Notizie in diretta • Jun 06
Pathward Financial Stock Down 20% as Higher Rates Pressure Margins and Earnings Quality Pathward Financial shares fell 3.5% recently as investors reacted to concerns that a higher-for-longer Federal Reserve policy could pressure regional banks’ funding costs and net interest margins.
The company reported Q1 revenue of $276.4m, which was slightly lower year over year but came in 2% above analyst expectations.
Despite the revenue beat and management highlighting progress in tax-related products and commercial finance loans, the stock has declined nearly 20% since the Q1 earnings release, reflecting investor disappointment with net interest income and tangible book value per share misses.
The key issue is the tension between revenue that outpaced expectations and market concern over earnings quality and balance sheet metrics at a time when higher rates may compress regional banks’ margins.
This combination of a recent double-digit share price decline and questions around net interest income and loan demand risk puts the focus on how Pathward manages funding costs and credit quality over upcoming quarters. Recent Insider Transactions • Jun 02
Independent Vice Chair recently sold US$370k worth of stock On the 29th of May, Elizabeth Hoople sold around 5k shares on-market at roughly US$82.29 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 US$432k. This was Elizabeth's only on-market trade for the last 12 months. Recent Insider Transactions Derivative • May 29
Independent Vice Chair notifies of intention to sell stock Elizabeth Hoople intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of May. If the sale is conducted around the recent share price of US$82.38, it would amount to US$371k. Since December 2025, Elizabeth's direct individual holding has increased from 30.90k shares to 32.55k. Company insiders have collectively sold US$3.9m more than they bought, via options and on-market transactions in the last 12 months. Declared Dividend • May 25
Second quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 11th June 2026 Payment date: 1st July 2026 Dividend yield will be 0.2%, which is lower than the industry average of 3.2%. Annuncio • 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. Annuncio • 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. Recent Insider Transactions • May 03
Independent Director recently sold US$432k worth of stock On the 29th of April, Douglas Hajek sold around 5k shares on-market at roughly US$86.37 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 US$1.5m. Insiders have been net sellers, collectively disposing of US$3.9m more than they bought in the last 12 months. Recent Insider Transactions Derivative • Apr 30
Independent Director notifies of intention to sell stock Douglas Hajek intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of April. If the sale is conducted around the recent share price of US$88.14, it would amount to US$441k. Since December 2025, Douglas' direct individual holding has increased from 15.63k shares to 17.28k. Company insiders have collectively sold US$3.4m more than they bought, via options and on-market transactions in the last 12 months. Reported Earnings • Apr 24
Second quarter 2026 earnings: EPS in line with analyst expectations despite revenue beat Second quarter 2026 results: EPS: US$3.37. Revenue: US$230.7m (down 3.7% from 2Q 2025). Net income: US$72.8m (down 2.5% from 2Q 2025). Profit margin: 32% (in line with 2Q 2025). Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.8% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US. Annuncio • 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 Recent Insider Transactions • Mar 02
CEO & Director recently sold US$1.5m worth of stock On the 23rd of February, Brett Pharr sold around 16k shares on-market at roughly US$93.88 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Brett has been a net seller over the last 12 months, reducing personal holdings by US$2.3m. Board Change • Mar 01
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. Annuncio • 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. Recent Insider Transactions • Feb 12
Independent Director recently sold US$282k worth of stock On the 9th of February, Kendall Stork sold around 3k shares on-market at roughly US$94.15 per share. This transaction amounted to 23% 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 US$3.4m more than they bought in the last 12 months. Recent Insider Transactions Derivative • Feb 10
Independent Director notifies of intention to sell stock Kendall Stork intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 9th of February. If the sale is conducted around the recent share price of US$94.07, it would amount to US$282k. Since March 2025, Kendall's direct individual holding has decreased from 18.00k shares to 13.00k. Company insiders have collectively sold US$3.1m more than they bought, via options and on-market transactions in the last 12 months. Price Target Changed • Jan 25
Price target increased by 14% to US$100.00 Up from US$88.00, the current price target is provided by 1 analyst. New target price is 17% above last closing price of US$85.72. Stock is up 7.5% over the past year. The company is forecast to post earnings per share of US$8.64 for next year compared to US$7.91 last year. Reported Earnings • Jan 25
First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behind First quarter 2026 results: EPS: US$1.57 (up from US$1.23 in 1Q 2025). Revenue: US$169.9m (up 3.6% from 1Q 2025). Net income: US$35.1m (up 18% from 1Q 2025). Profit margin: 21% (up from 18% in 1Q 2025). Revenue missed analyst estimates by 6.8%. Earnings per share (EPS) exceeded analyst estimates by 14%. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 9.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 20% per year. Annuncio • Jan 15
Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026 Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026. Reported Earnings • Nov 26
Full year 2025 earnings: EPS exceeds analyst expectations Full year 2025 results: EPS: US$7.92 (up from US$6.63 in FY 2024). Revenue: US$783.1m (up 10% from FY 2024). Net income: US$185.2m (up 11% from FY 2024). Profit margin: 24% (in line with FY 2024). Net interest margin (NIM): 7.34% (up from 6.42% in FY 2024). Non-performing loans: 2.13% (up from 1.02% in FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 3.8%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 8.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 16% per year whereas the company’s share price has increased by 18% per year. Declared Dividend • Nov 23
Fourth quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 10th December 2025 Payment date: 2nd January 2026 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%. Annuncio • 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. Annuncio • 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. Annuncio • 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 Annuncio • 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. Annuncio • 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. Annuncio • 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. Annuncio • 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. Annuncio • 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. Annuncio • 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 Annuncio • 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. Annuncio • 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. Recent Insider Transactions • Apr 30
CEO & Director recently sold US$809k worth of stock On the 25th of April, Brett Pharr sold around 10k shares on-market at roughly US$78.07 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Brett's only on-market trade for the last 12 months. Reported Earnings • Apr 23
