CASH at a glance
PATHWARD FINANCIAL, INC. (CASH, SEC CIK 907471) filed its latest 10-K annual report on November 25, 2025, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 17, 2026 and Form 4 insider filings as recently as September 8, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended September 30, 2025 (FY2025), PATHWARD FINANCIAL, INC. (CASH) reported revenue of $839.9 million (up 11.3% from FY2024) and net income of $185.9 million. Diluted EPS was $7.87.
- As of June 30, 2026, 33 institutional investment managers tracked by SignalX reported holding PATHWARD FINANCIAL, INC. (CASH) shares worth $988.6 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Hoople Elizabeth G. on May 29, 2026 of 4,500 shares at $82.29 per share.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $839.9M
- +11.3% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 33 funds
- $988.6M · +2 vs prior quarter
- Latest 8-K
- Sep 17, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Sep 30, 2025
Business Overview
- Core business model centered on banking services, including lending, deposit gathering, and Partner Solutions
- Emphasis on reputational risk management linked to regulatory compliance, lending practices, and customer data protection
- Increased focus on risks from negative publicity and potential regulatory penalties affecting Partner Solutions segment
- Insurance coverage maintained for fidelity, business interruption, cybersecurity, and property risks with annual renewal
- Potential insurance gaps highlighted due to deductible limits, coverage limits, and rising premium costs impacting risk mitigation
Risk Factors
- CFPB enforcement on consumer financial products risks affecting Bank's offerings, per Bureau's rulemaking on unfair, deceptive, or abusive acts
- Exposure to US economic downturn risk with over $2.0B liquidity buffer amid ongoing banking industry volatility post-2023 SVB, Signature Bank failures
- Dependence on limited program manager relationships generating significant deposits, total assets, and income via Partner Solutions business
- OCC fintech charters pose market disruption threat to Partner Solutions segment from new fintech competitors with special purpose charters
- Material weakness in internal control over financial reporting disclosed as of Sept 30, 2025 risks adverse impact on financial condition and operations
Management Discussion & Analysis
- No profitability or margin % changes reported in MD&A
- Commercial Finance segment risk: residual value of leased equipment may be lower than expected, impacting operating income and cash flows
- Capital allocation details (buybacks, dividends, capex) not discussed in provided text
- Key emerging risks: tax credit recapture risk affecting renewable energy investments, interest rate fluctuations reducing net interest income, competition pressures, prepaid financial services demand uncertainty, reliance on third-party relationships
AI summary of the CASH 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $29.0M vs $42.1M YoY; diluted EPS $1.37 vs $1.81
- Net interest income $112.9M, down 8% YoY; NIM 6.59% vs 7.43%
- Commercial finance strongest: interest income up $6.1M; consumer finance weakest, down $11.6M
- Provision for credit losses $28.3M vs $9.3M; net charge-offs $16.0M vs $6.1M
- Cash $149.4M vs $120.6M; 303,632 shares repurchased at $92.18 average
Risk Factors
- No risk-factors section provided; supplied text covers equity repurchases and filing exhibits
- Share-repurchase authorization: 3,127,179 shares remaining under the 7,000,000-share program
- Quarterly repurchases: 303,632 shares at average prices of $93.45 and $86.86
- No defaults upon senior securities reported during fiscal 2026 third quarter
AI summary of the CASH 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- President Anthony Sharett resigning effective October 23, 2026 to pursue other opportunities
- Responsibilities to be redistributed among existing executive team members under the succession plan
Item 8.01: Other Events
- Fourth-quarter fiscal 2026 cash dividend declared, signaling continued shareholder capital returns
- Dividend amount, record date, and payment date detailed in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Quarterly cash dividend of $0.05 per share declared for fiscal Q4 2026
- October 1, 2026 payment date for shareholders of record September 10, 2026
Item 7.01: Regulation FD Disclosure
- Exhibit 99.2 provides Pathward Financial’s third-quarter fiscal 2026 investor presentation
