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Company Analysis

Pathward Financial, Inc. CASH

A comprehensive view of key metrics, scores, and financial health for Pathward Financial, Inc.

Overview of Pathward Financial, Inc.

CASH NMS
Financial Services Banks - Regional Mid Cap
Pathward Financial, Inc. (CASH), is a Mid Cap company, in the Banks - Regional industry, last closed at $91.17, about 56.6% overvalued vs fair value, +26.6% 1Y return, ranked 545/1004 in sector.
$91.17
1.51%
As of March 13, 2026
Previous close • Vol 90d: 28.3%
52-Week Range
Market Cap
$2.04B
Enterprise Value
$1.74B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.pathwardfinancial....
HQ Sioux Falls, SD
Employees 1,170
Fiscal year Sep 30

Next Events

Dividend Apr 1
Earnings Apr 21 Estimated

Fair Value Snapshot

Bear Base Bull
$22
$40
$74
Current: $91.17 -57% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$523.4M
0.8%%
Interest Expense
$11.6M
Net Interest Income
$511.8M
2.8%%
Total Revenue
$673.6M
4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
21.6%
Excellent

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$167.7M
90.6% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pathward Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
75
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
73
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CASH's balance between Growth (6.6%), Profitability (44.7%), and Safety (48.7%). Growth 7% Safety 49% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

13th percentile vs peers
13
Key Signals
Revenue CAGR 3Y 9.1% 20p Rev Growth YoY 4.0% 13p Asset Growth YoY -4.8% 6p
Strengths
  • Roe in top 20% of peers (22.1%, 98th percentile)
  • Roa in top 20% of peers (2.5%, 97th percentile)
  • Net Profit Margin in top 20% of peers (27.6%, 88th percentile)
Risks
  • Growth in bottom 20% of peers (percentile: 13)
  • Rev Growth Yoy in bottom 20% of peers (4.0%)
  • Asset Growth Yoy in bottom 20% of peers (-4.8%)

Profitability

90th percentile vs peers
90
Key Signals
Strengths
Risks
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Safety

98th percentile vs peers
98
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pathward Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$39.53
- - -
-56.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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