PATHWARD FINANCIAL, INC.

CASH

PATHWARD FINANCIAL, INC.

CASH

Insider Sentiment (TTM):

Last Purchase:-Last Sale:2026-05-29Shares Purchased (TTM):0Shares Sold (TTM):51,591

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:20,135,369Shares Outstanding:21,612,033Institutional Ownership Pct.:93.17%

Earnings Market Reaction:

Filing Date:2026-05-07Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Companies in National Commercial Banks

BFC JPM BAC WFC C LARK

PATHWARD FINANCIAL, INC. (CASH) — SEC Financial Statements & Analysis

PATHWARD FINANCIAL, INC. (CASH) files its annual 10-K and quarterly 10-Q reports directly with the SEC. The financial data below is sourced as-filed from EDGAR — balance sheet, income statement, and cash flow as reported, without normalization or third-party adjustments.

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Common Class A	0	0	0	0	0	0	0	0	0	0	0	0
Nonvoting Common Stock	0	0	0	0	0	0	0	0	0	0	0	0
Scenario Previously Reported	-	-	-	-	-	597	158	-	-	-	376	-
Restatement Adjustment	-	-	-	-	-	0	0	-	-	-	0	-
Cash And Cash Equivalents At Carrying Value	158	331	121	258	254	597	158	299	348	672	376	515
Debt Securities Available For Sale Excluding Accru…	1,271	1,310	1,328	1,367	1,412	1,480	1,741	1,725	1,779	1,851	1,804	1,914
Debt Securities Held To Maturity Excluding Accrued…	28	29	29	30	31	32	33	34	35	35	37	38
Federal Home Loan Bank Stock And Federal Reserve B…	25	24	25	29	24	24	36	24	26	24	28	31
Loans Receivable Held For Sale Amount	53	88	179	50	46	73	692	29	26	70	78	87
Assets
Assets	7,112	7,560	7,172	7,230	6,995	7,603	7,532	7,513	7,417	7,903	7,503	7,459
Financing Receivable Excluding Accrued Interest Be…	4,867	4,983	4,665	4,743	4,465	4,563	4,075	4,613	4,409	4,426	4,370	4,073
Financing Receivable Allowance For Credit Loss Exc…	-98	-59	-53	-106	-103	-74	-72	-80	-81	-54	-97	-82
Interest Receivable	36	36	39	40	37	35	31	32	30	27	23	22
Property Plant And Equipment Net	42	42	41	40	40	38	39	37	37	38	39	39
Intangible Assets Net Including Goodwill	309	310	310	311	312	313	326	327	328	329	330	331
Other Assets	275	311	330	285	275	315	266	280	283	281	304	266
Liabilities And Stockhold…
Short Term Borrowings	26	0	9	115	0	0	377	0	31	0	13	230
Deposits	5,852	6,350	5,887	6,005	5,819	6,519	5,875	6,432	6,368	6,936	6,589	6,307
Long Term Debt	34	33	33	33	33	33	33	33	33	34	34	34
Accrued Liabilities Current And Noncurrent	351	323	385	258	328	294	424	300	265	228	249	210
Liabilities	6,262	6,706	6,315	6,412	6,181	6,846	6,710	6,765	6,698	7,198	6,885	6,781
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	655	651	648	646	644	640	639	636	634	630	629	626
Retained Earnings Accumulated Deficit	341	347	360	337	342	313	337	343	318	293	246	267
Accumulated Other Comprehensive Income Loss Net Of…	-141	-135	-145	-160	-166	-191	-153	-208	-207	-188	-255	-208
Treasury Stock Common Value	-4	-8	-5	-5	-5	-5	-0	-6	-6	-5	-0	-7
Minority Interest	-1	-1	-1	-1	-1	-1	-0	-1	-0	-1	-1	-1
Stockholders Equity
Stockholders Equity	851	854	858	819	815	758	822	766	719	704	619	678
Liabilities And Stockholders Equity	7,112	7,560	7,172	7,230	6,995	7,603	7,532	7,530	7,437	7,927	7,503	7,459
Held To Maturity Securities Fair Value	24	25	26	26	26	27	30	30	31	32	31	34
Preferred Stock Shares Authorized	3	3	3	3	3	3	3	3	3	3	3	3
Preferred Stock Shares Issued	0	0	0	0	0	0	0	0	0	0	0	0
Preferred Stock Shares Outstanding	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	-	-	-	-	-	-	-	-	-	-	3	-
Common Stock Shares Issued	-	-	-	-	-	-	-	-	-	-	0	-
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	0	-
Treasury Stock Common Shares	0	0	0	0	0	0	0	0	0	0	0	0

