PATHWARD FINANCIAL, INC. SEC Filings

Pathward Financial, Inc. director Christopher Perretta reported a sale of company stock. On January 30, 2026, he sold 1,450 shares of Common Stock at a price of $89.94 per share. After this transaction, he beneficially owned 6,700 shares, held in direct ownership.

The Vanguard Group reports beneficial ownership of 1,517,110 shares of Pathward Financial Inc. common stock, representing 6.79% of the outstanding class. Vanguard has shared voting power over 178,894 shares and shared dispositive power over all 1,517,110 shares, with no sole voting or dispositive authority.

The filing notes an internal realignment effective January 12, 2026, after which certain Vanguard subsidiaries or business divisions are expected to report ownership separately. Vanguard states the shares are held in the ordinary course of business, not to change or influence control, and that its clients have rights to dividends and sale proceeds, with no other person holding more than 5%.

Pathward Financial, Inc. furnished an earnings update and investor materials related to its first quarter of fiscal 2026. The company issued a press release announcing its results of operations and financial condition as of and for the three months ended December 31, 2025, and attached it as Exhibit 99.1. It also furnished a Quarterly Investor Update slide presentation, dated January 22, 2026, as Exhibit 99.2 for use in its conference call and earnings webcast, with the same materials available in the Investor Relations section of its website. The company specifies that the information in these exhibits is being furnished, not filed, under the Exchange Act and Securities Act.

Pathward Financial, Inc. is asking stockholders to vote at its virtual-only 2026 annual meeting on four items: electing three directors for terms ending in 2029, an advisory “Say‑on‑Pay” vote on executive compensation, an advisory vote to hold Say‑on‑Pay every year, and ratification of KPMG LLP as auditor for the year ending September 30, 2026.

The proxy highlights strong fiscal 2025 results, including net income of $185.9 million, diluted EPS of $7.87 versus $7.20 a year earlier, and return on average assets of 2.46% versus 2.40%. The company repurchased 2,062,184 shares at an average price of $76.09 and notes total share repurchases of $776.9 million and dividends of $40.5 million from 2Q19 to 4Q25. The Board emphasizes an independent chair, fully independent committees, robust risk oversight, stock ownership guidelines, and a pay program where most CEO and NEO compensation is variable and performance-based, supported by recent Say‑on‑Pay approval of 98%.

Pathward Financial, Inc. reported an insider stock transfer by its President, who is an officer of the company. On 12/16/2025, the insider disposed of 650 shares of common stock in a transaction coded "G," which the filing explains was a bona fide gift to a 501(c)(3) charitable organization for no consideration. The reported price per share for this transfer was $0, consistent with a charitable gift.

Following this transaction, the insider beneficially owns 35,316 shares of Pathward Financial common stock. The filing also notes that this balance reflects a prior transfer of 3,000 shares under a court-issued qualified domestic relations order.

Pathward Financial, Inc. reported that its senior vice president and chief accounting officer surrendered 221 shares of common stock on 12/05/2025 at $74.36 per share to the company to satisfy tax withholding obligations triggered by the vesting of restricted stock.

After this non-open-market transaction, the officer beneficially owns 7,234 shares directly and 800 shares indirectly through parents.

Pathward Financial, Inc. reported an insider stock transaction by its director and Chief Executive Officer. On December 5, 2025, 2,192 shares of common stock were surrendered back to the company at $74.36 per share to satisfy tax withholding obligations in connection with the vesting of restricted stock.

Following this tax-related transaction, the insider beneficially owns 93,902 shares of common stock directly and 614 shares indirectly through an IRA, indicating continued meaningful ownership in the company.

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.