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Pathward

Logo: https://www.pathward.com/content/experience-fragments/pathward/us/en/site/header/master/_jcr_content/root/header/logo.coreimg.png/1683151128259/logo-r-transparent.png, Non-free logo, via Wikipedia4

Federally chartered savings bank

Pathward Financial, Inc. (formerly known as MetaBank) is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms. The bank operates in several segments within the banking and payments industry: banking as a service, commercial finance and tax services.3 Its shares trade on Nasdaq under the symbol CASH.1 Wikipedia text CC BY-SA 4.0

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Last updated Oct 21, 2026.

Overview

$839.9MRevenue, fiscal 20255
$185.9MNet income, fiscal 20255
1954Founded1

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  • TickerCASH on Nasdaq1
  • IndustryNational Commercial Banks1
  • HeadquartersSioux Falls1
  • Founded inStorm Lake1
  • Websitewww.pathward.com
  • Incorporated inDE6
  • Business address5501 South Broadband Lane, P O Box 1307, Sioux Falls, Sd 571086
  • Filer categoryLarge accelerated filer6
  • Legal formCorporation

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Pathward Financial, Inc. (formerly known as MetaBank) is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.3

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

22.1%Net margin5
5.3%Revenue growth, 20255
21.7%Return on equity5
0.04×Debt to equity5
$438.9MFree cash flow5

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Payment card and deposit fees brought in 32% of the revenue Pathward broke down this way in fiscal 2025.

  1. Payment card and deposit fees$125.0M532%down 1% from 2024
  2. Payment Card and Deposit Fees$125.0M532%down 1% from 2024
  3. Rental Income$51.7M513%down 5% from 2024
  4. Refund Advance Fee Income$48.7M512%up 12% from 2024
  5. Refund Transfer Fees$44.0M511%up 9% from 2024
Products and services by year
Products and services202320242025
Payment card and deposit fees$150.7M$125.9M$125.0M
Payment Card and Deposit Fees$125.9M$125.0M
Rental Income$54.2M$54.2M$51.7M
Refund Advance Fee Income$37.4M$43.5M$48.7M
Refund Transfer Fees$39.5M$40.2M$44.0M

Business segments

Consumer brought in 63% of the revenue Pathward broke down this way in fiscal 2025.

  1. Consumer$527.3M563%up 6% from 2024
  2. Commercial$276.4M533%up 4% from 2024
  3. Corporate Segment and Other Operating$36.2M54%up 4% from 2024
Business segments by year
Business segments20242025
Consumer$496.7M$527.3M
Commercial$265.8M$276.4M
Corporate Segment and Other Operating$34.9M$36.2M

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs74¢$617.8M
  • Income tax4¢$36.3M
  • Profit22¢$185.9M

Out of $839.9M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending3¢$11.7M
  • Dividends paid1¢$4.7M
  • Kept or used elsewhere96¢$434.3M

Out of $450.6M of cash from operations.5

Financial statements

Revenue891011125$839.9M in 2025+73% since 2019
0$250.0M$500.0M$750.0M$1.0B2019: $486.8M$486.8M20192020: $498.8M$498.8M2020+2%2021: $549.9M$549.9M2021+10%2022: $601.1M$601.1M2022+9%2023: $727.7M$727.7M2023+21%2024: $797.4M$797.4M2024+10%2025: $839.9M$839.9M2025+5%
Net income891011125$185.9M in 2025+260% since 2018
0$50.0M$100.0M$150.0M$200.0M2018: $51.6M$51.6M20182019: $97.0M$97.0M2019+88%2020: $104.7M$104.7M2020+8%2021: $141.7M$141.7M2021+35%2022: $151.1M$151.1M2022+7%2023: $143.3M$143.3M2023−5%2024: $183.2M$183.2M2024+28%2025: $185.9M$185.9M2025+1%

Every line of the income statement as filed: the last 3 fiscal years (annual) or 12 quarters (quarterly), latest first.5

