CASHNasdaqNational Commercial BanksFiscal year ends September 30
PATHWARD FINANCIAL, INC.
Financials through Q3 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$72.24−0.69 (-0.95%)
Close on Oct 19, 2026
- Market cap
- $1.53B
- P/E (TTM)
- 9.1
- Dividend yield
- 0.28%
Ownership
Institutional holdings as of Jun 30, 2026, from 13F filings
Held by institutions
99.6%
21M of 21M shares
Institutional holders
282
36 new, 24 sold out
Net institutional buying
0M
In Q2 2026
Insider trades, 12 months
0 buys · 9 sales
Net sold $4.24M
Shares held by institutions
Holders of more than 5%
Latest Schedule 13D (active) or 13G (passive) filed by each holder
| Holder | Shares | % of class | Filing | As of |
|---|---|---|---|---|
| BlackRock, Inc. | 3,790,034 | – | 13G (passive) amendment | Dec 31, 2023 |
| Abigail P. Johnson | 2,014,887 | 8.07% | 13G (passive) amendment | Nov 12, 2024 |
| State Street Corporation | 1,438,880 | 6.80% | 13G (passive) | Jun 30, 2026 |
| Stowers Institute for Medical Research | 1,188,365 | 5.30% | 13G (passive) | Dec 31, 2025 |
| Dimensional Fund Advisors LP | 1,093,338 | 5.00% | 13G (passive) | Mar 31, 2026 |
Top institutional holders
13F holdings as of Jun 30, 2026
| Holder | Shares | % of CASH | Value | Change | % of portfolio |
|---|---|---|---|---|---|
| BlackRock, Inc. | 3,104,464 | 14.94% | $270.27M | −55,195 | 0.00% |
| FMR LLC | 1,803,772 | 8.68% | $157.04M | −152,743 | 0.01% |
| State Street Corp | 1,438,880 | 6.93% | $125.34M | +110,092 | 0.00% |
| American Century Companies Inc | 1,269,975 | 6.11% | $110.56M | +131,514 | 0.05% |
| Dimensional Fund Advisors LP | 1,064,854 | 5.13% | $92.71M | −28,484 | 0.02% |
| Geode Capital Management, LLC | 733,095 | 3.53% | $63.83M | +33,350 | 0.00% |
| Vanguard Capital Management LLC | 729,199 | 3.51% | $63.48M | −20,965 | 0.00% |
| Earnest Partners LLC | 568,923 | 2.74% | $49.53M | −4,589 | 0.18% |
| Vanguard Portfolio Management LLC | 443,000 | 2.13% | $38.57M | +6,556 | 0.00% |
| Neumeier Poma Investment Counsel LLC | 351,870 | 1.69% | $30.63M | −4,330 | 2.10% |
| Allspring Global Investments Holdings, LLC | 339,293 | 1.63% | $30.43M | +106,463 | 0.05% |
| Qube Research & Technologies Ltd | 297,329 | 1.43% | $25.89M | +242,120 | 0.02% |
| JPMorgan Chase & Co | 285,040 | 1.37% | $24.72M | +10,080 | 0.00% |
| Bank Of America Corp /De/ | 279,600 | 1.35% | $24.34M | −22,903 | 0.00% |
| Mawer Investment Management Ltd. | 271,655 | 1.31% | $23.65M | +3,112 | 0.16% |
| Charles Schwab Investment Management Inc | 268,911 | 1.29% | $23.41M | +1,474 | 0.00% |
| New York State Common Retirement Fund | 264,013 | 1.27% | $22.98M | +100 | 0.03% |
| D. E. Shaw & Co., Inc. | 256,026 | 1.23% | $22.29M | +123,619 | 0.01% |
| Morgan Stanley | 245,918 | 1.18% | $21.41M | +7,964 | 0.00% |
| Northern Trust Corp | 236,711 | 1.14% | $20.61M | −20,424 | 0.00% |
