Pathward Financial | Results Presentation Deck | 34 slides

Pathward Financial · 2023-04
arc beats above · slides in the middle · loops below · scroll → 2 LOOPS
SETUP TENSION ANALYSIS EVIDENCE RESOLUTION APPENDIX
HOVER FOR DETAILS · CLICK A SLIDE FOR FULLSCREEN · STEP 2
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Slide inventory

34
every slide · same image gating as the playbook
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Slide 1
front_matter
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front_matter
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The central circle acts as a hub, connecting the two business segments.present_framework
Open slide detailBeat · ProblemLoop · Golden Circle
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present_framework
Open slide detailBeat · ProblemLoop · Golden Circle
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summarize
Open slide detailBeat · ProblemLoop · Golden Circle
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summarize
Open slide detailBeat · SolutionLoop · Golden Circle
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Includes a vertical dashed line indicating the acquisition of Crestmark by Pathward in 2018.analyze_data
Open slide detailBeat · SolutionLoop · Golden Circle
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analyze_data
Open slide detailBeat · SolutionLoop · Golden Circle
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analyze_data
Open slide detailBeat · SolutionLoop · Golden Circle
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The chart shows a steady increase in total deposits over the decade, with off-balance sheet deposits appearing starting in 2021.analyze_data
Open slide detailBeat · SolutionLoop · Golden Circle
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The chart displays five distinct liquidity sources: Off Balance Sheet Deposits ($1,963M), FHLB Borrowing Capacity ($755M), Unsecured Funding ($600M), Cash and Canalyze_data
Open slide detailBeat · SolutionLoop · Golden Circle
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summarize
Open slide detailBeat · SolutionLoop · Golden Circle
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state_next_steps
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summarize
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Includes footnotes regarding GAAP/non-GAAP adjustments and YTD annualization.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The slide uses a split-layout with a dark purple sidebar for highlights and a white main area for the primary metrics.summarize
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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summarize
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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Includes specific commentary on revenue and expense drivers for the quarter.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The table includes both absolute balance sheet figures and derived performance metrics like NIM, ROA, and ROE.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The table compares three-month and six-month periods ending March 31, 2023, against the prior year.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The slide uses a pie chart for current composition and a stacked bar chart for historical growth trends.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The chart shows a sharp divergence in costs starting in 2022, with the Effective Fed Funds Rate rising significantly while total deposit costs remain relativelyanalyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The slide uses two pie charts to illustrate revenue diversification.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The table uses a hierarchical structure to group loan types under broader business segments.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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present_framework
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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The slide uses a pie chart for portfolio composition and a multi-line chart for financial performance metrics over time.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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Includes a disclaimer box regarding regulatory modeling and forward-looking statements.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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Includes three combo charts (bar + line) and a summary list of key credit metrics.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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Includes a footnote regarding CECL transition and preliminary regulatory reporting status.analyze_data
Open slide detailBeat · FinancialsLoop · Mece Breakdown
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appendix
Open slide detailBeat · Why Now
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Standard financial disclosure slide for non-GAAP metrics.analyze_data
Open slide detailBeat · Why Now
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The table reconciles GAAP figures to adjusted figures by removing tax services components.analyze_data
Open slide detailBeat · Why Now
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The slide presents two tables: one for standard Efficiency Ratio and one for Adjusted Efficiency Ratio, detailing adjustments for rebranding expenses and gain oanalyze_data
Open slide detailBeat · Why Now
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The slide provides a high-level view of industry exposure followed by a granular breakdown of the top three industries (Manufacturing, Transportation & Warehousanalyze_data
Open slide detailBeat · Why Now