Period ending2025-09-302024-09-302023-09-30
Loans and leases, including fees$455.8M$438.6M$346.8M
Mortgage-backed securities$34.1M$39.4M$41.2M
Other investments$33.5M$41.1M$33.9M
Total interest and dividend income$523.4M$519.1M$421.9M
Deposits$5.4M$13.0M$4.4M
FHLB advances and other borrowings$6.2M$8.2M$6.5M
Total interest expense$11.6M$21.2M$10.9M
Net interest income$511.8M$497.8M$411.1M
Provision for credit loss$56.8M$58.1M$109.2M
Net interest income after provision for credit loss$455.0M$439.7M$301.8M
(Loss) on sale of securities-$25.1M$0$0
Gain on divestitures$15.0M$0$0
Gain on sale of trademarks$0$0$10.0M
Secondary market revenue$37.0M$5.9M$412.0K
Gain on sale of other$5.2M$6.7M$2.3M
Other income$26.6M$23.2M$22.1M
Total noninterest income$328.1M$299.6M$316.6M
Compensation and benefits$200.5M$201.5M$184.3M
Refund transfer product expense$11.5M$9.9M$9.7M
Refund advance expense$1.2M$1.9M$1.9M
Card processing$138.4M$137.9M$105.5M
Building and software$42.1M$36.6M$34.7M
Operating lease equipment depreciation$45.6M$41.8M$45.7M
Legal and consulting$36.5M$24.9M$27.1M
Intangible amortization$3.5M$4.1M$5.0M
Impairment expense$5.9M$3.0M$3.3M
Other expense$74.8M$59.1M$46.2M
Total noninterest expense$560.1M$520.7M$463.4M
Income before income tax expense$223.1M$218.6M$155.0M
Income tax expense$36.3M$34.1M$9.6M
Net income before noncontrolling interest$186.8M$184.5M$145.5M
Net income attributable to noncontrolling interest$915.0K$1.3M$2.2M
Net income attributable to parent$185.9M$183.2M$143.3M
Basic (in dollars per share)$7.91$7.21$5.26
Diluted (in dollars per share)$7.87$7.20$5.24

Compare Pathward with another company

Corporate structure

Pathward sits at the top of its group. 1 entity, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Pathward

  • Pathward Sioux Falls

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Pathward reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$93.0M5 Sep 30, 2025$86.9M5 Sep 30, 2024+7.1%
Accumulated depreciation$52.4M5 Sep 30, 2025$47.8M5 Sep 30, 2024+9.6%
Property and equipment, net$40.6M5 Sep 30, 2025$39.1M5 Sep 30, 2024+4.0%
Operating-lease assets (leased space)$22.7M5 Sep 30, 2025$24.4M5 Sep 30, 2024−7.0%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$120.6M5 Sep 30, 2025$158.3M5 Sep 30, 2024−23.9%
Loans, net of allowance$4.6B5 Sep 30, 2025$4.0B5 Sep 30, 2024+15.2%
Deposits held (banks)$5.9B5 Sep 30, 2025$5.9B5 Sep 30, 2024+0.2%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$297.9M5 Sep 30, 2025$309.5M5 Sep 30, 2024−3.7%
Finite-lived intangibles, gross$92.1M5 Sep 30, 2025$99.4M5 Sep 30, 2024−7.3%
Accumulated amortization$68.6M5 Sep 30, 2025$71.7M5 Sep 30, 2024−4.4%
Finite-lived intangibles, net$12.5M5 Sep 30, 2025$16.6M5 Sep 30, 2024−24.6%

Properties, in its own words

The Company's corporate headquarters is located at 5501 South Broadband Lane in Sioux Falls, South Dakota. The Company has six non-branch offices from which its Commercial Finance and Partner Solutions business lines operate. The Commercial Finance business line operates out of offices in Troy, Michigan; Franklin, Tennessee; and Toronto, Ontario, Canada. The Partner Solutions business line operates out of the Company's corporate headquarters along with additional offices in Louisville, Kentucky and Easton, Pennsylvania. The Company has a corporate and shared services office located in Phoenix, Arizona.

