Pathward Financial（CASH）株式概要パスワード・ファイナンシャル・インクは、米国で様々な銀行商品やサービスを提供するパスワード・ナショナル・アソシエーションの銀行持株会社として運営されている。 詳細CASH ファンダメンタル分析スノーフレーク・スコア評価5/6将来の成長0/6過去の実績3/6財務の健全性4/6配当金0/6報酬当社が推定した公正価値より58.1%で取引されている 過去5年間の収益は年間7.5%増加しました。 同業他社や業界と比較して、良好な取引価格 リスク分析過去3か月間に大規模なインサイダー売却が発生 すべてのリスクチェックを見るCASH Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.Analyst Price TargetsAN20.1% undervaluedAnalystConsensusTarget•28d agoDigital Banking And Embedded Finance Collaborations Will Shape Future Markets14004Top Analyst NarrativesPathward FinancialANAnalystConsensusTargetBased on Analyst Price TargetsDigital Banking And Embedded Finance Collaborations Will Shape Future MarketsKey Takeaways Strategic investments in digital banking and technology partnerships are driving growth in transaction revenue, client base, and recurring noninterest income. Operational efficiencies and share repurchases support higher margins, improved leverage, and increased shareholder returns amid strong fintech and financial inclusion trends.View narrativeUS$103.5FV20.1% 割安 内在価値ディスカウント6.00%Revenue growth p.a.Set Fair ValueView140users have viewed this narrative0users have liked this narrative0users have commented on this narrative4users have followed this narrative29 days ago author updated this narrativeView all narrativesPathward Financial, Inc. 競合他社1st SourceSymbol: NasdaqGS:SRCEMarket cap: US$1.8bBank FirstSymbol: NasdaqCM:BFCMarket cap: US$1.6bCity HoldingSymbol: NasdaqGS:CHCOMarket cap: US$1.7bGerman American BancorpSymbol: NasdaqGS:GABCMarket cap: US$1.6b価格と性能株価の高値、安値、推移の概要Pathward Financial過去の株価現在の株価US$82.6552週高値US$101.2652週安値US$65.87ベータ0.641ヶ月の変化-15.48%3ヶ月変化-13.65%1年変化6.52%3年間の変化80.89%5年間の変化57.10%IPOからの変化2,580.54%最新ニュースライブニュース • May 19Pathward Plays Key Role in Belfry and Clair’s New On-Demand Pay LaunchBelfry has launched On-Demand Pay, an earned wage access benefit that lets security officers tap a portion of their earned wages before payday. The program is powered by financial technology provider Clair, with all wage advances originated by Clair's banking partner Pathward®, N.A. On-Demand Pay is bundled into every Belfry subscription at no extra cost, requires no payroll changes, and employers are not responsible for funding advances. This partnership highlights how Pathward continues to be used as a banking backbone for third-party fintech offerings, especially in earned wage access products. Investors may want to pay attention to how Pathward’s role as an originating bank in arrangements like this relates to fee income potential and any associated credit, compliance or concentration risks tied to fintech partners.お知らせ • May 087Shifts Announces Launch of On-Demand Pay for Tips Product7shifts announced the launch of On-Demand Pay for Tips, a new product powered by Clair. The integrated solution allows restaurant employees to access a portion of their earned tips shortly after a shift, rather than waiting for a traditional pay cycle. On-Demand Pay for Tips will be fully embedded into the 7shifts platform. As employees complete shifts, available tip earnings are automatically calculated and made accessible through Clair, eliminating manual processes for operators. The launch comes as many workers continue to struggle with expenses between pay cycles. By offering optional instant access to tips at no cost to the employer, 7shifts and Clair are helping operators reduce administrative burden while giving employees greater financial flexibility when they need it most.Recent Insider Transactions • May 03Independent Director recently sold US$432k worth of stockOn the 29th of April, Douglas Hajek sold around 5k shares on-market at roughly US$86.37 per share. This transaction amounted to 29% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$1.5m. Insiders have been net sellers, collectively disposing of US$3.9m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Apr 30Independent Director notifies of intention to sell stockDouglas Hajek intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of April. If the sale is conducted around the recent share price of US$88.14, it would amount to US$441k. Since December 2025, Douglas' direct individual holding has increased from 15.63k shares to 17.28k. Company insiders have collectively sold US$3.4m more than they bought, via options and on-market transactions in the last 12 months.Seeking Alpha • Apr 28Pathward Financial: Credit Deterioration Is Concerning (Downgrade)Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking AlphaReported Earnings • Apr 24Second quarter 2026 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2026 results: EPS: US$3.37. Revenue: US$230.7m (down 3.7% from 2Q 2025). Net income: US$72.8m (down 2.5% from 2Q 2025). Profit margin: 32% (in line with 2Q 2025). Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.8% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US.最新情報をもっと見るRecent updatesライブニュース • May 19Pathward Plays Key Role in Belfry and Clair’s New On-Demand Pay LaunchBelfry has launched On-Demand Pay, an earned wage access benefit that lets security officers tap a portion of their earned wages before payday. The program is powered by financial technology provider Clair, with all wage advances originated by Clair's banking partner Pathward®, N.A. On-Demand Pay is bundled into every Belfry subscription at no extra cost, requires no payroll changes, and employers are not responsible for funding advances. This partnership highlights how Pathward continues to be used as a banking backbone for third-party fintech offerings, especially in earned wage access products. Investors may want to pay attention to how Pathward’s role as an originating bank in arrangements like this relates to fee income potential and any associated credit, compliance or concentration risks tied to fintech partners.お知らせ • May 087Shifts Announces Launch of On-Demand Pay for Tips Product7shifts announced the launch of On-Demand Pay for Tips, a new product powered by Clair. The integrated solution allows restaurant employees to access a portion of their earned tips shortly after a shift, rather than waiting for a traditional pay cycle. On-Demand Pay for Tips will be fully embedded into the 7shifts platform. As employees complete shifts, available tip earnings are automatically calculated and made accessible through Clair, eliminating manual processes for operators. The launch comes as many workers continue to struggle with expenses between pay cycles. By offering optional instant access to tips at no cost to the employer, 7shifts and Clair are helping operators reduce administrative burden while giving employees greater financial flexibility when they need it most.Recent Insider Transactions • May 03Independent Director recently sold US$432k worth of stockOn the 29th of April, Douglas Hajek sold around 5k shares on-market at roughly US$86.37 per share. This transaction amounted to 29% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$1.5m. Insiders have been net sellers, collectively disposing of US$3.9m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Apr 30Independent Director notifies of intention to sell stockDouglas Hajek intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of April. If the sale is conducted around the recent share price of US$88.14, it would amount to US$441k. Since December 2025, Douglas' direct individual holding has increased from 15.63k shares to 17.28k. Company insiders have collectively sold US$3.4m more than they bought, via options and on-market transactions in the last 12 months.Seeking Alpha • Apr 28Pathward Financial: Credit Deterioration Is Concerning (Downgrade)Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking AlphaReported Earnings • Apr 24Second quarter 2026 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2026 results: EPS: US$3.37. Revenue: US$230.7m (down 3.7% from 2Q 2025). Net income: US$72.8m (down 2.5% from 2Q 2025). Profit margin: 32% (in line with 2Q 2025). Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.8% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US.ナラティブの更新 • Apr 23CASH: Partner Wins And Tax Season Strength Will Support Fairly Valued Upside PotentialThe analyst price target for Pathward Financial has shifted to $107. Analysts cite above-peer returns, a below-peer 10x 2026 P/E multiple, and potential upside from conservative estimates and additional partner wins as key drivers of this change.お知らせ • Apr 09Pathward Financial, Inc. to Report Q2, 2026 Results on Apr 22, 2026Pathward Financial, Inc. announced that they will report Q2, 2026 results After-Market on Apr 22, 2026ナラティブの更新 • Apr 09CASH: Partner Wins And Tax Season Strength Will Support Fairly Priced ReturnsAnalysts have kept their average price target for Pathward Financial roughly unchanged at about $103.50, with recent research pointing to above peer returns, a below peer 10x 2026 P/E, and potential upside from partner wins and a strong Q1 tax season. Analyst Commentary Recent research focuses on how Pathward Financial’s return profile, valuation, and near term catalysts fit together, with most commentary pointing to a constructive setup but also highlighting a few areas to watch.ナラティブの更新 • Mar 25CASH: Partner Wins And Tax Season Strength Will Drive P E Re RatingNarrative update The fair value estimate for Pathward Financial has been revised to $103.50 from $100.00 as analysts factor in recent Overweight and Outperform views, a $107 price target, and expectations that above peer returns and potential partner wins could support a higher future P/E multiple. Analyst Commentary Recent research updates highlight a mix of optimism around Pathward Financial’s earnings power and valuation, alongside some areas where expectations could prove too optimistic if business conditions or partner activity do not line up with forecasts.ナラティブの更新 • Mar 10CASH: Buybacks And Auditor Shift Will Shape Future P E Re Rating ProfileAnalysts have adjusted their price target on Pathward Financial to $100, largely reflecting updated views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions following recent research that included an upgrade to Outperform by Keefe Bruyette analysts. Analyst Commentary Recent research behind the move to a US$100 price target reflects a mix of optimism about Pathward Financial’s positioning and some caution around execution and valuation risks.Recent Insider Transactions • Mar 02CEO & Director recently sold US$1.5m worth of stockOn the 23rd of February, Brett Pharr sold around 16k shares on-market at roughly US$93.88 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Brett has been a net seller over the last 12 months, reducing personal holdings by US$2.3m.Board Change • Mar 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Director Neeraj Mehta was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.