Second quarter 2025 earnings: EPS and revenues exceed analyst expectations Second quarter 2025 results: EPS: US$3.13 (up from US$2.56 in 2Q 2024). Revenue: US$233.0m (up 5.3% from 2Q 2024). Net income: US$74.0m (up 14% from 2Q 2024). Profit margin: 32% (up from 29% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 8.7% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth. Annuncio • 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. Annuncio • 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 Declared Dividend • Mar 03
First quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 13th March 2025 Payment date: 1st April 2025 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Annuncio • 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. Reported Earnings • Jan 22
First quarter 2025 earnings: EPS misses analyst expectations First quarter 2025 results: EPS: US$1.26 (up from US$1.06 in 1Q 2024). Revenue: US$161.5m (up 5.6% from 1Q 2024). Net income: US$31.3m (up 14% from 1Q 2024). Profit margin: 19% (up from 18% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 9.4%. Revenue is forecast to grow 8.8% p.a. on average during the next 2 years, compared to a 7.1% growth forecast for the Banks industry in the US. 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 11% per year. Annuncio • Jan 16
Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025 Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025. Annuncio • 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 Reported Earnings • Nov 29
Full year 2024 earnings: EPS exceeds analyst expectations Full year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$711.0m (up 10% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 24% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 6.42% (up from 6.05% in FY 2023). Non-performing loans: 1.02% (down from 1.29% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.3% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. 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 14% per year. Declared Dividend • Nov 25
Fourth quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 10th December 2024 Payment date: 2nd January 2025 Dividend yield will be 0.2%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%. Annuncio • 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. Recent Insider Transactions Derivative • Nov 14
CEO & Director notifies of intention to sell stock Brett Pharr intends to sell 12k shares in the next 90 days after lodging an Intent To Sell Form on the 13th of November. If the sale is conducted around the recent share price of US$70.78, it would amount to US$814k. For the year to September 2019, Brett's total compensation was 18% salary and 82% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2023, Brett's direct individual holding has increased from 44.26k shares to 53.66k. Company insiders have collectively sold US$1.3m more than they bought, via options and on-market transactions in the last 12 months. Valuation Update With 7 Day Price Move • Nov 11
Investor sentiment improves as stock rises 15% After last week's 15% share price gain to US$81.54, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 13x in the Banks industry in the US. Total returns to shareholders of 26% over the past three years. Annuncio • 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: EPS exceeds analyst expectations 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 was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.1% p.a. on average during the next 2 years, compared to a 6.6% growth forecast for the Banks industry in the US. 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 8% per year. Annuncio • 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. Annuncio • 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 Recent Insider Transactions • Sep 17
President recently sold US$206k worth of stock On the 13th of September, Anthony Sharett sold around 3k shares on-market at roughly US$66.40 per share. This transaction amounted to 9.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Anthony has been a net seller over the last 12 months, reducing personal holdings by US$253k. Recent Insider Transactions Derivative • Sep 08
President notifies of intention to sell stock Anthony Sharett intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of September. If the sale is conducted around the recent share price of US$68.24, it would amount to US$212k. Since September 2023, Anthony's direct individual holding has increased from 28.70k shares to 33.15k. Company insiders have collectively sold US$863k more than they bought, via options and on-market transactions in the last 12 months. Declared Dividend • Aug 25
Third quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 10th September 2024 Payment date: 1st October 2024 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 3%. Annuncio • 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. Price Target Changed • Jul 25
Price target increased by 11% to US$71.00 Up from US$64.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$68.21. Stock is up 29% over the past year. The company is forecast to post earnings per share of US$6.55 for next year compared to US$6.01 last year. Annuncio • 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 American dividend payers (4.7%). Lower than average of industry peers (3.0%). Declared Dividend • May 12
Second quarter dividend of US$0.05 announced Dividend of US$0.05 is the same as last year. Ex-date: 11th June 2024 Payment date: 1st July 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%. Annuncio • 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. Reported Earnings • Apr 26
Second quarter 2024 earnings: EPS and revenues exceed analyst expectations 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 exceeded analyst estimates by 2.7%. Earnings per share (EPS) also surpassed analyst estimates by 9.1%. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. 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 2% per year, which means it is significantly lagging earnings growth. Annuncio • 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%. Annuncio • 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 Dividend of US$0.05 is the same as last year. Ex-date: 11th March 2024 Payment date: 1st April 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%. Annuncio • 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. Reported Earnings • Jan 25
First quarter 2024 earnings: EPS and revenues miss analyst expectations 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 missed analyst estimates by 2.2%. Earnings per share (EPS) also missed analyst estimates by 15%. Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 5.4% growth forecast for the Banks industry in the US. Annuncio • 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. Annuncio • 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 American dividend payers (4.8%). Lower than average of industry peers (3.5%). Recent Insider Transactions • Dec 03
Executive VP & Executive Advisor to CEO recently sold US$708k worth of stock On the 1st of December, Glen Herrick sold around 14k shares on-market at roughly US$50.50 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 US$1.3m more than they bought in the last 12 months. Annuncio • 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 26
Full year 2023 earnings: EPS and revenues exceed analyst expectations 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 exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 1.8%. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year and the company’s share price has also increased by 17% per year. 