Of the Company's seven properties, the Company leases six of them, all on market terms. See Note 6. Premises, Furniture, and Equipment, Net to the “Notes to Consolidated Financial Statements” which is included in Part II, Item 8 “Financial Statements and Supplementary Data” of this Annual Report on Form 10-K.

The rest of Item 2

Management believes current facilities are adequate to meet its present needs, though it is continuing to assess those property needs as Pathward Financial is a Talent Anywhere remote working environment.

Item 2 of the 10-K filed Nov 25, 2025.17

The story

Founding

Pathward was founded as Storm Lake Savings and Loan Association in 1954 by Stanley H. Haahr, who remained on the Board of Directors until 1990 and served as board chairman from 1981 to 1990. The bank purchased the Bradford Hotel property in Storm Lake at Fifth and Erie in 1970, and construction was completed on the bank's new headquarters in 1972. By 1993, the bank changed its name from First Federal Savings and Loan Association of Storm Lake to First Federal Savings Bank of the Midwest, a subsidiary of First Midwest Financial, Inc. On September 20, 1993, 1.9 million shares of stock in First Midwest Financial, Inc., were issued at $10 per share and began trading on the NASDAQ stock market under the symbol “CASH.”

Acquisitions

In 1994, Brookings Federal Bank, a federal savings bank in Brookings, South Dakota, was acquired and operated as the Brookings Federal Bank Division of First Federal Savings Bank of the Midwest. In 1996, Iowa Savings Bank in Des Moines was purchased and operated as the Iowa Savings Bank Division of First Federal Savings Bank of the Midwest.

In January 2018, Pathward acquired Crestmark Bank.

In March 2020, Pathward announced the sale of its community bank division to Central Bank, a state-chartered bank headquartered in Storm Lake, Iowa.

Expansion

First Federal opened the doors to its first Sioux Falls office – a temporary facility – on September 6, 2000. In 2004, the Meta Payment Systems (MPS) division was established in Sioux Falls. The next year, in 2005, all bank divisions under First Federal changed their names to MetaBank, inhabiting four market areas: Central Iowa; Northwest Iowa; Brookings; and Sioux Falls.

In 2009, MetaBank introduced a new retail product line and the MPS division became a leading issuer of rebate and gift cards in the United States and worldwide and one of the top issuers of Visa, MasterCard and Discover prepaid cards.

In 2014, MetaBank announced the acquisition of AFS/IBEX Financial Services Inc., an insurance premium financing company based in Dallas, Texas.

MetaBank announced the acquisition of Refund Advantage, a tax refund-transfer software company based in Louisville, Kentucky, in 2015.

Read the full text

In 2016, MetaBank announced two acquisitions: EPS Financial in November and Specialty Consumer Services (SCS) in December. EPS provides tax-related financial transaction solutions. They are headquartered in Easton, Pennsylvania SCS provides consumer tax advance services through its underwriting and loan management system. SCS is based in Hurst, Texas.

Pathward issued debit cards of up to $600 sent to millions of Americans as part of the second round of COVID-19 Economic Impact Payments in January 2021. MetaBank acted as the U.S. Treasury's "financial agent" for this purpose.

Illegal Activities and Fines

In 2024, Pathward Bank has agreed to pay about $700,000 in refunds and penalties stemming from an investigation conducted by the New York Attorney General's Office that revealed the bank unlawfully froze customer accounts and illegally transferred money to debt collectors.

In 2025, a victim of the TreasuryDirect fake website scam reportedly had their funds laundered through Pathward Bank.