お知らせ • Feb 26Pathward Financial, Inc. Declares Cash Dividend for the Second Quarter of Fiscal Year 2026, Payable on April 1, 2026Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2026. This dividend will be payable on April 1, 2026 to shareholders of record as of March 12, 2026.ナラティブの更新 • Feb 24CASH: Buybacks And Auditor Change Will Shape Future P E Re Rating ProfileAnalysts have revised their price target on Pathward Financial to reflect an updated future P/E assumption of 11.55 from 10.91, with the change supported by recent research that includes an upgrade to Outperform. Analyst Commentary Analysts updating their outlook on Pathward Financial are using the higher future P/E assumption of 11.55 to frame both the upside potential and the execution risks that could affect whether the company grows into that valuation.Recent Insider Transactions • Feb 12Independent Director recently sold US$282k worth of stockOn the 9th of February, Kendall Stork sold around 3k shares on-market at roughly US$94.15 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$3.4m more than they bought in the last 12 months.Recent Insider Transactions Derivative • Feb 10Independent Director notifies of intention to sell stockKendall Stork intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 9th of February. If the sale is conducted around the recent share price of US$94.07, it would amount to US$282k. Since March 2025, Kendall's direct individual holding has decreased from 18.00k shares to 13.00k. Company insiders have collectively sold US$3.1m more than they bought, via options and on-market transactions in the last 12 months.ナラティブの更新 • Feb 09CASH: Buybacks And Auditor Change Will Shape Future Re Rating Risk ProfileNarrative Update on Pathward Financial The analyst price target for Pathward Financial has been revised to US$100.00 from US$100.00, and analysts cite updated assumptions around revenue growth, profit margins, and a slightly lower future P/E multiple as the key drivers behind this change. Analyst Commentary Bullish analysts framing the recent upgrade highlight how the updated assumptions on growth, margins, and the future P/E multiple still leave room for the stock to work if management delivers consistently on its plan.Price Target Changed • Jan 25Price target increased by 14% to US$100.00Up from US$88.00, the current price target is provided by 1 analyst. New target price is 17% above last closing price of US$85.72. Stock is up 7.5% over the past year. The company is forecast to post earnings per share of US$8.64 for next year compared to US$7.91 last year.Reported Earnings • Jan 25First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2026 results: EPS: US$1.57 (up from US$1.23 in 1Q 2025). Revenue: US$169.9m (up 3.6% from 1Q 2025). Net income: US$35.1m (up 18% from 1Q 2025). Profit margin: 21% (up from 18% in 1Q 2025). Revenue missed analyst estimates by 6.8%. Earnings per share (EPS) exceeded analyst estimates by 14%. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 9.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 20% per year.ナラティブの更新 • Jan 24CASH: Lower Discount Rate And Buybacks Will Support Re RatingAnalysts have raised their price target on Pathward Financial from US$88 to US$100, citing updated assumptions around fair value, discount rate, revenue growth, profit margins, and future P/E following recent research upgrades. Analyst Commentary Recent research updates highlight a shift in sentiment toward Pathward Financial, with some analysts adopting a more constructive stance on execution and valuation.お知らせ • Jan 15Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026.Reported Earnings • Nov 26Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: EPS: US$7.92 (up from US$6.63 in FY 2024). Revenue: US$783.1m (up 10% from FY 2024). Net income: US$185.2m (up 11% from FY 2024). Profit margin: 24% (in line with FY 2024). Net interest margin (NIM): 7.34% (up from 6.42% in FY 2024). Non-performing loans: 2.13% (up from 1.02% in FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 3.8%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 8.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 16% per year whereas the company’s share price has increased by 18% per year.Declared Dividend • Nov 23Fourth quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th December 2025 Payment date: 2nd January 2026 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%.お知らせ • Nov 21Pathward Financial, Inc. Declares Cash Dividend for the First Quarter of Fiscal Year 2026, Payable on January 2, 2026Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first quarter of fiscal year 2026. This dividend will be payable on January 2, 2026 to shareholders of record as of December 10, 2025.お知らせ • Oct 22Pathward Financial, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended September 30, 2025Pathward Financial, Inc. announced net charge-offs for the fourth quarter ended September 30, 2025. The Company recognized net charge-offs of $46.2 million for the quarter ended September 30, 2025, compared to net charge-offs of $44.0 million for the quarter ended September 30, 2024.お知らせ • Oct 08Pathward Financial, Inc. to Report Q4, 2025 Results on Oct 21, 2025Pathward Financial, Inc. announced that they will report Q4, 2025 results After-Market on Oct 21, 2025お知らせ • Sep 03Pathward Financial, Inc. Receives Non-Compliance Notice from NasdaqOn August 26, 2025, Pathward Financial, Inc. ("Pathward Financial" or the Company") received an expected notice (the Notice") from the Listing Qualifications Department of the Nasdaq Stock Market LLC (Nasdaq"), indicating that the Company is not in compliance with Nasdaq Listing Rule 5250(c)(1) (the Listing Rule") as a result of its failure to timely file its Quarterly Report on Form 10-Q (Form 10-Q") for the fiscal quarter ended June 30, 2025, as described more fully in the Company's Form 12b-25 Notification of Late Filing filed with the Securities and Exchange Commission (the SEC") on August 11, 2025 (the Form 12b-25"). The Listing Rule requires listed companies to timely file all periodic reports with the SEC. The Company previously reported that it had received a similar Notice from Nasdaq on May 22, 2025 as a result of its failure to timely file its Form 10-Q for the fiscal quarter ended March 31, 2025. In accordance with Nasdaq's listing rules, the Company submitted a plan to regain compliance with the Listing Rule to Nasdaq, and Nasdaq granted the Company an extension to regain compliance with the Listing Rule until November 13, 2025. The Notice has no immediate effect on the listing or trading of the Company's common stock on Nasdaq. The Company filed its amended Form 10-K for the fiscal year ended September 30, 2024 on August 29, 2025. As disclosed in the Form 12b-25 and the Company's Form 8-K filed on July 2, 2025, the Company is also in the process of amending its Form 10-Q for the fiscal quarter ended December 31, 2024 to restate certain financial statements contained therein and filing its Form 10-Qs for the fiscal quarters ended March 31, 2025 and June 30, 2025; respectively. The restatements related to the Company's gross vs. net basis presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Consumer Solutions business, within held-for-investment loan balances. In accordance with the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance with the Listing Rule. Pursuant to the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance, but Nasdaq will not further extend the deadline for compliance. The Company intends to take the necessary steps to regain compliance with Nasdaq's listing rules as soon as practicable and in any event prior to the November 13, 2025 deadline.お知らせ • Aug 21Pathward Financial, Inc. Declares Cash Dividend for the Fourth Quarter of Fiscal Year 2025, Payable on October 1, 2025Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth quarter of fiscal year 2025. This dividend will be payable on October 1, 2025 to shareholders of record as of September 10, 2025.お知らせ • Aug 12Pathward Financial, Inc. announced delayed 10-Q filingOn 08/11/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.お知らせ • Aug 08Pathward Financial, Inc. Appoints Charles Ingram as Executive Vice President and Chief Information and Operations OfficerPathward Financial, Inc. announced that Charles Ingram has been appointed Executive Vice President and Chief Information and Operations Officer at Pathward, N.A. Ingram continues to report to Pathward’s Chief Executive Officer, Brett Pharr, in his new role, where he leads Pathward’s technology, security, artificial intelligence, data and analytics teams as well as product management, strategic business operations, and business transformation. Ingram joined Pathward in 2020 as Executive Vice President and Chief Information Officer and later served as Executive Vice President and Chief Technology and Product Officer from October 2021 until July 2025. His leadership experience in technology spans over three decades and includes leadership roles with another financial institution and other well-known brands. He earned a Master of Business Administration from Wake Forest University in Winston-Salem, North Carolina, and an Interdisciplinary Bachelor of Arts in Business Administration and Computer Science from Furman University in Greenville, South Carolina. Ingram’s recognition includes various awards, such as the 2022 Arizona CIO ORBIE Award for his work with Pathward. He is also a founding Advisory Board Member of the Arizona CIO Council.お知らせ • Jul 29Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pathward Financial, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company recognized recognized net charge-offs of $6.1 million for the quarter ended June 30, 2025, compared to net charge-offs of $16.2 million for the quarter ended June 30, 2024.お知らせ • Jul 25Pathward Financial, Inc. to Report Q3, 2025 Results on Jul 28, 2025Pathward Financial, Inc. announced that they will report Q3, 2025 results After-Market on Jul 28, 2025お知らせ • Jun 30+ 4 more updatesPathward Financial, Inc.(NasdaqGS:CASH) dropped from Russell 2000 Value IndexPathward Financial, Inc.