{"schema_version":"secwatch.filing_event.v1","accession":"0000907471-26-000042","form_type":"8-K","ticker":"CASH","cik":"0000907471","company_name":"PATHWARD FINANCIAL, INC.","filed_at":"2026-10-21T20:05:26+00:00","discovered_at":"2026-10-21T20:09:02.877077+00:00","generated_at":"2026-10-21T20:09:47.044828+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Pathward Q4 EPS $1.85 vs $1.69; FY EPS $8.14; nonperforming loans rise to 5.61% of gross loans","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0000907471-26-000042","json":"https://secwatch.observer/filing/0000907471-26-000042.json","markdown":"https://secwatch.observer/filing/0000907471-26-000042.md","text":"https://secwatch.observer/filing/0000907471-26-000042.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000042/0000907471-26-000042-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/907471/000090747126000042/cash-20261021.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-21T20:09:47.044828+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"}