Symbols / CASH Stock $79.93 -3.22% Pathward Financial, Inc.

Financial Services • Banks - Regional • United States • NMS
CASH (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Brett L. Pharr
Exch · Country NMS · United States
Market Cap 1.69B
Enterprise Value 1.61B
Income 188.61M
Sales 777.18M
FCF (ttm) —
Book/sh 39.83
Cash/sh 7.47
Employees 1,181
Insider 10d —
IPO Sep 20, 1993
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 2.38%
P/E 9.50
Forward P/E 8.27
PEG 0.20
P/S 2.17
P/B 2.01
P/C —
EV/EBITDA —
EV/Sales 2.07
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 8.41
EPS next Y 9.67
EPS Growth 6.70%
Revenue Growth -3.70%
EPS Gr Q/Q -2.70%
Rev Gr Q/Q —
Earnings (next) 2026-04-22
Earnings (prior) 2026-04-22
ROA 2.69%
ROE 22.82%
ROIC —
Gross Margin 0.00%
Oper. Margin 38.23%
Profit Margin 24.32%
Shs Outstand 21.11M
Shs Float 20.81M
Insider Own 1.45%
Instit Own 99.23%
Short Float 12.29%
Short Ratio 10.19
Short Interest 2.15M
52W High 101.26
vs 52W High -21.06%
52W Low 65.87
vs 52W Low 21.35%
Beta 0.64
Impl. Vol. 0.20%
Rel Volume 1.05
Avg Volume 239.97K
Volume 252.58K
Target (mean) $107.50
Tgt Median $107.50
Tgt Low $107.00
Tgt High $108.00
# Analysts 2
Recom None
Prev Close $82.59
Price $79.93
Change -3.22%
About

Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, and money market savings accounts. It also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, the company offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well as issues debit and prepaid cards. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$107.50
Mean price target
2. Current target
$79.93
Latest analyst target
3. DCF / Fair value
$126.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$79.93
Low
$107.00
High
$108.00
Mean
$107.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2024-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $67
2024-07-25 main Piper Sandler Overweight → Overweight $75
2024-04-05 main Keefe, Bruyette & Woods Market Perform → Market Perform $58
2024-01-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $60
2024-01-25 main Piper Sandler Overweight → Overweight $68
2023-12-21 main Piper Sandler Overweight → Overweight $69
2023-07-27 main Keefe, Bruyette & Woods Market Perform → Market Perform $59
2023-04-27 main Keefe, Bruyette & Woods — → Outperform $47
2023-04-06 main Keefe, Bruyette & Woods — → Market Perform $47
2023-01-26 main Piper Sandler — → Overweight $58
2022-10-12 main Piper Sandler — → Overweight $54
2022-07-28 down Keefe, Bruyette & Woods Outperform → Market Perform $45
2022-07-11 main Piper Sandler — → Overweight $61
2022-07-07 down Raymond James Strong Buy → Outperform $46
2021-10-28 main Raymond James — → Strong Buy $70
2021-04-28 main Raymond James — → Strong Buy $68
2021-01-28 main Raymond James — → Strong Buy $48
2020-11-16 main Raymond James — → Strong Buy $42
2020-10-29 main Piper Sandler — → Overweight $28
2020-10-29 up Keefe, Bruyette & Woods Market Perform → Outperform $33
News