(NasdaqGS:CASH) dropped from Russell 2000 Value Indexお知らせ • May 22Pathward Financial, Inc. Announces Cash Dividend for the Third Quarter of 2025, Payable on July 1, 2025Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third quarter of fiscal year 2025. This dividend will be payable on July 1, 2025 to shareholders of record as of June 13, 2025.お知らせ • May 13Pathward Financial, Inc. announced delayed 10-Q filingOn 05/12/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.Recent Insider Transactions • Apr 30CEO & Director recently sold US$809k worth of stockOn the 25th of April, Brett Pharr sold around 10k shares on-market at roughly US$78.07 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Brett's only on-market trade for the last 12 months.Reported Earnings • Apr 23Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$3.13 (up from US$2.56 in 2Q 2024). Revenue: US$233.0m (up 5.3% from 2Q 2024). Net income: US$74.0m (up 14% from 2Q 2024). Profit margin: 32% (up from 29% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 8.7% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 23Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended March 31, 2025Pathward Financial, Inc. reported net charge-Offs for the quarter ended March 31, 2025. The Company recognized net charge-offs of $0.1 million for the quarter ended March 31, 2025, compared to net recoveries of $1.1 million for the quarter ended March 31, 2024.お知らせ • Apr 09Pathward Financial, Inc. to Report Q2, 2025 Results on Apr 22, 2025Pathward Financial, Inc. announced that they will report Q2, 2025 results After-Market on Apr 22, 2025Declared Dividend • Mar 03First quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 13th March 2025 Payment date: 1st April 2025 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%.お知らせ • Feb 27Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2025, Payable on April 1, 2025Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2025. This dividend will be payable on April 1, 2025 to shareholders of record as of March 13, 2025.Reported Earnings • Jan 22First quarter 2025 earnings: EPS misses analyst expectationsFirst quarter 2025 results: EPS: US$1.26 (up from US$1.06 in 1Q 2024). Revenue: US$161.5m (up 5.6% from 1Q 2024). Net income: US$31.3m (up 14% from 1Q 2024). Profit margin: 19% (up from 18% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 9.4%. Revenue is forecast to grow 8.8% p.a. on average during the next 2 years, compared to a 7.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 11% per year.お知らせ • Jan 22+ 1 more updatePathward Financial, Inc. Reaffirms Earnings Guidance for the Fiscal Year 2025Pathward Financial, Inc. reaffirmed earnings guidance for the fiscal year 2025. The company reiterating fiscal 2025 guidance of $7.25 to $7.75 earnings per diluted share.お知らせ • Jan 16Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025.お知らせ • Jan 08Pathward Financial, Inc. to Report Q1, 2025 Results on Jan 21, 2025Pathward Financial, Inc. announced that they will report Q1, 2025 results After-Market on Jan 21, 2025Seeking Alpha • Dec 26Pathward Financial: Strong Growth At A Fair PriceSummary Pathward's business has an unusually heavy reliance on debit card fee income which has helped it deliver great value to shareholders by growing at a fast pace. The growth prospects overshadow the risks that are currently present and the strong past performance is likely to persist given a lower pace of rate cuts for 2025. Valuation appears to be fair within the context of Pathward's business and its growth potential and recent price developments indicate an opportunity. Read the full article on Seeking AlphaReported Earnings • Nov 29Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$711.0m (up 10% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 24% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 6.42% (up from 6.05% in FY 2023). Non-performing loans: 1.02% (down from 1.29% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.3% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 14% per year.Declared Dividend • Nov 25Fourth quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th December 2024 Payment date: 2nd January 2025 Dividend yield will be 0.2%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%.お知らせ • Nov 21Pathward Financial, Inc. Announces Cash Dividend for the First Fiscal Quarter of 2025, Payable on January 2, 2025Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2025. This dividend will be payable on January 2, 2025 to shareholders of record as of December 10, 2024.Recent Insider Transactions Derivative • Nov 14CEO & Director notifies of intention to sell stockBrett Pharr intends to sell 12k shares in the next 90 days after lodging an Intent To Sell Form on the 13th of November. If the sale is conducted around the recent share price of US$70.78, it would amount to US$814k. For the year to September 2019, Brett's total compensation was 18% salary and 82% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2023, Brett's direct individual holding has increased from 44.26k shares to 53.66k. Company insiders have collectively sold US$1.3m more than they bought, via options and on-market transactions in the last 12 months.Valuation Update With 7 Day Price Move • Nov 11Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$81.54, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 13x in the Banks industry in the US. Total returns to shareholders of 26% over the past three years.お知らせ • Oct 26Pathward Financial, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended September 30, 2024Pathward Financial, Inc. reported net charge-offs for the fourth quarter ended September 30, 2024. The Company recognized net charge-offs of $35.6 million for the quarter ended September 30, 2024, compared to net charge-offs of $41.3 million for the quarter ended September 30, 2023.Reported Earnings • Oct 24Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$712.0m (up 11% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 23% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.1% p.a. on average during the next 2 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 8% per year.お知らせ • Oct 24Pathward Financial, Inc. Provides Earnings Guidance for the Fiscal 2025Pathward Financial, Inc. provided earnings guidance for the fiscal 2025. For the year, the company expects GAAP earnings per diluted share to a range of $7.10 to $7.60 which does not include the impact of the sale of the commercial insurance premium finance business.お知らせ • Oct 10Pathward Financial, Inc. to Report Q4, 2024 Results on Oct 23, 2024Pathward Financial, Inc. announced that they will report Q4, 2024 results After-Market on Oct 23, 2024新しいナラティブ • Sep 24Innovative Banking Tech Powers Profit And Expands Market Footprint Pathward Financial's focus on loan sourcing and underwriting optimization promises higher risk-adjusted returns, boosting profitability.Recent Insider Transactions • Sep 17President recently sold US$206k worth of stockOn the 13th of September, Anthony Sharett sold around 3k shares on-market at roughly US$66.40 per share. This transaction amounted to 9.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Anthony has been a net seller over the last 12 months, reducing personal holdings by US$253k.Seeking Alpha • Sep 11Pathward Financial: A Profitable Bank Priced For A Collapse In ProfitabilitySummary Pathward Financial has increased its NOPAT and ROIC despite declining revenues, showcasing improved profitability and efficient capital allocation. The firm’s stable deposit portfolio and significant non-interest income make it resilient to economic volatility and lower interest rates. Pathward has generated nearly 40% of its market cap in free cash flow since 2019, highlighting strong financial health. Trading at a significant discount, Pathward offers a compelling investment opportunity with a 35% upside to its zero-growth value. Read the full article on Seeking AlphaRecent Insider Transactions Derivative • Sep 08President notifies of intention to sell stockAnthony Sharett intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of September. If the sale is conducted around the recent share price of US$68.24, it would amount to US$212k. Since September 2023, Anthony's direct individual holding has increased from 28.70k shares to 33.15k. Company insiders have collectively sold US$863k more than they bought, via options and on-market transactions in the last 12 months.Declared Dividend • Aug 25Third quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th September 2024 Payment date: 1st October 2024 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 3%.お知らせ • Aug 22Pathward Financial, Inc. Declares Cash Dividend for the Fourth Fiscal Quarter of 2024, Payable on October 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2024. This dividend will be payable on October 1, 2024 to shareholders of record as of September 10, 2024.Price Target Changed • Jul 25Price target increased by 11% to US$71.00Up from US$64.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$68.21. Stock is up 29% over the past year. The company is forecast to post earnings per share of US$6.55 for next year compared to US$6.01 last year.Seeking Alpha • Jul 14Pathward Financial: After A Nice Move Higher, Shares Justify Even More UpsideSummary Pathward Financial shares have increased by 14.5% since April, outperforming the S&P 500. The company continues to show attractive growth in net interest income and non-interest income. Asset quality is high, with strong returns on assets and equity, making Pathward Financial a solid buy opportunity. Read the full article on Seeking Alphaお知らせ • Jul 11Pathward Financial, Inc. to Report Q3, 2024 Results on Jul 24, 2024Pathward Financial, Inc. announced that they will report Q3, 2024 results After-Market on Jul 24, 2024分析記事 • Jun 15Here's Why Pathward Financial (NASDAQ:CASH) Has Caught The Eye Of InvestorsInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Upcoming Dividend • Jun 04Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 11 June 2024. Payment date: 01 July 2024. Payout ratio is a comfortable 3.0% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.0%).Declared Dividend • May 12Second quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 11th June 2024 Payment date: 1st July 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%.