{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-23-000126","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2023-10-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.353362+00:00","generated_at":"2026-06-09T12:52:58.786742+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 Q4 net income $35.9M ($1.36 EPS); raises FY2024 guidance to $6.20-$6.70","bullets":["Q4 net income $35.9M, EPS $1.36 vs $23.4M, $0.81 YoY; full year net income $163.6M, EPS $5.99 vs $156.4M, $5.26.","Revenue $161.0M, up 31% YoY; NIM expanded 98 bps to 6.19%.","FY2024 GAAP EPS guidance raised to $6.20-$6.70; adjusted FY2023 EPS $6.09.","CFO transition: Greg Sigrist EVP CFO-designate, to become CFO after 10-K; Glen Herrick retiring Dec 31, 2023.","Share repurchase: 311,727 shares in Q4 at avg $51.29; 232,588 in Oct 2023 at avg $47.25."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-23-000126","json":"https://secwatch.observer/filing/0000907471-23-000126.json","markdown":"https://secwatch.observer/filing/0000907471-23-000126.md","text":"https://secwatch.observer/filing/0000907471-23-000126.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/0000907471-23-000126-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/cash-20231025.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T12:52:58.786742+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":"29577cc8f5ecf4c4b732ebfda5e371e812c11094","claim":"PATHWARD FINANCIAL, INC. reported the fiscal year ended September 30, 2023 results: net income $163.6 million, EPS $5.99 per share.","evidence_excerpt":"The Company reported net income of $163.6 million, $5.99 per share, for the fiscal year ended September 30, 2023","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/0000907471-23-000126-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fiscal year ended September 30, 2023"},{"label":"Net income","value":"$163.6 million"},{"label":"EPS","value":"$5.99 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b71fafc53bcc1dd3e793011cc829078bb68f09c9","claim":"PATHWARD FINANCIAL, INC. reported the three months ended September 30, 2023 results: net income $35.9 million, EPS $1.36 per share. Guidance raised.","evidence_excerpt":"On October 25, 2023, the Registrant issued a press release announcing its results of operations and financial condition as of and for the three months and fiscal year ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/0000907471-23-000126-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the three months ended September 30, 2023"},{"label":"Net income","value":"$35.9 million"},{"label":"EPS","value":"$1.36 per 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"}