Company overview
What does PATHWARD FINANCIAL, INC. do?
PATHWARD FINANCIAL, INC. (CASH) is a U.S. SEC registrant. The Commission classifies the issuer under SIC 6021 (National Commercial Banks).
What does PATHWARD FINANCIAL, INC. do?
PATHWARD FINANCIAL, INC. (CASH) is a U.S. SEC registrant. The Commission classifies the issuer under SIC 6021 (National Commercial Banks).
What industry is PATHWARD FINANCIAL, INC. in?
Financial Services · National Commercial Banks
What was PATHWARD FINANCIAL, INC.'s latest reported revenue?
$189.6M for Q2 2026, from 10-Q filed Aug 6, 2026.
What changed in the latest comparable period?
Revenue declined -3.1% ($195.8M to $189.6M; Q2 2025 vs Q2 2026).
Business model (from the public record)
Belvedere describes the business using the issuer’s SEC classification and the company description extracted from public filings. Segment mix, customer identity, and recurring-versus-transactional revenue are shown only when those facts are identified in the filing extract—not inferred.
Financial Services · National Commercial Banks · United States
Financial profile
- Revenue
- $189.6M 10-Q · Q2 2026 · Filed Aug 6, 2026
- Revenue growth YoY
- -3.1% Belvedere calculation · 10-Q · Q2 2026 · Filed Aug 6, 2026
- Gross margin
- — Not identified in latest matched XBRL period
- Operating margin
- — Not identified in latest matched XBRL period
- Net income
- $29M 10-Q · Q2 2026 · Filed Aug 6, 2026
- Operating cash flow
- — Not identified in latest matched XBRL period
- Capex
- — Not identified in latest matched XBRL period
- Belvedere FCF
- — Not identified in latest matched XBRL period
- FCF margin
- — Not identified in latest matched XBRL period
- Cash
- $149.4M 10-Q · Jun 30, 2026 · Filed Aug 6, 2026
- Debt
- $201M Belvedere calculation · 10-Q · Jun 30, 2026 · Filed Aug 6, 2026
- Net debt
- $51.6M Belvedere calculation · 10-Q · Jun 30, 2026 · Filed Aug 6, 2026
- Shares
- — Not identified in latest matched XBRL period
Balance sheet snapshot
Cash $149.4M. Identified debt $201M. Net debt $51.6M. Missing debt tags are not treated as a zero-debt capital structure.
Financial information is derived from public filings and other identified sources. Belvedere calculations may differ from company-defined non-GAAP measures. See methodology and source notes. Valuation multiples are omitted because a licensed market-data provider is not configured.
Latest filings
| Form | Filed | Period | Accession | Source |
|---|---|---|---|---|
| 8-K | Sep 17, 2026 | Sep 14, 2026 | 0000907471-26-000039 | SEC |
| 8-K | Aug 20, 2026 | Aug 20, 2026 | 0000907471-26-000037 | SEC |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | 0000907471-26-000034 | SEC |
| 8-K | Jul 22, 2026 | Jul 22, 2026 | 0000907471-26-000032 | SEC |
| 8-K | May 21, 2026 | May 21, 2026 | 0000907471-26-000027 | SEC |
| 10-Q | May 7, 2026 | Mar 31, 2026 | 0000907471-26-000025 | SEC |
| 8-K | Apr 22, 2026 | Apr 22, 2026 | 0000907471-26-000023 | SEC |
| 8-K | Feb 26, 2026 | Feb 26, 2026 | 0000907471-26-000019 | SEC |
| 8-K | Feb 25, 2026 | Feb 24, 2026 | 0000907471-26-000016 | SEC |
What changed
Each line is an arithmetic comparison of sourced facts. It is not a thesis.
Research view
Belvedere has not published an initiation or update on PATHWARD FINANCIAL, INC.. Universe inclusion is not a rating, a forecast, or coverage in the sell-side sense.
Research Radar
| Kind | Change | Explanation | Source | Date |
|---|---|---|---|---|
| Revenue | -3.1% | Revenue declined -3.1% ($195.8M to $189.6M; Q2 2025 vs Q2 2026). | 10-Q · Revenues | Aug 6, 2026 |
| Revenue acceleration | -3.7 pp | Quarterly revenue YoY growth moved from +0.5% to -3.1% (-3.7 percentage points). | 10-Q · BelvedereRevenueGrowthYoY | Aug 6, 2026 |
| Cash | $149.4M | Cash and cash equivalents were $149.4M as of the latest reported balance-sheet date. | 10-Q · CashAndCashEquivalentsAtCarryingValue | Aug 6, 2026 |
Rankings
PATHWARD FINANCIAL, INC. does not currently meet the published eligibility rules of a live Belvedere ranking.
Industry context
PATHWARD FINANCIAL, INC. is mapped to Financial Services (National Commercial Banks) from SIC metadata on the SEC submission. Mapping is a classification convenience, not a claim that every peer is economically comparable.
Belvedere Research Profile
This measures researchable information characteristics. It is not investment advice, a credit rating, or a buy/sell/hold recommendation.
Presence of core income-statement, cash-flow and balance-sheet concepts in SEC XBRL.
Comparable-period revenue history and operating-result availability.
Availability of margin, cash-flow and per-share concepts used in screening.
SEC periodic reports, current reports, proxy statement and website identified in submissions.
Distinct filing years in the current archive window plus comparable prior-period revenue.
Risks
Belvedere does not manufacture generic risk language. Material risks are those the issuer discloses in its periodic reports, particularly Item 1A of the latest Form 10-K.
A Form 10-K was not present in the current filing window.
Sources
- Source
- U.S. Securities and Exchange Commission
- Form
- 10-Q
- Period
- Q2 2026
- Filed
- Aug 6, 2026
- Accession
- 0000907471-26-000034
- Concept
- Revenues
- Source
- U.S. Securities and Exchange Commission
- Form
- 10-Q
- Period
- Q2 2026
- Filed
- Aug 6, 2026
- Accession
- 0000907471-26-000034
- Concept
- BelvedereRevenueGrowthYoY
(Revenues 2026-06-30 / Revenues 2025-06-30) - 1
View filing- Source
- U.S. Securities and Exchange Commission
- Form
- 10-Q
- Period
- Jun 30, 2026
- Filed
- Aug 6, 2026
- Accession
- 0000907471-26-000034
- Concept
- CashAndCashEquivalentsAtCarryingValue
Disclosure
Belvedere Research publishes informational analysis. Nothing on this site is investment advice, an offer, or a solicitation to buy or sell any security.
This page is a company intelligence / data profile. It is not a research report unless a dated note is attached above. Rankings appearing here are independent of any issuer compensation.
Frequently asked questions
- What does PATHWARD FINANCIAL, INC. do?
- PATHWARD FINANCIAL, INC. (CASH) is a U.S. SEC registrant. The Commission classifies the issuer under SIC 6021 (National Commercial Banks).
- What industry is PATHWARD FINANCIAL, INC. in?
- PATHWARD FINANCIAL, INC. is classified in Financial Services (National Commercial Banks).
- When did PATHWARD FINANCIAL, INC. last file a periodic report?
- PATHWARD FINANCIAL, INC. last filed a 10-Q on Aug 6, 2026 (accession 0000907471-26-000034).
- What was PATHWARD FINANCIAL, INC.'s latest revenue?
- $189.6M for Q2 2026, sourced from 10-Q filed Aug 6, 2026.
- Does Belvedere cover PATHWARD FINANCIAL, INC.?
- PATHWARD FINANCIAL, INC. is in the Belvedere universe. Presence in the universe is not the same as active initiation coverage.