
  source text: of Pathward Financial appointed Christopher Perretta as a member of the Board. Financial Highlights for the 2023 Fiscal Second Quarter • Total revenue for the second quarter was $228.4 million, an increase of $34.9 million, or 18%, compared to the same quarter in fiscal 2022 , driven by an increase in both noninterest income and net interest income. • Net interest
  evidence_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000060/0000907471-23-000060-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.