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Pathward Financial NasdaqGS:CASH Stock Report

Last Price

US$75.09

Market Cap

US$1.9b

7D

-8.8%

1Y

43.0%

Updated

18 Dec, 2024

Data

Company Financials +

Pathward Financial, Inc.

NasdaqGS:CASH Stock Report

Market Cap: US$1.9b

CASH Stock Overview

Operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. More details

CASH fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends0/6

Rewards

Trading at 70.4% below our estimate of its fair value

Earnings are forecast to grow 5.56% per year

Earnings grew by 3.5% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Significant insider selling over the past 3 months


My Notes

Capture your thoughts, links and company narrative

Community Narratives

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Narratives bring a range of perspectives from our community.

WA
Analyst Price Target
Consensus Narrative from 2 Analysts

New Partnerships With H&R Block And Rain Will Expand Embedded Finance Solutions

Key Takeaways Shift of capital towards higher-yielding finance loans and optimizing assets is expected to increase return on assets and net interest margin. Expansion in SBA and USDA loan markets, along with new partnerships, supports potential revenue growth and enhanced service offerings.
View narrative
US$86.00
FV
12.7% undervalued intrinsic discount
7.49%
Revenue growth p.a.
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Updated narrative

Pathward Financial, Inc. Competitors

City Holding

NasdaqGS:CHCO

US$1.9b

First Bancorp

NasdaqGS:FBNC

US$2.0b

First Commonwealth Financial

NYSE:FCF

US$1.8b

OFG Bancorp

NYSE:OFG

US$2.0b

Price History & Performance

Summary of share price highs, lows and changes for Pathward Financial
Historical stock prices
Current Share PriceUS$75.09
52 Week HighUS$86.00
52 Week LowUS$46.68
Beta0.70
1 Month Change-5.19%
3 Month Change8.67%
1 Year Change43.00%
3 Year Change30.41%
5 Year Change113.38%
Change since IPO2,335.35%

Recent News & Updates

Recent updates

Pathward Financial: A Profitable Bank Priced For A Collapse In Profitability

Sep 11

Pathward Financial: After A Nice Move Higher, Shares Justify Even More Upside

Jul 14

Here's Why Pathward Financial (NASDAQ:CASH) Has Caught The Eye Of Investors

Jun 15
Here's Why Pathward Financial (NASDAQ:CASH) Has Caught The Eye Of Investors

Pathward Financial: Bullish Stance Unchanged

Apr 08

We Ran A Stock Scan For Earnings Growth And Pathward Financial (NASDAQ:CASH) Passed With Ease

Mar 14
We Ran A Stock Scan For Earnings Growth And Pathward Financial (NASDAQ:CASH) Passed With Ease

Here's Why We Think Pathward Financial (NASDAQ:CASH) Is Well Worth Watching

Oct 31
Here's Why We Think Pathward Financial (NASDAQ:CASH) Is Well Worth Watching

Pathward Financial, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year

Jan 27
Pathward Financial, Inc. Beat Analyst Estimates: See What The Consensus Is Forecasting For This Year

With EPS Growth And More, Pathward Financial (NASDAQ:CASH) Makes An Interesting Case

Jan 04
With EPS Growth And More, Pathward Financial (NASDAQ:CASH) Makes An Interesting Case

Pathward selects Propel as consumer lending as a service partner

Oct 17

Does Pathward Financial (NASDAQ:CASH) Deserve A Spot On Your Watchlist?

Oct 05
Does Pathward Financial (NASDAQ:CASH) Deserve A Spot On Your Watchlist?

Meta Financial declares $0.05 dividend

Aug 25

Meta Financial reports Q3 results

Jul 27

Does Meta Financial Group (NASDAQ:CASH) Deserve A Spot On Your Watchlist?

Jun 26
Does Meta Financial Group (NASDAQ:CASH) Deserve A Spot On Your Watchlist?

Here's Why I Think Meta Financial Group (NASDAQ:CASH) Might Deserve Your Attention Today

Mar 09
Here's Why I Think Meta Financial Group (NASDAQ:CASH) Might Deserve Your Attention Today

CASH Is Banking King

Mar 04

Shareholder Returns

CASHUS BanksUS Market
7D-8.8%-6.3%-4.0%
1Y43.0%28.2%24.0%

Return vs Industry: CASH exceeded the US Banks industry which returned 31.3% over the past year.

Return vs Market: CASH exceeded the US Market which returned 26.1% over the past year.

Price Volatility

Is CASH's price volatile compared to industry and market?
CASH volatility
CASH Average Weekly Movement5.3%
Banks Industry Average Movement5.3%
Market Average Movement6.4%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.2%

Stable Share Price: CASH has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CASH's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19541,244Brett Pharrwww.pathwardfinancial.com

Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, and money market savings accounts.

Pathward Financial, Inc. Fundamentals Summary

How do Pathward Financial's earnings and revenue compare to its market cap?
CASH fundamental statistics
Market capUS$1.94b
Earnings (TTM)US$166.82m
Revenue (TTM)US$711.05m

10.9x

P/E Ratio

2.2x

P/B Ratio

Is CASH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CASH income statement (TTM)
RevenueUS$711.05m
Cost of RevenueUS$0
Gross ProfitUS$711.05m
Other ExpensesUS$544.23m
EarningsUS$166.82m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)6.92
Gross Margin100.00%
Net Profit Margin23.46%
Debt/Equity Ratio48.9%

How did CASH perform over the long term?

See historical performance and comparison

Dividends

0.3%

Current Dividend Yield

3%

Payout Ratio

Does CASH pay a reliable dividends?

See CASH dividend history and benchmarks
When do you need to buy CASH by to receive an upcoming dividend?
Pathward Financial dividend dates
Ex Dividend DateDec 10 2024
Dividend Pay DateJan 02 2025
Days until Ex dividend9 days
Days until Dividend pay date14 days

Does CASH pay a reliable dividends?

See CASH dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 04:39
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2024/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Pathward Financial, Inc. is covered by 8 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Stephen MossB. Riley Securities, Inc.
Stephen MossFBR Capital Markets & Co.
Christopher McGrattyKeefe, Bruyette, & Woods