Pathward Financial Results Presentation Deck

► Q1 FY 2024 HIGHLIGHTS 3 Net Income $27.7 million in net income; largely flat compared to Q1 FY 2023 Net Interest Margin Net interest margin ("NIM") of 6.23%; Adjusted NIM¹ of 4.71% Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation Diluted Earnings Per Share $1.06 in diluted earnings per share; an increase of 8% compared to Q1 FY 2023 Return Metrics Return on average assets (“ROAA”) of 1.46% compared to 1.71% and adjusted ROAA of 1.42% in Q1 FY 2023; Return on average tangible equity ("ROATE") of 33.95% compared to 35.51% and adjusted ROATE of 29.55% in Q1 FY2023 1 See slide 32 for reconciliation to most directly comparable GAAP measure. pathward

View entire presentation