8-K Announcements
6Apr 22, 2026·SEC
Feb 26, 2026·SEC
Feb 25, 2026·SEC
Pathward Financial, Inc. (CASH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
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Pathward Financial, Inc. (CASH) stock price & volume — 10-year historical chart
Pathward Financial, Inc. (CASH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Pathward Financial, Inc. (CASH) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $3.35vs $3.35+0.0% | $276Mvs $272M+1.6% |
| Q1 2026 | Jan 22, 2026 | $1.57vs $1.38+13.8% | $173Mvs $186M-6.8% |
| Q4 2025 | Oct 21, 2025 | $1.69vs $1.38+22.5% | $155Mvs $195M-20.3% |
| Q4 2025 | Sep 16, 2025 | $1.82 | $158M |
Pathward Financial, Inc. (CASH) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison
Pathward Financial, Inc. (CASH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Pathward Financial, Inc. (CASH) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 93.23M | 130.55M | 264.21M | 259.04M | 278.99M | 324.57M | 387.86M | 455.12M | 511.79M | 505.88M |
NII Growth % | 20.6% | 40.03% | 102.38% | -1.96% | 7.7% | 16.34% | 19.5% | 17.34% | 12.45% | 31.19% |
Net Interest Margin % | 1.78% | 2.24% | 4.27% | 4.25% | 4.17% | 4.81% | 5.15% | 6.03% | 7.14% | 6.69% |
Interest Income | 108.1M | 158.53M | 325.73M | 292.84M | 285.85M | 329.44M | 398.74M | 476.35M | 523.39M | 516.26M |
Interest Expense | 14.87M | 27.98M | 61.52M | 33.8M | 6.86M | 4.87M | 10.87M | 21.23M | 11.6M | 10.38M |
Loan Loss Provision | 10.59M | 29.43M | 55.65M | 64.78M | 49.77M | 56.79M | 109.24M | 58.1M | 56.77M | 41.34M |
Non-Interest Income | 132.92M | 144.68M | 188.24M | 184.2M | 229.28M | 193.96M | 212.73M | 192.55M | 161.84M | 208.08M |
Non-Interest Income % | 55.15% | 47.71% | 36.62% | 38.61% | 44.51% | 37.06% | 34.79% | 28.79% | 23.62% | 28.73% |
Total Revenue | 241.02M▲ 0% | 303.21M▲ 25.8% | 513.97M▲ 69.5% | 477.04M▼ 7.2% | 515.13M▲ 8.0% | 523.39M▲ 1.6% | 611.47M▲ 16.8% | 668.9M▲ 9.4% | 685.23M▲ 2.4% | 724.34M▲ 0% |
Revenue Growth % | 59.35% | 25.8% | 69.51% | -7.19% | 7.99% | 1.6% | 16.83% | 9.39% | 2.44% | 49.89% |
Non-Interest Expense | 160.41M | 188.38M | 298.86M | 263.45M | 302.06M | 281.43M | 336.3M | 370.95M | 393.81M | 443.08M |
Efficiency Ratio | 66.55% | 62.13% | 58.15% | 55.23% | 58.64% | 53.77% | 55% | 55.46% | 57.47% | 61.17% |
Operating Income | 55.15M▲ 0% | 57.41M▲ 4.1% | 97.94M▲ 70.6% | 115M▲ 17.4% | 156.45M▲ 36.0% | 180.3M▲ 15.2% | 155.04M▼ 14.0% | 218.62M▲ 41.0% | 223.05M▲ 2.0% | 229.54M▲ 0% |
Operating Margin % | 22.88% | 18.93% | 19.06% | 24.11% | 30.37% | 34.45% | 25.36% | 32.68% | 32.55% | 31.69% |
Operating Income Growth % | 42.06% | 4.1% | 70.6% | 17.42% | 36.03% | 15.25% | -14.01% | 41% | 2.03% | - |