Institutional buying and selling by quarter
Positions opened, added to, reduced and closed by 13F filers
| Quarter | Holders | Shares held | % of shares | New / added | Reduced / closed | Shares bought | Shares sold |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 282 | 21M | 99.6% | 36 / 110 | 95 / 24 | 2M | 2M |
| Q1 2026 | 275 | 21M | 99.5% | 49 / 88 | 101 / 30 | 4M | 2M |
| Q4 2025 | 262 | 20M | 97.1% | 38 / 71 | 113 / 37 | 2M | 3M |
| Q3 2025 | 264 | 21M | 100.0% | 30 / 90 | 102 / 37 | 2M | 2M |
| Q2 2025 | 272 | 21M | 100.0% | 48 / 86 | 101 / 22 | 1M | 2M |
| Q1 2025 | 251 | 22M | 100.0% | 35 / 71 | 103 / 27 | 2M | 3M |
| Q4 2024 | 245 | 23M | 100.0% | 32 / 68 | 94 / 38 | 3M | 2M |
| Q3 2024 | 252 | 23M | 100.0% | 44 / 81 | 96 / 17 | 6M | 2M |
| Q2 2024 | 228 | 23M | 100.0% | 33 / 76 | 86 / 31 | 2M | 2M |
| Q1 2024 | 229 | 24M | 100.0% | 33 / 61 | 99 / 20 | 2M | 3M |
| Q4 2023 | 218 | 25M | 100.0% | 31 / 79 | 74 / 16 | 4M | 2M |
| Q3 2023 | 205 | 23M | 100.0% | 28 / 61 | 87 / 14 | 2M | 2M |
Top mutual fund and ETF holders
Latest monthly portfolio reports (Form N-PORT)
| Fund | Shares | % of CASH | Value | % of fund | As of |
|---|---|---|---|---|---|
| iShares Core S&P Small-Cap ETF | 1,269,748 | 6.11% | $110.54M | 0.10% | Jun 30, 2026 |
| Fidelity Stock Selector Small Cap Fund | 677,200 | 3.26% | $59.76M | 0.81% | Jul 31, 2026 |
| Avantis U.S. Small Cap Value ETF | 642,526 | 3.09% | $52.84M | 0.20% | May 31, 2026 |
| iShares Russell 2000 ETF | 552,416 | 2.66% | $48.09M | 0.06% | Jun 30, 2026 |
| Fidelity Series Small Cap Opportunities Fund | 515,100 | 2.48% | $45.45M | 0.96% | Jul 31, 2026 |
| Vanguard Total Stock Market Index Fund | 471,958 | 2.27% | $41.09M | 0.00% | Jun 30, 2026 |
| State Street(R) SPDR(R) S&P(R) Regional Banking ETF | 356,142 | 1.71% | $31.01M | 0.65% | Jun 30, 2026 |
| Small Cap Value Fund | 250,000 | 1.20% | $21.77M | 0.72% | Jun 30, 2026 |
| Vanguard Extended Market Index Fund | 242,382 | 1.17% | $21.10M | 0.02% | Jun 30, 2026 |
| Fidelity Small Cap Index Fund | 235,078 | 1.13% | $20.74M | 0.06% | Jul 31, 2026 |
| U.S. Micro Cap Portfolio | 206,620 | 0.99% | $18.23M | 0.23% | Jul 31, 2026 |
| State Street(R) SPDR(R) Portfolio S&P 600(TM) Small Cap ETF | 194,027 | 0.93% | $16.89M | 0.10% | Jun 30, 2026 |
| iShares S&P Small-Cap 600 Growth ETF | 186,489 | 0.90% | $16.24M | 0.20% | Jun 30, 2026 |
| State Street(R) SPDR(R) S&P(R) Bank ETF | 169,262 | 0.81% | $14.74M | 1.00% | Jun 30, 2026 |
| Opus Small Cap Value ETF | 153,357 | 0.74% | $13.53M | 1.92% | Jul 31, 2026 |
Officers, directors and major owners
People who filed Forms 3, 4 or 5 in the last two years
| Name | Role | Shares owned | % of shares | Latest filing |
|---|---|---|---|---|
| Brett L. Pharr | Chief Executive Officer, Director | 78,875 | 0.38% | Feb 24, 2026 |
| Eric Anthony Ferri | EVP, Chief Risk Officer | 8,638 | 0.04% | Jun 8, 2026 |
