---
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"
generated_at: "2026-07-22T20:07:37.627311+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.85
calibrated_materiality_score: 0.85
confidence: "high"
source: SEC EDGAR
---

# Pathward Q3 net income $29M ($1.37 EPS) down 31% YoY; nonperforming assets surge to $277.5M

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.85
- calibrated_materiality_score: 0.85
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-26-000032
- JSON: https://secwatch.observer/filing/0000907471-26-000032.json
- Plain text: https://secwatch.observer/filing/0000907471-26-000032.txt

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