Pathward Financial (NASDAQ:CASH) said its fourth-quarter and fiscal 2026 results reflected growth in commercial finance and payments fee income, while it continues to work through credit issues tied partly to renewable energy projects. Full-year net income reached $175.7 million, or $8.14 per diluted share, with return on average assets at 2.30% and loans and leases up 9%. The nonperforming loans ratio rose modestly to 5.61%, and net charge-offs were $52 million in the quarter, including $20.3 million in commercial finance; management said these remain concentrated in previously disclosed credits. The company expects credit costs to normalize during fiscal 2027 and reiterated EPS guidance of $9.50 to $10, assuming no further rate changes. It also estimated that a 25-basis-point rate increase could add roughly $2 million pretax over a full year.
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