PATHWARD FINANCIAL, INC. (CASH)

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PATHWARD FINANCIAL, INC.

CASH • CIK 0000907471

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest Income (Expense), Net	$387,861	$455,118	$511,794	$485,327
Financing Receivable, Credit Loss, Expense (Reversal)	$57,354	$42,661	$56,774	$70,724
Interest Income (Expense), after Provision for Loan Loss	$330,507	$412,457	$455,020	$414,603
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$182,131	$198,791	$223,053	$210,472
Income Tax Expense (Benefit)	$16,324	$29,141	$36,266	$33,726
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$165,807	$169,650	$186,787	$176,746
Net Income (Loss) Attributable to Noncontrolling Interest	$2,192	$1,293	$915	$898
Net Income (Loss) Attributable to Parent	$163,615	$168,357	$185,872	$175,848
Interest and Fee Income, Loans and Leases	$323,602	$395,876	$455,816	$439,339
Interest Income, Securities, Mortgage Backed	$41,197	$39,402	$34,052	$30,947
Other Interest and Dividend Income	$33,936	$41,073	$33,524	$25,285
Interest and Dividend Income, Operating	$398,735	$476,351	$523,392	$495,571
Interest Expense, Deposits	$4,356	$13,019	$5,430	$4,903
Interest Expense, Federal Home Loan Bank and Federal Reserve Bank Advances, Long-term	$6,518	$8,214	$6,168	$5,341
InterestExpenseOperating	—	$21,233	$11,598	$10,244
Debt Securities, Available-for-sale, Gain (Loss)	$91	—	$-25,084	$-2,185
Gain (Loss) on Disposition of Business	—	—	$15,044	$0
Gain (Loss) on Disposition of Intangible Assets	$10,000	$0	$0	$0
Gains (Losses) on Sales of Other Real Estate	$2,572	$12,669	$5,151	$4,464
Noninterest Income, Other	—	$23,167	$26,625	$27,241
Noninterest Income	$316,599	$299,587	$328,100	$340,430
Labor and Related Expense	$184,318	$201,472	$200,495	$210,370
Occupancy, Net	$34,691	$36,587	$42,094	$49,283
Operating Leases, Income Statement, Depreciation Expense on Property Subject to or Held-for-lease	$45,710	$41,757	$45,636	$37,476
Legal Fees	$27,102	$24,857	$36,469	$31,279
Amortization of Intangible Assets	$4,971	$4,131	$3,456	$3,170
Asset Impairment Charges	$3,273	$3,012	$5,915	$3,502
Other Noninterest Expense	$47,826	$51,694	$74,784	$68,511
Noninterest Expense	$464,975	$513,253	$560,067	$544,561

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Cash Equivalents, at Carrying Value	$375,580	$158,337	$120,568	$149,412
DebtSecuritiesHeldToMaturityExcludingAccruedInterestBeforeAllowanceForCreditLoss	$36,591	$33,092	$29,308	$27,101
Other Assets	$292,327	$260,070	$329,879	$251,227
Assets	$7,535,543	$7,549,336	$7,172,344	$7,314,373
Long-term Debt	$33,873	$33,354	$33,456	$33,533
Accrued Liabilities	$248,863	$424,292	$385,487	$311,885
Liabilities	$6,884,918	$6,709,731	$6,314,890	$6,463,227
Additional Paid in Capital	$628,500	$638,803	$648,330	$657,682
Retained Earnings (Accumulated Deficit)	$278,655	$354,474	$359,830	$339,252
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-255,443	$-153,394	$-145,461	$-142,706
Treasury Stock, Common, Value	$344	$249	$4,882	$3,537
Stockholders' Equity Attributable to Parent	$651,630	$839,882	$858,045	$850,901
Stockholders' Equity Attributable to Noncontrolling Interest	$-1,005	$-277	$-591	$245
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$650,625	$839,605	$857,454	$851,146
Debt Securities, Held-to-maturity, Fair Value	$31,425	$30,236	$25,653	$23,273

