secwatch.observer — SEC 8-K summary
======================================

Issuer:     PATHWARD FINANCIAL, INC. (CASH)
CIK:        0000907471
Form:       8-K
Filed at:   2025-10-21T23:59:59+00:00
Accession:  0000907471-25-000102
Event type: earnings
Sentiment:  positive
Materiality: 0.60
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

Pathward Financial Q4 net income $38.8M ($1.69 EPS) vs $33.5M YoY; FY net income $185.9M
--------------------------------------------------------------------------------

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/0000907471-25-000102-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/907471/000090747125000102/cash-20251021.htm
  HTML page:      https://secwatch.observer/filing/0000907471-25-000102

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer