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PATHWARD FINANCIAL, INC.
PATHWARD FINANCIAL, INC.. Spoken Alpha tracks CASH's earnings calls, guidance changes, and executive accountability over time.
Spoken Alpha tracks CASH's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Misses consensus 10/10 quarters
SampleRepeated misses without a guidance reset suggest management is structurally optimistic relative to operating reality. Track whether next-quarter guidance is being benchmarked off the prior miss or the prior plan.
Missed in 4 of the last 4 quarters
SampleRecent misses matter more than long-window beat rate — the trailing 12 months drives the analyst model and the next-print bar.
| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $1.53 | $1.82 | -15.7% | +8.8% | +6.9% |
| Q4 FY2026 | $1.56 | $2.01 | -22.4% | +1.9% | +4.1% |
| Q3 FY2026 | $1.46 | $1.77 | -17.7% | +6.2% | +6.8% |
| Q2 FY2026 | $1.31 | $1.83 | -28.3% | +6.2% | +7.0% |
| Q1 FY2025 | $1.45 | $2.09 | -30.8% | +1.6% | +0.1% |
| Q4 FY2025 | $1.61 | $1.92 | -15.9% | +8.7% | +10.4% |
| Q3 FY2025 | $1.63 | $1.96 | -17.0% | +9.3% | +12.2% |
| Q2 FY2025 | $1.63 | $2.02 | -19.2% | +4.4% | +4.0% |
| Q1 FY2024 | $1.61 | $1.96 | -17.7% | +1.6% | +1.2% |
| Q4 FY2024 | $1.35 | $1.91 | -29.2% | +1.9% | +2.8% |
Spoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
CEO since 2025 • 2/4 beats (50%) • last guidance raise Q3 FY2026
CFO since 2025 • 2/4 beats (50%) • guidance suspended Q3 FY2026
PRESIDENT since 2025 • 2/4 beats (50%) • guidance suspended Q3 FY2026
OTHER_C_SUITE since 2026 • 1/2 beats (50%) • guidance suspended Q3 FY2026
OTHER_C_SUITE since 2025 • 2/4 beats (50%) • last call held guidance Q2 FY2026
DIVISION_HEAD since 2025 • 2/4 beats (50%) • guidance suspended Q1 FY2026
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for CASH.
curl https://api.spokenalpha.com/v1/companies/CASH