Pathward Financial (CASH) AI Stock Analysis

• Market Cap: $1.64B
• Dividend Yield: 0.27%
• Average Volume (3M): 177.10K
• Price to Earnings (P/E): 9.3
• Beta (1Y): 0.87
• Revenue Growth: 7.80%
• EPS Growth: 19.38%
• Country: US
• Employees: 1,155
• Sector: N/A
• Sector Strength: N/A
• Industry: Banks - Regional
• EPS (TTM): 1.69
• Shares Outstanding: 22,339,006
• 10 Day Avg. Volume: 177,542
• 30 Day Avg. Volume: 177,103
• PEG Ratio: 0.48
• Price to Book (P/B): 2.02
• Price to Sales (P/S): 2.53
• P/FCF Ratio: 10.31
• Enterprise Value/Market Cap: 1.00
• Enterprise Value/Revenue: 2.39
• Enterprise Value/Gross Profit: 2.65
• Enterprise Value/Ebitda: 5.78
• 1Y Price Target: $88.00
• Price Target Upside: 22.26% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 79 Outperform
• Price Target: $84.00 ▲(16.70% Upside)

Pathward Financial's strong financial performance and positive earnings call sentiment are the primary drivers of its stock score. The technical analysis suggests short-term momentum, while the valuation indicates the stock is attractively priced. Despite some operational challenges, the company's strategic initiatives and robust financial health position it well for future growth.

Pathward Financial Business Overview & Revenue Model

Company Description

Pathward Financial (CASH) is a financial technology company that specializes in providing a range of banking and payment solutions. The company primarily operates in the fintech sector, offering services such as digital banking, payment processing, and financial management tools. Pathward aims to enhance financial accessibility and empower individuals and businesses through innovative technology-driven solutions.

How the Company Makes Money

Pathward Financial generates revenue through a variety of channels, including transaction fees from payment processing, interest income from loans and credit products, and fees associated with digital banking services. The company capitalizes on partnerships with other financial institutions and technology providers to expand its service offerings and reach a broader customer base. Additionally, revenue is supplemented through the sale of value-added services and solutions that cater to both consumers and businesses, enhancing customer engagement and loyalty.

Pathward Financial Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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Pathward Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 71.98
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CASH, the sentiment is Positive. The current price of 71.98 is below the 20-day moving average (MA) of 72.75, above the 50-day MA of 71.08, and below the 200-day MA of 75.11, indicating a neutral trend. The MACD of 1.02 indicates Negative momentum. The RSI at 57.65 is Neutral, neither overbought nor oversold. The STOCH value of 36.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CASH.

Pathward Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	―	―	―	―	―	―
CASH	79 Outperform	$1.64B	9.30	21.81%	0.27%	7.80%	19.38%
CHCO	78 Outperform	$1.83B	14.58	16.42%	2.65%	6.09%	11.49%
CCB	75 Outperform	$1.72B	36.64	11.82%	―	-2.11%	6.48%
LOB	71 Outperform	$1.65B	24.16	6.31%	0.33%	10.41%	-19.43%
BLX	65 Neutral	$1.54B	7.30	16.12%	5.76%	1.35%	9.65%
LKFN	63 Neutral	$1.54B	15.90	13.50%	3.32%	-2.90%	-1.47%

Pathward Financial Corporate Events

Pathward Financial Declares Q1 2026 Cash Dividend

On November 20, 2025, Pathward Financial, Inc. announced a cash dividend of $0.05 per share for the first quarter of fiscal year 2026, payable on January 2, 2026, to shareholders of record as of December 10, 2025. As of September 30, 2025, the company reported total assets of $7.17 billion and shareholders’ equity of $857.5 million, indicating a stable financial position and commitment to shareholder returns.

Pathward Financial Reports Strong Q4 2025 Results

Pathward Financial announced its fiscal fourth quarter and full-year 2025 results, reporting a net income of $38.8 million for the quarter and $185.9 million for the year, reflecting growth from the previous year. The company completed strategic sales and appointments, contributing to its strong market position and strategy execution. The fourth quarter saw a 4% increase in total revenue driven by a 13% rise in noninterest income, while net interest margin improved due to balance sheet optimization. The company also repurchased shares and originated significant renewable energy leases, enhancing its investment tax credits.