Corporate leadership

James S. Haahr became President and Chief Executive Officer of Meta Financial Group, Inc., in 1993. J. Tyler Haahr took over the position of President and CEO in 2005. In 2011, James Haahr resigned as chairman, and J. Tyler Haahr became chairman and CEO. James and Tyler Haahr are the son and grandson of founder Stanley Haahr.

Brad Hanson served as President of the Meta Payment Systems division beginning with its inception in 2004. He was appointed President of Meta Financial Group and MetaBank in 2013.

In 2021, Hanson announced his plans to retire, and Brett Pharr was named the new CEO and Anthony Sharett was named the new President of Meta Financial and MetaBank.

Glen Herrick joined MetaBank in 2013 and served as Executive Vice President and Chief Financial Officer of Meta Financial Group and MetaBank. In 2023, Herrick retired from Pathward and was succeeded by Greg Sigrist.

Nadia Dombrowski joined MetaBank in 2022 as Executive Vice President, Chief Legal Officer and later her title changed to Executive Vice President, Chief Legal and Administrative Officer as her role expanded.

Charles Ingram joined MetaBank in 2020 as Executive Vice President, Chief Information Officer and in 2021 his title changed to Executive Vice President and Chief Technology and Product Officer as his role expanded.

Sale of trademark and rebranding

In December 2021, Meta Financial Group sold its "Meta" trademark to Facebook's parent company (now called Meta Platforms) for $60 million. The agreement required Meta Financial Group to phase out the trademark within one year. In March 2022, the financial services company announced it would change its brand to Pathward.

From Wikipedia’s article on Pathward, shared under CC BY-SA 4.0.7

Leadership

Who has led Pathward, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. J. Tyler Haahr2006–2018
  2. Bradley C. Hanson2018–2021
  3. Brett L. Pharr2021–2023
  4. Sonja Anne Theisen2023

Chair

  1. James S. Haahr2006–2011
  2. J. Tyler Haahr2011–2019

President

  1. Bradley C. Hanson2006–2021
  2. J. Tyler Haahr2006–2007
  3. Anthony M. Sharett2021–now

Chief financial officer

  1. Jonathan Gaiser2006–2007
  2. David W. Leedom2008–2013
  3. Glen William Herrick2013–2023
  4. Sonja Anne Theisen2023
  5. Greg Sigrist2023–now

Chief operating officer

  1. Troy Moore Iii.2006–2013
  2. Ira Duane Frericks2013–2016
197019801990200020102020
Board members and other officers (38)

Named in SEC Form D filings

People the company listed in its private-offering notices.

  • DirectorMichael R. Kramer named Oct 7, 202270

Products and brands

Pathward is headquartered in Sioux Falls, South Dakota The Insurance Premium Finance business unit is headquartered in Dallas, Texas, with an additional office in Newport Beach, California. Refund Advantage is headquartered in Louisville, Kentucky. EPS is headquartered in Easton, Pennsylvania. SCS is headquartered in Hurst, Texas.

Pathward's Insurance Premium Finance unit provides short-term, collateralized financing to facilitate the purchase of insurance for commercial property, casualty and liability risk. The business unit originates loans through a network of independent insurance agencies.

Refund Advantage, based in Louisville, Kentucky, provides tax refund-transfer software for Electronic Return Originators (EROs) and their customers.

EPS Financial (EPS) provides refund settlement products, prepaid payroll card solutions and merchant services. EPS is headquartered in Easton, Pennsylvania.

Read the full text

Specialty Consumer Services (SCS) provides consumer tax advance services through its proprietary underwriting model and loan management system. Based in Hurst, Texas, SCS was a pioneer for no-fee refund advance products.