| Anthony M. Sharett | President | 35,316 | 0.17% | Dec 17, 2025 |
| Greg Sigrist | Chief Financial Officer | 17,776 | 0.09% | Dec 9, 2025 |
| Charles C. Ingram | EVP, Chief Info & Ops Officer | 31,298 | 0.15% | Dec 9, 2025 |
| Jennifer W. Warren | SVP, Chief Accounting Officer | 8,034 | 0.04% | Dec 9, 2025 |
| Nadia Dombrowski | Chief Legal and Admin Officer | 11,556 | 0.06% | Dec 9, 2025 |
| Anjana Thatte Berde | Chief People & Culture Officer | 2,458 | 0.01% | Dec 9, 2025 |
| Christopher Perretta | Director | 8,750 | 0.04% | Sep 8, 2026 |
| Lizabeth H. Zlatkus | Director | 15,400 | 0.07% | Sep 8, 2026 |
| Douglas J. Hajek | Director | 12,681 | 0.06% | Sep 8, 2026 |
| Elizabeth G. Hoople | Director | 28,450 | 0.14% | Sep 8, 2026 |
| Ronald D. McCray | Director | 14,557 | 0.07% | Sep 8, 2026 |
| Becky S. Shulman | Director | 30,499 | 0.15% | Sep 8, 2026 |
| Kendall E. Stork | Director | 21,553 | 0.10% | Sep 8, 2026 |
| Neeraj Mehta | Director | 4,450 | 0.02% | Sep 8, 2026 |
Insider trades
Common stock transactions reported on Form 4, newest first
| Insider | Date | Transaction | Shares | Price | Value | Shares after |
|---|---|---|---|---|---|---|
| Neeraj Mehta Director | Sep 4, 2026 | Award | +400 | – | – | 4,450 |
| Kendall E. Stork Director | Sep 4, 2026 | Award | +400 | – | – | 12,053 |
| Becky S. Shulman Director | Sep 4, 2026 | Award | +400 | – | – | 30,499 |
| Ronald D. McCray Director | Sep 4, 2026 | Award | +400 | – | – | 14,557 |
| Lizabeth H. Zlatkus Director | Sep 4, 2026 | Award | +400 | – | – | 15,400 |
| Douglas J. Hajek Director | Sep 4, 2026 | Award | +400 | – | – | 12,681 |
| Elizabeth G. Hoople Director | Sep 4, 2026 | Award | +400 | – | – | 28,450 |
| Christopher Perretta Director | Sep 4, 2026 | Award | +400 | – | – | 8,750 |
| Eric Anthony Ferri EVP, Chief Risk Officer | Jun 7, 2026 | Award | +8,638 | – | – | 8,638 |
| Elizabeth G. Hoople Director | May 29, 2026 | Sale | −4,500 | $82.29 | $370.31K | 28,050 |
| Douglas J. Hajek Director | Apr 29, 2026 | Sale | −5,000 | $86.37 | $431.85K | 12,281 |
| Kendall E. Stork Director | Feb 24, 2026 | Award | +1,650 | – | – | 9,500 |
| Christopher Perretta Director | Feb 24, 2026 | Award | +1,650 | – | – | 8,350 |
| Lizabeth H. Zlatkus Director | Feb 24, 2026 | Award | +1,650 | – | – | 15,000 |
| Neeraj Mehta Director | Feb 24, 2026 | Award | +1,650 | – | – | 4,050 |
| Becky S. Shulman Director | Feb 24, 2026 | Award | +1,650 | – | – | 30,099 |
| Ronald D. McCray Director | Feb 24, 2026 | Award | +1,650 | – | – | 14,157 |
| Elizabeth G. Hoople Director | Feb 24, 2026 | Award | +1,650 | – | – | 32,550 |
| Douglas J. Hajek Director | Feb 24, 2026 | Award | +1,650 | – | – | 17,281 |
| Brett L. Pharr Chief Executive Officer, Director | Feb 23, 2026 | Sale | −15,641 | $93.88 | $1.47M | 78,261 |
