Ankündigung • Aug 20
Pathward Financial, Inc. Declares Dividend for the Fourth Quarter of 2026,Payable on October 1, 2026 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2026. This dividend will be payable on October 1, 2026 to shareholders of record as of September 10, 2026. Ankündigung • Jul 25
Pathward Financial, Inc. Updates Earnings Guidance for the Year 2026 and Provides Earnings Guidance for the Year 2027 Pathward Financial, Inc. updated earnings guidance for the year 2026. The company is updating fiscal 2026 guidance to an EPS range of $7.80 to $8.20.
The company is also introducing a fiscal year 2027 EPS guidance range of $9.50 to $10.00. Reported Earnings • Jul 24
Third quarter 2026 earnings released: EPS: US$1.37 (vs US$1.83 in 3Q 2025) Third quarter 2026 results: EPS: US$1.37 (down from US$1.83 in 3Q 2025). Revenue: US$161.3m (down 14% from 3Q 2025). Net income: US$28.9m (down 31% from 3Q 2025). Profit margin: 18% (down from 23% in 3Q 2025). The decrease in margin was driven by lower revenue. Revenue is forecast to grow 9.6% p.a. on average during the next 2 years, compared to a 6.7% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year whereas the company’s share price has increased by 14% per year. Ankündigung • Jul 09
Pathward Financial, Inc. to Report Q3, 2026 Results on Jul 22, 2026 Pathward Financial, Inc. announced that they will report Q3, 2026 results After-Market on Jul 22, 2026 Recent Insider Transactions • Jun 02
Independent Vice Chair recently sold €317k worth of stock On the 29th of May, Elizabeth Hoople sold around 5k shares on-market at roughly €70.46 per share. This transaction amounted to 14% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €369k. This was Elizabeth's only on-market trade for the last 12 months. Declared Dividend • Jun 01
Second quarter dividend of US$0.05 announced Shareholders will receive a dividend of US$0.05. Ex-date: 11th June 2026 Payment date: 1st July 2026 Dividend yield will be 0.3%, which is lower than the industry average of 4.8%. Ankündigung • May 23
Pathward Financial, Inc. Declares Cash Dividend for the Third Quarter of Fiscal Year 2026, Payable on July 1, 2026 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2026. This dividend will be payable on July 1, 2026 to shareholders of record as of June 11, 2026. Board Change • May 20
Insufficient new directors There is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Director Neeraj Mehta was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. Ankündigung • May 08
7Shifts Announces Launch of On-Demand Pay for Tips Product 7shifts announced the launch of On-Demand Pay for Tips, a new product powered by Clair. The integrated solution allows restaurant employees to access a portion of their earned tips shortly after a shift, rather than waiting for a traditional pay cycle. On-Demand Pay for Tips will be fully embedded into the 7shifts platform. As employees complete shifts, available tip earnings are automatically calculated and made accessible through Clair, eliminating manual processes for operators. The launch comes as many workers continue to struggle with expenses between pay cycles. By offering optional instant access to tips at no cost to the employer, 7shifts and Clair are helping operators reduce administrative burden while giving employees greater financial flexibility when they need it most. Ankündigung • Apr 09
Pathward Financial, Inc. to Report Q2, 2026 Results on Apr 22, 2026 Pathward Financial, Inc. announced that they will report Q2, 2026 results After-Market on Apr 22, 2026 Ankündigung • Feb 26
Pathward Financial, Inc. Declares Cash Dividend for the Second Quarter of Fiscal Year 2026, Payable on April 1, 2026 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2026. This dividend will be payable on April 1, 2026 to shareholders of record as of March 12, 2026. Ankündigung • Jan 15
Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026 Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026. Ankündigung • Nov 21
Pathward Financial, Inc. Declares Cash Dividend for the First Quarter of Fiscal Year 2026, Payable on January 2, 2026 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first quarter of fiscal year 2026. This dividend will be payable on January 2, 2026 to shareholders of record as of December 10, 2025. Ankündigung • Oct 22
Pathward Financial, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended September 30, 2025 Pathward Financial, Inc. announced net charge-offs for the fourth quarter ended September 30, 2025. The Company recognized net charge-offs of $46.2 million for the quarter ended September 30, 2025, compared to net charge-offs of $44.0 million for the quarter ended September 30, 2024. Ankündigung • Oct 08
