PATHWARD FINANCIAL, INC.
CASHNasdaqFinancials · National Commercial Banks · DE · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $839.9M | $797.4M | $704.5M | $601.1M | $549.9M | $498.8M |
| Operating income | — | — | — | — | — | — |
| Net income | $75.0M | $69.9M | $54.1M | $27.8M | $61.3M | $28.0M |
| Total assets | $7.17B | $7.53B | $7.50B | $6.75B | $6.69B | $6.09B |
| Total liabilities | $6.31B | $6.71B | $6.88B | $6.10B | $5.82B | $5.24B |
| Equity | $858.0M | $822.5M | $651.6M | $645.2M | $870.7M | $843.7M |
| EPS (diluted) | $3.14 | $2.74 | $1.96 | $0.98 | $2.00 | $0.84 |
| Shares out. | 22.3M | 24.1M | 26.0M | 28.5M | 30.5M | 33.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 8.9%
- Return on equity
- 8.7%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 88.0%
- Debt / equity
- 7.36×
- Book value / share
- $38.41
- Revenue growth (YoY)
- 5.3%
- Net income growth (YoY)
- 7.2%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −5.2%clean
- Piotroski F-Score
- 7/7strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 3 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Aug 11, 2025
- NT 10-Qmissed a reporting deadline ↗May 12, 2025
- NT 11-Kmissed a reporting deadline ↗Mar 29, 2016
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Hoople Elizabeth G.Director | May 29, 2026 | Sell | 4,500 | $82.29 |
| Hajek Douglas J.Director | Apr 29, 2026 | Sell | 5,000 | $86.37 |
| Shulman Becky SDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Hajek Douglas J.Director | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Hoople Elizabeth G.Director | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Mccray Ronald DDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Perretta ChristopherDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Stork Kendall EDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Zlatkus Lizabeth HDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Mehta NeerajDirector | Feb 24, 2026 | Grant | 1,650 | $0.00 |
| Pharr Brett L.Officer — Chief Executive Officer | Feb 23, 2026 | Sell | 15,641 | $93.88 |
| Stork Kendall EDirector | Feb 9, 2026 | Sell | 3,000 | $94.15 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 2.2M | 11.4 | +3.4% |
| Apr 30, 2026 | 2.1M | 9.5 | +6.5% |
| Apr 15, 2026 | 2.0M | 10.4 | +2.2% |
| Mar 31, 2026 | 2.0M | 7.0 | -8.4% |
| Mar 13, 2026 | 2.2M | 10.0 | +12.8% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 21, 2026
- Results of operations · Regulation FD disclosureApr 22, 2026
- Other material eventFeb 26, 2026
- Shareholder voteFeb 25, 2026
- Results of operations · Regulation FD disclosureJan 22, 2026
- Changed auditorDec 30, 2025
- Other material eventNov 20, 2025
- Results of operations · Regulation FD disclosureOct 21, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- 4FORM 4Jun 1, 2026
- 144May 29, 2026
- 8-KMay 21, 2026
- 10-QMay 7, 2026
- 4FORM 4Apr 30, 2026
- 144Apr 29, 2026
- 3INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIESApr 23, 2026
- 8-KApr 22, 2026
- SCHEDULE 13GApr 9, 2026
- SCHEDULE 13G/AMar 27, 2026
- 8-KFeb 26, 2026
- 4FORM 4Feb 25, 2026
- 8-KFeb 25, 2026
- 4FORM 4Feb 25, 2026
- 4FORM 4Feb 25, 2026