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	-1.71%	-4.71%	-4.63%	-6.07%	-0.38%	-	-	-	-	-	-	-
2025	-4.94%	-10.75%	-3.10%	-3.65%	-10.97%	-5.95%	-3.20%	-7.96%	-0.35%	5.57%	5.33%	29.43%
2024	-0.20%	0.56%	3.86%	-1.02%	5.13%	27.65%	11.94%	6.13%	11.44%	-11.76%	-6.82%	-3.81%
2023	-	-	-	12.03%	6.98%	22.97%	-2.77%	-10.60%	-11.77%	5.74%	3.26%	3.80%
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Performance and Valuation Metrics

Metrics	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30
Leverage & Debt
Interest Coverage TTM	-0.55	-0.55	-0.57	-0.55	-0.55	-0.46	-0.33	1.64	16.95	20.79	28.90	26.77
Per Share Metrics
Diluted EPS TTM	8.72	8.55	7.91	14.35	14.07	13.57	13.27	11.83	11.70	10.91	10.21	5.69
Free Cash Flow Per Share TTM	35.80	32.62	18.45	6.92	10.25	10.70	19.02	19.06	14.55	11.89	11.90	6.19
Dividend Per Share TTM	0.32	0.31	0.30	0.21	0.21	0.20	0.20	0.21	0.21	0.21	0.20	0.21
Margin Metrics
Gross Profit Margin TTM	77.41%	76.38%	73.63%	62.28%	59.75%	54.37%	50.88%	63.71%	64.87%	72.05%	78.32%	94.45%
Operating Profit Margin TTM	489.48%	522.57%	507.17%	473.31%	482.43%	499.83%	508.25%	431.40%	433.12%	397.35%	386.07%	143.45%
Net Profit Margin TTM	411.12%	435.67%	423.08%	399.53%	406.14%	418.95%	425.23%	379.07%	384.20%	359.44%	349.70%	126.10%
Growth Metrics
Net Revenue Growth (1Y)	-44.09%	-44.14%	-44.08%	6.63%	6.86%	0.38%	0.07%	-34.72%	-58.34%	-67.36%	-74.82%	-49.11%
Net Income Growth (1Y)	-43.40%	-41.91%	-44.37%	12.39%	12.96%	17.00%	21.69%	96.26%	130.01%	128.03%	75.75%	1.16%
EPS Growth (1Y)	-38.05%	-36.95%	-40.15%	21.86%	20.71%	24.52%	29.73%	107.28%	146.35%	147.92%	91.43%	10.84%
Valuation Metrics
P/E TTM	10.18	8.27	9.29	5.47	5.14	5.39	4.95	4.75	4.28	4.81	4.46	8.04
P/B	2.27	1.85	2.02	2.22	2.11	2.34	2.01	1.88	1.76	1.92	1.98	1.79
P/S TTM	41.85	36.02	39.30	21.85	20.89	22.58	21.03	18.02	16.46	17.29	15.61	10.14
Market Cap	1.93B	1.58B	1.73B	1.82B	1.72B	1.78B	1.65B	1.40B	1.27B	1.35B	1.23B	1.21B
Enterprise Value	1.83B	1.28B	1.65B	1.71B	1.50B	1.21B	1.91B	1.14B	984.89M	716.67M	898.08M	959.28M
Calculated Values
Free Cash Flow TTM	773.65M	727.76M	431.78M	159.29M	242.58M	259.11M	478.66M	475.52M	367.81M	306.55M	319.29M	163.15M
Net Debt	-98.09M	-297.74M	-78.11M	-109.91M	-220.84M	-564.02M	252.02M	-265.60M	-283.52M	-638.02M	-328.71M	-251.09M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-29Sale

Owner: Hoople, Elizabeth G.

Title: -

Shares: 4,500

Price/Share: $82.29

Value: $370,305.00

Shares Owned: 28,050

Relationship: Director

Ownership: Direct

2026-04-29Sale

Owner: Hajek, Douglas J.

Title: -

Shares: 5,000

Price/Share: $86.37

Value: $431,850.00

Shares Owned: 12,281

Relationship: Director

Ownership: Direct

2026-02-23Sale

Owner: Pharr, Brett L.