RSS: Latest CASH news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-29 HAJEK DOUGLAS J Director — 5,000 $86.37 $431,844
2026-02-24 MC CRAY RONALD D Director — 1,650 $0.00 $0
2026-02-24 ZLATKUS LIZABETH H Director — 1,650 $0.00 $0
2026-02-24 SHULMAN BECKY S Director — 1,650 $0.00 $0
2026-02-24 PERRETTA CHRISTOPHER Director — 1,650 $0.00 $0
2026-02-24 HAJEK DOUGLAS J Director — 1,650 $0.00 $0
2026-02-24 HOOPLE ELIZABETH G Director — 1,650 $0.00 $0
2026-02-24 STORK KENDALL E. Director — 1,650 $0.00 $0
2026-02-24 MEHTA NEERAJ Director — 1,650 $0.00 $0
2026-02-23 PHARR BRETT L Chief Executive Officer — 15,641 $93.88 $1,468,421
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Revenue
673.63
+4.01%
647.67
+7.84%
600.59
+15.83%
518.52
Operating Revenue
673.63
+4.01%
647.67
+7.84%
600.59
+15.83%
518.52
Selling General And Administration
200.50
-0.48%
201.47
+9.31%
184.32
+7.71%
171.13
General And Administrative Expense
200.50
-0.48%
201.47
+9.31%
184.32
+7.71%
171.13
Salaries And Wages
200.50
-0.48%
201.47
+9.31%
184.32
+7.71%
171.13
Reconciled Depreciation
59.73
+3.39%
57.77
-11.07%
64.95
+5.44%
61.60
Total Unusual Items
14.28
+282.12%
3.74
-58.38%
8.98
-79.18%
43.12
Total Unusual Items Excluding Goodwill
14.28
+282.12%
3.74
-58.38%
8.98
-79.18%
43.12
Special Income Charges
9.13
+403.09%
-3.01
-144.77%
6.73
-86.36%
49.33
Other Special Charges
—
—
-10.00
+80.00%
-50.00
Write Off
5.92
+96.38%
3.01
-7.97%
3.27
+388.51%
0.67
Net Income
185.87
+1.45%
183.22
+27.89%
143.27
-5.21%
151.13
Pretax Income
223.05
+2.03%
218.62
+41.00%
155.04
-14.01%
180.30
Net Interest Income
511.79
+2.81%
497.82
+21.10%
411.08
+26.65%
324.57
Interest Expense
11.60
-45.38%
21.23
+95.26%
10.87
+123.19%
4.87
Interest Income
523.39
+0.83%
519.06
+23.01%
421.95
+28.08%
329.44
Gain On Sale Of Security
-25.08
0.00
0.00
+100.00%
-1.29
Gain On Sale Of Business
15.04
0.00
0.00
0.00
Tax Provision
36.27
+6.33%
34.11
+255.77%
9.59
-63.41%
26.20
Tax Rate For Calcs
0.00
+4.49%
0.00
+151.61%
0.00
-57.24%
0.00
Tax Effect Of Unusual Items
2.33
+299.27%
0.58
+4.73%
0.56
-91.10%
6.25
Net Income Including Noncontrolling Interests
186.79
+1.23%
184.51
+26.85%
145.46
-5.61%
154.10
Net Income From Continuing Operation Net Minority Interest
185.87
+1.45%
183.22
+27.89%
143.27
-5.21%
151.13
Net Income From Continuing And Discontinued Operation
185.87
+1.45%
183.22
+27.89%
143.27
-5.21%
151.13
Net Income Continuous Operations
186.79
+1.23%
184.51
+26.85%
145.46
-5.61%
154.10
Minority Interests
-0.92
+29.23%
-1.29
+41.01%
-2.19
+26.15%
-2.97
Normalized Income
173.92
-3.41%
180.06
+33.54%
134.84
+18.01%
114.26
Net Income Common Stockholders
185.18
+2.01%
181.54
+28.64%
141.12
-5.07%
148.66
Otherunder Preferred Stock Dividend
0.69
-58.82%
1.68
-21.88%
2.15
-13.35%
2.48
Diluted EPS
7.87
+18.88%
6.62
+10.52%
5.99
+13.88%
5.26
Basic EPS
7.91
+19.31%
6.63
+10.32%
6.01
+14.26%
5.26
Basic Average Shares
23.40
-7.04%
25.17
-6.20%
26.83
-8.19%
29.23
Diluted Average Shares
23.52
-6.66%
25.20
-6.40%
26.93
-7.89%
29.23
