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Pathward Financial CASH · USD

Financials · US listing · 🇺🇸 United States

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76.55

+0.38%

Close of 9 Nov 2026, in USD

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About Pathward Financial

From its filings with the US Securities and Exchange Commission

SEC filings

Pathward Financial is based in Sioux Falls, South Dakota and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker CASH. The SEC classifies its business as national commercial banks. In the fiscal year to 30 September 2025, it reported revenue of $839.9m and net income of $185.9m. At that date it held total assets of $7.17bn and shareholders' equity of $858.0m. By business, Consumer brought in 62.8% of revenue, followed by Commercial at 32.9% and Corporate Services/Other at 4.3%.

In its own words

As a nationwide provider of payments and commercial finance products, the Company has offices across the country. The principal executive office is located at 5501 South Broadband Lane, Sioux Falls, South Dakota, 57108. Its telephone number at that address is (877) 497-7497. The Company is subject to comprehensive regulation and supervision. See "Regulation and Supervision" herein.

The Company's purpose of powering financial inclusion means individuals and businesses deserve access to financial solutions. It is why for the past two decades Pathward Financial has been building solutions to help those who have been underserved by traditional banking providers.

The Company strives to remove barriers to financial access and promote economic mobility by working with third parties to provide responsible, secure, high quality financial products that contribute to the social and economic benefit of communities at the core of the real economy. Pathward Financial aims to increase financial availability, choice, and opportunity across two business lines: Partner Solutions and Commercial Finance. These strategic business lines provide support to individuals and businesses.

Quoted from its 10-K, filed 25 Nov 2025. Read the filing on SEC.gov ↗

Company facts

Sector
Financials
Industry
Thrifts & Mortgage Finance
Listed since
20 Sept 1993
Employees
1,244
Head office
5501 SOUTH BROADBAND LANE, SIOUX FALLS, SD, 57108
Incorporated in
DE
Classification
National Commercial Banks
Filer status
Large accelerated filer

Leadership

Pay as last reported

  • Ms. Becky ShulmanIndependent Chairman of the Board$287,338
  • Mr. Anthony SharettPresident$2.1m
  • Mr. Brett PharrChief Executive Officer, Director, since 2019$4.3m
  • Mr. Douglas HajekIndependent Vice Chairman of the Board$247,338
  • Mr. Gregory SigristChief Financial Officer, Executive Vice President$2.4m
  • Mr. Charles IngramExecutive Vice President, Chief Information and Operations Officer$1.3m
  • Ms. Anjana BerdeChief People and Culture Officer, Executive Vice President
  • Ms. Nadia DombrowskiExecutive Vice President, Chief Legal and Administrative Officer$1.4m
  • Ms. Elizabeth HoopleIndependent Director$237,338
  • Mr. Ronald MccrayIndependent Director$242,338
  • Mr. Neeraj MehtaIndependent Director$237,043
  • Mr. Christopher PerrettaIndependent Director$232,338

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
61
Environment
41
Social
72
Governance
71
Direct emissions (scope 1)
343 t
Energy emissions (scope 2)
1,806 t
Value chain emissions (scope 3)
1,590 t
Women in the workforce
55%
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Meta Financial Group Inc has a strong market presence and brand recognition in the financial industry. The company offers a diverse range of financial services, including banking, payment solutions, and commercial lending. These offerings contribute to their competitive advantage and customer loyalty.
  • Meta Financial Group Inc has a robust and scalable technology platform, enabling them to efficiently process transactions, deliver innovative solutions, and effectively manage operations. This technology infrastructure enhances their operational efficiency and customer experience.
  • The company has a strong financial position with solid revenue growth and profitability. Meta Financial Group Inc's consistent and healthy financial performance allows them to invest in strategic initiatives, expand their product portfolio, and pursue new market opportunities.

Weaknesses

  • One of the potential weaknesses of Meta Financial Group Inc is their heavy reliance on a few major clients for a significant portion of their revenue. This concentration increases their dependency on these clients and exposes them to the risk of losing business if these relationships are compromised.
  • Meta Financial Group Inc operates in a highly regulated industry, which can pose compliance challenges and additional costs. Adhering to regulatory requirements is crucial for the company's operations, and any failure to comply could result in financial and reputational damage.

Opportunities

  • The increasing demand for digital banking and financial services presents significant growth opportunities for Meta Financial Group Inc. By leveraging their strong technology platform, the company can offer innovative digital solutions and expand their customer base.
  • Meta Financial Group Inc can explore strategic partnerships and acquisitions to expand their product offerings and geographical reach. Collaborations with fintech companies or acquiring smaller competitors can help them enhance their competitiveness and capture new market segments.
  • The ongoing consolidation in the financial industry provides Meta Financial Group Inc with potential opportunities to acquire smaller banks or financial institutions. This can accelerate their growth, increase market share, and strengthen their position within the industry.

Threats

  • Intense competition within the financial industry poses a threat to Meta Financial Group Inc. Competitors may offer similar products and services, potentially leading to price wars and erosion of market share.
  • Changes in regulatory policies and compliance requirements may increase the company's costs and efforts to ensure compliance. Failure to adapt to these changes could result in penalties, reputational damage, or loss of business opportunities.
  • Emerging technologies and disruptive business models could pose threats to Meta Financial Group Inc. Fintech startups and tech giants entering the financial space may challenge their existing business models or offer alternative solutions that attract customers away from traditional financial institutions.

Sources and methodology

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