お知らせ • May 10Pathward Financial, Inc. Declares Cash Dividend for the Third Fiscal Quarter of 2024, Payable on July 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2024. This dividend will be payable on July 1, 2024 to shareholders of record as of June 11, 2024.Reported Earnings • Apr 26Second quarter 2024 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2024 results: EPS: US$2.56 (up from US$1.99 in 2Q 2023). Revenue: US$221.2m (up 16% from 2Q 2023). Net income: US$64.7m (up 20% from 2Q 2023). Profit margin: 29% (up from 28% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.7%. Earnings per share (EPS) also surpassed analyst estimates by 9.1%. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 26Pathward Financial, Inc. Provides Earning Guidance for the Year 2024Pathward Financial, Inc. provided earning guidance for the year 2024. For the period, the company expects earnings per diluted share guidance to a range of $6.30 to $6.60. As part of this guidance, the Company is reiterating its expectation that the annual effective tax rate in fiscal year 2024 will be in a range between 16% and 20%.お知らせ • Apr 11Pathward Financial, Inc. to Report Q2, 2024 Results on Apr 24, 2024Pathward Financial, Inc. announced that they will report Q2, 2024 results After-Market on Apr 24, 2024Seeking Alpha • Apr 08Pathward Financial: Bullish Stance UnchangedSummary Pathward Financial, Inc. stock has underperformed in recent months, with only a 6.4% increase compared to the S&P 500's 19% increase. Despite the underperformance, the company's financial results show positive growth in net interest income and asset value. Pathward Financial shares are undervalued, and the company's high-quality assets suggest potential for future growth. Read the full article on Seeking Alpha分析記事 • Mar 14We Ran A Stock Scan For Earnings Growth And Pathward Financial (NASDAQ:CASH) Passed With EaseThe excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Declared Dividend • Mar 04First quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 11th March 2024 Payment date: 1st April 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%.お知らせ • Feb 29Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2024, Payable on April 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2024. This dividend will be payable on April 1, 2024 to shareholders of record as of March 12, 2024.Reported Earnings • Jan 25First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$1.06. Revenue: US$152.9m (up 9.2% from 1Q 2023). Net income: US$27.4m (flat on 1Q 2023). Profit margin: 18% (down from 20% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.2%. Earnings per share (EPS) also missed analyst estimates by 15%. Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 5.4% growth forecast for the Banks industry in the US.お知らせ • Jan 25+ 1 more updatePathward Financial, Inc. Reports Net Charge-Offs for the First Quarter Ended December 31, 2023Pathward Financial, Inc. reported net charge-offs for the first quarter ended December 31, 2023. For the quarter, the company reported net charge-offs of $5.5 million compared to $3.2 million for the quarter ended December 31, 2022.お知らせ • Jan 18Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024, at 09:00 Central Standard Time. Agenda: To elect one director for a term of two years ending in 2026 and two directors for a term of three years ending in 2027, until their successors are elected and duly qualified; to approve, by a non-binding advisory vote, the compensation of named executive officers; to approve the Pathward Financial, Inc. 2023 Omnibus Incentive Plan and to ratify the appointment by the Board of Directors of the independent registered public accounting firm Crowe LLP as the independent auditors of Pathward Financial’s financial statements for the fiscal year ending September 30, 2024.お知らせ • Jan 11Pathward Financial, Inc. to Report Q1, 2024 Results on Jan 24, 2024Pathward Financial, Inc. announced that they will report Q1, 2024 results After-Market on Jan 24, 2024Upcoming Dividend • Dec 04Upcoming dividend of US$0.05 per share at 0.4% yieldEligible shareholders must have bought the stock before 11 December 2023. Payment date: 02 January 2024. Payout ratio is a comfortable 3.3% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.5%).Recent Insider Transactions • Dec 03Executive VP & Executive Advisor to CEO recently sold US$708k worth of stockOn the 1st of December, Glen Herrick sold around 14k shares on-market at roughly US$50.50 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.3m more than they bought in the last 12 months.お知らせ • Nov 17Pathward Financial, Inc. Declares Cash Dividend for the First Fiscal Quarter of 2024, Payable on January 2, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2024. This dividend will be payable on January 2, 2024 to shareholders of record as of December 12, 2023.分析記事 • Oct 31Here's Why We Think Pathward Financial (NASDAQ:CASH) Is Well Worth WatchingInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Reported Earnings • Oct 26Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$6.01 (up from US$5.26 in FY 2022). Revenue: US$643.9m (up 12% from FY 2022). Net income: US$161.2m (up 4.8% from FY 2022). Profit margin: 25% (down from 27% in FY 2022). The decrease in margin was driven by higher expenses. Non-performing loans: 1.29% (up from 0.83% in FY 2022). Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 1.8%. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year and the company’s share price has also increased by 17% per year.お知らせ • Oct 26Pathward Financial, Inc. Raises Earnings Guidance for the Fiscal Year 2024Pathward Financial, Inc. raised earnings guidance for the fiscal year 2024. The company is raising fiscal year 2024 GAAP earnings per diluted share guidance to a range of $6.20 to $6.70.お知らせ • Oct 12Pathward Financial, Inc. to Report Q4, 2023 Results on Oct 25, 2023Pathward Financial, Inc. announced that they will report Q4, 2023 results After-Market on Oct 25, 2023お知らせ • Oct 06Pathward Financial, Inc. Announces Executive ChangesPathward Financial, Inc. announced that Greg Sigrist has been appointed chief financial officer (“CFO”) - designee, beginning Nov. 1, 2023. Immediately after the filing of the Company’s Form 10-K for fiscal year 2023, Mr. Sigrist will transition to EVP, CFO, when he will succeed Glen Herrick, who will remain with the Company to aid in the transition and other projects until his retirement on December 31, 2023. Mr. Sigrist joins the Company after serving as EVP and CFO of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank for the past three years. Before joining Metropolitan, he served as the EVP and CFO of Columbia Banking System, Inc., from June 2018 until February 2020. Mr. Sigrist also spent 12 years with Morgan Stanley as a managing director in a number of senior financial roles, including CFO of Morgan Stanley Bank, N.A. from 2014 to early 2018. Prior to that, he served for five years as Vice President, Corporate Accounting Policy/M&A Finance with Citigroup. Mr. Sigrist built the foundation of his career spending 12 years between Ernst & Young and McGladrey & Pullen in senior auditing roles of financial services clients, including regional and community banks. Mr. Sigrist received a B.S. in Accounting with University Honors from Illinois State University and is a Certified Public Accountant.Upcoming Dividend • Sep 04Upcoming dividend of US$0.05 per share at 0.4% yieldEligible shareholders must have bought the stock before 11 September 2023. Payment date: 02 October 2023. Payout ratio is a comfortable 3.7% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.6%).お知らせ • Aug 26Pathward Financial, Inc. Announces Cash Dividend for Fourth Fiscal Quarter of 2023, Payable on October 2, 2023Pathward Financial, Inc. announced that it will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2023 on October 2, 2023 to shareholders of record as of September 12, 2023.株主還元CASHUS BanksUS 市場7D1.7%1.9%-0.3%1Y6.5%20.9%26.7%株主還元を見る業界別リターン: CASH過去 1 年間で20.9 % の収益を上げたUS Banks業界を下回りました。リターン対市場: CASHは、過去 1 年間で26.7 % のリターンを上げたUS市場を下回りました。価格変動Is CASH's price volatile compared to industry and market?CASH volatilityCASH Average Weekly Movement4.6%Banks Industry Average Movement3.5%Market Average Movement7.2%10% most volatile stocks in US Market16.2%10% least volatile stocks in US Market3.2%安定した株価: CASH 、 US市場と比較して、過去 3 か月間で大きな価格変動はありませんでした。時間の経過による変動: CASHの 週次ボラティリティ ( 5% ) は過去 1 年間安定しています。会社概要設立従業員CEO（最高経営責任者ウェブサイト19541,182Brett Pharrwww.pathwardfinancial.comパスワード・ファイナンシャル・インクは、米国で様々な銀行商品やサービスを提供するパスワード・ナショナル・アソシエーションの銀行持株会社として運営されている。同社は3つのセグメントを通じて事業を展開している：消費者、商業、法人サービス／その他。同社は要求払い預金口座、普通預金口座、マネーマーケット普通預金口座を提供している。また、ターム・ローン、アセット・ベース・レンディング、ファクタリング、リース・ファイナンス、保険料ファイナンス、政府保証付き融資、その他の商業金融商品、割賦およびリボルビングの消費者向け融資商品、短期還付金前払いローンや短期電子申告オリジネーター前払いローンなどの税務サービス、倉庫融資サービスも提供している。さらに、クレジットカードやデビットカードによる支払いの受付、処理、決済、独立型ATM向け金融処理サービス、デジタル決済、加盟店サービスなどの決済ソリューションを提供するほか、デビットカードやプリペイドカードの発行も行っている。同社は以前はMeta Financial Group, Inc.として知られていたが、2022年7月にPathward Financial, Inc.に社名を変更した。パスワード・ファイナンシャル・インクは1954年に設立され、サウスダコタ州スーフォールズに本拠を置く。もっと見るPathward Financial, Inc. 基礎のまとめPathward Financial の収益と売上を時価総額と比較するとどうか。CASH 基礎統計学時価総額US$1.74b収益（TTM）US$188.61m売上高(TTM)US$777.18m9.3xPER（株価収益率2.0xPBR（株価純資産倍率CASH は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計CASH 損益計算書（TTM）収益US$777.18m売上原価US$0売上総利益US$777.18mその他の費用US$588.57m収益US$188.61m直近の収益報告Mar 31, 2026次回決算日該当なし一株当たり利益（EPS）8.93グロス・マージン100.00%純利益率24.27%有利子負債／自己資本比率7.0%CASH の長期的なパフォーマンスは？過去の実績と比較を見る配当金0.2%現在の配当利回り2%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 23:31終値2026/05/21 00:00収益2026/03/31年間収益2025/09/30データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Pathward Financial, Inc. 3 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。7 アナリスト機関Stephen MossB. Riley Securities, Inc.Timothy SwitzerKeefe, Bruyette, & WoodsChristopher McGrattyKeefe, Bruyette, & Woods4 その他のアナリストを表示
ライブニュース • May 19Pathward Plays Key Role in Belfry and Clair’s New On-Demand Pay LaunchBelfry has launched On-Demand Pay, an earned wage access benefit that lets security officers tap a portion of their earned wages before payday. The program is powered by financial technology provider Clair, with all wage advances originated by Clair's banking partner Pathward®, N.A. On-Demand Pay is bundled into every Belfry subscription at no extra cost, requires no payroll changes, and employers are not responsible for funding advances. This partnership highlights how Pathward continues to be used as a banking backbone for third-party fintech offerings, especially in earned wage access products. Investors may want to pay attention to how Pathward’s role as an originating bank in arrangements like this relates to fee income potential and any associated credit, compliance or concentration risks tied to fintech partners.