Pathward Financial, Inc. to Report Q4, 2025 Results on Oct 21, 2025 Pathward Financial, Inc. announced that they will report Q4, 2025 results After-Market on Oct 21, 2025 Ankündigung • Sep 03
Pathward Financial, Inc. Receives Non-Compliance Notice from Nasdaq On August 26, 2025, Pathward Financial, Inc. ("Pathward Financial" or the Company") received an expected notice (the Notice") from the Listing Qualifications Department of the Nasdaq Stock Market LLC (Nasdaq"), indicating that the Company is not in compliance with Nasdaq Listing Rule 5250(c)(1) (the Listing Rule") as a result of its failure to timely file its Quarterly Report on Form 10-Q (Form 10-Q") for the fiscal quarter ended June 30, 2025, as described more fully in the Company's Form 12b-25 Notification of Late Filing filed with the Securities and Exchange Commission (the SEC") on August 11, 2025 (the Form 12b-25"). The Listing Rule requires listed companies to timely file all periodic reports with the SEC. The Company previously reported that it had received a similar Notice from Nasdaq on May 22, 2025 as a result of its failure to timely file its Form 10-Q for the fiscal quarter ended March 31, 2025. In accordance with Nasdaq's listing rules, the Company submitted a plan to regain compliance with the Listing Rule to Nasdaq, and Nasdaq granted the Company an extension to regain compliance with the Listing Rule until November 13, 2025. The Notice has no immediate effect on the listing or trading of the Company's common stock on Nasdaq. The Company filed its amended Form 10-K for the fiscal year ended September 30, 2024 on August 29, 2025. As disclosed in the Form 12b-25 and the Company's Form 8-K filed on July 2, 2025, the Company is also in the process of amending its Form 10-Q for the fiscal quarter ended December 31, 2024 to restate certain financial statements contained therein and filing its Form 10-Qs for the fiscal quarters ended March 31, 2025 and June 30, 2025; respectively. The restatements related to the Company's gross vs. net basis presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Consumer Solutions business, within held-for-investment loan balances. In accordance with the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance with the Listing Rule. Pursuant to the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance, but Nasdaq will not further extend the deadline for compliance. The Company intends to take the necessary steps to regain compliance with Nasdaq's listing rules as soon as practicable and in any event prior to the November 13, 2025 deadline. Ankündigung • Aug 21
Pathward Financial, Inc. Declares Cash Dividend for the Fourth Quarter of Fiscal Year 2025, Payable on October 1, 2025 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth quarter of fiscal year 2025. This dividend will be payable on October 1, 2025 to shareholders of record as of September 10, 2025. Ankündigung • Aug 12
Pathward Financial, Inc. announced delayed 10-Q filing On 08/11/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC. Ankündigung • Aug 08
Pathward Financial, Inc. Appoints Charles Ingram as Executive Vice President and Chief Information and Operations Officer Pathward Financial, Inc. announced that Charles Ingram has been appointed Executive Vice President and Chief Information and Operations Officer at Pathward, N.A. Ingram continues to report to Pathward’s Chief Executive Officer, Brett Pharr, in his new role, where he leads Pathward’s technology, security, artificial intelligence, data and analytics teams as well as product management, strategic business operations, and business transformation. Ingram joined Pathward in 2020 as Executive Vice President and Chief Information Officer and later served as Executive Vice President and Chief Technology and Product Officer from October 2021 until July 2025. His leadership experience in technology spans over three decades and includes leadership roles with another financial institution and other well-known brands. He earned a Master of Business Administration from Wake Forest University in Winston-Salem, North Carolina, and an Interdisciplinary Bachelor of Arts in Business Administration and Computer Science from Furman University in Greenville, South Carolina. Ingram’s recognition includes various awards, such as the 2022 Arizona CIO ORBIE Award for his work with Pathward. He is also a founding Advisory Board Member of the Arizona CIO Council. Ankündigung • Jul 29
Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025 Pathward Financial, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company recognized recognized net charge-offs of $6.1 million for the quarter ended June 30, 2025, compared to net charge-offs of $16.2 million for the quarter ended June 30, 2024. Ankündigung • Jul 25
Pathward Financial, Inc. to Report Q3, 2025 Results on Jul 28, 2025 Pathward Financial, Inc. announced that they will report Q3, 2025 results After-Market on Jul 28, 2025 Ankündigung • May 22
Pathward Financial, Inc. Announces Cash Dividend for the Third Quarter of 2025, Payable on July 1, 2025 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third quarter of fiscal year 2025. This dividend will be payable on July 1, 2025 to shareholders of record as of June 13, 2025. Ankündigung • May 13
Pathward Financial, Inc. announced delayed 10-Q filing On 05/12/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC. Ankündigung • Apr 23
Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended March 31, 2025 Pathward Financial, Inc. reported net charge-Offs for the quarter ended March 31, 2025. The Company recognized net charge-offs of $0.1 million for the quarter ended March 31, 2025, compared to net recoveries of $1.1 million for the quarter ended March 31, 2024. Ankündigung • Apr 09
Pathward Financial, Inc. to Report Q2, 2025 Results on Apr 22, 2025 Pathward Financial, Inc. announced that they will report Q2, 2025 results After-Market on Apr 22, 2025 Ankündigung • Feb 27
Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2025, Payable on April 1, 2025 Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2025. This dividend will be payable on April 1, 2025 to shareholders of record as of March 13, 2025. Ankündigung • Jan 16
Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025 Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025. Ankündigung • Jan 08
Pathward Financial, Inc. to Report Q1, 2025 Results on Jan 21, 2025 Pathward Financial, Inc. announced that they will report Q1, 2025 results After-Market on Jan 21, 2025 Ankündigung • Nov 21
Pathward Financial, Inc. Announces Cash Dividend for the First Fiscal Quarter of 2025, Payable on January 2, 2025 Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2025. This dividend will be payable on January 2, 2025 to shareholders of record as of December 10, 2024. Valuation Update With 7 Day Price Move • Nov 12
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to €76.50, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 35% over the past three years. Ankündigung • Oct 26
Pathward Financial, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended September 30, 2024 Pathward Financial, Inc. reported net charge-offs for the fourth quarter ended September 30, 2024. The Company recognized net charge-offs of $35.6 million for the quarter ended September 30, 2024, compared to net charge-offs of $41.3 million for the quarter ended September 30, 2023. Reported Earnings • Oct 24
Full year 2024 earnings released: EPS: US$6.63 (vs US$6.01 in FY 2023) Full year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$712.0m (up 11% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 23% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 7.1% p.a. on average during the next 2 years, compared to a 2.9% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 10% per year. Ankündigung • Oct 24
Pathward Financial, Inc. Provides Earnings Guidance for the Fiscal 2025 Pathward Financial, Inc. provided earnings guidance for the fiscal 2025. For the year, the company expects GAAP earnings per diluted share to a range of $7.10 to $7.60 which does not include the impact of the sale of the commercial insurance premium finance business. Ankündigung • Oct 10
Pathward Financial, Inc. to Report Q4, 2024 Results on Oct 23, 2024 Pathward Financial, Inc. announced that they will report Q4, 2024 results After-Market on Oct 23, 2024 Declared Dividend • Aug 26
Third quarter dividend of US$0.05 announced Shareholders will receive a dividend of US$0.05. Ex-date: 10th September 2024 Payment date: 1st October 2024 Dividend yield will be 0.3%, which is lower than the industry average of 4.8%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 3%. Ankündigung • Aug 22
Pathward Financial, Inc. Declares Cash Dividend for the Fourth Fiscal Quarter of 2024, Payable on October 1, 2024 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2024. This dividend will be payable on October 1, 2024 to shareholders of record as of September 10, 2024. Reported Earnings • Jul 25
Third quarter 2024 earnings released: EPS: US$1.68 (vs US$1.69 in 3Q 2023) Third quarter 2024 results: EPS: US$1.68 (down from US$1.69 in 3Q 2023). Revenue: US$170.8m (up 4.5% from 3Q 2023). Net income: US$41.8m (down 5.8% from 3Q 2023). Profit margin: 25% (down from 27% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.4% p.a. on average during the next 3 years, compared to a 3.3% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 13% per year and the company’s share price has also increased by 13% per year. Ankündigung • Jul 11