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$165,807	$169,650	$186,787	$176,746
Net Cash Provided by (Used in) Operating Activities	$303,111	$453,537	$450,619	$696,867
Effect of Exchange Rate on Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$331	$81	$-1,205	$-3,260
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect	$-12,458	$-217,243	$-37,769	$-108,931
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$375,580	$158,337	$120,568	$-145,611
Depreciation, Amortization and Accretion, Net	$64,955	$57,765	$59,725	$51,212
Payments to Acquire Debt Securities, Available-for-sale	$156,885	$3,465	$2,280	$0
Financing Receivable, Credit Loss, Expense (Reversal)	$57,354	$42,661	$56,774	$70,724
Proceeds from Sale of Debt Securities, Available-for-sale	$0	$0	$239,322	$21,439
Increase (Decrease) in Deferred Income Taxes	$175	$-11,115	$-16,799	$-5,688
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale	$177,296	$201,730	$163,805	$150,780
Proceeds from Maturities, Prepayments and Calls of Held-to-maturity Securities	$4,835	$3,317	$3,594	$3,010
Proceeds from Sale of Mortgage Loans Held-for-sale	$1,139,881	$2,036,084	$2,767,616	$3,665,972
Gain (Loss) on Sales of Loans, Net	$268	$5,920	$37,022	$31,822
Payments to Acquire Loans Receivable	$215,266	$298,262	$226,228	$152,080
Debt Securities, Available-for-sale, Realized Gain (Loss)	$0	$0	$-25,084	$-2,185
Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal	—	—	$15,044	$0
Payments to Acquire Property, Plant, and Equipment	$8,623	$10,141	$11,678	$13,260
Gain (Loss) on Disposition of Property Plant Equipment	$-65	$0	$0	$0
Payments to Acquire Equipment on Lease	$441,047	$266,613	$202,347	$204,469
Gain (Loss) on Disposition of Intangible Assets	$10,000	$0	$0	$0
Gain (Loss) on Disposition of Other Assets	$91	$6,749	$5,151	$4,464
Life Insurance, Corporate or Bank Owned, Change in Value	$1,497	$2,751	$2,859	$2,859
Proceeds from Sale of Foreclosed Assets	$1	$0	$0	$0
Impairment of Long-Lived Assets Held-for-use	—	$2,013	$2,915	$325
Proceeds from Life Insurance Policy	$1,040	$0	$0	$45,050
Increase (Decrease) in Accrued Interest Receivable, Net	$5,303	$8,103	$7,135	$-3,030
Proceeds from Divestiture of Businesses	—	—	$608,455	$0
Increase (Decrease) in Other Operating Assets	$-17,134	$11,747	$79,568	$21,013
Increase (Decrease) in Accrued Liabilities and Other Operating Liabilities	$48,658	$176,083	$-33,642	$57,299
Proceeds from Sale of Other Assets, Investing Activities	$0	$6,465	$471	$63
Share-based Payment Arrangement, Noncash Expense	$11,070	$10,286	$9,507	$11,617
Net Cash Provided by (Used in) Investing Activities	$-920,758	$-227,661	$25,843	$-628,858
Increase (Decrease) in Other Deposits	$723,145	$-714,097	$23,936	$-54,936
Repayments of Other Debt	$1,747	$621	$0	$0
Payments of Debt Issuance Costs	$511	$0	$0	$0
Payments of Ordinary Dividends, Common Stock	$5,426	$5,067	$4,686	$4,405
Proceeds from Issuance of Common Stock	$1	$3	$0	$1
Payment, Tax Withholding, Share-based Payment Arrangement	$120,437	$86,853	$163,047	$167,044
Proceeds from (Payments to) Noncontrolling Interests	—	$-565	$-1,229	$203
Net Cash Provided by (Used in) Financing Activities	$604,858	$-443,200	$-513,026	$-173,680
Interest Paid, Excluding Capitalized Interest, Operating Activities	$10,819	$20,909	$11,981	$10,274
Income Taxes Paid, Net	$14,056	$19,633	$18,384	$26,510
Transfer of Loans Held-for-sale to Portfolio Loans	$158	$30,864	$0	$-27,067
Transfer of Portfolio Loans and Leases to Held-for-sale	$13,421	$594,359	$462,190	$420,402
Right-of-Use Asset Obtained in Exchange for Operating Lease Liability	$0	$654	$2,515	$3,435
Net Income (Loss) Attributable to Parent	$163,615	$168,357	$185,872	$175,848
Proceeds from Issuance of Long-term Debt	$0	$0	—	$0

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Import this data to Google Sheets with:

=jivedata("CASH","financials")

Full statements spill as a table. For one cell: =jivedata("CASH","Revenue") or =jivedata("CASH","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.