---
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"
generated_at: "2026-05-15T05:01:17.326308+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Pathward Q2 fiscal 2026 net income $72.9M ($3.35 EPS); revenue up 9% on tax products

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-26-000023
- JSON: https://secwatch.observer/filing/0000907471-26-000023.json
- Plain text: https://secwatch.observer/filing/0000907471-26-000023.txt

## Key facts
- Earnings Releases
  PATHWARD FINANCIAL, INC. reported three and six months ended March 31, 2026 results: net income $72.9 million, EPS $3.35 per share.
  - Period: three and six months ended March 31, 2026
  - Net income: $72.9 million
  - EPS: $3.35 per share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/0000907471-26-000023-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.