Diluted NI Availto Com Stockholders
185.18
+2.01%
181.54
+28.64%
141.12
-5.07%
148.66
Average Dilution Earnings
0.00
+50.00%
0.00
-71.43%
0.01
+600.00%
0.00
Amortization
3.46
-16.34%
4.13
-16.90%
4.97
-24.51%
6.58
Amortization Of Intangibles Income Statement
3.46
-16.34%
4.13
-16.90%
4.97
-24.51%
6.58
Depreciation Amortization Depletion Income Statement
49.09
+6.98%
45.89
-9.46%
50.68
+20.04%
42.22
Depreciation And Amortization In Income Statement
49.09
+6.98%
45.89
-9.46%
50.68
+20.04%
42.22
Depreciation Income Statement
45.64
+9.29%
41.76
-8.65%
45.71
+28.27%
35.64
Occupancy And Equipment
42.09
+15.05%
36.59
+5.47%
34.69
-0.62%
34.91
Other Non Interest Expense
74.78
+26.47%
59.13
+27.88%
46.24
+10.44%
41.87
Professional Expense And Contract Services Expense
36.47
+46.72%
24.86
-8.28%
27.10
-33.30%
40.63
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Total Assets
7,172.34
-4.78%
7,532.02
+0.38%
7,503.40
+11.20%
6,747.41
Cash And Cash Equivalents
120.57
-23.85%
158.34
-57.84%
375.58
-3.21%
388.04
Other Short Term Investments
973.01
-44.12%
1,741.22
-3.49%
1,804.23
-4.18%
1,882.87
Receivables
187.76
+2.29%
183.56
-11.18%
206.67
-9.62%
228.67
Accounts Receivable
38.52
+22.73%
31.39
+34.80%
23.28
+29.50%
17.98
Other Receivables
149.24
-1.93%
152.17
-17.02%
183.39
-12.96%
210.69
Prepaid Assets
—
—
—
—
Net PPE
200.08
-18.13%
244.39
-2.60%
250.91
+1.96%
246.08
Gross PPE
383.99
-7.96%
417.19
+0.73%
414.17
+9.56%
378.01
Accumulated Depreciation
-183.91
-6.43%
-172.79
-5.84%
-163.25
-23.74%
-131.93
Land And Improvements
1.35
+0.00%
1.35
+0.00%
1.35
+0.00%
1.35
Buildings And Improvements
22.20
+2.39%
21.68
+1.66%
21.33
+0.15%
21.30
Machinery Furniture Equipment
81.18
-4.64%
85.13
-2.60%
87.41
+11.63%
78.30
Other Properties
279.25
-9.63%
309.02
+1.63%
304.07
+9.75%
277.06
Goodwill And Other Intangible Assets
310.43
-4.80%
326.09
-1.25%
330.23
-1.48%
335.20
Goodwill
297.93
-3.74%
309.50
+0.00%
309.50
+0.00%
309.50
Other Intangible Assets
12.50
-24.64%
16.59
-19.94%
20.72
-19.35%
25.69
Investments And Advances
1,357.15
-23.51%
1,774.31
-3.61%
1,840.82
-4.35%
1,924.55
Total Liabilities Net Minority Interest
6,314.89
-5.89%
6,709.83
-2.55%
6,885.05
+12.83%
6,102.27
Payables And Accrued Expenses
—
—
248.86
+24.30%
200.21
Payables
—
—
—
—
Accounts Payable
—
—
—
—
Current Accrued Expenses
—
—
248.86
+24.30%
200.21
Current Debt And Capital Lease Obligation
9.00
-97.61%
377.00
+2800.00%
13.00
0.00
Current Debt
9.00
-97.61%
377.00
+2800.00%
13.00
0.00
Other Current Borrowings
9.00
-97.61%
377.00
+2800.00%
13.00
0.00
Long Term Debt And Capital Lease Obligation
33.46
+0.31%
33.35
-1.53%
33.87
-5.98%
36.03
Long Term Debt
33.46
+0.31%
33.35
-1.53%
33.87
-5.98%
36.03
Long Term Capital Lease Obligation
—
—
—
—
Stockholders Equity
858.04
+4.33%
822.47
+32.79%
619.35
-4.00%
645.17
Common Stock Equity
858.04
+4.33%
822.47
+32.79%
619.35
-4.00%
645.17
Capital Stock
0.23
-8.06%
0.25
-5.34%
0.26
-9.03%
0.29
Common Stock
0.23
-8.06%
0.25
-5.34%
0.26
-9.03%
0.29