お知らせ • May 087Shifts Announces Launch of On-Demand Pay for Tips Product7shifts announced the launch of On-Demand Pay for Tips, a new product powered by Clair. The integrated solution allows restaurant employees to access a portion of their earned tips shortly after a shift, rather than waiting for a traditional pay cycle. On-Demand Pay for Tips will be fully embedded into the 7shifts platform. As employees complete shifts, available tip earnings are automatically calculated and made accessible through Clair, eliminating manual processes for operators. The launch comes as many workers continue to struggle with expenses between pay cycles. By offering optional instant access to tips at no cost to the employer, 7shifts and Clair are helping operators reduce administrative burden while giving employees greater financial flexibility when they need it most.
Recent Insider Transactions • May 03Independent Director recently sold US$432k worth of stockOn the 29th of April, Douglas Hajek sold around 5k shares on-market at roughly US$86.37 per share. This transaction amounted to 29% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$1.5m. Insiders have been net sellers, collectively disposing of US$3.9m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Apr 30Independent Director notifies of intention to sell stockDouglas Hajek intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of April. If the sale is conducted around the recent share price of US$88.14, it would amount to US$441k. Since December 2025, Douglas' direct individual holding has increased from 15.63k shares to 17.28k. Company insiders have collectively sold US$3.4m more than they bought, via options and on-market transactions in the last 12 months.
Seeking Alpha • Apr 28Pathward Financial: Credit Deterioration Is Concerning (Downgrade)Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking Alpha
Reported Earnings • Apr 24Second quarter 2026 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2026 results: EPS: US$3.37. Revenue: US$230.7m (down 3.7% from 2Q 2025). Net income: US$72.8m (down 2.5% from 2Q 2025). Profit margin: 32% (in line with 2Q 2025). Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.8% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US.
ライブニュース • May 19Pathward Plays Key Role in Belfry and Clair’s New On-Demand Pay LaunchBelfry has launched On-Demand Pay, an earned wage access benefit that lets security officers tap a portion of their earned wages before payday. The program is powered by financial technology provider Clair, with all wage advances originated by Clair's banking partner Pathward®, N.A. On-Demand Pay is bundled into every Belfry subscription at no extra cost, requires no payroll changes, and employers are not responsible for funding advances. This partnership highlights how Pathward continues to be used as a banking backbone for third-party fintech offerings, especially in earned wage access products. Investors may want to pay attention to how Pathward’s role as an originating bank in arrangements like this relates to fee income potential and any associated credit, compliance or concentration risks tied to fintech partners.
お知らせ • May 087Shifts Announces Launch of On-Demand Pay for Tips Product7shifts announced the launch of On-Demand Pay for Tips, a new product powered by Clair. The integrated solution allows restaurant employees to access a portion of their earned tips shortly after a shift, rather than waiting for a traditional pay cycle. On-Demand Pay for Tips will be fully embedded into the 7shifts platform. As employees complete shifts, available tip earnings are automatically calculated and made accessible through Clair, eliminating manual processes for operators. The launch comes as many workers continue to struggle with expenses between pay cycles. By offering optional instant access to tips at no cost to the employer, 7shifts and Clair are helping operators reduce administrative burden while giving employees greater financial flexibility when they need it most.
Recent Insider Transactions • May 03Independent Director recently sold US$432k worth of stockOn the 29th of April, Douglas Hajek sold around 5k shares on-market at roughly US$86.37 per share. This transaction amounted to 29% of their direct individual holding at the time of the trade. In the last 3 months, there was an even bigger sale from another insider worth US$1.5m. Insiders have been net sellers, collectively disposing of US$3.9m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Apr 30Independent Director notifies of intention to sell stockDouglas Hajek intends to sell 5k shares in the next 90 days after lodging an Intent To Sell Form on the 29th of April. If the sale is conducted around the recent share price of US$88.14, it would amount to US$441k. Since December 2025, Douglas' direct individual holding has increased from 15.63k shares to 17.28k. Company insiders have collectively sold US$3.4m more than they bought, via options and on-market transactions in the last 12 months.
Seeking Alpha • Apr 28Pathward Financial: Credit Deterioration Is Concerning (Downgrade)Summary Pathward Financial is downgraded to "Sell" due to deteriorating credit quality and insufficient loan loss reserves. Despite stable capital ratios and aggressive buybacks, NPLs have nearly tripled to 2.39%, with reserves now covering less than 1x NPLs. Loan growth remains robust, but underwriting standards appear lax, increasing exposure to riskier credits as government guarantees decline. At 10x earnings, valuation is seen as full; a more attractive entry would be near $70 or 8x earnings given elevated credit risk. Read the full article on Seeking Alpha
Reported Earnings • Apr 24Second quarter 2026 earnings: EPS in line with analyst expectations despite revenue beatSecond quarter 2026 results: EPS: US$3.37. Revenue: US$230.7m (down 3.7% from 2Q 2025). Net income: US$72.8m (down 2.5% from 2Q 2025). Profit margin: 32% (in line with 2Q 2025). Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 7.8% p.a. on average during the next 2 years, compared to a 8.3% growth forecast for the Banks industry in the US.
ナラティブの更新 • Apr 23CASH: Partner Wins And Tax Season Strength Will Support Fairly Valued Upside PotentialThe analyst price target for Pathward Financial has shifted to $107. Analysts cite above-peer returns, a below-peer 10x 2026 P/E multiple, and potential upside from conservative estimates and additional partner wins as key drivers of this change.
お知らせ • Apr 09Pathward Financial, Inc. to Report Q2, 2026 Results on Apr 22, 2026Pathward Financial, Inc. announced that they will report Q2, 2026 results After-Market on Apr 22, 2026
ナラティブの更新 • Apr 09CASH: Partner Wins And Tax Season Strength Will Support Fairly Priced ReturnsAnalysts have kept their average price target for Pathward Financial roughly unchanged at about $103.50, with recent research pointing to above peer returns, a below peer 10x 2026 P/E, and potential upside from partner wins and a strong Q1 tax season. Analyst Commentary Recent research focuses on how Pathward Financial’s return profile, valuation, and near term catalysts fit together, with most commentary pointing to a constructive setup but also highlighting a few areas to watch.
ナラティブの更新 • Mar 25CASH: Partner Wins And Tax Season Strength Will Drive P E Re RatingNarrative update The fair value estimate for Pathward Financial has been revised to $103.50 from $100.00 as analysts factor in recent Overweight and Outperform views, a $107 price target, and expectations that above peer returns and potential partner wins could support a higher future P/E multiple. Analyst Commentary Recent research updates highlight a mix of optimism around Pathward Financial’s earnings power and valuation, alongside some areas where expectations could prove too optimistic if business conditions or partner activity do not line up with forecasts.
ナラティブの更新 • Mar 10CASH: Buybacks And Auditor Shift Will Shape Future P E Re Rating ProfileAnalysts have adjusted their price target on Pathward Financial to $100, largely reflecting updated views on its fair value, discount rate, revenue growth, profit margin, and future P/E assumptions following recent research that included an upgrade to Outperform by Keefe Bruyette analysts. Analyst Commentary Recent research behind the move to a US$100 price target reflects a mix of optimism about Pathward Financial’s positioning and some caution around execution and valuation risks.
Recent Insider Transactions • Mar 02CEO & Director recently sold US$1.5m worth of stockOn the 23rd of February, Brett Pharr sold around 16k shares on-market at roughly US$93.88 per share. This transaction amounted to 19% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Brett has been a net seller over the last 12 months, reducing personal holdings by US$2.3m.
Board Change • Mar 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 4 experienced directors. 4 highly experienced directors. Independent Director Neeraj Mehta was the last director to join the board, commencing their role in 2024. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
お知らせ • Feb 26Pathward Financial, Inc. Declares Cash Dividend for the Second Quarter of Fiscal Year 2026, Payable on April 1, 2026Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2026. This dividend will be payable on April 1, 2026 to shareholders of record as of March 12, 2026.