Pretax Income | 55.15M▲ 0% | 57.41M▲ 4.1% | 97.94M▲ 70.6% | 115M▲ 17.4% | 156.45M▲ 36.0% | 180.3M▲ 15.2% | 155.04M▼ 14.0% | 218.62M▲ 41.0% | 223.05M▲ 2.0% | 229.54M▲ 0% |
Pretax Margin % | 22.88% | 18.93% | 19.06% | 24.11% | 30.37% | 34.45% | 25.36% | 32.68% | 32.55% | 31.69% |
Income Tax | 10.23M | 5.12M | -3.37M | 5.66M | 10.7M | 26.2M | 9.59M | 34.11M | 36.27M | 37.45M |
Effective Tax Rate % | 18.55% | 8.91% | -3.44% | 4.92% | 6.84% | 14.53% | 6.18% | 15.6% | 16.26% | 16.32% |
Net Income | 44.92M▲ 0% | 51.62M▲ 14.9% | 97M▲ 87.9% | 104.72M▲ 8.0% | 141.71M▲ 35.3% | 151.13M▲ 6.7% | 143.27M▼ 5.2% | 183.22M▲ 27.9% | 185.87M▲ 1.4% | 191.02M▲ 0% |
Net Margin % | 18.64% | 17.02% | 18.87% | 21.95% | 27.51% | 28.88% | 23.43% | 27.39% | 27.13% | 26.37% |
Net Income Growth % | 35.21% | 14.92% | 87.92% | 7.95% | 35.32% | 6.65% | -5.21% | 27.89% | 1.45% | 7.11% |
Net Income (Continuing) | 44.92M | 52.29M | 101.32M | 109.34M | 145.75M | 154.1M | 145.46M | 184.51M | 186.79M | 192.09M |
EPS (Diluted) | 1.61▲ 0% | 1.67▲ 3.7% | 2.49▲ 49.1% | 2.94▲ 18.1% | 4.38▲ 49.0% | 5.26▲ 20.1% | 5.99▲ 13.9% | 7.20▲ 20.2% | 7.87▲ 9.3% | 8.53▲ 0% |
EPS Growth % | 22.9% | 3.73% | 49.1% | 18.07% | 48.98% | 20.09% | 13.88% | 20.2% | 9.31% | 15.8% |
EPS (Basic) | 1.62 | 1.68 | 2.49 | 2.94 | 4.38 | 5.26 | 6.01 | 7.21 | 7.91 | - |
Diluted Shares Outstanding | 27.91M | 30.85M | 38.92M | 35.65M | 31.75M | 29.23M | 26.93M | 25.2M | 23.52M | 22.38M |
Pathward Financial, Inc. (CASH) balance sheet — assets, liabilities & shareholders' equity
| Metric | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 2.37B | 1.59B | 1.02B | 1.24B | 2.18B | 2.27B | 2.18B | 1.9B | 1.09B | 4.93B |
Cash & Due from Banks | 1.27B | 99.98M | 126.55M | 427.37M | 314.02M | 388.04M | 375.58M | 158.34M | 120.57M | 331.22M |
Short Term Investments | 1.11B | 1.49B | 889.95M | 814.5M | 1.86B | 1.88B | 1.8B | 1.74B | 973.01M | 961.37M |
Total Investments | 3.57B | 4.97B | 5.19B | 4.81B | 5.25B | 5.23B | 6.05B | 6.34B | 6B | 6.21B |
Investments Growth % | 18.82% | 38.95% | 4.4% | -7.23% | 9.19% | -0.53% | 15.81% | 4.78% | -5.39% | -9.46% |
Long-Term Investments | 2.47B | 3.48B | 4.3B | 4B | 3.39B | 3.34B | 4.25B | 4.6B | 5.03B | 19.91B |
Accounts Receivables | 19.38M | 22.02M | 20.4M | 16.63M | 16.25M | 17.98M | 23.28M | 31.39M | 38.52M | 36.17M |
Goodwill & Intangibles | 150.9M | 373.99M | 362.31M | 351.2M | 342.65M | 335.2M | 330.23M | 326.09M | 310.43M | 309.71M |
Goodwill | 98.72M | 303.27M | 309.5M | 309.5M | 309.5M | 309.5M | 309.5M | 309.5M | 297.93M | 297.9M |
Intangible Assets | 52.18M | 70.72M | 52.81M | 41.69M | 33.15M | 25.69M | 20.72M | 16.59M | 12.5M | 11.81M |
PP&E (Net) | 19.32M | 147.75M | 254.47M | 247.57M | 258M | 246.08M | 250.91M | 244.39M | 200.08M | 196.9M |
