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Pathward Financial, Inc. Common Stock (CASH)
Price$80.91
Value ScoreB
Growth ScoreC
Momentum ScoreD
Favorite Metrics
Price vs S&P 500 (26W)5.67%
Price vs S&P 500 (4W)-9.90%
VGM Score45.27
Market Capitalization$1.74B
P/E Ratio (Annual)9.34x
Indicated Dividend Yield (Annual)0.24%
All Metrics
P/CF (Annual)3.85x
Book Value / Share (Quarterly)$39.92
P/TBV (Annual)1.99x
Indicated Dividend (Annual)$0.20
Revenue Growth (3Y)10.84%
Cash Flow / Share (Quarterly)$21.62
Payout Ratio (TTM)2.38%
Price vs S&P 500 (YTD)4.90%
Net Profit Margin (TTM)23.54%
EPS (TTM)$8.45
10-Day Avg Trading Volume0.16M
EPS Excl Extra (TTM)$8.45
Revenue Growth (5Y)20.26%
EPS (Annual)$7.90
Dividend / Share (Annual)$0.20
ROI (Annual)20.64%
Net Profit Margin (5Y Avg)23.99%
Cash / Share (Quarterly)$14.34
P/E Basic Excl Extra (TTM)9.18x
Revenue Growth QoQ (YoY)36.67%
EPS Growth (5Y)21.30%
P/E Normalized (Annual)9.34x
ROA (Last FY)2.59%
Revenue Growth TTM (YoY)27.72%
EBITD / Share (TTM)$8.54
ROE (5Y Avg)21.29%
Operating Margin (TTM)25.85%
Cash Flow / Share (Annual)$10.39
P/B Ratio2.04x
P/B Ratio (Quarterly)2.23x
Net Income / Employee (Annual)$158,900
ROA (TTM)2.60%
EPS Growth QoQ (YoY)6.48%
EV / EBITDA (TTM)6.43x
EPS Incl Extra (Annual)$7.90
3-Month Avg Trading Volume0.25M
52-Week Price Return5.42%
EV / Free Cash Flow (Annual)7.59x
P/E Incl Extra (TTM)9.18x
Tangible BV / Share (Quarterly)$39.42
P/S Ratio (Annual)1.83x
52-Week High$101.26
Operating Margin (5Y Avg)26.01%
EPS Excl Extra (Annual)$7.90
CapEx CAGR (5Y)26.57%
Tangible BV CAGR (5Y)1.06%
26-Week Price Return21.60%
13-Week Price Return-13.32%
Total Debt / Equity (Annual)0.05x
Enterprise Value$1.80B
Revenue / Share Growth (5Y)20.70%
Book Value / Share Growth (5Y)8.97%
Pretax Margin (Annual)25.85%
Cash / Share (Annual)$14.34
3-Month Return Std Dev31.35%
Net Income / Employee (TTM)$161,600
EBITDA CAGR (5Y)12.77%
EBITDA Interim CAGR (5Y)16.18%
ROE (Last FY)21.66%
EPS Basic Excl Extra (Annual)$7.90
P/FCF (TTM)3.77x
EV / Free Cash Flow (TTM)3.89x
Total Debt / Equity (Quarterly)0.07x
EPS Incl Extra (TTM)$8.45
ROI (TTM)20.62%
Dividend Growth Rate (5Y)0.01%
P/S Ratio (TTM)1.83x
Pretax Margin (5Y Avg)26.01%
Revenue / Share (Annual)$26.16
Tangible BV / Share (Annual)$37.13
Forward P/E8.86x
Free OCF CAGR (5Y)-10.03%
Price vs S&P 500 (52W)-22.78%
P/E Ratio (TTM)9.18x
EPS Growth TTM (YoY)12.91%
Year-to-Date Return15.83%
5-Day Price Return-0.60%
EPS Normalized (Annual)$7.90
ROA (5Y Avg)2.27%
Net Profit Margin (Annual)23.54%
Month-to-Date Return-5.30%
Cash Flow / Share (TTM)$6.69
EBITD / Share (Annual)$12.02
EPS Growth (3Y)13.84%
Operating Margin (Annual)25.85%
LT Debt / Equity (Annual)0.04x
P/CF (TTM)2.57x
ROI (5Y Avg)18.74%
P/E Excl Extra (TTM)9.18x
LT Debt / Equity (Quarterly)0.04x
EPS Basic Excl Extra (TTM)$8.45
P/TBV (Quarterly)2.26x
Payout Ratio (Annual)2.52%
P/B Ratio (Annual)1.96x
Dividend / Share (TTM)$0.20
Pretax Margin (TTM)25.85%
Book Value / Share (Annual)$37.68
Price vs S&P 500 (13W)-23.07%
Net Margin Growth (5Y)6.87%
Dividend Yield (TTM)0.26%
Beta0.63x
P/FCF (Annual)7.34x
Revenue / Share (TTM)$26.33
ROE (TTM)22.35%
52-Week Low$65.87
vGradeB
gGradeC
mGradeD
vgmGradeC
Show chart for
Earnings Surprise History
Q2 263.35est. 3.44
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.00
4.00
4.00
4.00
Industry Peers — National Banks(117)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CASHPathward Financial, Inc. Common Stock | B | C | D | $80.91 |
| JPMJPMorgan Chase & Co. | D | C | D | $296.58 |
| BACBank of America Corporation | C | C | D | $51.51 |
| WFCWells Fargo & Co. | D | C | D | $77.17 |
| CCitigroup Inc. | C | C | A | $129.09 |
| COFCapital One Financial | C | D | F | $184.56 |
| UBSUBS Group AG | C | C | B | $47.99 |
| MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | D | B | B | $9.03 |
| PNCPNC Financial Services Group | C | C | C | $216.07 |
| USBU.S. Bancorp | C | C | C | $53.55 |
| TFCTruist Financial Corporation | B | C | D | $46.87 |
About
Pathward Financial Inc is a savings and loan holding company offering community banking and nationwide payment services. It operates through three segments: Consumer (partner-based payment and lending solutions), Commercial (business financing), and Corporate Services, with the Consumer segment generating the majority of revenue. The company provides integrated retail banking and diversified payment processing services to customers nationwide.