---
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"
generated_at: "2026-05-31T17:43:54.128056+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Pathward Q3 EPS $1.66, revenue $176.7M (+7% YoY), NIM expands to 6.56%

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-24-000082
- JSON: https://secwatch.observer/filing/0000907471-24-000082.json
- Plain text: https://secwatch.observer/filing/0000907471-24-000082.txt

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