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

Rhea-AI Filing Summary

Pathward Financial, Inc. executive reports new equity award. The company’s EVP, Chief Information & Operations Officer reported acquiring 2,992 shares of Pathward common stock on 11/14/2025 at a stated price of $0, increasing beneficial ownership to 31,533 shares held directly. The filing explains this represents an award of restricted stock units under the 2023 Omnibus Incentive Plan, which can be settled only in common stock on a one-for-one basis. These RSUs are scheduled to vest in three equal installments of 33-1/3% on 12/07/2026, 12/07/2027, and 12/07/2028, linking the executive’s compensation more closely to the company’s future stock performance.

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
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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^*

Ingram Charles C.

(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)
	EVP, Chief Info & Ops 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		2,992	A	$0(1)	31,533	D

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 insider transaction did PATHWARD FINANCIAL, INC. (CASH) report on this Form 4?

The Form 4 reports that the EVP, Chief Information & Operations Officer of Pathward Financial, Inc. acquired 2,992 shares of common stock on 11/14/2025 at a stated price of $0, resulting from a restricted stock unit award.

How many PATHWARD FINANCIAL (CASH) shares does the reporting officer own after the transaction?

After the reported transaction, the officer beneficially owns 31,533 shares of Pathward Financial, Inc. common stock, held in direct ownership.

What type of equity award did the PATHWARD FINANCIAL (CASH) executive receive?

The executive received an award of restricted stock units (RSUs) under the company’s 2023 Omnibus Incentive Plan. Each RSU may be settled only in one share of Pathward common stock.

What is the vesting schedule for the 2,992 RSUs reported by PATHWARD FINANCIAL (CASH)?

The 2,992 RSUs will vest in three installments of 33-1/3% each on 12/07/2026, 12/07/2027, and 12/07/2028, subject to the terms of the award.

Who is the reporting person on this PATHWARD FINANCIAL (CASH) Form 4 and what is their role?

The reporting person is an officer of Pathward Financial, Inc. serving as EVP, Chief Info & Ops Officer, who filed individually as indicated by the “Form filed by One Reporting Person” box.

Was the reported PATHWARD FINANCIAL (CASH) transaction under a Rule 10b5-1 trading plan?

The form includes a checkbox to indicate if a transaction was made pursuant to a Rule 10b5-1(c) trading plan, but the provided content does not show that this box was selected.