Other Assets | 158.85M | 177.42M | 205.07M | 212.39M | 204.99M | 324.14M | 320.54M | 296.08M | 354.59M | 472.01M |
Total Current Assets | 2.42B | 1.63B | 1.05B | 1.27B | 2.47B | 2.5B | 2.39B | 2.08B | 1.28B | 1.33B |
Total Non-Current Assets | 2.81B | 4.2B | 5.14B | 4.83B | 4.22B | 4.25B | 5.15B | 5.47B | 5.89B | 6.23B |
Total Assets | 5.23B▲ 0% | 5.84B▲ 11.6% | 6.18B▲ 6.0% | 6.09B▼ 1.5% | 6.69B▲ 9.8% | 6.75B▲ 0.8% | 7.54B▲ 11.7% | 7.55B▲ 0.2% | 7.17B▼ 5.0% | 7.56B▲ 0% |
Asset Growth % | 30.5% | 11.6% | 5.96% | -1.47% | 9.83% | 0.85% | 11.68% | 0.18% | -4.99% | -15.75% |
Return on Assets (ROA) | 0.97% | 0.93% | 1.61% | 1.71% | 2.22% | 2.25% | 2.01% | 2.43% | 2.53% | 2.64% |
Accounts Payable | 2.28M | 7.79M | 9.41M | 1.92M | 579K | 0 | 0 | 0 | 0 | 0 |
Total Debt | 1.49B | 514.72M | 861.86M | 98.22M | 98.03M | 36.03M | 46.87M | 410.35M | 42.46M | 33.48M |
Net Debt | 222.48M | 414.75M | 735.31M | -329.14M | -215.99M | -352.01M | -328.71M | 252.02M | -78.11M | -297.74M |
Long-Term Debt | 83.66M | 87.15M | 197.31M | 87.47M | 92.83M | 36.03M | 33.87M | 33.35M | 33.46M | 33.48M |
Short-Term Debt | 1.4B | 425.69M | 646.02M | 0 | 0 | 0 | 13M | 377M | 9M | 0 |
Other Liabilities | 0 | 0 | 0 | 0 | -5.77M | 0 | 0 | 424.29M | 385.49M | 322.62M |
Total Current Liabilities | 4.71B | 5B | 5.12B | 5.15B | 5.73B | 6.07B | 6.85B | 6.25B | 5.9B | 6.35B |
Total Non-Current Liabilities | 85.53M | 88.96M | 215.84M | 98.22M | 92.25M | 36.03M | 33.87M | 457.65M | 418.94M | 356.1M |
Total Liabilities | 4.79B | 5.09B | 5.34B | 5.24B | 5.82B | 6.1B | 6.88B | 6.71B | 6.31B | 6.71B |
Total Equity | 434.5M▲ 0% | 747.73M▲ 72.1% | 843.96M▲ 12.9% | 847.31M▲ 0.4% | 871.88M▲ 2.9% | 645.14M▼ 26.0% | 650.63M▲ 0.9% | 839.61M▲ 29.0% | 857.45M▲ 2.1% | 853.71M▲ 0% |
Equity Growth % | 29.71% | 72.09% | 12.87% | 0.4% | 2.9% | -26.01% | 0.85% | 29.05% | 2.13% | 29.08% |
Equity / Assets (Capital Ratio) | 8.31% | 12.81% | 13.65% | 13.91% | 13.03% | 9.56% | 8.63% | 11.12% | 11.96% | 11.29% |
Return on Equity (ROE) | 11.67% | 8.73% | 12.19% | 12.38% | 16.49% | 19.93% | 22.11% | 24.59% | 21.91% | 22.85% |
Book Value per Share | 15.57 | 24.24 | 21.68 | 23.77 | 27.46 | 22.07 | 24.16 | 33.32 | 36.45 | 38.14 |
Tangible BV per Share | 10.16 | 12.11 | 12.37 | 13.92 | 16.67 | 10.60 | 11.90 | 20.38 | 23.26 | 24.31 |
Common Stock | 288K | 393K | 378K | 344K | 317K | 288K | 262K | 248K | 228K | 222K |
Additional Paid-in Capital | 258.34M | 565.81M | 580.83M | 594.57M | 604.48M | 617.4M | 628.5M | 638.8M | 648.33M | 651.2M |
Retained Earnings | 167.16M | 213.05M | 252.81M | 234.93M | 259.19M | 245.39M | 278.65M | 354.47M | 359.83M | 346.53M |
Accumulated OCI | 9.17M | -33.11M | 6.34M | 17.54M | 7.6M | -213.08M | -255.44M | -153.39M | -145.46M | -135M |
