---
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"
generated_at: "2026-10-21T20:09:47.044828+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000907471-26-000042
- JSON: https://secwatch.observer/filing/0000907471-26-000042.json
- Plain text: https://secwatch.observer/filing/0000907471-26-000042.txt

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