Pathward Q4 EPS $1.85 vs $1.69; FY EPS $8.14; nonperforming loans rise to 5.61% of gross loans

PATHWARD FINANCIAL, INC.

Q4 net income $38.6M, diluted EPS $1.85 vs $38.8M/$1.69 a year ago; FY2026 net income $175.7M, EPS $8.14 vs $185.9M/$7.87.
Net interest income fell 8% to $117.6M; NIM 6.79% vs 7.46%, adjusted NIM 5.51%. Noninterest income rose 12% to $65.6M; expense fell 10% to $129.7M.
Provision for credit losses $10.3M vs $6.4M reversal; net charge-offs $52.0M. Nonperforming loans $289.3M (5.61% of gross loans) vs 2.05% a year ago.
Commercial finance loans $4.44B, up 13% YoY and 87% of portfolio; Q4 originations $2.2B vs $1.3B. Deposits $5.69B, down 3%.
Repurchased 281,562 shares at average $88.75; 2,845,617 shares remain authorized. NPAs 4.00% of assets vs 1.42% a year ago, tied to renewable-energy projects.

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