{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-24-000122","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2024-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.340274+00:00","generated_at":"2026-05-30T11:20:18.476571+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathward Q4 EPS $1.35, full-year EPS $6.62, above guidance high end","bullets":["Q4 net income $33.6M ($1.35/diluted share) vs $35.9M ($1.36) YoY; revenue $167.9M, +4%.","Full-year net income $168.4M ($6.62/share), up 11% YoY; above updated guidance range.","NIM expanded to 6.66% (5.15% including rate-related processing expense) from 6.19%.","Total gross loans $4.08B, down $290.9M YoY due to insurance premium finance held for sale.","Repurchased 236,308 shares at avg $63.44; 7M shares remain under buyback."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-24-000122","json":"https://secwatch.observer/filing/0000907471-24-000122.json","markdown":"https://secwatch.observer/filing/0000907471-24-000122.md","text":"https://secwatch.observer/filing/0000907471-24-000122.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747124000122/0000907471-24-000122-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747124000122/cash-20241023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T11:20:18.476571+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"}