Reading the tape
NASDAQ: CASH
Pathward Financial, Inc.
Financial Services · Banks - Regional
Market Cap
$2.12B
52w High
$96.13
52w Low
$65.87
P/E
11.09
Volume
147.08K
Outstanding Shares
22.34M
Price vs Fundamentals
Why The Stock Is Moving
Fundamentals are supporting the moveModerate confidence
Note: The most recent financial data is over 3 months old. Metrics shown may not reflect the latest reporting period.
1Y Price: 41.24%Revenue (TTM): 11.36%FCF (TTM): 210.56%P/FCF: 27th pct
What changed
The stock rose 41.24% over the last year. Revenue grew 11.36% over the trailing twelve months. Operating margin moved from 32.54% to 31.69%. Free cash flow grew 210.56% over the trailing twelve months.
What the market seems to be pricing
The stock move broadly lines up with stronger business momentum, and the shares are still only around the 27th percentile of their historical P/FCF range.
What would invalidate this read
Operating margin is at 31.69%. Revenue grew 11.36% — this thesis depends on that trajectory holding. If revenue growth, margins, or free cash flow roll over while the stock keeps climbing, more of the move would be coming from multiple expansion than business progress.
Company profile
Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States.
CEOBrett L. Pharr
SectorFinancial Services
IndustryBanks - Regional
Employees1,155
IPO dateSep 20, 1993
Valuation
Forward P/E—
EV/EBITDA5.85
Enterprise value$1.65B
Price / Book2.47
Stock splits
Oct 5, 2018↑ Forward
Every 1 shares became 3
Jan 3, 1997↑ Forward
Every 2 shares became 3
Profitability & growth
Standard profitability metrics can be misleading for financial/insurance companies. GAAP requires unrealized investment gains/losses in net income (affecting ROE), and margins are blended across diverse business segments.
Income growth48.87%
Gross marginN/A
Operating margin36.16%▼2.49%vs FY2024
ROE21.66%▼0.70%vs FY2024
Analyst consensus
RatingBuy
Target price$82.00▼13.60%
8
Buy
1
Hold
0
Sell
⚠ Analyst ratings tend to be lagging indicators — upgrades often follow price gains rather than precede them. Use as one signal among many.
Earnings
Last 3 reported quarters plus the next estimate. Switch into compare mode to inspect one metric year-over-year.
Next report
Apr 28, 2026
View
EPS
Actual vs estimate by quarter
Q3FY25
ActualEst.
$1.82
—
Q4FY25
ActualEst.
$1.69
$1.38
Q1FY26
ActualEst.
$1.57
$1.38
Q2FY26
Next Est.
—
Revenue
Actual vs estimate by quarter
Q3FY25
ActualEst.
$158.09M
—
Q4FY25
ActualEst.
$155.35M
$195M
Q1FY26
ActualEst.
$173.1M
$185.8M
Q2FY26
Next Est.
—
Dividends
$0.20/shareQuarterlyDividend Aristocrat · 30yrCASH pays a dividend with a 0.21% dividend yield, 30 consecutive years of growth.
Dividend Yield
0.21%
Annual Div / Share
$0.20
5yr CAGR
+0%
Payout Ratio
2.4%
Bank — specialized metrics apply
Dividend Growth Rate
3yr CAGR
+0%
5yr CAGR
+0%
10yr CAGR
+1.44%
Dividend History
Annualized dividend cycles per share
YearAnnual DivYoY
2025$0.20+0.0%
2024$0.20+0.0%
2023$0.20+0.0%
2022$0.20+0.0%
2021$0.20+0.0%
2020$0.20+0.0%
2019$0.20+3.4%
Income Projection
Invest
$
Growth rate:
Reinvest dividends
Today
$2/yr
$0/mo
In 5 yrs
$2/yr
$0/mo
In 10 yrs
$2/yr
$0/mo
| Today | In 5 yrs | In 10 yrs |
|---|---|---|
$2/yr $0/mo | $2/yr $0/mo | $2/yr $0/mo |
5yr and 10yr income use the current dividend with no growth assumption because bank payout growth depends on earnings cycles, regulation, and capital policy.
Analysis
Dividend Strengths
Dividend Aristocrat
CASH has raised its dividend for 30 consecutive years — qualifying as a Dividend Aristocrat, demonstrating long-term commitment to shareholder income.
Risks to Watch
No strong risk signal stands out from the latest period pair.