[Form 4] PATHWARD FINANCIAL, INC. Insider Trading Activity

Rhea-AI Filing Summary

Pathward Financial, Inc. reported an insider equity award for a senior vice president and Chief Accounting Officer. On 11/14/2025, the officer acquired 1,934 shares of common stock at a reported price of $0 and separately acquired 750 shares at a reported price of $0, both tied to an equity incentive award. Following these transactions, the officer directly beneficially owns 7,455 common shares and indirectly owns 800 shares through parents. The award is described as Restricted Stock Units under the 2023 Omnibus Incentive Plan, vesting in three installments of 33-1/3% on 12/07/2026, 12/07/2027, and 12/07/2028.

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Warren Jennifer W.

(Last) (First) (Middle)

C/O PATHWARD FINANCIAL, INC.

5501 S BROADBAND LANE

(Street)

SIOUX FALLS SD 57108

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
PATHWARD FINANCIAL, INC. [ CASH ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	SVP, Chief Accounting Officer

3. Date of Earliest Transaction (Month/Day/Year)
11/14/2025

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock	11/14/2025		A		1,934	A	$0(1)	6,705	D
Common Stock	11/14/2025		A		750	A	$0(1)	7,455	D
Common Stock								800	I	Parents

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents an award of Restricted Stock Units ("RSU's") issued under the 2023 Omnibus Incentive Plan. The RSU's may be settled only in shares of common stock (one share per RSU) and will vest in three installments of 33-1/3% on 12/07/2026, 12/07/2027, and 12/07/2028

Remarks:

	/s/ Chance Huber, attorney-in-fact	11/18/2025
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What did the Form 4 for PATHWARD FINANCIAL, INC. (CASH) report?

The Form 4 reports that a senior vice president and Chief Accounting Officer of Pathward Financial, Inc. acquired shares of common stock in connection with an equity incentive award and updated their beneficial ownership.

How many PATHWARD FINANCIAL (CASH) shares were acquired in the reported transactions?

The officer acquired 1,934 shares of common stock at a reported price of $0 and an additional 750 shares of common stock at a reported price of $0, both linked to an incentive award.

What is the officer’s total beneficial ownership after the Form 4 transactions for CASH?

After the reported transactions, the officer beneficially owns 7,455 shares of Pathward Financial common stock directly and 800 shares indirectly through parents.

What type of award was reported in the PATHWARD FINANCIAL (CASH) Form 4?

The filing states that the transactions represent an award of Restricted Stock Units (RSUs) issued under the 2023 Omnibus Incentive Plan, which may be settled only in shares of common stock on a one-for-one basis.

How do the PATHWARD FINANCIAL (CASH) RSUs vest for the reporting officer?

The RSUs vest in three equal installments of 33-1/3% on 12/07/2026, 12/07/2027, and 12/07/2028, subject to the terms of the 2023 Omnibus Incentive Plan.

Does the Form 4 indicate whether the PATHWARD FINANCIAL (CASH) officer is an insider?

Yes. The filer is identified as an officer of Pathward Financial, Inc., serving as SVP, Chief Accounting Officer, which makes them a reporting insider under Section 16.