Pathward Financial, Inc.

NasdaqGS:CASH Stock Report

Market Cap: US$2.0b

Pathward Financial Valuation

Is CASH undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CASH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CASH ($79.2) is trading below our estimate of fair value ($254.09)

Significantly Below Fair Value: CASH is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CASH?

Key metric: As CASH is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CASH. This is calculated by dividing CASH's market cap by their current earnings.
What is CASH's PE Ratio?
PE Ratio11.8x
EarningsUS$166.82m
Market CapUS$1.98b

Price to Earnings Ratio vs Peers

How does CASH's PE Ratio compare to its peers?

The above table shows the PE ratio for CASH vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.4x
CHCO City Holding
16.5x-2.1%US$1.9b
FCF First Commonwealth Financial
12.5x2.9%US$1.9b
OFG OFG Bancorp
10.3x-1.4%US$2.0b
FBNC First Bancorp
18.5x14.9%US$1.9b
CASH Pathward Financial
11.8x5.6%US$2.0b

Price-To-Earnings vs Peers: CASH is good value based on its Price-To-Earnings Ratio (11.8x) compared to the peer average (14.4x).

Price to Earnings Ratio vs Industry

How does CASH's PE Ratio compare vs other companies in the US Banks Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CASH 11.8xIndustry Avg. 12.8xNo. of Companies79PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CASH is good value based on its Price-To-Earnings Ratio (11.8x) compared to the US Banks industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is CASH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CASH PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.8x
Fair PE Ratio13x

Price-To-Earnings vs Fair Ratio: CASH is good value based on its Price-To-Earnings Ratio (11.8x) compared to the estimated Fair Price-To-Earnings Ratio (13x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CASH forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$79.20
US$79.00
-0.3%
3.8%US$82.00US$76.00n/a2
Nov ’25US$71.28
US$79.00
+10.8%
3.8%US$82.00US$76.00n/a2
Oct ’25US$64.54
US$73.50
+13.9%
2.0%US$75.00US$72.00n/a2
Sep ’25US$68.82
US$71.00
+3.2%
5.6%US$75.00US$67.00n/a2
Aug ’25US$65.28
US$71.00
+8.8%
5.6%US$75.00US$67.00n/a2
Jul ’25US$57.21
US$63.00
+10.1%
7.9%US$68.00US$58.00n/a2
Jun ’25US$53.31
US$63.00
+18.2%
7.9%US$68.00US$58.00n/a2
May ’25US$50.55
US$63.00
+24.6%
7.9%US$68.00US$58.00n/a2
Apr ’25US$50.12
US$64.00
+27.7%
6.3%US$68.00US$60.00n/a2
Mar ’25US$50.15
US$64.00
+27.6%
6.3%US$68.00US$60.00n/a2
Feb ’25US$50.45
US$64.00
+26.9%
6.3%US$68.00US$60.00n/a2
Jan ’25US$52.93
US$63.00
+19.0%
9.5%US$69.00US$57.00n/a2
Dec ’24US$51.16
US$62.00
+21.2%
8.1%US$67.00US$57.00n/a2
Nov ’24US$46.22
US$62.00
+34.1%
8.1%US$67.00US$57.00US$71.282
Oct ’24US$46.09
US$63.00
+36.7%
6.3%US$67.00US$59.00US$64.542
Sep ’24US$50.18
US$63.00
+25.5%
6.3%US$67.00US$59.00US$68.822
Aug ’24US$52.77
US$63.00
+19.4%
6.3%US$67.00US$59.00US$65.282
Jul ’24US$46.36
US$54.50
+17.6%
8.3%US$59.00US$50.00US$57.212
Jun ’24US$45.48
US$54.50
+19.8%
8.3%US$59.00US$50.00US$53.312
May ’24US$44.34
US$54.50
+22.9%
8.3%US$59.00US$50.00US$50.552
Apr ’24US$41.49
US$56.00
+35.0%
12.5%US$63.00US$49.00US$50.122
Mar ’24US$50.47
US$56.00
+11.0%
12.5%US$63.00US$49.00US$50.152
Feb ’24US$50.88
US$50.50
-0.7%
14.9%US$58.00US$43.00US$50.452
Jan ’24US$43.05
US$48.50
+12.7%
11.3%US$54.00US$43.00US$52.932
Dec ’23US$43.35
US$48.50
+11.9%
11.3%US$54.00US$43.00US$51.162
Nov ’23US$41.75
US$48.50
+16.2%
11.3%US$54.00US$43.00US$46.222

Analyst Forecast: Target price is lower than the current share price.

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