From Wikipedia’s article on Pathward, shared under CC BY-SA 4.0.7

Former names

  • META FINANCIAL GROUP INCFeb 14, 2005 to Jul 13, 20226
  • FIRST MIDWEST FINANCIAL INCAug 9, 1996 to Feb 3, 20056

Timeline

  1. Sep 17, 20268-K Executive or director change71
  2. Aug 20, 20268-K Other events72
  3. Jul 22, 20268-K Results of operations; Regulation FD disclosure73
  4. May 21, 20268-K Other events74
  5. Apr 22, 20268-K Results of operations; Regulation FD disclosure75
  6. Feb 26, 20268-K Other events76
  7. Feb 25, 20268-K Shareholder vote77
  8. Jan 22, 20268-K Results of operations; Regulation FD disclosure78
  9. Dec 30, 20258-K Change of auditor79
  10. Nov 20, 20258-K Other events80
  11. Oct 21, 20258-K Results of operations; Regulation FD disclosure81
  12. Sep 2, 20258-K Listing notice or transfer; Regulation FD disclosure82
  13. Feb 3, 2023New chief executive Sonja Anne Theisen becomes CEO18
  14. Oct 19, 2021New chief executive Brett L. Pharr becomes CEO19
  15. Oct 31, 2018New chief executive Bradley C. Hanson becomes CEO20
  16. Oct 3, 2006New chief executive J. Tyler Haahr becomes CEO21
  17. 1954Founded Founded in Storm Lake1

Calendar

Coming up

  1. Oct 21, 2026 · After the closeReports results for the quarter ending Sep/2026 A year earlier it reported $1.69 a share, on Oct 21, 2025.83

When it reported results

  1. Jul 22, 2026Reported quarterly or annual results73
  2. Apr 22, 2026Reported quarterly or annual results75
  3. Jan 22, 2026Reported quarterly or annual results78
  4. Oct 21, 2025Reported quarterly or annual results81
  5. Jul 28, 2025Reported quarterly or annual results84
  6. Apr 22, 2025Reported quarterly or annual results85
  7. Jan 21, 2025Reported quarterly or annual results86
  8. Oct 23, 2024Reported quarterly or annual results87

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

419 filings to the SEC since October 2021: 6 annual reports, 16 quarterly reports, 70 major events, 260 insider forms, 24 large holders, 1 private raises, 42 other. The latest 20:

  1. Sep 17, 20268-K EDGAR
  2. Sep 8, 20264 EDGAR
  3. Sep 8, 20264 EDGAR
  4. Sep 8, 20264 EDGAR
  5. Sep 8, 20264 EDGAR
  6. Sep 8, 20264 EDGAR
  7. Sep 8, 20264 EDGAR
  8. Sep 8, 20264 EDGAR
  9. Sep 8, 20264 EDGAR
  10. Aug 20, 20268-K EDGAR
  11. Aug 7, 2026SCHEDULE 13G EDGAR
  12. Aug 6, 202610-Q EDGAR
  13. Jul 22, 20268-K EDGAR
  14. Jun 8, 20264 EDGAR
  15. Jun 1, 20264 EDGAR
  16. May 29, 2026144 EDGAR
  17. May 21, 20268-K EDGAR
  18. May 7, 202610-Q EDGAR
  19. Apr 30, 20264 EDGAR
  20. Apr 29, 2026144 EDGAR

