secwatch.observer — SEC 8-K summary
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Issuer:     PATHWARD FINANCIAL, INC. (CASH)
CIK:        0000907471
Form:       8-K
Filed at:   2026-04-22T23:59:59+00:00
Accession:  0000907471-26-000023
Event type: earnings
Sentiment:  neutral
Materiality: 0.75
Item codes: 2.02, 7.01, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/0000907471-26-000023-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/907471/000090747126000023/cash-20260422.htm
  HTML page:      https://secwatch.observer/filing/0000907471-26-000023

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