---
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"
generated_at: "2026-06-09T12:52:58.786742+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Pathward Financial Q4 net income $35.9M ($1.36 EPS); raises FY2024 guidance to $6.20-$6.70

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-23-000126
- JSON: https://secwatch.observer/filing/0000907471-23-000126.json
- Plain text: https://secwatch.observer/filing/0000907471-23-000126.txt

## Key facts
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported the fiscal year ended September 30, 2023 results: net income $163.6 million, EPS $5.99 per share.
  - Period: the fiscal year ended September 30, 2023
  - Net income: $163.6 million
  - EPS: $5.99 per share
  - Result: reported results
  source text: The Company reported net income of $163.6 million, $5.99 per share, for the fiscal year ended September 30, 2023
  evidence_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/0000907471-23-000126-index.htm
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported the three months ended September 30, 2023 results: net income $35.9 million, EPS $1.36 per share. Guidance raised.
  - Period: the three months ended September 30, 2023
  - Net income: $35.9 million
  - EPS: $1.36 per share
  - Guidance: raised
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/907471/000090747123000126/0000907471-23-000126-index.htm

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