| Income Statement | 2025-09-30 | 2024-09-30 | ||
|---|---|---|---|---|
| Loans and leases, including fees | 455,816 | 438,583 | ||
| Mortgage-backed securities | 34,052 | 39,402 | ||
| Other investments | 33,524 | 41,073 | ||
| Total interest and dividend income | 523,392 | 519,058 | ||
| Deposits | 5,430 | 13,019 | ||
| Fhlb advances and other borrowings | 6,168 | 8,214 | ||
| Total interest expense | 11,598 | 21,233 | ||
| Net interest income | 511,794 | 497,825 | ||
| Provision for credit loss | 56,774 | 58,101 | ||
| Net interest income after provision for credit loss | 455,020 | 439,724 | ||
| Noninterest income-Refund Transfer Product Fees | - | 40,178 | ||
| Noninterest income-Refund Transfer Fees | 43,980 | - | ||
| Noninterest income-Refund Advance Fee Income | 48,705 | 43,473 | ||
| Noninterest income-Payment Card And Deposit Fees | 124,971 | 125,943 | ||
| Noninterest income-Rental Income | 51,686 | 54,157 | ||
| (loss) on sale of securities | -25,084 | - | ||
| Gain on divestitures | 15,044 | - | ||
| Gain on sale of trademarks | 0 | 0 | ||
| Secondary market revenue | 37,022 | - | ||
| Gain on sale of other | 5,151 | 12,669 | ||
| Other income | 26,625 | 23,167 | ||
| Total noninterest income | 328,100 | 299,587 | ||
| Compensation and benefits | 200,495 | 201,472 | ||
| Refund transfer product expense | 11,534 | 9,862 | ||
| Refund advance expense | 1,241 | 1,943 | ||
| Card processing | 138,443 | 137,938 | ||
| Building and software | 42,094 | 36,587 | ||
| Operating lease equipment depreciation | 45,636 | 41,757 | ||
| Legal and consulting | 36,469 | 24,857 | ||
| Intangible amortization | 3,456 | 4,131 | ||
| Impairment expense | 5,915 | 3,012 | ||
| Other expense | 74,784 | 59,132 | ||
| Total noninterest expense | 560,067 | 520,691 | ||
| Income before income tax expense | 223,053 | 218,620 | ||
| Income tax expense | 36,266 | 34,108 | ||
| Net income before noncontrolling interest | 186,787 | 184,512 | ||
| Net income attributable to noncontrolling interest | 915 | 1,293 | ||
| Net income attributable to parent | 185,872 | 183,219 | ||
| Basic (in dollars per share) | 7.91 | 7.21 | ||
| Diluted (in dollars per share) | 7.87 | 7.2 | ||
| Total weighted average common shares outstanding (in shares) | 23,397,489 | 25,169,937 | ||
| Total weighted average diluted common shares outstanding (in shares) | 23,522,629 | 25,201,750 | ||
PATHWARD FINANCIAL, INC. (CASH)
PATHWARD FINANCIAL, INC. (CASH)