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Pathward Financial, Inc. CASH Consumer — Compensation and benefits

Other segment segments

Corporate Services/Other
$35.09M+15.9%
Commercial
$11.78M-21.8%

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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:LaborAndRelatedExpense.

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
Net interest income after provision for (reversal of) credit loss68,28370,06317,51839,870(1,197)3,10284,604113,035
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

Item 1. Financial Statements.

FAQ

What is Pathward Financial, Inc.'s consumer — compensation and benefits?
Pathward Financial, Inc. (CASH) reported consumer — compensation and benefits of $7.08M in Q2 2026.
How has Pathward Financial, Inc.'s consumer — compensation and benefits changed year-over-year?
Pathward Financial, Inc.'s consumer — compensation and benefits decreased by 1.5% year-over-year, from $7.18M to $7.08M.
What is the long-term trend for Pathward Financial, Inc.'s consumer — compensation and benefits?
Over 2 years (2023 to 2025), Pathward Financial, Inc.'s consumer — compensation and benefits has grown at a 9.6% compound annual growth rate (CAGR), from $24.78M to $29.76M.
What does consumer — compensation and benefits mean?
This includes all salary, bonus, and benefit-related costs specifically attributable to personnel supporting the consumer business segment. It provides insight into the human capital investment required to operate and grow consumer-facing financial services.

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