<SEC-DOCUMENT>0000907471-24-000011.txt : 20240320
<SEC-HEADER>0000907471-24-000011.hdr.sgml : 20240320
<ACCEPTANCE-DATETIME>20240209090020
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0000907471-24-000011
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		2
FILED AS OF DATE:		20240209

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PATHWARD FINANCIAL, INC.
		CENTRAL INDEX KEY:			0000907471
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				421406262
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		5501 SOUTH BROADBAND LANE
		STREET 2:		P O BOX 1307
		CITY:			SIOUX FALLS
		STATE:			SD
		ZIP:			57108
		BUSINESS PHONE:		6057821767

	MAIL ADDRESS:	
		STREET 1:		5501 SOUTH BROADBAND LANE
		STREET 2:		P O BOX 1307
		CITY:			SIOUX FALLS
		STATE:			SD
		ZIP:			57108

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	META FINANCIAL GROUP INC
		DATE OF NAME CHANGE:	20050208

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST MIDWEST FINANCIAL INC
		DATE OF NAME CHANGE:	19930618
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
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<title>Document</title></head><body><div id="i47242dd5dbc24faca7f52d17b1ca735c_1"></div><div style="min-height:131.76pt;width:100%"><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.906%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.441%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:44.253%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:8pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:60px;margin-bottom:5pt;vertical-align:text-bottom;width:167px"></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#2e008b;font-family:'Avenir Next LT Pro',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5501 S. Broadband Lane &#124; Sioux Falls, SD 57108<br>605.361.4347 &#124; 866.559.5037<br>Fax&#58; 605.782.1701</font></div></td></tr></table><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">                       </font></div><div><font><br></font></div><div><font><br></font></div></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">February 9, 2024</font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-style:italic;font-weight:700;line-height:125%">Via EDGAR and Overnight Delivery</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">Securities and Exchange Commission<br>Division of Corporation Finance<br>Office of Finance<br>100 F Street, N.E.<br>Washington, D.C. 20549</font></div><div><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">Attention&#58;  Victor Cecco</font></div><div style="margin-bottom:8pt;padding-left:50.4pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">John Spitz</font></div><div style="margin-bottom:8pt;padding-left:50.4pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:125%">Re&#58; Pathward Financial, Inc.<br>Form 10-K for Fiscal Year Ended September 20, 2023<br>File No. 000-22140</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%"><br>Dear Messrs. Cecco and Spitz&#58;</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">On behalf of Pathward Financial, Inc. (the &#8220;Company&#8221;), the following response is to the comment letter dated January 31, 2024 received by the Company on January 31, 2024 from the staff (the &#8220;Staff&#8221;) of the Securities and Exchange Commission (the &#8220;Commission&#8221;) concerning the Company&#8217;s Form 10-K for the Fiscal Year Ended September 20, 2023, filed November 21, 2023.</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">For ease of reference, the Company has reproduced the text of the Staff&#8217;s comment in </font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:125%">bold</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%"> below, followed by the Company&#8217;s response. </font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Form 10-K for Fiscal Year Ended September 30, 2023</font></div><div style="padding-left:36pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">Note 15. Capital Requirements and Restrictions on Retained Earnings, page 119</font></div><div style="padding-left:36pt"><font><br></font></div><div style="padding-left:72pt;text-indent:-18pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%">1.</font><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:700;line-height:100%;padding-left:9.5pt">We note your presentation on page 120 of tangible common equity excluding AOCI, which excludes the impact of accumulated other comprehensive income (loss) (&#8220;AOCI&#8221;), represents an individually tailored accounting measure given that the adjustment to exclude AOCI has the effect of changing the recognition and measurement principles required to be applied in accordance with GAAP. Therefore, please remove the presentation of this non-GAAP measure from your future filings. Refer to Question 100.04 of the Division of Corporation Finance&#8217;s Compliance &#38; Disclosure Interpretations on Non-GAAP Financial Measures and Rule 100(b) of Regulation G.</font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">1</font></div><div><font><br></font></div></div></div><hr style="page-break-after:always"><div style="min-height:131.76pt;width:100%"><div><font><br></font></div><div><table style="border-collapse:collapse;display:inline-table;margin-bottom:5pt;vertical-align:text-bottom;width:100.000%"><tr><td style="width:1.0%"></td><td style="width:52.906%"></td><td style="width:0.1%"></td><td style="width:0.1%"></td><td style="width:0.441%"></td><td style="width:0.1%"></td><td style="width:1.0%"></td><td style="width:44.253%"></td><td style="width:0.1%"></td></tr><tr><td colspan="3" style="padding:0 1pt"><div style="margin-bottom:8pt"><img alt="image_0a.jpg" src="image_0a.jpg" style="height:60px;margin-bottom:5pt;vertical-align:text-bottom;width:167px"></div></td><td colspan="3" style="padding:0 1pt"></td><td colspan="3" style="padding:2px 1pt;text-align:left;vertical-align:bottom"><div style="text-align:right"><font style="color:#2e008b;font-family:'Avenir Next LT Pro',sans-serif;font-size:9pt;font-weight:400;line-height:100%">5501 S. Broadband Lane &#124; Sioux Falls, SD 57108<br>605.361.4347 &#124; 866.559.5037<br>Fax&#58; 605.782.1701</font></div></td></tr></table><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">                       </font></div><div><font><br></font></div><div><font><br></font></div></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">In response to the Staff&#8217;s comment, the Company will remove the presentation of this non-GAAP measure from its future filings, beginning with the Company&#8217;s Form 10-Q for the Quarter Ended December 31, 2023.</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">If you or any other member of the Staff should have any further comments or questions regarding this response, please do not hesitate to contact the undersigned at (551) 500-8901.</font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">Sincerely,<br></font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">&#47;s&#47; Gregory A. Sigrist<br></font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">Gregory A. Sigrist<br>Executive Vice President and Chief Financial Officer</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%"><br>cc&#58;</font></div><div style="margin-bottom:8pt"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:125%">Nadia A. Dombrowski<br>Executive Vice President and Chief Legal and Administrative Officer<br>Pathward Financial, Inc.</font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="margin-bottom:8pt"><font><br></font></div><div style="height:72pt;position:relative;width:100%"><div style="bottom:0;position:absolute;width:100%"><div style="text-align:right"><font style="color:#000000;font-family:'Calibri',sans-serif;font-size:11pt;font-weight:400;line-height:100%">2</font></div><div><font><br></font></div></div></div></body></html>
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end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