ナラティブの更新 • Feb 24CASH: Buybacks And Auditor Change Will Shape Future P E Re Rating ProfileAnalysts have revised their price target on Pathward Financial to reflect an updated future P/E assumption of 11.55 from 10.91, with the change supported by recent research that includes an upgrade to Outperform. Analyst Commentary Analysts updating their outlook on Pathward Financial are using the higher future P/E assumption of 11.55 to frame both the upside potential and the execution risks that could affect whether the company grows into that valuation.
Recent Insider Transactions • Feb 12Independent Director recently sold US$282k worth of stockOn the 9th of February, Kendall Stork sold around 3k shares on-market at roughly US$94.15 per share. This transaction amounted to 23% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$3.4m more than they bought in the last 12 months.
Recent Insider Transactions Derivative • Feb 10Independent Director notifies of intention to sell stockKendall Stork intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 9th of February. If the sale is conducted around the recent share price of US$94.07, it would amount to US$282k. Since March 2025, Kendall's direct individual holding has decreased from 18.00k shares to 13.00k. Company insiders have collectively sold US$3.1m more than they bought, via options and on-market transactions in the last 12 months.
ナラティブの更新 • Feb 09CASH: Buybacks And Auditor Change Will Shape Future Re Rating Risk ProfileNarrative Update on Pathward Financial The analyst price target for Pathward Financial has been revised to US$100.00 from US$100.00, and analysts cite updated assumptions around revenue growth, profit margins, and a slightly lower future P/E multiple as the key drivers behind this change. Analyst Commentary Bullish analysts framing the recent upgrade highlight how the updated assumptions on growth, margins, and the future P/E multiple still leave room for the stock to work if management delivers consistently on its plan.
Price Target Changed • Jan 25Price target increased by 14% to US$100.00Up from US$88.00, the current price target is provided by 1 analyst. New target price is 17% above last closing price of US$85.72. Stock is up 7.5% over the past year. The company is forecast to post earnings per share of US$8.64 for next year compared to US$7.91 last year.
Reported Earnings • Jan 25First quarter 2026 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2026 results: EPS: US$1.57 (up from US$1.23 in 1Q 2025). Revenue: US$169.9m (up 3.6% from 1Q 2025). Net income: US$35.1m (up 18% from 1Q 2025). Profit margin: 21% (up from 18% in 1Q 2025). Revenue missed analyst estimates by 6.8%. Earnings per share (EPS) exceeded analyst estimates by 14%. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 9.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 20% per year.
ナラティブの更新 • Jan 24CASH: Lower Discount Rate And Buybacks Will Support Re RatingAnalysts have raised their price target on Pathward Financial from US$88 to US$100, citing updated assumptions around fair value, discount rate, revenue growth, profit margins, and future P/E following recent research upgrades. Analyst Commentary Recent research updates highlight a shift in sentiment toward Pathward Financial, with some analysts adopting a more constructive stance on execution and valuation.
お知らせ • Jan 15Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026Pathward Financial, Inc., Annual General Meeting, Feb 24, 2026.
Reported Earnings • Nov 26Full year 2025 earnings: EPS exceeds analyst expectationsFull year 2025 results: EPS: US$7.92 (up from US$6.63 in FY 2024). Revenue: US$783.1m (up 10% from FY 2024). Net income: US$185.2m (up 11% from FY 2024). Profit margin: 24% (in line with FY 2024). Net interest margin (NIM): 7.34% (up from 6.42% in FY 2024). Non-performing loans: 2.13% (up from 1.02% in FY 2024). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 3.8%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 8.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 16% per year whereas the company’s share price has increased by 18% per year.
Declared Dividend • Nov 23Fourth quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th December 2025 Payment date: 2nd January 2026 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%.
お知らせ • Nov 21Pathward Financial, Inc. Declares Cash Dividend for the First Quarter of Fiscal Year 2026, Payable on January 2, 2026Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first quarter of fiscal year 2026. This dividend will be payable on January 2, 2026 to shareholders of record as of December 10, 2025.
お知らせ • Oct 22Pathward Financial, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended September 30, 2025Pathward Financial, Inc. announced net charge-offs for the fourth quarter ended September 30, 2025. The Company recognized net charge-offs of $46.2 million for the quarter ended September 30, 2025, compared to net charge-offs of $44.0 million for the quarter ended September 30, 2024.
お知らせ • Oct 08Pathward Financial, Inc. to Report Q4, 2025 Results on Oct 21, 2025Pathward Financial, Inc. announced that they will report Q4, 2025 results After-Market on Oct 21, 2025
お知らせ • Sep 03Pathward Financial, Inc. Receives Non-Compliance Notice from NasdaqOn August 26, 2025, Pathward Financial, Inc. ("Pathward Financial" or the Company") received an expected notice (the Notice") from the Listing Qualifications Department of the Nasdaq Stock Market LLC (Nasdaq"), indicating that the Company is not in compliance with Nasdaq Listing Rule 5250(c)(1) (the Listing Rule") as a result of its failure to timely file its Quarterly Report on Form 10-Q (Form 10-Q") for the fiscal quarter ended June 30, 2025, as described more fully in the Company's Form 12b-25 Notification of Late Filing filed with the Securities and Exchange Commission (the SEC") on August 11, 2025 (the Form 12b-25"). The Listing Rule requires listed companies to timely file all periodic reports with the SEC. The Company previously reported that it had received a similar Notice from Nasdaq on May 22, 2025 as a result of its failure to timely file its Form 10-Q for the fiscal quarter ended March 31, 2025. In accordance with Nasdaq's listing rules, the Company submitted a plan to regain compliance with the Listing Rule to Nasdaq, and Nasdaq granted the Company an extension to regain compliance with the Listing Rule until November 13, 2025. The Notice has no immediate effect on the listing or trading of the Company's common stock on Nasdaq. The Company filed its amended Form 10-K for the fiscal year ended September 30, 2024 on August 29, 2025. As disclosed in the Form 12b-25 and the Company's Form 8-K filed on July 2, 2025, the Company is also in the process of amending its Form 10-Q for the fiscal quarter ended December 31, 2024 to restate certain financial statements contained therein and filing its Form 10-Qs for the fiscal quarters ended March 31, 2025 and June 30, 2025; respectively. The restatements related to the Company's gross vs. net basis presentation and derivative accounting, and financial reporting, of certain third-party lending and servicing relationships within the Consumer Solutions business, within held-for-investment loan balances. In accordance with the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance with the Listing Rule. Pursuant to the Notice, the Company has until September 10, 2025 to submit an update to its plan to regain compliance, but Nasdaq will not further extend the deadline for compliance. The Company intends to take the necessary steps to regain compliance with Nasdaq's listing rules as soon as practicable and in any event prior to the November 13, 2025 deadline.
お知らせ • Aug 21Pathward Financial, Inc. Declares Cash Dividend for the Fourth Quarter of Fiscal Year 2025, Payable on October 1, 2025Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth quarter of fiscal year 2025. This dividend will be payable on October 1, 2025 to shareholders of record as of September 10, 2025.
お知らせ • Aug 12Pathward Financial, Inc. announced delayed 10-Q filingOn 08/11/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
お知らせ • Aug 08Pathward Financial, Inc. Appoints Charles Ingram as Executive Vice President and Chief Information and Operations OfficerPathward Financial, Inc. announced that Charles Ingram has been appointed Executive Vice President and Chief Information and Operations Officer at Pathward, N.A. Ingram continues to report to Pathward’s Chief Executive Officer, Brett Pharr, in his new role, where he leads Pathward’s technology, security, artificial intelligence, data and analytics teams as well as product management, strategic business operations, and business transformation. Ingram joined Pathward in 2020 as Executive Vice President and Chief Information Officer and later served as Executive Vice President and Chief Technology and Product Officer from October 2021 until July 2025. His leadership experience in technology spans over three decades and includes leadership roles with another financial institution and other well-known brands. He earned a Master of Business Administration from Wake Forest University in Winston-Salem, North Carolina, and an Interdisciplinary Bachelor of Arts in Business Administration and Computer Science from Furman University in Greenville, South Carolina. Ingram’s recognition includes various awards, such as the 2022 Arizona CIO ORBIE Award for his work with Pathward. He is also a founding Advisory Board Member of the Arizona CIO Council.
お知らせ • Jul 29Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended June 30, 2025Pathward Financial, Inc. reported net charge-offs for the quarter ended June 30, 2025. For the quarter, the company recognized recognized net charge-offs of $6.1 million for the quarter ended June 30, 2025, compared to net charge-offs of $16.2 million for the quarter ended June 30, 2024.
