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Pathward ( CASH ) Q4 2026 Earnings Call Transcript

Pathward (CASH) reported fourth-quarter net income of $38.6 million and diluted EPS of $1.85, with full-year fiscal 2026 diluted EPS at $8.14. Management credited the results to balance sheet optimization and growth in commercial finance, with loan originations rising to $2.2 billion, mainly from credit sponsorship. The nonperforming loans and leases ratio rose to 5.61% due to certain renewable energy construction projects, and net charge-offs totaled $52 million in the quarter. The company guided fiscal 2027 EPS to $9.50 to $10.00 and extended its contract with H&R Block through mid-2030.

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