NASDAQ$CASH

Meta Financial Group Inc · Q1 2026 earnings

Q1 2026 earnings · · After market close · Investor relations

Briefing

Pathward Financial reported Q1 2026, revenue of $103M, net income of $35.2M, diluted EPS of $1.57.

For Q1 2026, Pathward Financial reported revenue of $103M, net income of $35.2M, diluted EPS was $1.57. Management discusses operating trends, capital allocation, and outlook in the earnings release or periodic filing.

  • Revenue $103M.
  • Net income $35.2M.
  • Diluted EPS $1.57.

Headline financials

Total Revenue

$173M

Previous: $174M-0.2%
EPS (adj)

$1.57

Previous: $1.29+21.7%
Net Interest Margin

7.0%

No prior period
Tax Equivalent Net Interest Margin

7.0%

No prior period
Book Value Per Common Share Outstanding

$38.51

No prior period
Tangible Book Value Per Common Share Outstanding

$24.54

No prior period
Common Shares Outstanding

22.2M

No prior period
Nonperforming Assets To Total Assets

1.5%

No prior period
Nonperforming Loans And Leases To Total Loans And Leases

2.1%

No prior period
Full Time Equivalent Employees

1.2K

No prior period
Total Cost Of Deposits

0.0%

No prior period
Annualized return on average assets

1.9%

No prior period
Return on average tangible equity

26.7%

No prior period
Tier 1 leverage capital ratio

9.5%

No prior period
Common equity Tier 1 capital ratio

12.0%

No prior period
Tier 1 capital ratio

12.3%

No prior period
Total capital ratio

13.7%

No prior period
Capital Expenditures

-$4.24M

Previous: -$2.09M-103.0%
Net Income

$35.2M

Previous: $31.4M+12.0%
Operating Income

$42.7M

Previous: $37.9M+12.5%

Revenue & EPS history

Meta · Revenue · Quarterly

$173M

Q1 2026-0.2%vs Q1 2025
Beat estimate in 6 of 15 quarters(40%)
ActualEstimate

Revenue by segment

Meta · $55.2M total across 5 segments · Q1 2023

  • Card and deposit fees
    $37.7M
  • Rental income
    $12.7M
  • Other income
    $3.56M
  • Refund transfer product fees
    $677K
  • Gain on sale of other
    $502K

Forward guidance

The filing outlines Pathward Financial's outlook, including operating priorities, capital allocation, and key risks, with specific numeric guidance where management provided it.

Tailwinds

  • Pathward Financial cites execution on growth initiatives and balance-sheet flexibility.
  • Management emphasizes capital returns and operational priorities in the filing.

Headwinds

  • Macro, pricing, and competitive pressure may affect margins.
  • One-time items and segment mix can affect quarter-to-quarter comparability.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2026

Historical avgQ1 2026

+1.2%

Avg return

Earnings day

+0.6%

Avg return

5 days after

+3.4%

Avg return

30 days after

55%

36 / 65 earnings

Positive

+20.5%

Q4 2020

Best reaction

-18.5%

Q3 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q2 2026+0.7%-9.6%-16.0%
Q1 2026+7.1%-3.0%-2.7%
Q4 2025-0.0%-2.2%-2.2%
Q2 2025+6.0%+6.9%+3.8%
Q1 2025-0.6%+2.6%+2.7%
Q4 2024-4.0%-3.7%+13.4%
Q3 2024+4.9%+4.1%+3.1%
Q2 2024+4.3%+1.5%+8.9%
Q1 2024+1.1%+3.0%-2.5%
Q4 2023+7.5%+6.7%+16.1%
Q3 2023-5.8%-7.7%-13.8%
Q2 2023+7.9%+10.1%+15.2%
Q1 2023+7.8%+7.3%+12.2%
Q4 2022+6.6%+5.9%+13.2%
Q3 2022-18.5%-20.2%-18.5%
Q2 2022-2.9%-4.4%-7.5%
Q1 2022-1.5%+3.4%-3.9%
Q4 2021-10.7%-6.5%+0.1%
Q3 2021+3.5%+0.3%+2.7%
Q2 2021+10.3%+8.3%+15.7%
Q1 2021+3.5%+3.7%+16.1%
Q4 2020+20.5%+23.2%+45.7%
Q3 2020+5.5%+0.8%+0.9%
Q2 2020-7.7%+1.9%-1.7%
Q1 2020+1.5%+1.5%-11.3%
Q4 2019-9.6%-9.3%-2.0%
Q3 2019+10.9%+8.8%+12.4%
Q2 2019+14.3%+13.1%+20.7%
Q1 2019+9.0%+6.0%+7.0%
Q4 2018+6.5%+5.6%-4.6%
Q3 2018-5.3%-6.7%-11.0%
Q2 2018-8.2%-9.5%+0.8%
Q1 2018+12.7%+5.5%+4.5%
Q4 2017+4.0%+3.5%+10.7%
Q3 2017-0.9%-23.4%-25.4%
Q2 2017-4.4%-6.0%-2.9%
Q1 2017-15.3%-6.3%-14.0%
Q4 2016+5.9%+5.2%+35.8%
Q3 2016+4.0%+3.6%+11.5%
Q2 2016+7.2%
Q1 2016+15.7%
Q4 2015+3.7%
Q3 2015-0.8%
Q2 2015-4.1%
Q1 2015+3.3%
Q4 2014+0.1%
Q3 2014-3.3%
Q2 2014-4.2%
Q1 2014-3.1%
Q4 2013-5.8%
Q3 2013+7.1%
Q2 2013-1.7%
Q1 2013+1.6%
Q4 2012-2.1%
Q3 2012-3.2%
Q2 2012-0.8%
Q1 2011+12.9%
Q1 2012-5.0%
Q2 2011+6.8%
Q4 2009+6.8%
Q4 2011+6.8%
Q3 2010-13.8%
Q4 2010-13.8%
Q3 2011-13.8%
Q2 2010+12.5%

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