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CASHPathward Financial, Inc.
$73.27$1.5B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
CASH logo

Pathward Financial, Inc.

CASH
NASDAQ · Regional Banks
$73.27
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$1.55B
P/E9.3x
52W High$101.26
Volume163.08K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Credit Deterioration Pressures Pathward's Earnings Trajectory

Pathward Financial's core banking franchise remains stable, but the 2026Q3 earnings miss—EPS of $1.37 versus $1.59 expected—signals a potential inflection point as credit costs surge and net interest margin compresses. The bank's reliance on fee income from ta...

GrowthMixed
ProfitabilityStrained
ValuationAttractive
TechnicalsWeak
Explore valuation models
MARKET ACTION

CASH price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

8/12 Beats

EPS beat 8 of last 12 quarters

02

Valuation risk

-62% Peers

P/E is 62% below peer median

03

Market leadership

RS 33 · Lag

Laggard (Underperforming 67% of market)

04

Weak Trend

Below 200DMA

Price < 200DMA

Next CatalystEstimated earnings · Oct 22

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CASH+2.16%
S&P 500 (^GSPC)+12.39%
1-Year Return
CASH-2.97%
S&P 500 (^GSPC)+15.77%
3-Year Return
CASH+60.24%
S&P 500 (^GSPC)+73.97%
5-Year Return
CASH+43.68%
S&P 500 (^GSPC)+67.37%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/EMedian
9.3x
Forward P/EExpansion
9.2x
EV/EBITDA40th %ile
5.2x
FCF YieldCash Flow
15.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
9.3x
9.2x
60th· Fair
EV/EBITDA
5.2x
5.9x
40th· Fair
Price/FCF
6.5x
7.4x
33rd· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$84.63+15.5%
Base (Fair)$155.46+104.1%
Bull$245.79+235.5%
$84.63 Bear$155.46 Base$245.79 Bull
Current Market Price: $73.27
Trades at a 52.9% discount to Base DCF ($155.46)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$674M+4.0% YoY
Net income
$186M+1.4% YoY
Free cash flow
$237M+33.8% YoY
Operating margin
32.6%-0.1 pts YoY
ROIC (TTM)15.6%
Avg ROIC 5Y-
ROE (TTM)21.9%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate8/12 (73%)
Revenue Beat Rate3/12 (27%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 22, 2026
$1.37-29.7%
vs $1.95
$190M-0.8%
vs $191M
Q2 2026
Apr 22, 2026
$3.35+0.0%
vs $3.35
$276M+1.6%
vs $272M
Q1 2026
Jan 22, 2026
$1.57+13.8%
vs $1.38
$173M-6.8%
vs $186M
Q4 2025
Oct 21, 2025
$1.69+22.5%
vs $1.38
$155M-20.3%
vs $195M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
PRNewsWire·5d ago
PERMIAN BASIN ROYALTY TRUST ANNOUNCES SEPTEMBER CASH DISTRIBUTION AND EXCESS COST POSITION ON WADDELL RANCH PROPERTIES

DALLAS, Sept. 18, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Permian Basin Royalty Trust (NYSE: PBT) ("Permian" or the "Trust") today declared a cash distribution to the holders of its units of beneficial interest of $0.019593 per unit, payable on October 15, 2026, to unit holders of record on September 30, 2026.

PRNewsWire·5d ago
CROSS TIMBERS ROYALTY TRUST DECLARES SEPTEMBER CASH DISTRIBUTION

DALLAS, Sept. 18, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Cross Timbers Royalty Trust (the "Trust") (NYSE: CRT), today declared a cash distribution to the holders of its units of beneficial interest of $0.064277 per unit, payable on October 15, 2026, to unitholders of record on September 30, 2026.

PRNewsWire·6d ago
BERETTA HOLDING S.A. COMMENCES CASH TENDER OFFER FOR SHARES OF STURM, RUGER & COMPANY, INC.

LUXEMBOURG, Sept. 17, 2026 /PRNewswire/ -- Beretta Holding S.A.

Defense World·Sep 15, 2026
Head to Head Survey: Pathward Financial (NASDAQ:CASH) versus Preferred Bank (NASDAQ:PFBC)

Preferred Bank (NASDAQ: PFBC - Get Free Report) and Pathward Financial (NASDAQ: CASH - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, analyst recommendations, valuation, risk and dividends. Profitability This table compares Preferred Bank and

Filtered for Pathward Financial, Inc.More Headlines
04

Compare before deciding

Benchmark CASH against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Pathward Financial, Inc. (CASH)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CASH logoCASHPathward Financial, Inc.Current
$73.27$1.55B9.314.01%27.13%21.91%0.27%
GDOT logoGDOTGreen Dot Corporation
$13.02$737.98M-7.2720.72%-1.14%-2.82%—
EVTC logoEVTCEVERTEC, Inc.
$27.57$1.7B12.5310.21%9.8%13.43%—
FCFS logoFCFSFirstCash Holdings, Inc
$216.47$9.39B29.177.81%9.42%17.07%—
NAVI logoNAVINavient Corporation
$9.16$860.94M-11.31-32.67%-1.67%-2.04%—
SLM logoSLMSLM Corporation
$23.61$4.44B6.827.32%23.97%30.31%—

Compare CASH vs Peers

Pathward Financial, Inc. (CASH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs GDOT

Most directly comparable listed peer for CASH.

Scale Benchmark

vs V

Larger-name benchmark to compare CASH against a more recognizable public peer.

Peer Set

Compare Top 5

vs GDOT, EVTC, FCFS, NAVI

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CASH SEC Filings & Documents

Pathward Financial, Inc. (CASH) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 20, 2026·SEC

Material company update

Jul 22, 2026·SEC

Material company update

May 21, 2026·SEC

10-K Annual Reports

3
FY 2025

Nov 25, 2025·SEC

FY 2024

Nov 26, 2024·SEC

FY 2023

Nov 21, 2023·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 6, 2026·SEC

FY 2026

May 7, 2026·SEC

FY 2026

Feb 5, 2026·SEC

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CASH Frequently Asked Questions

Pathward Financial, Inc. (CASH) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is Pathward Financial, Inc. growing?

Pathward Financial, Inc. (CASH) grew revenue by 4.0% over the past year. Growth has been modest.

Is CASH profitable?

Yes, Pathward Financial, Inc. (CASH) is profitable, generating $175.7M in net income for fiscal year 2025 (27.1% net margin).

Dividend & Returns
Does CASH pay dividends?

Yes, Pathward Financial, Inc. (CASH) pays a dividend with a yield of 0.27%. This makes it attractive for income-focused investors.

What is CASH's return on equity?

Pathward Financial, Inc. (CASH) has a return on equity (ROE) of 21.9%. This is excellent, indicating efficient use of shareholder capital.

Industry Metrics
What is Pathward Financial, Inc.'s net interest margin?

Pathward Financial, Inc. (CASH) has a net interest margin (NIM) of 7.1%. This indicates healthy earnings from lending activities.

What is Pathward Financial, Inc.'s efficiency ratio?

Pathward Financial, Inc. (CASH) has an efficiency ratio of 57.5%. This is reasonable for a bank.

What if you invested $1,000 in CASH back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →