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PATHWARD FINANCIAL INC

CASHNASDAQ
πŸ† #2191 by market capEarnings Oct 28US Equity
$70.79β–Ό $0.77 (βˆ’1.09%)
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24hβ–Ό 1.1%
7dβ–Ό 3.3%
14dβ–Ό 9.6%
30dβ–Ό 13.0%
ytdβ–Ό 0.2%
1yβ–Ό 4.2%
🏦Market Cap
$1.49B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+2.4%
Slowing
πŸ“ŠGross Margin
89.9%
High
πŸ’΅FCF Margin
74.0%
Strong
βš–οΈP/S Ratio
1.9x
Cheap
Otter Score
96
Very Good

Trading Snapshot

Day Range
$69.80 – $71.86
52-Week Range
$65.87 – $101.26
Volume
$2.56B
Avg Volume
$2.81B
Shares Outstanding
21.1M
Next Earnings
Nov 19, 2026

Fundamentals Snapshot

Annual Revenue
$685M
Last Q Revenue
$191M
P/E Ratio
8.9
P/S Ratio
1.9x
EPS (TTM)
$8.11
Dividend Yield
0.28%
Dilution (1yr)
βˆ’7.8%

Why Investors Own CASH

  • βœ“High-growth profile β€” revenue up +39.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 62% gross margin and 17% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

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PATHWARD FINANCIAL INC

CASH
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$685Mβ–² +2.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
90.0%β–² +2.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$223Mβ–² +2.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$237Mβ–² +33.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
22.4Mβ–Ό βˆ’7.8% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$298Mβ–Ό βˆ’$266M YoY
StockOtter Β· stockotter.space

About PATHWARD FINANCIAL INC

Pathward Financial, Inc. serves as the parent company for Pathward, National Association, providing a broad spectrum of banking products and services throughout the United States. Its operations are structured across three main divisions: Consumer, Commercial, and Corporate Services/Other. The firm offers a range of deposit accounts, including checking (demand deposit), savings, money market savings, and certificates of deposit. For commercial clients, Pathward provides diverse financial solutions such as term loans, asset-based lending, factoring services, lease financing, insurance premium financing, and government-guaranteed lending products. It also extends consumer credit offerings and other personal financing services. Further specialized services include short-term taxpayer advance loans and warehouse financing. Moreover, the company plays a significant role in the payments industry by issuing prepaid and consumer credit cards, sponsoring merchant acquiring services, facilitating ATM access across various debit networks, and handling tax refund transfers, alongside other payment solutions. Originally known as Meta Financial Group, Inc., the company adopted its current name, Pathward Financial, Inc., in July 2022. Founded in 1954, Pathward Financial, Inc. is headquartered in Sioux Falls, South Dakota.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Very Good
96/100

Analyst Ratings

β“˜
Consensus
Buy
9 analysts
Strong Buy2
Buy5
Hold2
Sell0
Strong Sell0
Ratings as of Sep 2026

Latest News & Updates

Defense WorldΒ·5d ago

Timberland Bancorp (NASDAQ:TSBK) vs. Pathward Financial (NASDAQ:CASH) Financial Survey

Pathward Financial (NASDAQ: CASH - Get Free Report) and Timberland Bancorp (NASDAQ: TSBK - Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based

PRNewsWireΒ·12d ago

PERMIAN BASIN ROYALTY TRUST ANNOUNCES SEPTEMBER CASH DISTRIBUTION AND EXCESS COST POSITION ON WADDELL RANCH PROPERTIES

DALLAS, Sept. 18, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Permian Basin Royalty Trust (NYSE: PBT) ("Permian" or the "Trust") today declared a cash distribution to the holders of its units of benefici

PRNewsWireΒ·12d ago

CROSS TIMBERS ROYALTY TRUST DECLARES SEPTEMBER CASH DISTRIBUTION

DALLAS, Sept. 18, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Cross Timbers Royalty Trust (the "Trust") (NYSE: CRT), today declared a cash distribution to the holders of its units of beneficial interest

PRNewsWireΒ·13d ago

BERETTA HOLDING S.A. COMMENCES CASH TENDER OFFER FOR SHARES OF STURM, RUGER & COMPANY, INC.

LUXEMBOURG, Sept. 17, 2026 /PRNewswire/ -- Beretta Holding S.A.

Defense WorldΒ·15d ago

Head to Head Survey: Pathward Financial (NASDAQ:CASH) versus Preferred Bank (NASDAQ:PFBC)

Preferred Bank (NASDAQ: PFBC - Get Free Report) and Pathward Financial (NASDAQ: CASH - Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on

PRNewsWireΒ·26d ago

SABINE ROYALTY TRUST ANNOUNCES MONTHLY CASH DISTRIBUTION FOR SEPTEMBER 2026

DALLAS, Sept. 4, 2026 /PRNewswire/ -- Argent Trust Company, as Trustee of the Sabine Royalty Trust (NYSE: SBR), today declared a cash distribution to the holders of its units of beneficial interest of $0.331680 per unit,