Pathward Financial, Inc. to Report Q3, 2024 Results on Jul 24, 2024 Pathward Financial, Inc. announced that they will report Q3, 2024 results After-Market on Jul 24, 2024 Upcoming Dividend • Jun 04
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 11 June 2024. Payment date: 01 July 2024. Payout ratio is a comfortable 3.0% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.5%). Lower than average of industry peers (6.3%). Declared Dividend • May 13
Second quarter dividend of US$0.05 announced Shareholders will receive a dividend of US$0.05. Ex-date: 11th June 2024 Payment date: 1st July 2024 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%. Ankündigung • May 10
Pathward Financial, Inc. Declares Cash Dividend for the Third Fiscal Quarter of 2024, Payable on July 1, 2024 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2024. This dividend will be payable on July 1, 2024 to shareholders of record as of June 11, 2024. Ankündigung • Apr 26
Pathward Financial, Inc. Provides Earning Guidance for the Year 2024 Pathward Financial, Inc. provided earning guidance for the year 2024. For the period, the company expects earnings per diluted share guidance to a range of $6.30 to $6.60. As part of this guidance, the Company is reiterating its expectation that the annual effective tax rate in fiscal year 2024 will be in a range between 16% and 20%. Reported Earnings • Apr 25
Second quarter 2024 earnings released: EPS: US$2.56 (vs US$1.99 in 2Q 2023) Second quarter 2024 results: EPS: US$2.56 (up from US$1.99 in 2Q 2023). Revenue: US$221.2m (up 16% from 2Q 2023). Net income: US$64.7m (up 20% from 2Q 2023). Profit margin: 29% (up from 28% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 3.4% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth. Ankündigung • Apr 11
Pathward Financial, Inc. to Report Q2, 2024 Results on Apr 24, 2024 Pathward Financial, Inc. announced that they will report Q2, 2024 results After-Market on Apr 24, 2024 Declared Dividend • Mar 04
First quarter dividend of US$0.05 announced Shareholders will receive a dividend of US$0.05. Ex-date: 11th March 2024 Payment date: 1st April 2024 Dividend yield will be 0.4%, which is lower than the industry average of 4.8%. Ankündigung • Feb 29
Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2024, Payable on April 1, 2024 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2024. This dividend will be payable on April 1, 2024 to shareholders of record as of March 12, 2024. Ankündigung • Jan 25
Pathward Financial, Inc. Reports Net Charge-Offs for the First Quarter Ended December 31, 2023 Pathward Financial, Inc. reported net charge-offs for the first quarter ended December 31, 2023. For the quarter, the company reported net charge-offs of $5.5 million compared to $3.2 million for the quarter ended December 31, 2022. Reported Earnings • Jan 25
First quarter 2024 earnings released: EPS: US$1.06 (vs US$0.98 in 1Q 2023) First quarter 2024 results: EPS: US$1.06. Revenue: US$152.9m (up 9.2% from 1Q 2023). Net income: US$27.4m (flat on 1Q 2023). Profit margin: 18% (down from 20% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 1.9% growth forecast for the Banks industry in Europe. Ankündigung • Jan 25
Pathward Financial, Inc. Re-Affirms Earnings Guidance for the Year 2024 Pathward Financial, Inc. re-affirms earnings guidance for the year 2024. The Company is reiterating fiscal year 2024 GAAP earnings per diluted share guidance of $6.20 to $6.70. Ankündigung • Jan 18
Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024 Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024, at 09:00 Central Standard Time. Agenda: To elect one director for a term of two years ending in 2026 and two directors for a term of three years ending in 2027, until their successors are elected and duly qualified; to approve, by a non-binding advisory vote, the compensation of named executive officers; to approve the Pathward Financial, Inc. 2023 Omnibus Incentive Plan and to ratify the appointment by the Board of Directors of the independent registered public accounting firm Crowe LLP as the independent auditors of Pathward Financial’s financial statements for the fiscal year ending September 30, 2024. Ankündigung • Jan 11
Pathward Financial, Inc. to Report Q1, 2024 Results on Jan 24, 2024 Pathward Financial, Inc. announced that they will report Q1, 2024 results After-Market on Jan 24, 2024 Upcoming Dividend • Dec 04
