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Pathward Financial ( (CASH) ) has shared an update.
On January 22, 2026, Pathward Financial reported results for its fiscal first quarter ended December 31, 2025, posting net income of $35.2 million, or $1.57 per share, up from $30.0 million, or $1.23 per share, a year earlier, reflecting solid growth in core businesses and disciplined expense control. Total revenue rose to $173.1 million, supported by a $9.2 million increase in commercial finance interest income and higher card and deposit fee income, while new loan originations climbed to $1.89 billion from $1.38 billion, driven by both consumer and commercial finance, including a new consumer contract and partner growth. Despite a 5% decline in net interest income to $119.3 million and a compression in net interest margin to 6.95%, largely tied to the sale of more than half of the held-for-sale consumer finance portfolio and resulting yield changes, Pathward improved profitability metrics, with annualized return on average assets rising to 1.87% and return on average tangible equity to 26.72%. Noninterest income fell 6% to $53.8 million on lower rental and other income and reduced gains on asset sales, while noninterest expenses were essentially flat at $127.2 million, aided by lower card processing and depreciation costs offsetting higher compensation, technology, and professional fees. The company continued to benefit from low funding costs, with overall deposit cost at 0.01% and card-related processing expenses declining in line with lower Effective Federal Funds Rate-linked indices, and it enhanced tax efficiency through $19.7 million in renewable energy lease originations generating $5.2 million in net investment tax credits. Pathward also returned capital to shareholders by repurchasing 651,804 shares at an average price of $72.07, leaving 4,286,012 shares available under its current buyback authorization, underscoring management’s confidence in its strategy and positioning for sustainable growth in fiscal 2026 and beyond.
The most recent analyst rating on (CASH) stock is a Buy with a $83.00 price target. To see the full list of analyst forecasts on Pathward Financial stock, see the CASH Stock Forecast page.
Spark’s Take on CASH Stock
According to Spark, TipRanks’ AI Analyst, CASH is a Outperform.
Pathward Financial’s strong financial performance and positive earnings call sentiment are the primary drivers of its stock score. The technical analysis suggests short-term momentum, while the valuation indicates the stock is attractively priced. Despite some operational challenges, the company’s strategic initiatives and robust financial health position it well for future growth.
To see Spark’s full report on CASH stock, click here.
More about Pathward Financial
Pathward Financial, Inc. is a U.S.-based financial holding company listed on Nasdaq under the ticker CASH, focused on powering financial inclusion through a mix of commercial finance, consumer finance, card and deposit solutions, and tax services. The company generates revenue from interest income on loans and leases, card and deposit fee income, servicing fees on custodial deposits, and renewable energy leasing, and it actively manages its balance sheet and capital structure, including through securities investments and share repurchase programs.
Average Trading Volume: 205,917
Technical Sentiment Signal: Buy
Current Market Cap: $1.64B
For an in-depth examination of CASH stock, go to TipRanks’ Overview page.