{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-24-000082","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2024-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.254743+00:00","generated_at":"2026-05-31T17:43:54.128056+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathward Q3 EPS $1.66, revenue $176.7M (+7% YoY), NIM expands to 6.56%","bullets":["Net income $41.8M ($1.66 diluted EPS) vs $45.1M ($1.68) in prior-year Q3.","Revenue $176.7M (+7% YoY) on higher net interest income; NIM rose 38 bps to 6.56%.","Loans grew 12% YoY to $4.61B; commercial finance (+12%) and warehouse finance led growth.","Provision for credit losses $5.9M (up from $1.8M) due to higher commercial finance provisions.","Tax services net product income up 33% to $47.1M for 9 months; repurchased 286,920 shares at $52.24."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-24-000082","json":"https://secwatch.observer/filing/0000907471-24-000082.json","markdown":"https://secwatch.observer/filing/0000907471-24-000082.md","text":"https://secwatch.observer/filing/0000907471-24-000082.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747124000082/0000907471-24-000082-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747124000082/cash-20240724.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T17:43:54.128056+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}