Upcoming dividend of US$0.05 per share at 0.4% yield Eligible shareholders must have bought the stock before 11 December 2023. Payment date: 02 January 2024. Payout ratio is a comfortable 3.3% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (5.1%). Lower than average of industry peers (6.3%). Recent Insider Transactions • Dec 03
Executive VP & Executive Advisor to CEO recently sold €652k worth of stock On the 1st of December, Glen Herrick sold around 14k shares on-market at roughly €46.50 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.2m more than they bought in the last 12 months. Ankündigung • Nov 17
Pathward Financial, Inc. Declares Cash Dividend for the First Fiscal Quarter of 2024, Payable on January 2, 2024 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2024. This dividend will be payable on January 2, 2024 to shareholders of record as of December 12, 2023. Reported Earnings • Oct 27
Full year 2023 earnings released: EPS: US$6.01 (vs US$5.26 in FY 2022) Full year 2023 results: EPS: US$6.01 (up from US$5.26 in FY 2022). Revenue: US$643.9m (up 12% from FY 2022). Net income: US$161.2m (up 4.8% from FY 2022). Profit margin: 25% (down from 27% in FY 2022). The decrease in margin was driven by higher expenses. Non-performing loans: 1.29% (up from 0.83% in FY 2022). Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 3.5% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year whereas the company’s share price has increased by 19% per year. Ankündigung • Oct 26
Pathward Financial, Inc. Raises Earnings Guidance for the Fiscal Year 2024 Pathward Financial, Inc. raised earnings guidance for the fiscal year 2024. The company is raising fiscal year 2024 GAAP earnings per diluted share guidance to a range of $6.20 to $6.70. Ankündigung • Oct 12
Pathward Financial, Inc. to Report Q4, 2023 Results on Oct 25, 2023 Pathward Financial, Inc. announced that they will report Q4, 2023 results After-Market on Oct 25, 2023 Ankündigung • Oct 06
Pathward Financial, Inc. Announces Executive Changes Pathward Financial, Inc. announced that Greg Sigrist has been appointed chief financial officer (“CFO”) - designee, beginning Nov. 1, 2023. Immediately after the filing of the Company’s Form 10-K for fiscal year 2023, Mr. Sigrist will transition to EVP, CFO, when he will succeed Glen Herrick, who will remain with the Company to aid in the transition and other projects until his retirement on December 31, 2023. Mr. Sigrist joins the Company after serving as EVP and CFO of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank for the past three years. Before joining Metropolitan, he served as the EVP and CFO of Columbia Banking System, Inc., from June 2018 until February 2020. Mr. Sigrist also spent 12 years with Morgan Stanley as a managing director in a number of senior financial roles, including CFO of Morgan Stanley Bank, N.A. from 2014 to early 2018. Prior to that, he served for five years as Vice President, Corporate Accounting Policy/M&A Finance with Citigroup. Mr. Sigrist built the foundation of his career spending 12 years between Ernst & Young and McGladrey & Pullen in senior auditing roles of financial services clients, including regional and community banks. Mr. Sigrist received a B.S. in Accounting with University Honors from Illinois State University and is a Certified Public Accountant. Ankündigung • Aug 26
Pathward Financial, Inc. Announces Cash Dividend for Fourth Fiscal Quarter of 2023, Payable on October 2, 2023 Pathward Financial, Inc. announced that it will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2023 on October 2, 2023 to shareholders of record as of September 12, 2023. Reported Earnings • Jul 27
Third quarter 2023 earnings released: EPS: US$1.69 (vs US$0.76 in 3Q 2022) Third quarter 2023 results: EPS: US$1.69 (up from US$0.76 in 3Q 2022). Revenue: US$163.4m (up 28% from 3Q 2022). Net income: US$44.4m (up 102% from 3Q 2022). Profit margin: 27% (up from 17% in 3Q 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 11% p.a. on average during the next 2 years, compared to a 4.0% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has increased by 46% per year, which means it is tracking significantly ahead of earnings growth. Ankündigung • Jul 13
Pathward Financial, Inc. to Report Q3, 2023 Results on Jul 26, 2023 Pathward Financial, Inc. announced that they will report Q3, 2023 results at 4:00 PM, US Eastern Standard Time on Jul 26, 2023 Valuation Update With 7 Day Price Move • Jun 08
Investor sentiment improves as stock rises 15% After last week's 15% share price gain to €47.20, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Banks industry in Europe. Total returns to shareholders of 189% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €68.32 per share. Upcoming Dividend • May 31
