{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-25-000102","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2025-10-21T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.556993+00:00","generated_at":"2026-05-17T03:10:10.523258+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"confidence":"high","headline":"Pathward Financial Q4 net income $38.8M ($1.69 EPS) vs $33.5M YoY; FY net income $185.9M","bullets":["Q4 revenue $186.7M (+4% YoY); NIM 7.46% vs 7.32% YoY.","FY 2025 net income $185.9M ($7.87 EPS) vs $183.2M ($7.20) in FY 2024.","Total gross loans $4.66B, up $589.7M YoY; commercial finance up 19% YoY.","Moved $144.1M consumer finance loans to held for sale; closed sale of over half on Oct 3.","Q4 share repurchases 180,740 shares at avg $82.95; 4.94M shares remain under program."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-25-000102","json":"https://secwatch.observer/filing/0000907471-25-000102.json","markdown":"https://secwatch.observer/filing/0000907471-25-000102.md","text":"https://secwatch.observer/filing/0000907471-25-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/0000907471-25-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/cash-20251021.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T03:10:10.523258+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"}