财务表现 - Pathward Financial (CASH) 2024年第一季度营收为2.4725亿美元，同比增长8.2% [1] - 每股收益为2.56美元，较去年同期的2.18美元有所增长 [1] - 公司的营收和每股收益均超过了华尔街预期，营收超出了Zacks Consensus Estimate 2.81%，每股收益超出了8.02% [2] 关键指标 - 投资者通常关注公司的净利润率、平均未偿余额、总非利息收入等关键指标，以更好地了解公司的绩效表现 [3] - Pathward在最近报告的季度中，净利润率为6.2%，略低于两位分析师平均预期的6.3% [5] - 总利息收入为1.183亿美元，略高于两位分析师平均预期的1.1476亿美元 [7]

财务表现 - Pathward Financial (CASH)第一季度每股收益为$2.56，超过了Zacks Consensus Estimate的$2.37，同比去年同期的$2.18有所增长[1] - 公司在过去四个季度中，三次超过了市场预期的每股收益[2] - Pathward第一季度营收为$247.25百万美元，超过了Zacks Consensus Estimate的2.81%，较去年同期的$228.44百万美元有所增长[3] 股价走势 - 公司股价的短期走势将主要取决于管理层在财报电话会议中的评论[4]

Financial Highlights for the 2024 Fiscal Second Quarter • Net interest margin ("NIM") increased 11 basis points to 6.23% for the second quarter from 6.12% during the same period last year, primarily driven by increased yields on earning assets and an improved earning asset mix from the continued optimization of the portfolio. When including contractual, rate-related processing expense, NIM would have been 4.65% in the fiscal 2024 second quarter compared to 4.89% during the fiscal 2023 second quarter due to ...

Guido Mieth/DigitalVision via Getty Images Every so often, it makes sense to revisit the companies that we are bullish or bearish on. It's good to see how things are going and to see whether or not the picture has changed. Sometimes, new information will present itself that makes us change our opinion. Other times, we will be able to reaffirm our own thoughts on the matter. Regardless of how our opinions change, the stock price almost certainly will. Ideally, it will be moving in the direction that we w ...

SIOUX FALLS, S.D.--(BUSINESS WIRE)--Pathward®, N.A., one of the nation’s leading financial empowerment companies driven by its purpose to power financial inclusion, today announced that its Senior Vice President of Risk, Process and Performance for its Banking as a Service business line, Nichole Price, has been named to American Banker's 2024 list of The Most Influential Women in Payments. The award celebrates senior executives guiding the future of the global payments industry, while also examining topics ...

SIOUX FALLS, S.D.--(BUSINESS WIRE)--Pathward Financial, Inc. ("Pathward Financial" or the “Company”) (Nasdaq: CASH) announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2024. This dividend will be payable on April 1, 2024 to shareholders of record as of March 12, 2024. At December 31, 2023, the Company had total assets of $7.93 billion and shareholders’ equity of $729.3 million. This press release and other important information about the Company are avai ...

SIOUX FALLS, S.D.--(BUSINESS WIRE)--Pathward Financial, Inc. (Nasdaq: CASH) and its subsidiary Pathward®, N.A., an industry leading financial empowerment company driven by its purpose to power financial inclusion, today announced that Neeraj Mehta has been appointed as an independent member of the Board of Directors, effective Feb. 27, 2024. Mehta will serve as a member of the Audit Committee and Governance, Nominating and Sustainability Committee of the Pathward Financial, Inc. and Pathward, N.A. boards. ...

小型企业现金流问题 - Pathward®发布了“小型企业信用习惯和需求”报告，发现三分之一的小型企业在经济变化中面临现金流问题，但70%认为自己处于增长模式[1] - 调查显示，77%的小型企业表示仅有足够的现金维持运营，56%预计在未来一年需要融资[2] - 小型企业面临现金流挑战的影响：81%的小型企业经历了现金流问题的后果，其中四分之一不得不推迟计划的扩张，25%无法利用机会，22%减少了人员[5]

财务表现 - 2024财年第一季度总收入为1.628亿美元，较2023财年同期增长9%[108] - 净利差（NIM）较去年同期增加61个基点至6.23%[109] - 公司2024财年第一季度净利润为2770万美元，每股摊薄收益为1.06美元，较去年同期略有增长[133] - 公司2024财年第一季度净利息收入为1.1亿美元，较去年同期增长31%[134] - 公司2024财年第一季度净利息差率（NIM）从去年同期的5.62%增至6.23%[136] - 公司2024财年第一季度所有存款和借款的资金成本平均为0.35%[137] - 公司2024财年第一季度信用损失准备为990万美元[138] - 公司2024财年第一季度非利息收入下降20%[139] - 公司2024财年第一季度非利息支出增加14%[141] - 公司2024财年第一季度所得税费用为570万美元[143] 资产情况 - 2023年12月末总贷款和租赁额增加9.166亿美元至44.3亿美元[110] - 截至2023年12月31日，公司总资产增至79.3亿美元[112] - 截至2023年12月31日，公司现金及现金等价物为6.716亿美元[113] - 公司投资组合总额在2023年12月31日增加4520万美元至18.9亿美元[114] - 截至2023年12月31日，公司总贷款和租赁额为44.3亿美元[118] - 2023年12月末总存款增至69.4亿美元[120] 风险管理 - 公司在2023年12月31日对贷款和租赁进行了分类，其中将197.7百万美元列为次级，10.1百万美元列为可疑[154] - 公司在2023年12月31日的ACL总额为5380万美元[157] - 公司在2023年12月31日的ACL占总贷款和租赁的比例为1.22%[157] 资本情况 - 公司在2023年12月31日的总可用流动性超过38亿美元[160] - 公司和银行在2023年12月31日超过了联邦监管最低资本要求，被归类为资本充足的[162] - 公司认为在当前和未来持续盈利的情况下，并且继续获得资本市场的支持，公司和银行将继续满足资本保护缓冲区的要求[166] 利率风险管理 - 公司积极管理利率风险，通过IRR分析比较收入和经济估值模拟[174] - 公司使用EAR分析和EVE分析两种方法来模拟利率风险[176] - 在2023年12月31日的EAR分析中，总利率敏感收入和支出随着利率变化的不同而变化[177] - EVE分析显示，在2023年12月31日，由于大量的非利息负债资金，公司的资产净值预计将受益于上升的利率[179]

Pathward Financial (CASH) reported $162.8 million in revenue for the quarter ended December 2023, representing a year-over-year increase of 8.7%. EPS of $1.06 for the same period compares to $0.81 a year ago.The reported revenue represents a surprise of -1.59% over the Zacks Consensus Estimate of $165.42 million. With the consensus EPS estimate being $1.23, the EPS surprise was -13.82%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations t ...