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Pathward Financial
Pathward Financial (CASH) investor relations material
Pathward Financial Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary22 Jan, 2026
Executive summary
Achieved net income of $35.2 million in Q1 FY2026, up 17% year-over-year, with diluted EPS of $1.57, up 28% year-over-year.
Business model leverages partnerships, financial inclusion, and digital-first solutions, with a focus on higher-return verticals and national banking operations.
Revenue growth targeted through balance sheet optimization, fee income from loan origination and sales, and new contracts in merchant acquiring sponsorship.
Evolved operating model and strategic initiatives rolled out to enhance partner alignment, client experience, and scalability.
Share repurchases totaled 651,804 shares at an average price of $72.07, with 4.3 million shares remaining authorized for repurchase.
Financial highlights
Total revenue for FYTD 2026 reached $173.1 million; noninterest income accounted for 31% of total revenue.
Net interest margin (NIM) was 6.95% (adjusted NIM 5.61%), both down from prior year due to portfolio sales.
Loans and leases grew to $4.98 billion, with $1.89 billion in new originations; commercial finance loans increased to $4.15 billion, up 15% year-over-year.
Deposits decreased 3% year-over-year to $6.35 billion.
Noninterest expense was $127.2 million, nearly flat year-over-year.
Outlook and guidance
Fiscal year 2026 EPS guidance raised to $8.55–$9.05, assuming no rate cuts, an 18–22% tax rate, and continued share repurchases.
Revenue growth expected from balance sheet optimization, fee income, and new partner programs.
Management expects continued sustainable growth in fiscal 2026, building on strategic initiatives.
Impact of consumer finance portfolio sale on NIM
Drivers of nonperforming asset increase YOY?
Card processing expense impact on reported NIM?
Fintechs obtaining bank charters: Pathward's view
New partner revenue contribution outlook
How does balance sheet velocity drive revenue?
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Next Pathward Financial earnings date
Q2 202621 Apr, 2026
Pathward Financial
Next Pathward Financial earnings date
Q2 202621 Apr, 2026
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Frequently asked questions
Pathward Financial Inc is a financial holding company that operates through its banking subsidiary, Pathward. The company provides commercial finance, consumer payments, and banking-as-a-service solutions. It serves a wide range of clients including fintechs, businesses, and underbanked consumers through tailored financial products and embedded banking services. The company is headquartered in Sioux Falls, South Dakota, and its shares are listed on the NASDAQ.
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