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
22.84
-8.08%
24.85
-5.24%
26.23
-9.19%
28.88
Ordinary Shares Number
22.77
-8.35%
24.85
-5.10%
26.18
-9.05%
28.79
Treasury Shares Number
0.07
+1762.96%
0.00
-91.02%
0.04
-53.38%
0.09
Additional Paid In Capital
648.33
+1.49%
638.80
+1.64%
628.50
+1.80%
617.40
Retained Earnings
359.83
+6.76%
337.06
+36.81%
246.38
+0.40%
245.39
Gains Losses Not Affecting Retained Earnings
-145.46
+5.17%
-153.39
+39.95%
-255.44
-19.88%
-213.08
Treasury Stock
4.88
+1860.64%
0.25
-27.62%
0.34
-92.89%
4.83
Minority Interest
-0.59
-113.36%
-0.28
+72.44%
-1.00
-3250.00%
-0.03
Other Equity Adjustments
-145.46
+5.17%
-153.39
+39.95%
-255.44
-19.88%
-213.08
Total Equity Gross Minority Interest
857.45
+4.29%
822.19
+32.97%
618.35
-4.15%
645.14
Total Capitalization
891.50
+4.17%
855.82
+31.01%
653.23
-4.11%
681.20
Invested Capital
900.50
-26.96%
1,232.82
+85.05%
666.23
-2.20%
681.20
Total Debt
42.46
-89.65%
410.35
+775.46%
46.87
+30.10%
36.03
Net Debt
—
252.02
—
—
Capital Lease Obligations
—
—
—
—
Net Tangible Assets
547.62
+10.32%
496.37
+71.68%
289.13
-6.73%
309.97
Tangible Book Value
547.62
+10.32%
496.37
+71.68%
289.13
-6.73%
309.97
Available For Sale Securities
354.83
—
—
—
Cash Cash Equivalents And Federal Funds Sold
120.57
-23.85%
158.34
-57.84%
375.58
-3.21%
388.04
Held To Maturity Securities
29.31
-11.43%
33.09
-9.56%
36.59
-12.21%
41.68
Line Item Trend 2025-09-30 2024-09-30 2023-09-30 2022-09-30
Operating Cash Flow
450.62
-7.81%
488.81
+49.07%
327.91
+13.05%
290.05
Cash Flow From Continuing Operating Activities
450.62
-7.81%
488.81
+49.07%
327.91
+13.05%
290.05
Net Income From Continuing Operations
186.79
+1.23%
184.51
+26.85%
145.46
-5.61%
154.10
Depreciation Amortization Depletion
59.73
+3.39%
57.77
-11.07%
64.95
+5.44%
61.60
Depreciation
—
—
64.95
+5.44%
61.60
Depreciation And Amortization
59.73
+3.39%
57.77
-11.07%
64.95
+5.44%
61.60
Other Non Cash Items
269.83
+24274.80%
1.11
+101.61%
-68.80
-192.56%
74.33
Stock Based Compensation
9.51
-7.57%
10.29
-7.08%
11.07
+10.66%
10.00
Asset Impairment Charge
2.92
+44.81%
2.01
+8287.50%
0.02
-96.42%
0.67
Deferred Tax
16.80
+3.92%
16.17
+326.41%
-7.14
-145.21%
15.79
Deferred Income Tax
16.80
+3.92%
16.17
+326.41%
-7.14
-145.21%
15.79
Operating Gains Losses
-32.13
-153.63%
-12.67
-5.27%
-12.04
+75.11%
-48.36
Gain Loss On Investment Securities
25.08
0.00
0.00
+100.00%
-0.15
Gain Loss On Sale Of PPE
0.00
0.00
+100.00%
-9.94
+80.11%
-49.95
Change In Working Capital
-119.58
-169.72%
171.52
+101.46%
85.14
+344.07%
-34.88
Change In Receivables
-7.13
+11.95%
-8.10
-52.80%
-5.30
-207.42%
-1.73
Changes In Account Receivables
-7.13
+11.95%
-8.10
-52.80%
-5.30
-207.42%
-1.73
Change In Payables And Accrued Expense
-33.64
-119.11%
176.04
+260.92%
48.78
+559.24%
-10.62
Change In Accrued Expense
-33.64
-119.11%
176.04
+260.92%
48.78
+559.24%
-10.62
Change In Payable
—
—
—
—
Change In Account Payable
—
—
—
—
Change In Other Working Capital
-2.86
-3.93%
-2.75
-83.77%
-1.50
+38.50%
-2.43
