PATHWARD FINANCIAL 10-K REPORT – $186.7M Q4 REVENUE

By Hao Liu • Wednesday, November 26 15:33 • Permanent Link

PATHWARD FINANCIAL, INC. has recently released its 10-K report, providing an insight into its financial performance and operations. Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association, offering a range of banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other, providing demand deposit accounts, savings accounts, money market savings accounts, commercial finance products, installment and revolving consumer lending products, tax services, warehouse financing services, payment solutions, and more.

In the 10-K report, the company highlighted its financial performance for the 2025 fiscal fourth quarter. Total revenue for the fourth quarter was reported at $186.7 million, marking a 4% increase compared to the same quarter in fiscal 2024. The net interest margin ("NIM") increased by 14 basis points to 7.46% for the fourth quarter from 7.32% during the same period of the previous year. Additionally, total gross loans and leases at September 30, 2025, increased by $589.7 million to $4.66 billion compared to September 30, 2024.

The report also detailed subsequent events that occurred after September 30, 2025, including the evaluation and identification of these events by the management. The financial condition section of the report highlighted that at September 30, 2025, the company's total assets decreased to $7.17 billion compared to $7.53 billion at September 30, 2024. This decrease was primarily due to reductions in loans held for sale, securities AFS, and cash and cash equivalents, partially offset by growth in loans and leases.

Furthermore, the report provided insights into the company's average balances, interest rates, and yields. It outlined the interest income from average interest-earning assets and the resulting yields, as well as the interest expense on average interest-bearing liabilities. The report also delved into the company's noninterest-earning assets and total assets, providing a comprehensive overview of its financial position.

Today the company's shares have moved -0.08% to a price of $71.42. For the full picture, make sure to review PATHWARD FINANCIAL, INC.'s 10-K report.

The above analysis is intended for educational purposes only and was performed on the basis of publicly available data. It is not to be construed as a recommendation to buy or sell any security. Any buy, sell, or other recommendations mentioned in the article are direct quotations of consensus recommendations from the analysts covering the stock, and do not represent the opinions of Market Inference or its writers. Past performance, accounting data, and inferences about market position and corporate valuation are not reliable indicators of future price movements. Market Inference does not provide financial advice. Investors should conduct their own review and analysis of any company of interest before making an investment decision.