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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 Small Cap
Pathward Financial, Inc. (CASH), is a Small Cap company, in the Banks - Regional industry, last closed at $89.07, about 55.6% overvalued vs fair value, +12.2% 1Y return, ranked 549/1037 in sector.
Metrics P/E 9.4× Rev Growth 4.0% ROE 22.1% Div Yield 0.28%
$89.07
0.76%
As of April 28, 2026
Previous close • Vol 90d: 34.2%
52-Week Range
Market Cap
$1.94B
Enterprise Value
$1.64B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Excellent
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Excellent
Valuation
Fair
Completeness: 82%
Confidence: 89%
Updated: Mar 8
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: $89.07 -56% vs base

Engine Room Money Flow™

Small 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

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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
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
77
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing CASH's balance between Growth (26.4%), Profitability (53.9%), and Safety (19.7%). Growth 26% Safety 20% Profitability 54%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

36th percentile vs peers
37
Key Signals
NII Growth YoY 2.8% 55p EPS Growth YoY 8.7% 61p Equity Growth YoY 4.3% 30p Asset Growth YoY -4.8% 6p
Strengths
  • Net Interest Margin in top 20% of peers (7.1%, 97th percentile)
  • ROTE in top 20% of peers (35.6%, 99th percentile)
  • ROE in top 20% of peers (22.1%, 98th percentile)
  • ROA in top 20% of peers (2.5%, 97th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-4.8%)

Profitability

74th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

27th percentile vs peers
27
Key Signals
Strengths
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Two Futures

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

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This company cannot be valued using standard models.

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Bear
-
- - -
- upside
-
Base
$39.53
- - -
-55.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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