{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-26-000032","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2026-07-22T20:05:23+00:00","discovered_at":"2026-07-22T20:07:01.535303+00:00","generated_at":"2026-07-22T20:07:37.627311+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"Pathward Q3 net income $29M ($1.37 EPS) down 31% YoY; nonperforming assets surge to $277.5M","bullets":["Net income of $29.0M ($1.37 diluted EPS) vs $42.1M ($1.81) in Q3 FY2025.","Nonperforming assets rose to $277.5M (3.79% of assets) from $119.8M (1.68%) at March 31, 2026.","Provision for credit losses increased to $28.3M from $9.3M YoY, driven by commercial finance specific reserves on two loans.","Net charge-offs of $16.0M, with $15.9M from commercial finance; net charge-offs were $6.1M in prior year.","Tax services product income net of losses and expenses up 29% to $77.1M for nine months; total tax services revenue $107.7M (+13%)."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-26-000032","json":"https://secwatch.observer/filing/0000907471-26-000032.json","markdown":"https://secwatch.observer/filing/0000907471-26-000032.md","text":"https://secwatch.observer/filing/0000907471-26-000032.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000032/0000907471-26-000032-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000032/cash-20260722.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:07:37.627311+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"}