Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout ...
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BPA est. $7.93 · Ingresos $818.35M · 2 analistas
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BPA est. $1.63
| Métrica | Último | InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo. | TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo. |
|---|---|---|---|
| IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores). | $685.2M | +2.4% | -32.4% |
| Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día. | $185.9M | +1.4% | -60.2% |
| Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión. | +90.0% | +2.1% | +3.4% |
| Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas). | +32.6% | -0.4% | -45.4% |
| Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas. | +27.1% | -1.0% | -41.2% |
| Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones. | $236.6M | +33.8% | -59.3% |
| Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero. | +34.5% | +30.6% | -39.8% |
| Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro. | 4.9% | -89.9% | +238.0% |
| Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico. | 0.22x | -34.8% | -96.7% |
| Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo. | $7.2B | -5.0% | +2.8% |
| Métrica | Anual (real vs estimado) | Sorpresa anual | Trimestral (real vs estimado) | Sorpresa trimestral |
|---|---|---|---|---|
| EPS Surprise | 7.87 vs 7.47 | +5.4% | 1.37 vs 1.95 | -29.6% |
| Revenue Surprise | $685.2M vs $829.8M | -17.4% | $190.8M vs $191.2M | -0.2% |
| Fecha | Ejecutivo | Cargo | Valor | Lado | Acciones | Precio |
|---|---|---|---|---|---|---|
| Jun 7, 2026 | Ferri Eric Anthony | officer: EVP, Chief Risk Officer | Common Stock | A | 8,638 | — |
| May 29, 2026 | Hoople Elizabeth G. | director | Common Stock | D | 4,500 | $82.29 |
| Apr 29, 2026 | Hajek Douglas J. | director | Common Stock | D | 5,000 | $86.37 |
| Apr 20, 2026 | Ferri Eric Anthony | officer | — | — | 0 | — |
| Feb 24, 2026 | SHULMAN BECKY S | director | Common Stock | A | 1,650 | — |
Operator : Ladies and gentlemen, thank you for standing by and welcome to Pathward Financial's Third Quarter 2026 Investor Conference Call. [Operator Instructions] As a reminder, this conference call is being recorded. I will now like to turn the conference call over to Darby Schoenfeld, Senior Vice President, Chief of Staff, and Investor Relations. Please go ahead. Darby Schoenfeld : Thank you, operator, and welcome. With me today are Pathward Financial's CEO, Brett Pharr, and CFO, Greg Sigrist, who will discuss our operating and financial results for the third quarter of fiscal '26, after which we will take your questions. Additional information, including the earnings release, the investor presentation that accompanies our prepared remarks, and supplemental slides may be found on our website at pathwardfinancial.com. As a reminder, our comments may include forward-looking statements. Those statements are subject to risks and uncertainties that could cause actual and anticipated results to differ. The company undertakes no obligation to update any forward-looking statements. Please refer to the cautionary language in the earnings release, investor presentation and in the company's filings with the Securities and Exchange Commission, including our most recent filings for additional information covering factors that could cause actual and anticipated results to differ materially from the forward-looking statements. Additionally, today we will be discussing certain non-GAAP financial measures on this call. References to non-GAAP measures are only provided to assist you in understanding the company's results and performance trends, particularly in competitive analysis. In order to make our adjusted net interest margin as comparable as possible, we have excluded the impact of the gross accounting methodology on our consumer finance loans and included contractual rate-related processing expenses associated with deposits on the company's balance sheet. Reconciliations for such non-GAAP measures are included in the earnings release and the appendix of the investor presentation. Finally, all time periods referenced are fiscal quarters and fiscal years, and all comparisons are to the prior-year period, unless noted otherwise. Now, let me turn the call over to Brett Pharr, our CEO. Brett Pharr : Thanks, Darby, and welcome, everyone, to our third quarter 2026 earnings conference call. This evening, before I go through the quarter's highlights, I want to address the outlier of the quarter, credit. We had an increase in provision during the quarter, largely driven by specific reserves on 2 loans and a CECL reserve build. One loan we mentioned during the June quarter earnings call last year, which at that time was shifting to non-performing with a path to work out, and another loan we believe is associated with a sophisticated fraud. You may have also noticed that our non-performing loan ratio increased. This was primarily related to certain renewable …
| Nombre | Cargo | Remuneración | Género | Año de nacimiento | Estado |
|---|---|---|---|---|---|
Brett L. Pharr | Chief Executive Officer & Director | USD 1,865,956 | Male | 1962 | Active |
Anthony Sharett | President | USD 1,280,618 | Male | 1977 | Active |
Gregory A. Sigrist | Executive Vice President & Chief Financial Officer | USD 1,158,618 | Male | 1968 | Active |
Nadia A. Dombrowski | Executive Vice President and Chief Legal & Administrative Officer | USD 1,061,861 | Female | 1962 | Active |
Charles C. Ingram | Executive Vice President, Chief Information & Operations Officer | USD 1,027,489 | Male | 1970 | Active |
Catherine McGlown | Senior Vice President of Communications, Sustainability & Public Policy | — | — | — | Active |
Michael D. Lister | Head of Tax Services Division | — | Male | 1954 | Active |
Darby Schoenfeld | Senior Vice President and Chief of Staff & Investor Relations | — | Female | — | Active |
Jennifer W. Warren | Senior Vice President & Chief Accounting Officer | — | Female | 1984 | Active |
Anajana Bernde SPHR | Executive Vice President and Chief People & Culture Officer | — | Female | 1970 | Active |
Hsbc Holdings PLC purchased a new stake in shares of Pathward Financial, Inc. (NASDAQ: CASH) during the second quarter, according to the company in its most recent 13F filing with the SEC. The institutional investor purchased 8,558 shares of the savings and loans company's stock, valued at approximately $746,000. A number of other
Pathward Financial NASDAQ: CASH has had its share of serious bumps over the past 14 months, including accounting restatements, a Nasdaq listing scare, and concerns about the credit quality of loans. Its fiscal third-quarter earnings report did little to settle things down.
Emerald Investment Advisers LLC acquired a new stake in shares of Pathward Financial, Inc. (NASDAQ: CASH) in the second quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The institutional investor acquired 31,552 shares of the savings and loans company's stock, valued at approximately $2,747,000. Emerald
DALLAS, Aug. 21, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Permian Basin Royalty Trust (NYSE: PBT) ("Permian" or the "Trust") today declared a cash distribution to the holders of its units of beneficial interest of $0.018701 per unit, payable on September 15, 2026, to unit holders of record on August 31, 2026. The distribution does not include proceeds from the Waddell Ranch properties, as total production costs ("Production Costs") exceeded gross proceeds ("Gross Proceeds") for the month of July, resulting in a continuing excess cost position for the Waddell Ranch properties.
DALLAS, Aug. 21, 2026 /PRNewswire/ -- Marine Petroleum Trust (NASDAQ: MARPS) ("Marine") today declared a quarterly cash distribution to the holders of its units of beneficial interest of $0.095378 per unit, payable on September 28, 2026, to unitholders of record on August 31, 2026. Marine's 2025 tax information, cash distribution history, current and prior year financial reports, a link to filings made with the Securities and Exchange Commission and more can be found on its website at http://www.marps-marine.com/.
