| Cash Flow | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Net income before noncontrolling interest | 186,787 | 184,512 |
| Depreciation and amortization | 59,725 | 57,765 |
| Provision for credit loss | 56,774 | 58,101 |
| Provision for (reversal of) deferred taxes | -16,799 | -16,166 |
| Originations of loans held for sale | 2,497,787 | 2,034,977 |
| Proceeds from sales of loans held for sale | 2,767,616 | 2,036,084 |
| Net change in loans held for sale | -3,620 | -18,127 |
| Fair value adjustment of foreclosed real estate | - | 0 |
| Net realized (gain) on loans held for sale | 37,022 | 5,920 |
| Net realized loss (gain) on securities available for sale | -25,084 | 0 |
| Net realized (gain) on divestitures | 15,044 | - |
| Net realized loss on premise, furniture, and equipment | 0 | 0 |
| Net realized (gain) on trademarks | 0 | 0 |
| Net realized (gain) on other | 5,151 | 6,749 |
| Change in bank-owned life insurance value | 2,859 | 2,751 |
| Impairment on rental equipment | 2,915 | 2,013 |
| Impairment of intangibles | - | 0 |
| Net change in accrued interest receivable | 7,135 | 8,103 |
| Net change in other assets | 79,568 | 11,793 |
| Net change in accrued expenses and other liabilities | -33,642 | 176,044 |
| Stock compensation | 9,507 | 10,286 |
| Net cash provided by operating activities | 450,619 | 488,805 |
| Purchases of securities available for sale | 2,280 | 3,465 |
| Proceeds from sales of securities available for sale | 239,322 | 0 |
| Proceeds from maturities of and principal collected on securities available for sale | 163,805 | 201,730 |
| Proceeds from maturities of and principal collected on securities held to maturity | 3,594 | 3,317 |
| Purchases of federal reserve bank and federal home loan bank stock | 291,860 | 406,390 |
| Redemption of federal reserve bank and federal home loan bank stock | 303,167 | 398,587 |
| Purchases of loans and leases | 226,228 | 298,262 |
| Proceeds from sales of loans and leases | - | 0 |
| Net change in loans and leases | 733,046 | -102,272 |
| Purchases of premises, furniture, and equipment | 11,678 | 10,141 |
| Proceeds from sales of premises, furniture, and equipment | - | 0 |
| Purchases of rental equipment | 202,347 | 266,613 |
| Proceeds from sales of rental equipment | 27,569 | 9,006 |
| Net change in rental equipment | -741 | -565 |
| Proceeds from sales of foreclosed real estate and repossessed assets | 0 | 0 |
| Proceeds from death benefit of bank-owned life insurance | 0 | 0 |
| Proceeds from divestitures, net of transaction costs | 608,455 | - |
| Proceeds from sale of trademarks | 0 | 0 |
| Proceeds from sale of other assets | 471 | 6,465 |
| Proceeds from loans held for sale previously classified as portfolio loans | 146,158 | - |
| Net cash provided by (used in) investing activities | 25,843 | -262,929 |
| Net change in deposits | 23,936 | -714,097 |
| Net change in short-term borrowings | 368,000 | -364,000 |
| Redemption of long-term borrowings | - | 0 |
| Proceeds from long-term borrowings | - | 0 |
| Principal payments on capital lease obligations | - | 0 |
| Principal payments on other liabilities | 0 | 621 |
| Payment of debt issuance costs | 0 | 0 |
| Dividends paid on common stock | 4,686 | 5,067 |
| Issuance of common stock due to restricted stock | 0 | 3 |
| Issuance of common stock due to esop | - | 0 |
| Repurchases of common stock | 163,047 | 86,853 |
| Investment by (distributions to) noncontrolling interest | -1,229 | -565 |
| Net cash provided by (used in) financing activities | -513,026 | -443,200 |
| Effect of exchange rate changes on cash | -1,205 | 81 |
| Net change in cash and cash equivalents | -37,769 | -217,243 |
| Cash and cash equivalents at beginning of period | 158,337 | - |
| Cash and cash equivalents at end of period | 120,568 | - |
PATHWARD FINANCIAL, INC. (CASH)
PATHWARD FINANCIAL, INC. (CASH)