お知らせ • Jul 25Pathward Financial, Inc. to Report Q3, 2025 Results on Jul 28, 2025Pathward Financial, Inc. announced that they will report Q3, 2025 results After-Market on Jul 28, 2025
お知らせ • Jun 30+ 4 more updatesPathward Financial, Inc.(NasdaqGS:CASH) dropped from Russell 2000 Value IndexPathward Financial, Inc.(NasdaqGS:CASH) dropped from Russell 2000 Value Index
お知らせ • May 22Pathward Financial, Inc. Announces Cash Dividend for the Third Quarter of 2025, Payable on July 1, 2025Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third quarter of fiscal year 2025. This dividend will be payable on July 1, 2025 to shareholders of record as of June 13, 2025.
お知らせ • May 13Pathward Financial, Inc. announced delayed 10-Q filingOn 05/12/2025, Pathward Financial, Inc. announced that they will be unable to file their next 10-Q by the deadline required by the SEC.
Recent Insider Transactions • Apr 30CEO & Director recently sold US$809k worth of stockOn the 25th of April, Brett Pharr sold around 10k shares on-market at roughly US$78.07 per share. This transaction amounted to 16% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was Brett's only on-market trade for the last 12 months.
Reported Earnings • Apr 23Second quarter 2025 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2025 results: EPS: US$3.13 (up from US$2.56 in 2Q 2024). Revenue: US$233.0m (up 5.3% from 2Q 2024). Net income: US$74.0m (up 14% from 2Q 2024). Profit margin: 32% (up from 29% in 2Q 2024). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) also surpassed analyst estimates by 12%. Revenue is forecast to grow 8.7% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 23Pathward Financial, Inc. Reports Net Charge-Offs for the Quarter Ended March 31, 2025Pathward Financial, Inc. reported net charge-Offs for the quarter ended March 31, 2025. The Company recognized net charge-offs of $0.1 million for the quarter ended March 31, 2025, compared to net recoveries of $1.1 million for the quarter ended March 31, 2024.
お知らせ • Apr 09Pathward Financial, Inc. to Report Q2, 2025 Results on Apr 22, 2025Pathward Financial, Inc. announced that they will report Q2, 2025 results After-Market on Apr 22, 2025
Declared Dividend • Mar 03First quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 13th March 2025 Payment date: 1st April 2025 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%.
お知らせ • Feb 27Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2025, Payable on April 1, 2025Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2025. This dividend will be payable on April 1, 2025 to shareholders of record as of March 13, 2025.
Reported Earnings • Jan 22First quarter 2025 earnings: EPS misses analyst expectationsFirst quarter 2025 results: EPS: US$1.26 (up from US$1.06 in 1Q 2024). Revenue: US$161.5m (up 5.6% from 1Q 2024). Net income: US$31.3m (up 14% from 1Q 2024). Profit margin: 19% (up from 18% in 1Q 2024). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 9.4%. Revenue is forecast to grow 8.8% p.a. on average during the next 2 years, compared to a 7.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 11% per year.
お知らせ • Jan 22+ 1 more updatePathward Financial, Inc. Reaffirms Earnings Guidance for the Fiscal Year 2025Pathward Financial, Inc. reaffirmed earnings guidance for the fiscal year 2025. The company reiterating fiscal 2025 guidance of $7.25 to $7.75 earnings per diluted share.
お知らせ • Jan 16Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025Pathward Financial, Inc., Annual General Meeting, Feb 25, 2025.
お知らせ • Jan 08Pathward Financial, Inc. to Report Q1, 2025 Results on Jan 21, 2025Pathward Financial, Inc. announced that they will report Q1, 2025 results After-Market on Jan 21, 2025
Seeking Alpha • Dec 26Pathward Financial: Strong Growth At A Fair PriceSummary Pathward's business has an unusually heavy reliance on debit card fee income which has helped it deliver great value to shareholders by growing at a fast pace. The growth prospects overshadow the risks that are currently present and the strong past performance is likely to persist given a lower pace of rate cuts for 2025. Valuation appears to be fair within the context of Pathward's business and its growth potential and recent price developments indicate an opportunity. Read the full article on Seeking Alpha
Reported Earnings • Nov 29Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$711.0m (up 10% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 24% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Net interest margin (NIM): 6.42% (up from 6.05% in FY 2023). Non-performing loans: 1.02% (down from 1.29% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.3% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 14% per year.
Declared Dividend • Nov 25Fourth quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th December 2024 Payment date: 2nd January 2025 Dividend yield will be 0.2%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 2%.
お知らせ • Nov 21Pathward Financial, Inc. Announces Cash Dividend for the First Fiscal Quarter of 2025, Payable on January 2, 2025Pathward Financial, Inc. announced that the company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2025. This dividend will be payable on January 2, 2025 to shareholders of record as of December 10, 2024.
Recent Insider Transactions Derivative • Nov 14CEO & Director notifies of intention to sell stockBrett Pharr intends to sell 12k shares in the next 90 days after lodging an Intent To Sell Form on the 13th of November. If the sale is conducted around the recent share price of US$70.78, it would amount to US$814k. For the year to September 2019, Brett's total compensation was 18% salary and 82% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since December 2023, Brett's direct individual holding has increased from 44.26k shares to 53.66k. Company insiders have collectively sold US$1.3m more than they bought, via options and on-market transactions in the last 12 months.
Valuation Update With 7 Day Price Move • Nov 11Investor sentiment improves as stock rises 15%After last week's 15% share price gain to US$81.54, the stock trades at a forward P/E ratio of 11x. Average forward P/E is 13x in the Banks industry in the US. Total returns to shareholders of 26% over the past three years.
お知らせ • Oct 26Pathward Financial, Inc. Reports Net Charge-Offs for the Fourth Quarter Ended September 30, 2024Pathward Financial, Inc. reported net charge-offs for the fourth quarter ended September 30, 2024. The Company recognized net charge-offs of $35.6 million for the quarter ended September 30, 2024, compared to net charge-offs of $41.3 million for the quarter ended September 30, 2023.
Reported Earnings • Oct 24Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$6.63 (up from US$6.01 in FY 2023). Revenue: US$712.0m (up 11% from FY 2023). Net income: US$166.8m (up 3.5% from FY 2023). Profit margin: 23% (down from 25% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.2%. Revenue is forecast to grow 7.1% p.a. on average during the next 2 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year whereas the company’s share price has increased by 8% per year.
お知らせ • Oct 24Pathward Financial, Inc. Provides Earnings Guidance for the Fiscal 2025Pathward Financial, Inc. provided earnings guidance for the fiscal 2025. For the year, the company expects GAAP earnings per diluted share to a range of $7.10 to $7.60 which does not include the impact of the sale of the commercial insurance premium finance business.
お知らせ • Oct 10Pathward Financial, Inc. to Report Q4, 2024 Results on Oct 23, 2024Pathward Financial, Inc. announced that they will report Q4, 2024 results After-Market on Oct 23, 2024
新しいナラティブ • Sep 24Innovative Banking Tech Powers Profit And Expands Market Footprint Pathward Financial's focus on loan sourcing and underwriting optimization promises higher risk-adjusted returns, boosting profitability.
Recent Insider Transactions • Sep 17President recently sold US$206k worth of stockOn the 13th of September, Anthony Sharett sold around 3k shares on-market at roughly US$66.40 per share. This transaction amounted to 9.4% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Anthony has been a net seller over the last 12 months, reducing personal holdings by US$253k.
Seeking Alpha • Sep 11Pathward Financial: A Profitable Bank Priced For A Collapse In ProfitabilitySummary Pathward Financial has increased its NOPAT and ROIC despite declining revenues, showcasing improved profitability and efficient capital allocation. The firm’s stable deposit portfolio and significant non-interest income make it resilient to economic volatility and lower interest rates. Pathward has generated nearly 40% of its market cap in free cash flow since 2019, highlighting strong financial health. Trading at a significant discount, Pathward offers a compelling investment opportunity with a 35% upside to its zero-growth value. Read the full article on Seeking Alpha
Recent Insider Transactions Derivative • Sep 08President notifies of intention to sell stockAnthony Sharett intends to sell 3k shares in the next 90 days after lodging an Intent To Sell Form on the 5th of September. If the sale is conducted around the recent share price of US$68.24, it would amount to US$212k. Since September 2023, Anthony's direct individual holding has increased from 28.70k shares to 33.15k. Company insiders have collectively sold US$863k more than they bought, via options and on-market transactions in the last 12 months.
Declared Dividend • Aug 25Third quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 10th September 2024 Payment date: 1st October 2024 Dividend yield will be 0.3%, which is lower than the industry average of 3.2%. Payout Ratios Payout ratio: 3%. Forecast payout ratio in 3 years: 3%.
お知らせ • Aug 22Pathward Financial, Inc. Declares Cash Dividend for the Fourth Fiscal Quarter of 2024, Payable on October 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2024. This dividend will be payable on October 1, 2024 to shareholders of record as of September 10, 2024.
Price Target Changed • Jul 25Price target increased by 11% to US$71.00Up from US$64.00, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of US$68.21. Stock is up 29% over the past year. The company is forecast to post earnings per share of US$6.55 for next year compared to US$6.01 last year.