The 419 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

61 open-market trades by officers, directors and large owners since October 2021: 12 buys and 49 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
May 29, 2026Hoople Elizabeth G.DirectorSale4,500$82.29$370.3KForm 4
Apr 29, 2026Hajek Douglas J.DirectorSale5,000$86.37$431.9KForm 4
Feb 23, 2026Pharr Brett L.Chief Executive OfficerSale15,641$93.88$1.5MForm 4
Feb 9, 2026Stork Kendall EDirectorSale3,000$94.15$282.4KForm 4
Jan 30, 2026Perretta ChristopherDirectorSale1,450$89.94$130.4KForm 4
Oct 31, 2025Hajek Douglas J.DirectorSale3,000$68.11$204.3KForm 4
Oct 28, 2025Mehta NeerajDirectorSale2,500$69.34$173.3KForm 4
Oct 24, 2025Dombrowski NadiaChief Legal and Admin OfficerSale5,000$71.46$357.3KForm 4
Oct 24, 2025Sharett Anthony M.PresidentSale11,500$71.55$822.8KForm 4
Apr 29, 2025Stork Kendall EDirectorSale4,000$79.33$317.3KForm 4
Apr 25, 2025Warren Jennifer W.SVP, Chief Accounting OfficerSale1,667$77.97$130.0KForm 4
Apr 25, 2025Pharr Brett L.Chief Executive OfficerSale10,365$78.07$809.2KForm 4
Apr 25, 2025Hajek Douglas J.DirectorSale1,850$79.26$146.6KForm 4
Nov 8, 2024Sigrist GregChief Financial OfficerSale2,250$80.60$181.3KForm 4
Nov 6, 2024Warren Jennifer W.SVP, Chief Accounting OfficerSale1,556$79.15$123.2KForm 4
Sep 13, 2024Sharett Anthony M.PresidentSale3,100$66.40$205.8KForm 4
Sep 12, 2024Hajek Douglas J.DirectorSale2,000$64.91$129.8KForm 4
May 6, 2024Stork Kendall EDirectorSale2,000$53.53$107.1KForm 4
Mar 15, 2024Sharett Anthony M.PresidentSale1,000$47.50$47.5KForm 4
Dec 1, 2023Herrick Glen WilliamEVP, Exec. AdvSale13,854$50.50$699.6KForm 4

All 61 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Brett L. PharrCEO64$755.1K$4.6M95
2025Anthony M. SharettPresident$556.9K$2.2M95
2025Gregory A. SigristEVP and CFO$533.8K$2.1M95
2025Charles C. IngramEVP and Chief Information and Operations Officer$496.9K$1.5M95
2025Nadia A. DombrowskiEVP and Chief Legal and Administrative Officer$536.9K$1.5M95
2024Brett L. PharrCEO64$728.0K$4.3M95
2024Gregory A. SigristEVP and CFO$438.5K$2.4M95
2024Anthony M. SharettPresident$540.0K$2.1M95
2024Nadia A. DombrowskiEVP and Chief Legal and Administrative Officer$520.0K$1.4M95
2024Charles C. IngramEVP and Chief Information and Operations Officer$480.0K$1.3M95
2023Brett L. PharrCEO64$700.0K$3.9M95
2023Anthony M. SharettPresident$520.0K$2.0M95
2023Nadia A. DombrowskiEVP and Chief Legal and Administrative Officer$480.0K$1.2M95
2023Charles C. IngramEVP and Chief Information and Operations Officer$460.0K$1.2M95

Money raised

Private offerings the company reported to the SEC on Form D.

  1. Sep 23, 2022Raised $20 million in a private offering of debt Form D: 11 investors so far Form D

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.3,104,464$270.3M0.0%−55,195
Fmr LLC1,803,772$157.0M0.0%−152,743
State Street Corp1,438,880$125.3M0.0%+110,092
American Century Companies Inc1,269,975$110.6M0.0%+131,514
Dimensional Fund Advisors LP1,064,854$92.7M0.0%−28,484
Pure Financial Advisors, LLC0$73.1M0.9%No change
Geode Capital Management, LLC733,095$63.8M0.0%+33,350
Vanguard Capital Management LLC729,199$63.5M0.0%−20,965
Earnest Partners LLC568,923$49.5M0.2%−4,589
Vanguard Portfolio Management LLC443,000$38.6M0.0%+6,556
Neumeier Poma Investment Counsel LLC351,870$30.6M2.1%−4,330
Allspring Global Investments Holdings, LLC339,293$30.4M0.0%+106,463
Qube Research & Technologies Ltd297,329$25.9M0.0%+242,120
Jpmorgan Chase & Co285,040$24.7M0.0%+10,080
Bank Of America Corp /de/279,600$24.3M0.0%−22,903
Mawer Investment Management Ltd.271,655$23.7M0.2%+3,112
Charles Schwab Investment Management Inc268,911$23.4M0.0%+1,474
New York State Common Retirement Fund264,013$23.0M0.0%+100
D. E. Shaw & Co., Inc.256,026$22.3M0.0%+123,619
Morgan Stanley245,918$21.4M0.0%+7,964
Northern Trust Corp236,711$20.6M0.0%−20,424
Goldman Sachs Group Inc228,064$19.9M0.0%+28,329
Elgethun Capital Management210,540$18.3M2.6%+6,777
Clearbridge Investments, LLC208,621$18.2M0.0%−598
Austin Asset Management Co Inc0$16.6M2.3%No change