Upcoming dividend of US$0.05 per share at 0.4% yield Eligible shareholders must have bought the stock before 07 June 2023. Payment date: 03 July 2023. Payout ratio is a comfortable 4.5% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (4.8%). Lower than average of industry peers (6.2%). Ankündigung • May 12
Pathward Financial, Inc. Declares Cash Dividend for the Third Fiscal Quarter of 2023, Payable on July 3, 2023 Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2023. This dividend will be payable on July 3, 2023 to shareholders of record as of June 8, 2023. Reported Earnings • Apr 28
Second quarter 2023 earnings released: EPS: US$1.99 (vs US$1.66 in 2Q 2022) Second quarter 2023 results: EPS: US$1.99 (up from US$1.66 in 2Q 2022). Revenue: US$191.7m (up 19% from 2Q 2022). Net income: US$53.9m (up 11% from 2Q 2022). Profit margin: 28% (down from 30% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 8.4% p.a. on average during the next 2 years, compared to a 4.8% growth forecast for the Banks industry in Europe. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has increased by 29% per year, which means it is tracking significantly ahead of earnings growth. Recent Insider Transactions • Mar 17
Independent Director recently sold €146k worth of stock On the 10th of March, Frederick Moore sold around 3k shares on-market at roughly €43.70 per share. This transaction amounted to 29% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth €461k. Insiders have been net sellers, collectively disposing of €448k more than they bought in the last 12 months. Valuation Update With 7 Day Price Move • Mar 15
Investor sentiment deteriorates as stock falls 15% After last week's 15% share price decline to €39.20, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Banks industry in Europe. Total returns to shareholders of 120% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €59.12 per share. Recent Insider Transactions • Feb 05
Independent Director recently sold €461k worth of stock On the 1st of February, Michael Kramer sold around 10k shares on-market at roughly €46.11 per share. This transaction amounted to 28% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €333k more than they bought in the last 12 months. Reported Earnings • Jan 26
First quarter 2023 earnings released: EPS: US$0.98 (vs US$2.00 in 1Q 2022) First quarter 2023 results: EPS: US$0.98 (down from US$2.00 in 1Q 2022). Revenue: US$140.1m (down 11% from 1Q 2022). Net income: US$27.4m (down 55% from 1Q 2022). Profit margin: 20% (down from 38% in 1Q 2022). The decrease in margin was primarily driven by higher expenses. Revenue is forecast to grow 9.4% p.a. on average during the next 2 years, compared to a 5.2% growth forecast for the Banks industry in Europe. Ankündigung • Jan 19
Pathward Financial, Inc., Annual General Meeting, Feb 28, 2023 Pathward Financial, Inc., Annual General Meeting, Feb 28, 2023, at 09:00 Central Standard Time. Agenda: To consider election of directors; to approve by a non-binding advisory vote, the compensation of the company's named executive officers; and to ratify the appointment by the Board of Directors of the independent registered public accounting firm Crowe LLP as the independent auditors of Pathward Financial’s financial statements for the fiscal year ending September 30, 2023. Ankündigung • Jan 12
Pathward Financial, Inc. to Report Q1, 2023 Results on Jan 25, 2023 Pathward Financial, Inc. announced that they will report Q1, 2023 results After-Market on Jan 25, 2023 Upcoming Dividend • Nov 30
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 07 December 2022. Payment date: 02 January 2023. Payout ratio is a comfortable 3.8% but the company is not cash flow positive. Trailing yield: 0.5%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (6.2%). Reported Earnings • Nov 24
Full year 2022 earnings released: EPS: US$5.26 (vs US$4.38 in FY 2021) Full year 2022 results: EPS: US$5.26 (up from US$4.38 in FY 2021). Revenue: US$572.6m (up 15% from FY 2021). Net income: US$153.8m (up 11% from FY 2021). Profit margin: 27% (down from 28% in FY 2021). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 4.85% (up from 3.84% in FY 2021). Non-performing loans: 0.83% (down from 1.55% in FY 2021). Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Banks industry in Europe. Valuation Update With 7 Day Price Move • Oct 17
Investor sentiment improved over the past week After last week's 15% share price gain to €39.80, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 8x in the Banks industry in Europe. Total loss to shareholders of 23% over the past year. Upcoming Dividend • Aug 31
