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Pathward Financial, Inc. CASH Consumer — Building and software

Other segment segments

Corporate Services/Other
$7.7M+31.1%
Commercial
$2.35M-20.0%

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$14.4M+4.1%
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FITBConsumer and Small Business Banking — Net occupancy expense
$77M+42.6%
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AUBConsumer Banking — Occupancy Net
$8.34M+10.7%
C&F Financial logo
CFFIConsumer Finance — Occupancy Net
$146K-2.7%

Other financials

Income statement

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Revenue$189.6M-3.1%
Net income$29.0M-31.3%
EPS (diluted)$1.37-24.3%

Balance sheet

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Cash & equivalents$149.4M-42.2%
Total debt$223.8M+29.4%
Total equity$850.9M+3.9%
Total assets$7.3B+1.2%

Cash flow

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Operating cash flow$52.0M+71.1%
CapEx$3.4M+26.5%
Free cash flow$48.6M+75.4%

Valuation

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Market cap$1.86B+10.0%
Enterprise value$1.94B+20.5%
P/E10.6×+1.2×
P/S2.3×+0.2×

Profitability

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Net margin21.3%-0.4pp
FCF margin82.8%+49.5pp

Returns & leverage

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Return on equity21.1%-2.0pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Pathward Financial, Inc. in its filing.

Tagged under the XBRL concept us-gaap:OccupancyNet.

The source filing: Pathward Financial, Inc.’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:16 PM EDT
Fiscal quarter
Q3 FY2026
Calendar quarter
Q2 2026
Accession
0000907471-26-000034
(Dollars in thousands) / Three Months Ended June 30,Consumer / 2026Consumer / 2025Commercial / 2026Commercial / 2025Corporate Services/Other / 2026Corporate Services/Other / 2025Total / 2026Total / 2025
Noninterest income48,86049,74826,21422,3021,6571,39276,73173,442
Noninterest expense
Compensation and benefits7,0757,18310,19211,09035,09430,28652,36148,559
Building and software2,9302,4142,4282,3507,6965,86913,05410,633
Operating lease equipment depreciation7,54511,5697,54511,569
Rate related card expenses23,25325,14523,25325,145
Other card expenses7,44011,042(22)107,41811,052
Tax product expenses2,8482,7442,8482,744

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s consumer — building and software?
Pathward Financial, Inc. (CASH) reported consumer — building and software of $2.93M in Q2 2026.
How has Pathward Financial, Inc.'s consumer — building and software changed year-over-year?
Pathward Financial, Inc.'s consumer — building and software increased by 21.4% year-over-year, from $2.41M to $2.93M.
What is the long-term trend for Pathward Financial, Inc.'s consumer — building and software?
Over 2 years (2023 to 2025), Pathward Financial, Inc.'s consumer — building and software has grown at a 8.6% compound annual growth rate (CAGR), from $7.96M to $9.38M.
What does consumer — building and software mean?
This represents the overhead costs associated with physical facilities and technology infrastructure dedicated to the consumer segment. It reflects the operational investment in the digital and physical platforms necessary to deliver consumer banking services.

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