Pathward Financial Results Presentation Deck slide image

Pathward Financial Results Presentation Deck

RECORD OF STRONG EARNINGS GROWTH & PROFITABILITY¹ Return on Average Tangible Equity² 14 1.55% 2019 Return on Average Assets² ROAA inclusive of one-time items 2.33% 4.91% 2019 1.45% 2020 4.09% 1.74% 2020 2021 3.83% 2.20% Net Interest Margin 2021 1.88% 2022 4.84% 2023 2022 6.04% 2023 1.46% YTD24 6.23% YTD24 Pathward Financial, Inc. (Nasdaq: CASH) | Quarterly Investor Presentation 22.34% 2019 $2.49 $0.39 2019 ROATE inclusive of one-time items 21.87% 2020 $2.94 35.42% 28.66% 30.25% EPS inclusive of one-time items 1st Quarter Earnings $0.56 2021 2020 Earnings Per Common Share $4.38 $0.84 2022 2021 5.26 $4.49 $0.78 2022 48.32% ¹FY19-FY21 display GAAP earnings; FY22 reflects GAAP and adjusted earnings. FY23-FY24 display GAAP earnings as the net adjustments for the periods are insignificant. See appendix for non-GAAP reconciliations 2023 $5.99 $0.98 $0.81 33.95% 2023 YTD24 $1.06 YTD24 2YTD24 is annualized pathward
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