Here are the 10-K annual reports from Pathward Financial, Inc. (CASH) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow CASH and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CASH filings page.
Pathward Financial, Inc. (CASH) is a Delaware‑incorporated bank holding company that owns Pathward®, National Association, a nationally chartered, FDIC‑insured bank. As of March 31, 2025, the market value of voting stock held by non‑affiliates was $1.70 billion, and as of November 19, 2025 there were 22,339,006 common shares outstanding.
The company’s purpose is to power financial inclusion by serving individuals and businesses that are often underserved by traditional banks. It operates nationally through two main business lines—Partner Solutions and Commercial Finance—reported across three segments: Consumer, Commercial, and Corporate Services/Other.
Partner Solutions collaborates with fintechs, tax providers, and financial institutions to offer prepaid and debit cards, deposit accounts, payment processing, consumer lending, and tax‑related products such as refund advances and refund transfers, supporting over 42,000 independent tax offices. Commercial Finance focuses on working capital, equipment finance, and other structured lending and leasing products, investing deposits into diversified loan and lease portfolios, and occasionally selling or participating in loans and mortgage‑backed securities.
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.