{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-25-000074","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.656645+00:00","generated_at":"2026-05-18T00:43:20.937212+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Pathward Financial Q3 net income $42.1M ($1.81 EPS), revenue up 4%; plans restatement","bullets":["Net income $42.1M ($1.81 diluted EPS) vs $44.9M ($1.78) in Q3 FY24; total revenue $195.8M, +4% YoY.","Net interest margin expanded 17 bps to 7.43%; loans ex insurance premium finance up 19% YoY.","Company plans to restate FY2024 10-K and Q1 FY2025 10-Q due to gross vs net and derivative accounting errors in Credit Solutions.","Nonperforming assets rose to 1.03% of total assets ($74.7M) from 0.60% at March 31, 2025.","Repurchased 603,780 shares at avg $74.49 during the quarter; 5.1M shares remain under buyback program."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-25-000074","json":"https://secwatch.observer/filing/0000907471-25-000074.json","markdown":"https://secwatch.observer/filing/0000907471-25-000074.md","text":"https://secwatch.observer/filing/0000907471-25-000074.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000074/0000907471-25-000074-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000074/cash-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:43:20.937212+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"}