Welcome to our dedicated page for Pathward Financial SEC filings (Ticker: CASH), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Tracking how Pathward Financial, Inc. (ticker CASH) juggles consumer refund advance loans, Banking-as-a-Service deposits and commercial insurance premium finance can feel like piecing together a 300-page puzzle. When segments swing with tax season, investors need more than a PDF download—they need answers.
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Pathward Financial reported first-quarter fiscal 2025 results that show modest top-line growth and portfolio expansion alongside credit and control challenges. Total revenue was $182.6 million, up 6% year-over-year, and net interest margin rose 66 basis points to 7.38%, driven by higher loan yields and balance growth. Gross loans increased to $4.56 billion from $4.08 billion, and total deposits rose 11% to $6.52 billion.
The quarter included a $16.4 million pre-tax gain on the sale of the commercial insurance premium finance business and a nearly offsetting $15.7 million pre-tax loss on the sale of securities. Provision for credit losses increased to $18.7 million, with net charge-offs of $16.3 million, and the allowance for credit losses totaled $74.3 million. Shareholders' equity declined to $757.6 million from $822.2 million. Management disclosed a material weakness in internal control over financial reporting and is pursuing remediation under Audit Committee oversight.
Pathward Financial disclosed it received a Nasdaq notice for failure to timely file required periodic reports, related to restatements involving gross-versus-net presentation and derivative accounting within certain Consumer Solutions lending and servicing relationships. The company filed an amended annual report for fiscal 2024 and is working to amend a prior quarterly report and to file subsequent quarterly reports. Nasdaq granted an extension to regain compliance until November 13, 2025 but requires an updated compliance plan by September 10, 2025 and will not grant further extensions. The notice does not affect current listing or trading while the company pursues remediation.
Pathward Financial, Inc. amended its annual report to restate previously issued consolidated financial statements and disclosed a material weakness in internal control over financial reporting for the year ended September 30, 2024. Management updated MD&A, risk factors and controls disclosures and included new Section 302 and 906 certifications and an updated auditor's report.
The filing reports loans and leases net of allowance of $4.00 billion (53% of total assets) at September 30, 2024, down from $4.27 billion (57%) a year earlier. Deposits totaled $5.88 billion with $5.64 billion attributable to the Consumer segment and significant concentration in Partner Solutions-related deposits. The Bank remained "well capitalized" as of September 30, 2024, and Pathward processes approximately $2.5 billion per day in ACH and wire services.
Pathward Financial, Inc. cannot timely file its Quarterly Report on Form 10-Q for the period ended June 30, 2025 because it is completing restatements of prior filings. The company will amend its annual report for the year ended September 30, 2024 and its quarterly report for the quarter ended December 31, 2024, then expects to file the interim report for the quarter ended March 31, 2025 before filing the delayed June 30, 2025 report.
The restatements arise from errors in presentation of certain third-party lending and servicing relationships in the Credit Solutions business, specifically gross vs. net presentation and derivative accounting affecting held-for-investment loan balances. The company says it needs additional time to complete corrected financial statements and is working to file the amendments and the delayed reports promptly.
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