Change In Other Current Assets
-79.57
-574.71%
-11.79
-168.39%
17.24
+152.38%
-32.92
Investing Cash Flow
25.84
+109.83%
-262.93
+72.19%
-945.56
-184.71%
-332.11
Cash Flow From Continuing Investing Activities
25.84
+109.83%
-262.93
+72.19%
-945.56
-184.71%
-332.11
Net PPE Purchase And Sale
-185.72
+30.49%
-267.18
+38.57%
-434.91
-1.27%
-429.46
Purchase Of PPE
-214.03
+22.67%
-276.75
+38.49%
-449.91
-2.52%
-438.87
Sale Of PPE
28.31
+195.79%
9.57
-36.18%
15.00
+59.43%
9.41
Capital Expenditure
-214.03
+22.67%
-276.75
+38.49%
-449.91
-2.52%
-438.87
Net Investment Purchase And Sale
404.44
+100.63%
201.58
+698.47%
25.25
+108.33%
-302.89
Purchase Of Investment
-2.28
+34.20%
-3.46
+97.79%
-156.88
+82.71%
-907.36
Sale Of Investment
406.72
+98.36%
205.05
+12.58%
182.13
-69.87%
604.47
Net Business Purchase And Sale
608.46
0.00
0.00
0.00
Gain Loss On Sale Of Business
-15.04
0.00
0.00
0.00
Net Intangibles Purchase And Sale
0.00
0.00
-100.00%
10.00
-80.00%
50.00
Net Other Investing Changes
11.78
+980.27%
-1.34
-181.44%
1.64
-66.88%
4.96
Financing Cash Flow
-513.03
-15.75%
-443.20
-173.27%
604.86
+413.39%
117.82
Cash Flow From Continuing Financing Activities
-513.03
-15.75%
-443.20
-173.27%
604.86
+413.39%
117.82
Net Issuance Payments Of Debt
-368.00
-201.10%
364.00
+2700.00%
13.00
+123.60%
-55.08
Issuance Of Debt
—
0.00
0.00
-100.00%
20.00
Repayment Of Debt
—
0.00
0.00
+100.00%
-75.08
Long Term Debt Issuance
—
0.00
0.00
-100.00%
20.00
Long Term Debt Payments
—
0.00
0.00
+100.00%
-75.08
Net Long Term Debt Issuance
—
0.00
0.00
+100.00%
-55.08
Net Short Term Debt Issuance
-368.00
-201.10%
364.00
+2700.00%
13.00
0.00
Net Common Stock Issuance
-163.05
-87.73%
-86.85
+27.89%
-120.44
+28.41%
-168.24
Common Stock Payments
-163.05
-87.73%
-86.85
+27.89%
-120.44
+28.41%
-168.24
Common Stock Dividend Paid
-4.69
+7.52%
-5.07
+6.62%
-5.43
+8.36%
-5.92
Cash Dividends Paid
-4.69
+7.52%
-5.07
+6.62%
-5.43
+8.36%
-5.92
Repurchase Of Capital Stock
-163.05
-87.73%
-86.85
+27.89%
-120.44
+28.41%
-168.24
Proceeds From Stock Option Exercised
—
0.00
0.00
-100.00%
2.89
Net Other Financing Charges
-1.23
-3.63%
-1.19
+78.14%
-5.42
+21.42%
-6.90
Changes In Cash
-36.56
+83.18%
-217.32
-1599.30%
-12.79
-116.88%
75.75
Effect Of Exchange Rate Changes
-1.21
-1587.65%
0.08
-75.53%
0.33
+119.07%
-1.74
Beginning Cash Position
158.34
-57.84%
375.58
-3.21%
388.04
+23.57%
314.02
End Cash Position
120.57
-23.85%
158.34
-57.84%
375.58
-3.21%
388.04
Free Cash Flow
236.59
+11.57%
212.05
+273.82%
-121.99
+18.03%
-148.82
Interest Paid Supplemental Data
11.98
-42.70%
20.91
+93.26%
10.82
+105.72%
5.26
Income Tax Paid Supplemental Data
19.05
-6.41%
20.36
+32.07%
15.41
+10.58%
13.94
Common Stock Issuance
0.00
-100.00%
0.00
+200.00%
0.00
0.00
Issuance Of Capital Stock
0.00
-100.00%
0.00
+200.00%
0.00
0.00
Sale Of Business
608.46
0.00
0.00
0.00
Sale Of Intangibles
0.00
0.00
-100.00%
10.00
-80.00%
50.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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