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Pathward Financial, Inc. Common Stock (CASH)
Price$96.95
Favorite Metrics
Price vs S&P 500 (26W)25.57%
Price vs S&P 500 (4W)0.92%
Market Capitalization$2.11B
P/E Ratio (Annual)11.33x
Indicated Dividend Yield (Annual)0.21%
All Metrics
P/CF (Annual)4.67x
Book Value / Share (Quarterly)$38.55
P/TBV (Annual)1.99x
Indicated Dividend (Annual)$0.20
Revenue Growth (3Y)10.84%
Cash Flow / Share (Quarterly)$19.25
Payout Ratio (TTM)2.40%
Price vs S&P 500 (YTD)33.17%
Net Profit Margin (TTM)23.54%
EPS (TTM)$8.24
10-Day Avg Trading Volume0.19M
EPS Excl Extra (TTM)$8.24
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)11.02x
Revenue Growth QoQ (YoY)36.67%
EPS Growth (5Y)21.30%
P/E Normalized (Annual)11.33x
ROA (Last FY)2.59%
Revenue Growth TTM (YoY)27.72%
EBITD / Share (TTM)$12.49
ROE (5Y Avg)21.29%
Operating Margin (TTM)25.85%
Cash Flow / Share (Annual)$10.39
P/B Ratio2.46x
P/B Ratio (Quarterly)1.86x
Net Income / Employee (Annual)$0
ROA (TTM)2.64%
EPS Growth QoQ (YoY)21.39%
EV / EBITDA (TTM)7.43x
EPS Incl Extra (Annual)$7.90
3-Month Avg Trading Volume0.26M
52-Week Price Return38.97%
EV / Free Cash Flow (Annual)9.04x
P/E Incl Extra (TTM)11.02x
Tangible BV / Share (Quarterly)$38.01
P/S Ratio (Annual)1.83x
52-Week High$97.14
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 Return29.56%
13-Week Price Return31.11%
Total Debt / Equity (Annual)0.05x
Enterprise Value$2,139.119
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 Dev29.85%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)9.99%
EBITDA Interim CAGR (5Y)3.63%
ROE (Last FY)21.66%
EPS Basic Excl Extra (Annual)$7.90
P/FCF (TTM)4.93x
EV / Free Cash Flow (TTM)5.01x
Total Debt / Equity (Quarterly)0.04x
EPS Incl Extra (TTM)$8.24
ROI (TTM)21.21%
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/E11.26x
Free OCF CAGR (5Y)-10.03%
Price vs S&P 500 (52W)9.14%
P/E Ratio (TTM)11.02x
EPS Growth TTM (YoY)2.78%
Year-to-Date Return35.82%
5-Day Price Return1.56%
EPS Normalized (Annual)$7.90
ROA (5Y Avg)2.27%
Net Profit Margin (Annual)23.54%
Month-to-Date Return8.07%
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)3.31x
ROI (5Y Avg)18.74%
P/E Excl Extra (TTM)11.02x
LT Debt / Equity (Quarterly)0.04x
EPS Basic Excl Extra (TTM)$8.24
P/TBV (Quarterly)1.88x
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)30.42%
Net Margin Growth (5Y)6.87%
Dividend Yield (TTM)0.22%
Beta0.76x
P/FCF (Annual)8.90x
Revenue / Share (TTM)$26.33
ROE (TTM)22.84%
52-Week Low$65.87
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
2.29
4.00
4.00
4.00
Industry Peers — National Banks(97)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CASHPathward Financial, Inc. Common Stock | 1.86x | 22.84% | 2.64% | — | $96.95 |
JPMJPMorgan Chase & Co. | 2.17x | 16.32% | 1.28% | — | $309.95 |
BACBank of America Corporation | 1.16x | 10.50% | 0.92% | — | $53.51 |
WFCWells Fargo & Co. | 1.37x | 12.02% | 1.03% | — | $81.25 |
CCitigroup Inc. | 0.92x | 7.55% | 0.60% | — | $129.34 |
COFCapital One Financial | 1.36x | 2.44% | 0.40% | — | $200.71 |
MFGMizuho Financial Group, Inc. American Depositary Shares (Each representing one-fifth of an Ordinary Share) | 1.27x | 9.73% | 0.37% | — | $8.63 |
UBSUBS Group AG | 1.64x | 8.71% | 0.48% | — | $42.72 |
PNCPNC Financial Services Group | 1.35x | 11.88% | 1.23% | — | $220.07 |
USBU.S. Bancorp | 1.23x | 12.21% | 1.13% | — | $55.48 |
TFCTruist Financial Corporation | 0.97x | 8.15% | 0.98% | — | $49.43 |
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.