{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-23-000088","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2023-07-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:36.977036+00:00","generated_at":"2026-06-13T02:37:40.436132+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Pathward Financial Q3 net income $45.1M ($1.68 EPS), revenue up 31% YoY; raises FY23 EPS guide to $5.60-$6.00","bullets":["Net income $45.1M ($1.68 EPS) vs $22.4M ($0.76) YoY; revenue $165.2M, +31%.","Net interest margin expands to 6.18% from 4.76%; gross loans $4.07B, +$384M YoY.","Raises FY2023 GAAP EPS guidance to $5.60-$6.00; introduces FY2024 guidance $6.10-$6.60.","Repurchased 490k shares in Q3 at avg $43.83; additional 249k shares in July at avg $50.23.","BaaS card processing expense $20.5M (up from $2.2M prior year) tied to structured deposit agreements."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-23-000088","json":"https://secwatch.observer/filing/0000907471-23-000088.json","markdown":"https://secwatch.observer/filing/0000907471-23-000088.md","text":"https://secwatch.observer/filing/0000907471-23-000088.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/cash-20230726.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-13T02:37:40.436132+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":"3a2158e42d0704329f4aea9e8c76b921dee208dd","claim":"PATHWARD FINANCIAL, INC. reported the three months ended June 30, 2023 results: revenue $165.2 million, net income $45.1 million, EPS $1.68 per share.","evidence_excerpt":"culture as well as the Company's purpose to power Financial Inclusion for All. Financial Highlights for the 2023 Fiscal Third Quarter • Total revenue for the third quarter was $165.2 million, an increase of $39.1 million, or 31%, compared to the same quarter in fiscal 2022 , driven by an increase in both net interest income and noninterest income. • Net interest","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended June 30, 2023"},{"label":"Revenue","value":"$165.2 million"},{"label":"Net income","value":"$45.1 million"},{"label":"EPS","value":"$1.68 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"79a877b80f913895ee7bc07b82a48d0c911f8421","claim":"PATHWARD FINANCIAL, INC. reported fiscal year 2024 results: EPS $6.10 to $6.60. Guidance initiated.","evidence_excerpt":"introducing fiscal year 2024 GAAP earnings per diluted share guidance of $6.10 to $6.60","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal year 2024"},{"label":"EPS","value":"$6.10 to $6.60"},{"label":"Guidance","value":"initiated"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"},{"claim_id":"b0638f5c79fdbcf3337332c336e4509d09f372c4","claim":"PATHWARD FINANCIAL, INC. reported fiscal year 2023 results: EPS $5.60 to $6.00. Guidance raised.","evidence_excerpt":"we are increasing our fiscal year 2023 GAAP earnings per diluted share guidance to $5.60 to $6.00","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000088/0000907471-23-000088-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fiscal year 2023"},{"label":"EPS","value":"$5.60 to $6.00"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"guidance update"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}