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Sep 30
Meta Q4 2025 Earnings Report
Pathward Financial delivered solid Q4 results, with growth in net income and earnings per share driven by strong noninterest income and margin expansion.
Key Takeaways
Pathward Financial reported strong fourth-quarter results with notable growth in EPS and net income, supported by solid loan growth in commercial and warehouse finance segments, improved net interest margin, and disciplined expense control.
Net income rose to $38.8 million, compared to $33.5 million in Q4 2024.
EPS increased to $1.69 per diluted share from $1.34 a year ago.
Total revenue grew to $186.7 million, driven by a 13% increase in noninterest income.
Net interest margin expanded to 7.46% due to an improved asset mix.
Meta
Meta
Meta Revenue by Segment
Revenue by Segment
Commercial Finance Revenue
CapyFin.comConsumer Finance Revenue
CapyFin.comTax Services Revenue
CapyFin.comWarehouse Finance Revenue
CapyFin.com Forward Guidance
Pathward remains confident in its business strategy going into FY 2026, with a continued focus on growth in commercial finance, cost optimization, and leveraging partnerships, though macroeconomic and regulatory risks remain.
Positive Outlook
- Strong capital position and well-capitalized regulatory standing.
- Growth in commercial and warehouse finance portfolios.
- Improved net interest margin and adjusted deposit cost discipline.
- Strategic divestitures completed to streamline business focus.
- Ongoing investment in data analytics and technology for operational improvement.
Challenges Ahead
- Increased nonperforming loans, especially in commercial finance.
- Continued decrease in consumer finance and tax services portfolios.
- Regulatory and compliance cost pressures remain a risk.
- Rising legal and consulting expenses in the quarter.
- Macroeconomic uncertainty including rate shifts and geopolitical risks.