Seeking Alpha • Jul 14Pathward Financial: After A Nice Move Higher, Shares Justify Even More UpsideSummary Pathward Financial shares have increased by 14.5% since April, outperforming the S&P 500. The company continues to show attractive growth in net interest income and non-interest income. Asset quality is high, with strong returns on assets and equity, making Pathward Financial a solid buy opportunity. Read the full article on Seeking Alpha
お知らせ • Jul 11Pathward Financial, Inc. to Report Q3, 2024 Results on Jul 24, 2024Pathward Financial, Inc. announced that they will report Q3, 2024 results After-Market on Jul 24, 2024
分析記事 • Jun 15Here's Why Pathward Financial (NASDAQ:CASH) Has Caught The Eye Of InvestorsInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Upcoming Dividend • Jun 04Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 11 June 2024. Payment date: 01 July 2024. Payout ratio is a comfortable 3.0% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.7%). Lower than average of industry peers (3.0%).
Declared Dividend • May 12Second quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 11th June 2024 Payment date: 1st July 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%.
お知らせ • May 10Pathward Financial, Inc. Declares Cash Dividend for the Third Fiscal Quarter of 2024, Payable on July 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the third fiscal quarter of 2024. This dividend will be payable on July 1, 2024 to shareholders of record as of June 11, 2024.
Reported Earnings • Apr 26Second quarter 2024 earnings: EPS and revenues exceed analyst expectationsSecond quarter 2024 results: EPS: US$2.56 (up from US$1.99 in 2Q 2023). Revenue: US$221.2m (up 16% from 2Q 2023). Net income: US$64.7m (up 20% from 2Q 2023). Profit margin: 29% (up from 28% in 2Q 2023). The increase in margin was driven by higher revenue. Revenue exceeded analyst estimates by 2.7%. Earnings per share (EPS) also surpassed analyst estimates by 9.1%. Revenue is forecast to grow 6.4% p.a. on average during the next 2 years, compared to a 6.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 26Pathward Financial, Inc. Provides Earning Guidance for the Year 2024Pathward Financial, Inc. provided earning guidance for the year 2024. For the period, the company expects earnings per diluted share guidance to a range of $6.30 to $6.60. As part of this guidance, the Company is reiterating its expectation that the annual effective tax rate in fiscal year 2024 will be in a range between 16% and 20%.
お知らせ • Apr 11Pathward Financial, Inc. to Report Q2, 2024 Results on Apr 24, 2024Pathward Financial, Inc. announced that they will report Q2, 2024 results After-Market on Apr 24, 2024
Seeking Alpha • Apr 08Pathward Financial: Bullish Stance UnchangedSummary Pathward Financial, Inc. stock has underperformed in recent months, with only a 6.4% increase compared to the S&P 500's 19% increase. Despite the underperformance, the company's financial results show positive growth in net interest income and asset value. Pathward Financial shares are undervalued, and the company's high-quality assets suggest potential for future growth. Read the full article on Seeking Alpha
分析記事 • Mar 14We Ran A Stock Scan For Earnings Growth And Pathward Financial (NASDAQ:CASH) Passed With EaseThe excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Declared Dividend • Mar 04First quarter dividend of US$0.05 announcedDividend of US$0.05 is the same as last year. Ex-date: 11th March 2024 Payment date: 1st April 2024 Dividend yield will be 0.4%, which is lower than the industry average of 3.2%.
お知らせ • Feb 29Pathward Financial, Inc. Declares Cash Dividend for the Second Fiscal Quarter of 2024, Payable on April 1, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the second fiscal quarter of 2024. This dividend will be payable on April 1, 2024 to shareholders of record as of March 12, 2024.
Reported Earnings • Jan 25First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$1.06. Revenue: US$152.9m (up 9.2% from 1Q 2023). Net income: US$27.4m (flat on 1Q 2023). Profit margin: 18% (down from 20% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.2%. Earnings per share (EPS) also missed analyst estimates by 15%. Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 5.4% growth forecast for the Banks industry in the US.
お知らせ • Jan 25+ 1 more updatePathward Financial, Inc. Reports Net Charge-Offs for the First Quarter Ended December 31, 2023Pathward Financial, Inc. reported net charge-offs for the first quarter ended December 31, 2023. For the quarter, the company reported net charge-offs of $5.5 million compared to $3.2 million for the quarter ended December 31, 2022.
お知らせ • Jan 18Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024Pathward Financial, Inc., Annual General Meeting, Feb 27, 2024, at 09:00 Central Standard Time. Agenda: To elect one director for a term of two years ending in 2026 and two directors for a term of three years ending in 2027, until their successors are elected and duly qualified; to approve, by a non-binding advisory vote, the compensation of named executive officers; to approve the Pathward Financial, Inc. 2023 Omnibus Incentive Plan and to ratify the appointment by the Board of Directors of the independent registered public accounting firm Crowe LLP as the independent auditors of Pathward Financial’s financial statements for the fiscal year ending September 30, 2024.
お知らせ • Jan 11Pathward Financial, Inc. to Report Q1, 2024 Results on Jan 24, 2024Pathward Financial, Inc. announced that they will report Q1, 2024 results After-Market on Jan 24, 2024
Upcoming Dividend • Dec 04Upcoming dividend of US$0.05 per share at 0.4% yieldEligible shareholders must have bought the stock before 11 December 2023. Payment date: 02 January 2024. Payout ratio is a comfortable 3.3% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.5%).
Recent Insider Transactions • Dec 03Executive VP & Executive Advisor to CEO recently sold US$708k worth of stockOn the 1st of December, Glen Herrick sold around 14k shares on-market at roughly US$50.50 per share. This transaction amounted to 13% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. Insiders have been net sellers, collectively disposing of US$1.3m more than they bought in the last 12 months.
お知らせ • Nov 17Pathward Financial, Inc. Declares Cash Dividend for the First Fiscal Quarter of 2024, Payable on January 2, 2024Pathward Financial, Inc. announced that the Company will pay a cash dividend of $0.05 per share for the first fiscal quarter of 2024. This dividend will be payable on January 2, 2024 to shareholders of record as of December 12, 2023.
分析記事 • Oct 31Here's Why We Think Pathward Financial (NASDAQ:CASH) Is Well Worth WatchingInvestors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Reported Earnings • Oct 26Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$6.01 (up from US$5.26 in FY 2022). Revenue: US$643.9m (up 12% from FY 2022). Net income: US$161.2m (up 4.8% from FY 2022). Profit margin: 25% (down from 27% in FY 2022). The decrease in margin was driven by higher expenses. Non-performing loans: 1.29% (up from 0.83% in FY 2022). Revenue exceeded analyst estimates by 2.0%. Earnings per share (EPS) also surpassed analyst estimates by 1.8%. Revenue is forecast to grow 8.6% p.a. on average during the next 2 years, compared to a 4.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year and the company’s share price has also increased by 17% per year.
お知らせ • Oct 26Pathward Financial, Inc. Raises Earnings Guidance for the Fiscal Year 2024Pathward Financial, Inc. raised earnings guidance for the fiscal year 2024. The company is raising fiscal year 2024 GAAP earnings per diluted share guidance to a range of $6.20 to $6.70.
お知らせ • Oct 12Pathward Financial, Inc. to Report Q4, 2023 Results on Oct 25, 2023Pathward Financial, Inc. announced that they will report Q4, 2023 results After-Market on Oct 25, 2023
お知らせ • Oct 06Pathward Financial, Inc. Announces Executive ChangesPathward Financial, Inc. announced that Greg Sigrist has been appointed chief financial officer (“CFO”) - designee, beginning Nov. 1, 2023. Immediately after the filing of the Company’s Form 10-K for fiscal year 2023, Mr. Sigrist will transition to EVP, CFO, when he will succeed Glen Herrick, who will remain with the Company to aid in the transition and other projects until his retirement on December 31, 2023. Mr. Sigrist joins the Company after serving as EVP and CFO of Metropolitan Bank Holding Corp. and Metropolitan Commercial Bank for the past three years. Before joining Metropolitan, he served as the EVP and CFO of Columbia Banking System, Inc., from June 2018 until February 2020. Mr. Sigrist also spent 12 years with Morgan Stanley as a managing director in a number of senior financial roles, including CFO of Morgan Stanley Bank, N.A. from 2014 to early 2018. Prior to that, he served for five years as Vice President, Corporate Accounting Policy/M&A Finance with Citigroup. Mr. Sigrist built the foundation of his career spending 12 years between Ernst & Young and McGladrey & Pullen in senior auditing roles of financial services clients, including regional and community banks. Mr. Sigrist received a B.S. in Accounting with University Honors from Illinois State University and is a Certified Public Accountant.
Upcoming Dividend • Sep 04Upcoming dividend of US$0.05 per share at 0.4% yieldEligible shareholders must have bought the stock before 11 September 2023. Payment date: 02 October 2023. Payout ratio is a comfortable 3.7% but the company is not cash flow positive. Trailing yield: 0.4%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.6%).
お知らせ • Aug 26Pathward Financial, Inc. Announces Cash Dividend for Fourth Fiscal Quarter of 2023, Payable on October 2, 2023Pathward Financial, Inc. announced that it will pay a cash dividend of $0.05 per share for the fourth fiscal quarter of 2023 on October 2, 2023 to shareholders of record as of September 12, 2023.