| Kendall E. Stork Director | Feb 9, 2026 | Sale | −3,000 | $94.15 | $282.45K | 2,153 |
| Christopher Perretta Director | Jan 30, 2026 | Sale | −1,450 | $89.94 | $130.41K | 6,700 |
| Anthony M. Sharett President | Dec 16, 2025 | Gift | −650 | – | – | 35,316 |
| Douglas J. Hajek Director | Dec 9, 2025 | Gift | −1,000 | – | – | 15,631 |
| Anthony M. Sharett President | Dec 5, 2025 | Tax withholding | −776 | $74.36 | $57.70K | 38,966 |
| Nadia Dombrowski Chief Legal and Admin Officer | Dec 5, 2025 | Tax withholding | −353 | $74.36 | $26.25K | 11,556 |
| Charles C. Ingram EVP, Chief Info & Ops Officer | Dec 5, 2025 | Tax withholding | −235 | $74.36 | $17.47K | 31,298 |
| Anjana Thatte Berde Chief People & Culture Officer | Dec 5, 2025 | Tax withholding | −114 | $74.36 | $8.48K | 2,458 |
| Jennifer W. Warren SVP, Chief Accounting Officer | Dec 5, 2025 | Tax withholding | −221 | $74.36 | $16.43K | 7,234 |
| Brett L. Pharr Chief Executive Officer, Director | Dec 5, 2025 | Tax withholding | −2,192 | $74.36 | $163.00K | 93,902 |
| Greg Sigrist Chief Financial Officer | Dec 5, 2025 | Tax withholding | −737 | $74.36 | $54.80K | 17,776 |
| Ronald D. McCray Director | Dec 4, 2025 | Gift | −1,363 | – | – | 13,181 |
| Ronald D. McCray Director | Dec 4, 2025 | Gift | −337 | – | – | 12,844 |
| Ronald D. McCray Director | Dec 4, 2025 | Gift | −337 | – | – | 12,507 |
| Anthony M. Sharett President | Nov 14, 2025 | Award | +5,363 | – | – | 39,742 |
| Brett L. Pharr Chief Executive Officer, Director | Nov 14, 2025 | Award | +15,916 | – | – | 96,094 |
| Greg Sigrist Chief Financial Officer | Nov 14, 2025 | Award | +5,168 | – | – | 18,513 |
| Nadia Dombrowski Chief Legal and Admin Officer | Nov 14, 2025 | Award | +2,261 | – | – | 11,909 |
| Charles C. Ingram EVP, Chief Info & Ops Officer | Nov 14, 2025 | Award | +2,992 | – | – | 31,533 |
| Anjana Thatte Berde Chief People & Culture Officer | Nov 14, 2025 | Award | +1,510 | – | – | 2,572 |
| Jennifer W. Warren SVP, Chief Accounting Officer | Nov 14, 2025 | Award | +1,934 | – | – | 6,705 |
| Jennifer W. Warren SVP, Chief Accounting Officer | Nov 14, 2025 | Award | +750 | – | – | 7,455 |
| Kendall E. Stork Director | Nov 14, 2025 | Gift | −1,000 | – | – | 5,153 |
| Anthony M. Sharett President | Nov 4, 2025 | Award | +13,612 | – | – | 38,767 |
| Anthony M. Sharett President | Nov 4, 2025 | Tax withholding | −4,388 | – | – | 34,379 |
| Brett L. Pharr Chief Executive Officer, Director | Nov 4, 2025 | Award | +34,718 | – | – | 93,840 |
| Brett L. Pharr Chief Executive Officer, Director | Nov 4, 2025 | Tax withholding | −13,662 | – | – | 80,178 |
| Charles C. Ingram EVP, Chief Info & Ops Officer | Nov 4, 2025 | Tax withholding | −1,212 | – | – | 28,541 |
| Charles C. Ingram EVP, Chief Info & Ops Officer | Nov 4, 2025 | Award | +4,598 | – | – | 29,753 |
| Nadia Dombrowski Chief Legal and Admin Officer | Nov 4, 2025 | Award | +4,545 | – | – | 11,073 |
