{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-26-000023","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2026-04-22T23:59:59+00:00","discovered_at":"2026-05-14T18:02:33.915432+00:00","generated_at":"2026-05-15T05:01:17.326308+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathward Q2 fiscal 2026 net income $72.9M ($3.35 EPS); revenue up 9% on tax products","bullets":["Net income $72.9M ($3.35 diluted EPS) vs $75.0M ($3.14) a year ago; EPS up 7% on share repurchases.","Total revenue $276.3M (+9% YoY); noninterest income $151.2M (+9%) driven by tax products and card fees.","Tax services product income net of losses and direct expenses rose 30% to $62.0M; refund advance originations $1.87B.","Net interest margin fell to 6.63% from 7.12% YoY; adjusted NIM (ex-consumer finance sale) improved to 5.32% from 5.09%.","Nonperforming loans $117.7M (2.39% of loans) vs $39.8M (0.88%) a year ago; provision for credit losses $45.6M vs $35.3M."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-26-000023","json":"https://secwatch.observer/filing/0000907471-26-000023.json","markdown":"https://secwatch.observer/filing/0000907471-26-000023.md","text":"https://secwatch.observer/filing/0000907471-26-000023.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/0000907471-26-000023-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/cash-20260422.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T05:01:17.326308+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":[{"claim_id":"9307b7e949f75d30c3c0800f738d9b76af9b08d1","claim":"PATHWARD FINANCIAL, INC. reported three and six months ended March 31, 2026 results: net income $72.9 million, EPS $3.35 per share.","evidence_excerpt":"Pathward Financial, Inc. (“ Pathward Financial ” or the “Company”) (Nasdaq: CASH), a U.S.-based financial holding company driven by its purpose to power financial inclusion for all, today reported its results for the 2026 fiscal second quarter. The Company reported net incom e of $72.9 million, or $3.35 per share, f or the three months ended March 31, 2026, c ompared to net income of $75.0 million, or $3.14 per share, for the three months ended March 31, 2025.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/0000907471-26-000023-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"three and six months ended March 31, 2026"},{"label":"Net income","value":"$72.9 million"},{"label":"EPS","value":"$3.35 per share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}