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 07 September 2022. Payment date: 03 October 2022. Payout ratio is a comfortable 4.1% and this is well supported by cash flows. Trailing yield: 0.6%. Lower than top quartile of German dividend payers (4.7%). Lower than average of industry peers (6.6%). Recent Insider Transactions • Aug 03
Executive VP & CFO recently bought €98k worth of stock On the 2nd of August, Glen Herrick bought around 3k shares on-market at roughly €32.81 per share. This was the largest purchase by an insider in the last 3 months. This was Glen's only on-market trade for the last 12 months. Reported Earnings • Jul 29
Third quarter 2022 earnings released: EPS: US$0.76 (vs US$1.21 in 3Q 2021) Third quarter 2022 results: EPS: US$0.76 (down from US$1.21 in 3Q 2021). Revenue: US$127.4m (flat on 3Q 2021). Net income: US$22.0m (down 42% from 3Q 2021). Profit margin: 17% (down from 30% in 3Q 2021). Over the next year, revenue is forecast to grow 8.1%, compared to a 20% growth forecast for the industry in Germany. Recent Insider Transactions • Jun 16
CEO & Director recently bought €89k worth of stock On the 14th of June, Brett Pharr bought around 3k shares on-market at roughly €35.75 per share. This was the largest purchase by an insider in the last 3 months. This was Brett's only on-market trade for the last 12 months. Upcoming Dividend • Jun 01
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 08 June 2022. Payment date: 01 July 2022. Payout ratio is a comfortable 3.8% and this is well supported by cash flows. Trailing yield: 0.5%. Lower than top quartile of German dividend payers (4.2%). Lower than average of industry peers (6.3%). Ankündigung • May 19
Meta Financial Group Declares Cash Dividend Payable on July 1, 2022 Meta Financial Group, Inc. announced that the company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2022. This dividend will be payable on July 1, 2022 to shareholders of record as of June 9, 2022. Reported Earnings • Apr 30
Second quarter 2022 earnings released: EPS: US$1.61 (vs US$1.84 in 2Q 2021) Second quarter 2022 results: EPS: US$1.61 (down from US$1.84 in 2Q 2021). Revenue: US$161.3m (up 2.7% from 2Q 2021). Net income: US$48.4m (down 16% from 2Q 2021). Profit margin: 30% (down from 37% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the next year, revenue is forecast to grow 9.8%, compared to a 8.9% growth forecast for the industry in Germany. Ankündigung • Apr 15
Meta Financial Group, Inc. to Report Q2, 2022 Results on Apr 28, 2022 Meta Financial Group, Inc. announced that they will report Q2, 2022 results After-Market on Apr 28, 2022 Upcoming Dividend • Mar 02
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 09 March 2022. Payment date: 01 April 2022. Payout ratio is a comfortable 3.6% and this is well supported by cash flows. Trailing yield: 0.4%. Lower than top quartile of German dividend payers (3.4%). Lower than average of industry peers (5.9%). Ankündigung • Feb 25
Meta Financial Group, Inc. Announces Cash Dividend for the Second Fiscal Quarter of 2022, Payable on April 1, 2022 Meta Financial Group, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2022. This dividend will be payable on April 1, 2022 to shareholders of record as of March 10, 2022. Recent Insider Transactions • Feb 04
Independent Director recently sold €267k worth of stock On the 1st of February, Michael Kramer sold around 5k shares on-market at roughly €53.36 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €846k more than they bought in the last 12 months. Reported Earnings • Jan 28
First quarter 2022 earnings: EPS in line with expectations, revenues disappoint First quarter 2022 results: EPS: US$2.00 (up from US$0.84 in 1Q 2021). Revenue: US$158.0m (up 50% from 1Q 2021). Net income: US$60.4m (up 120% from 1Q 2021). Profit margin: 38% (up from 26% in 1Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 4.5%. Over the next year, revenue is forecast to grow 4.7%, compared to a 11% growth forecast for the industry in Germany. Upcoming Dividend • Dec 01
Upcoming dividend of US$0.05 per share Eligible shareholders must have bought the stock before 08 December 2021. Payment date: 03 January 2022. Trailing yield: 0.3%. Lower than top quartile of German dividend payers (3.3%). Lower than average of industry peers (3.4%). Recent Insider Transactions • Nov 04
Independent Director recently sold €149k worth of stock On the 1st of November, Michael Kramer sold around 3k shares on-market at roughly €49.66 per share. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of €1.5m more than they bought in the last 12 months. 