Treasury Stock | -266K | -1.99M | -445K | -3.68M | -860K | -4.83M | -344K | -249K | -4.88M | -8.42M |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Pathward Financial, Inc. (CASH) cash flow — operating, investing & free cash flow history
| Metric | Sep'17 | Sep'18 | Sep'19 | Sep'20 | Sep'21 | Sep'22 | Sep'23 | Sep'24 | Sep'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 120M | 137.75M | 191.01M | 467.22M | 581.64M | 268.81M | 303.11M | 453.54M | 450.62M | 630.66M |
Operating CF Growth % | 218078.18% | 14.8% | 38.66% | 144.6% | 24.49% | -53.78% | 12.76% | 49.63% | -0.64% | 302.93% |
Net Income | 44.92M | 52.29M | 101.32M | 109.34M | 145.75M | 159.35M | 165.81M | 168.36M | 186.79M | 191.02M |
Depreciation & Amortization | 45.05M | 37.72M | 55.15M | 60.74M | 59.05M | 61.6M | 64.95M | 57.77M | 59.73M | 58.2M |
Deferred Taxes | -6.29M | 6.53M | -14.3M | -2.35M | -1.64M | 17.59M | -175K | 11.12M | 16.8M | 16.26M |
Other Non-Cash Items | 21.51M | 53.98M | 24.01M | 262.63M | 328.37M | 55.18M | -23.46M | 34.41M | 297.38M | 652.43M |
Working Capital Changes | 4.41M | -23.89M | 11.9M | 26.63M | 43.27M | -34.92M | 84.91M | 171.61M | -119.58M | -299.07M |
Cash from Investing | -700.43M | -389.79M | -339.2M | -206.32M | -1.12B | -310.87M | -920.76M | -227.66M | 25.84M | -567.28M |
Purchase of Investments | -849.54M | -626.58M | -299.27M | -229.33M | -1.04B | -907.36M | -156.88M | -3.46M | -2.28M | -1.11M |
Sale/Maturity of Investments | 635.21M | 799.4M | 954.68M | 282.18M | 456.63M | 604.47M | 182.13M | 205.05M | 406.72M | 236.43M |
Net Investment Activity | -214.33M | 172.83M | 655.42M | 52.85M | -585.13M | -302.89M | 25.25M | 201.58M | 404.44M | 235.31M |
Acquisitions | -29.43M | 58.85M | 0 | 3.5M | 0 | 0 | 0 | 0 | 608.46M | 8.22M |
Other Investing | -449.88M | -596.08M | -836.21M | -196.76M | -469.24M | 430.89M | -496.1M | -152.49M | -773.03M | -651.67M |
Cash from Financing | 1.07B | -915.58M | 174.88M | 40.02M | 422.93M | 117.82M | 604.86M | -443.2M | -513.03M | -331.17M |
Dividends Paid | -4.84M | -5.74M | -7.76M | -7.1M | -6.4M | -5.92M | -5.43M | -5.07M | -4.69M | -4.59M |
Share Repurchases | -470K | -2.6M | -49.91M | -118.74M | -99.88M | -168.24M | -120.44M | -86.85M | -163.05M | -156.93M |
Stock Issued | 12K | 4K | 3K | 2K | 0 | 1K | 1K | 3K | 0 | 1K |
Net Stock Activity | -458K | -2.59M | -49.91M | -118.74M | -99.88M | -168.23M | -120.44M | -86.85M | -163.05M | -156.93M |
Debt Issuance (Net) | 1000K | -1000K | 1000K | -1000K | -32K | -1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 776.09M | -480.29M | -42.37M | 923.61M | 529.24M | 347.05M | 717.72M | -715.28M | 22.71M | -169.64M |
Net Change in Cash | 493.76M▲ 0% | -1.17B▼ 336.5% | 26.57M▲ 102.3% | 300.82M▲ 1032.3% | -113.35M▼ 137.7% | 74.02M▲ 165.3% | -12.46M▼ 116.8% | -217.24M▼ 1643.8% | -37.77M▲ 82.6% | -266.18M▲ 0% |
