Pathward Financial, Inc. is classed by the SEC under National Commercial Banks (industry code 6021), based in Sioux Falls, SD. In its latest annual figures on file, for the fiscal year ended 2025-09-30, it reported revenue of $840 million and a profit of $185 million (its filed statements).
Lending businessNational Commercial BanksSioux Falls, SDfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.9 out of ten, 9 of 9 metrics filed: past 3.0 out of ten, present 7.1 out of ten, future 4.7 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 0.1 out of ten. 7 warning events since 2017; the latest 2025-12-30. 1st percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.5 out of ten. +23% a year over 10 filed years; profitable in 10 of 10. 55th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 5.4 out of ten. Share count shrank 7.0% a year. 1% of cash flow returned. Insiders: 9 sales, 0 purchases. 54th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 8.9 out of ten. ROE 22%: 22¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar. 89th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 5.9 out of ten. top 41% of 79 in its family; net margin 35.5%. 59th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 5.4 out of ten. top 46% of 74 in its family for leadership; chief executive since 2021. 54th percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 6.6 out of ten. top 34% of 71 in its family for room to expand. 66th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 3.2 out of ten. bottom 32% of 79 in its family for growth drivers. 32nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.2 out of ten. bottom 42% of 76 in its family for expectations against reality. 42nd percentile among 76 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2025-11-25 for the period ended 2025-09-30 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-22 (on EDGAR). Newest filing: Form 8-K, 2026-09-17. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Pharr, Brett L. (Chief Executive Officer); Sharett, Anthony M. (President); Sigrist, Greg (Chief Financial Officer); Ferri, Eric Anthony (EVP, Chief Risk Officer); Berde, Anjana Thatte (Chief People & Culture Officer); Dombrowski, Nadia (Chief Legal and Admin Officer); Ingram, Charles C. (EVP, Chief Info & Ops Officer); Warren, Jennifer W. (SVP, Chief Accounting Officer); Hajek, Douglas J. (director); Hoople, Elizabeth G. (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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