Title: Chief Executive Officer

Shares: 15,641

Price/Share: $93.88

Value: $1,468,377.08

Shares Owned: 78,261

Relationship: Director,Officer

Ownership: Direct

2026-02-09Sale

Owner: Stork, Kendall E

Title: -

Shares: 3,000

Price/Share: $94.15

Value: $282,450.00

Shares Owned: 2,153

Relationship: Director

Ownership: Indirect

2026-01-30Sale

Owner: Perretta, Christopher

Title: -

Shares: 1,450

Price/Share: $89.94

Value: $130,413.00

Shares Owned: 6,700

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-29	Hoople, Elizabeth G.	Director	-	Direct	Sale	4,500	82.29	$370,305.00	28,050	4
2026-04-29	Hajek, Douglas J.	Director	-	Direct	Sale	5,000	86.37	$431,850.00	12,281	4
2026-02-23	Pharr, Brett L.	Director,Officer	Chief Executive Officer	Direct	Sale	15,641	93.88	$1,468,377.08	78,261	4
2026-02-09	Stork, Kendall E	Director	-	Indirect	Sale	3,000	94.15	$282,450.00	2,153	4
2026-01-30	Perretta, Christopher	Director	-	Direct	Sale	1,450	89.94	$130,413.00	6,700	4
2025-10-31	Hajek, Douglas J.	Director	-	Direct	Sale	3,000	68.11	$204,330.00	16,631	4
2025-10-28	Mehta, Neeraj	Director	-	Direct	Sale	2,500	69.34	$173,350.00	2,400	4
2025-10-24	Dombrowski, Nadia	Officer	Chief Legal and Admin Officer	Direct	Sale	5,000	71.46	$357,300.00	6,528	4
2025-10-24	Sharett, Anthony M.	Officer	President	Direct	Sale	11,500	71.55	$822,825.00	25,155	4
2025-04-29	Stork, Kendall E	Director	-	Indirect	Sale	4,000	79.33	$317,320.00	6,153	4
2025-04-25	Warren, Jennifer W.	Officer	SVP, Chief Accounting Officer	Direct	Sale	1,667	77.97	$129,975.99	5,019	4
2025-04-25	Hajek, Douglas J.	Director	-	Direct	Sale	1,850	79.26	$146,631.00	19,631	4
2025-04-25	Pharr, Brett L.	Director,Officer	Chief Executive Officer	Direct	Sale	10,365	78.07	$809,195.55	69,750	4
2024-11-08	Sigrist, Greg	Officer	Chief Financial Officer	Direct	Sale	2,250	80.60	$181,350.00	9,644	4
2024-11-06	Warren, Jennifer W.	Officer	SVP, Chief Accounting Officer	Direct	Sale	1,556	79.15	$123,157.40	5,008	4
2024-09-13	Sharett, Anthony M.	Officer	President	Direct	Sale	3,100	66.40	$205,840.00	30,046	4
2024-09-12	Hajek, Douglas J.	Director	-	Direct	Sale	2,000	64.91	$129,820.00	19,531	4
2024-05-06	Stork, Kendall E	Director	-	Indirect	Sale	2,000	53.53	$107,060.00	11,213	4
2024-03-15	Sharett, Anthony M.	Officer	President	Direct	Sale	1,000	47.50	$47,500.00	33,146	4
2023-12-01	Herrick, Glen William	Officer	EVP, Exec. Adv	Direct	Sale	13,854	50.50	$699,627.00	91,145	4
2023-11-21	Herrick, Glen William	Officer	EVP, CFO	Direct	Sale	11	50.50	$555.50	105,164	4
2023-11-17	Herrick, Glen William	Officer	EVP, CFO	Direct	Sale	5,970	50.50	$301,485.00	105,175	4
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Institutional Ownership

No data available for chart

2026-03-31

93.17%

Inst. Shares: 20,135,369

Shares Outstanding: 21,612,033

2025-12-31

88.62%

Inst. Shares: 19,774,613

Shares Outstanding: 22,312,973

2025-09-30

87.96%

Inst. Shares: 20,580,863

Shares Outstanding: 23,397,489

2025-06-30

88.69%

Inst. Shares: 20,403,992

Shares Outstanding: 23,006,454

2025-03-31

87.46%

Inst. Shares: 20,691,293

Shares Outstanding: 23,657,145

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	20,135,369	21,612,033	93.17%
2025-12-31	19,774,613	22,312,973	88.62%
2025-09-30	20,580,863	23,397,489	87.96%
2025-06-30	20,403,992	23,006,454	88.69%
2025-03-31	20,691,293	23,657,145	87.46%
2024-12-31	22,359,650	24,221,697	92.31%
2024-09-30	21,688,896	25,169,937	86.17%
2024-06-30	21,402,435	24,946,085	85.79%
2024-03-31	21,600,108	25,281,743	85.44%
2023-12-31	22,759,490	25,776,845	88.29%
2023-09-30	22,856,933	26,833,079	85.18%
2023-06-30	22,419,236	26,346,693	85.09%
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PATHWARD FINANCIAL, INC. (CASH) — SEC Financial Statements & Analysis

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