Exchange Rate Effect | 0 | 3K | -122K | -101K | 476K | -1.74M | 331K | 81K | -1.21M | 1.6M |
Cash at Beginning | 773.83M | 1.27B | 99.98M | 126.55M | 427.37M | 314.02M | 388.04M | 375.58M | 158.34M | 120.57M |
Cash at End | 1.27B | 99.98M | 126.55M | 427.37M | 314.02M | 388.04M | 375.58M | 158.34M | 120.57M | 331.22M |
Interest Paid | 16.28M | 33.5M | 0 | 41.29M | 8.21M | 5.26M | 10.82M | 20.91M | 11.98M | 9.07M |
Income Taxes Paid | 20.06M | 8.95M | 0 | 7.04M | 9.01M | 13.94M | 15.41M | 20.36M | 19.05M | -1.48M |
Free Cash Flow | 113.2M▲ 0% | 112.36M▼ 0.7% | 32.61M▼ 71.0% | 401.32M▲ 1130.7% | 517.62M▲ 29.0% | -170.06M▼ 132.9% | -146.79M▲ 13.7% | 176.78M▲ 220.4% | 236.59M▲ 33.8% | 421.9M▲ 0% |
FCF Growth % | 1734.89% | -0.74% | -70.98% | 1130.69% | 28.98% | -132.85% | 13.68% | 220.43% | 33.83% | 210.56% |
Pathward Financial, Inc. (CASH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 11.67% | 8.73% | 12.19% | 12.38% | 16.49% | 19.93% | 22.11% | 24.59% | 21.91% | 22.85% |
Return on Assets (ROA) | 0.97% | 0.93% | 1.61% | 1.71% | 2.22% | 2.25% | 2.01% | 2.43% | 2.53% | 2.64% |
Net Interest Margin | 1.78% | 2.24% | 4.27% | 4.25% | 4.17% | 4.81% | 5.15% | 6.03% | 7.14% | 6.69% |
Efficiency Ratio | 66.55% | 62.13% | 58.15% | 55.23% | 58.64% | 53.77% | 55% | 55.46% | 57.47% | 61.17% |
Equity / Assets | 8.31% | 12.81% | 13.65% | 13.91% | 13.03% | 9.56% | 8.63% | 11.12% | 11.96% | 11.29% |
Book Value / Share | 15.57 | 24.24 | 21.68 | 23.77 | 27.46 | 22.07 | 24.16 | 33.32 | 36.45 | 38.14 |
NII Growth | 20.6% | 40.03% | 102.38% | -1.96% | 7.7% | 16.34% | 19.5% | 17.34% | 12.45% | 7.56% |
Dividend Payout | 10.77% | 11.11% | 8% | 6.78% | 4.52% | 3.92% | 3.79% | 2.77% | 2.52% | 2.4% |
Pathward Financial, Inc. (CASH) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 22, 2026·SEC
Feb 26, 2026·SEC
Feb 25, 2026·SEC
Pathward Financial, Inc. (CASH) stock FAQ — growth, dividends, profitability & financials explained
Pathward Financial, Inc. (CASH) grew revenue by 2.4% over the past year. Growth has been modest.
Yes, Pathward Financial, Inc. (CASH) is profitable, generating $191.0M in net income for fiscal year 2025 (27.1% net margin).
Yes, Pathward Financial, Inc. (CASH) pays a dividend with a yield of 0.25%. This makes it attractive for income-focused investors.
Pathward Financial, Inc. (CASH) has a return on equity (ROE) of 21.9%. This is excellent, indicating efficient use of shareholder capital.
Pathward Financial, Inc. (CASH) has a net interest margin (NIM) of 7.1%. This indicates healthy earnings from lending activities.
Pathward Financial, Inc. (CASH) has an efficiency ratio of 57.5%. This is reasonable for a bank.