- Presentation dated July 22, 2026 supports the earnings call and webcast
Item 2.02: Results of Operations and Financial Condition
- Q3 and nine-month fiscal 2026 results announced for periods ended June 30, 2026
- Press release issued July 22, 2026, with detailed operating and financial data in Exhibit 99.1
AI summaries of CASH 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CASH
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Perretta Christopher | A | Sep 4, 2026 | 400 | - |
| SHULMAN BECKY S | A | Sep 4, 2026 | 400 | - |
| Stork Kendall E | A | Sep 4, 2026 | 400 | - |
| Mehta Neeraj | A | Sep 4, 2026 | 400 | - |
| Hoople Elizabeth G. | A | Sep 4, 2026 | 400 | - |
| MCCRAY RONALD D | A | Sep 4, 2026 | 400 | - |
| Zlatkus Lizabeth H | A | Sep 4, 2026 | 400 | - |
| Hajek Douglas J. | A | Sep 4, 2026 | 400 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $704.5M | $754.7M | $839.9M |
| Net Income | $163.6M | $168.4M | $185.9M |
| Net Margin | 23.2% | 22.3% | 22.1% |
| Balance Sheet | |||
| Total Assets | $7.9B | $7.5B | $7.2B |
| Equity | $704.8M | $839.9M | $858.0M |
| ROE | 23.2% | 20.0% | 21.7% |
| Per Share | |||
| EPS | - | $6.62 | $7.87 |
| Cash Flow | |||
| Operating CF | $303.1M | $453.5M | $450.6M |
| CapEx | $8.6M | $10.1M | $11.7M |
Source: XBRL data in PATHWARD FINANCIAL, INC. (CASH)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CASH share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 33 | $988.6M |
| Q1 2026 | 31 | $1.01B |
| Q4 2025 | 27 | $804.6M |
| Q3 2025 | 28 | $935.0M |
| Q2 2025 | 28 | $991.4M |
| Q1 2025 | 24 | $681.6M |
| Q4 2024 | 22 | $619.7M |
| Q3 2024 | 18 | $277.1M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 211 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CASH filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 17, 2026 | - | Analysis | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 4 | Sep 8, 2026 | - | - | - |
| 8-K | Aug 20, 2026 | - | Analysis | - |
| SC 13G | Aug 7, 2026 | - | - | |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jun 8, 2026 | - | - | |
| 4 | Jun 1, 2026 | - | - | |
| 10-Q | May 7, 2026 | Mar 31, 2026 | Analysis | |
| 4 | Apr 30, 2026 | - | - | - |
| 8-K | Apr 22, 2026 | - | Analysis | - |
| SC 13G | Apr 9, 2026 | - | - | |
| 8-K | Feb 26, 2026 | - | Analysis | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 4 | Feb 25, 2026 | - | - | - |
| 8-K | Feb 25, 2026 | - | Analysis | - |
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CASH SEC filings: frequently asked questions
Which institutions hold CASH stock?
As of June 30, 2026, the largest PATHWARD FINANCIAL, INC. (CASH) holders among the 13F filers tracked by SignalX were BlackRock ($270.3 million), FMR LLC (Fidelity) ($157.0 million), State Street Corp ($125.3 million), Dimensional Fund Advisors ($92.7 million), Vanguard Capital Management LLC ($63.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CASH's revenue in fiscal year 2025?
For the fiscal year ended September 30, 2025 (FY2025), PATHWARD FINANCIAL, INC. (CASH) reported revenue of $839.9 million (up 11.3% from FY2024) and net income of $185.9 million. Diluted EPS was $7.87. The figures come from the XBRL data in the 10-K.
What are the main risks in CASH's latest 10-K?
In the 10-K filed November 25, 2025, PATHWARD FINANCIAL, INC. (CASH) flagged: CFPB enforcement on consumer financial products risks affecting Bank's offerings, per Bureau's rulemaking on unfair, deceptive, or abusive acts. Exposure to US economic downturn risk with over $2.0B liquidity buffer amid ongoing banking industry volatility post-2023 SVB, Signature Bank failures. (AI summary of the Risk Factors section.)
What did CASH report in its latest 8-K?
PATHWARD FINANCIAL, INC. (CASH) filed an 8-K on September 17, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). President Anthony Sharett resigning effective October 23, 2026 to pursue other opportunities.
What are the latest CASH SEC filings?
PATHWARD FINANCIAL, INC. (CASH) filed its latest 10-K annual report on November 25, 2025, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 17, 2026 and a Form 4 insider filing on September 8, 2026.
What is CASH's SEC CIK number?
PATHWARD FINANCIAL, INC. (CASH)'s SEC Central Index Key (CIK) is 907471. EDGAR lists every CASH filing under that number.
Ask anything about CASH
The research agent reads CASH's filings, financials, insider trades and 13F holders, then answers with sources.