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How Pathward is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPATHWARD FINANCIAL, INC.2
  • CIK0000907471
  • Employer ID (EIN)42-140626217
  • Filer statusLarge accelerated filer not an emerging growth company; not a smaller reporting company; not a shell company17
  • Incorporated inDelaware17
  • Fiscal year endsSeptember 302
  • Industry code (SIC)6021 National Commercial Banks2
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance2
  • Business address5501 South Broadband Lane, P O Box 1307, Sioux Falls, SD 571082
  • Phone60578217672
  • Shares outstanding20,773,362 as of Jul 29, 202615
  • Public float$1.7B as of Mar 31, 202517
  • AuditorCrowe LLP, Chicago, Illinois PCAOB ID 173; it also attests to the company’s internal control over financial reporting17
  • On EDGAR sinceMay 21, 19962
  • Filings1,684 in all: 4 (761), 8-K (380), 10-Q (90), 4/A (59), SC 13G/A (44), 3 (37), DEF 14A (31), 10-K (28)2
    All 48 form types

    SC 13G (24), 5 (20), CORRESP (18), UPLOAD (17), 144 (15), 11-K (13), DEFA14A (12), ARS (11), D (10), EFFECT (9), 10-Q/A (8), 424B3 (8), S-3 (8), SC 13D/A (8), 8-K/A (7), S-8 (6), RW (5), SC 13D (5), SCHEDULE 13G (5), 10-K/A (4), 3/A (4), PRE 14A (4), NT 10-Q (3), NT 11-K (3), S-3/A (3), SCHEDULE 13G/A (3), 424B2 (2), 424B5 (2), 425 (2), FWP (2), S-3ASR (2), S-4 (2), S-4/A (2), 10-K405 (1), 10KSB40 (1), 10QSB (1), 305B2 (1), ARS/A (1), CT ORDER (1), NT 10-K (1)

  • Latest filingsAnnual report (10-K) Nov 25, 2025
    Quarterly report (10-Q) Aug 6, 2026
    Proxy statement (DEF 14A) Jan 14, 2026
    Latest 8-K (8-K) Sep 17, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, $.01 par valueCASHThe NASDAQ Stock Market LLC

From the cover page of the 10-K filed Nov 25, 2025 (Section 12(b) of the Exchange Act).17

Risk factors and legal proceedings

The risks Pathward names in Item 1A of its 10-K filed Nov 25, 2025: 1 risk under these headings, as written.17

  • Risks Related to Our Industry and Business
  • Risks Related to Regulation of the Company and the Bank
  • General Risk Factors
  • We have identified a material weakness in our internal control over financial reporting, and our management has concluded that our disclosure controls and procedures were not effective as of September 30, 2025. Failure to remediate this material weakness or otherwise to maintain an effective system of internal control and effective disclosure controls and procedures could have a material adverse effect on our results of operations and financial condition.

Legal proceedings

There are no material pending legal proceedings to which we are a party or to which any of our properties are subject. There are no material proceedings known to us to be contemplated by any governmental authority. From time to time, we are involved in a variety of litigation matters in the ordinary course of our business and anticipate that we will become involved in new litigation matters in the future.

The opening of Item 3, Legal Proceedings.17

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