| Nadia Dombrowski Chief Legal and Admin Officer | Nov 4, 2025 | Tax withholding | −1,425 | – | – | 9,648 |
| Douglas J. Hajek Director | Oct 31, 2025 | Sale | −3,000 | $68.11 | $204.33K | 16,631 |
| Neeraj Mehta Director | Oct 28, 2025 | Sale | −2,500 | $69.34 | $173.35K | 2,400 |
| Brett L. Pharr Chief Executive Officer, Director | Oct 27, 2025 | Gift | −5,952 | – | – | 59,122 |
| Nadia Dombrowski Chief Legal and Admin Officer | Oct 24, 2025 | Sale | −5,000 | $71.46 | $357.30K | 6,528 |
| Anthony M. Sharett President | Oct 24, 2025 | Sale | −11,500 | $71.55 | $822.83K | 25,155 |
| Greg Sigrist Chief Financial Officer | Oct 16, 2025 | Tax withholding | −1,724 | $69.76 | $120.27K | 13,345 |
| Anthony M. Sharett President | Oct 16, 2025 | Tax withholding | −1,685 | $69.76 | $117.55K | 36,655 |
| Charles C. Ingram EVP, Chief Info & Ops Officer | Oct 16, 2025 | Tax withholding | −603 | $69.76 | $42.07K | 25,155 |
| Jennifer W. Warren SVP, Chief Accounting Officer | Oct 16, 2025 | Tax withholding | −248 | $69.76 | $17.30K | 4,771 |
Awards, option exercises, tax withholding and gifts are shown alongside open-market buys and sales. Each name links to the filing on SEC EDGAR.
Planned insider sales
Notices of proposed sale filed on Form 144 before shares are sold
| Seller | Filed | Shares | Market value | Planned sale | Acquired through |
|---|---|---|---|---|---|
| Elizabeth G. Hoople Director | May 29, 2026 | 4,500 | $370.71K | May 29, 2026 | Compensation |
| Douglas J. Hajek Director | Apr 29, 2026 | 5,000 | $440.70K | Apr 29, 2026 | Share Grants |
| Brett L. Pharr Officer | Feb 20, 2026 | 15,641 | $1.47M | Feb 20, 2026 | Stock Award |
| Kendall E. Stork Director | Feb 9, 2026 | 3,000 | $282.21K | Feb 9, 2026 | Equity Compensation |
| Douglas J. Hajek Director | Oct 31, 2025 | 3,000 | $204.15K | Oct 31, 2025 | Stock Award |
| Anthony M. Sharett Officer | Oct 24, 2025 | 11,500 | $822.94K | Oct 24, 2025 | Stock Award |
| Nadia Dombrowski Officer | Oct 24, 2025 | 5,000 | $355.70K | Oct 24, 2025 | Stock Award |
| Kendall E. Stork Director | Apr 29, 2025 | 4,000 | $318.36K | Apr 29, 2025 | Executive Compensation |
| Douglas J. Hajek Director | Apr 25, 2025 | 1,850 | $145.76K | Apr 25, 2025 | Vesting of Stock Grants |
| Brett L. Pharr Officer | Apr 24, 2025 | 10,365 | $813.55K | Apr 24, 2025 | Stock Award |
| Brett L. Pharr Officer | Nov 13, 2024 | 11,500 | $813.97K | Nov 13, 2024 | Stock Award |
| Douglas J. Hajek Director | Sep 12, 2024 | 2,000 | $130.94K | Sep 12, 2024 | Equity Compensation |
| Anthony M. Sharett Officer | Sep 5, 2024 | 3,100 | $211.55K | Sep 5, 2024 | Stock Award |
| Kendall E. Stork Director | May 6, 2024 | 2,000 | $107.08K | May 6, 2024 | Equity Compensation |
| Anthony M. Sharett Officer | Mar 15, 2024 | 1,000 | $49.95K | Mar 15, 2024 | Stock Award |