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Pathward Financial Inc

CASH

76.330USD

-0.730-0.95%

Close 09/19, 16:00（ET）Quotes delayed by 15 min

1.75BMarket Cap

9.67P/E TTM



Pathward Financial Inc

76.330

-0.730-0.95%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated: 2025-09-19

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

115 / 400

Overall Ranking

231 / 4720

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 2 analysts

Hold

Current Rating

88.000

Target Price

+14.20%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Pathward Financial, Inc. is a financial holding company. The Company operates through its subsidiary Pathward, National Association (the Bank). The Bank operates through three segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment includes the banking-as-a-service (BaaS) business line, which collaborates with partners to navigate payment and lending needs. The Bank's capabilities range from prepaid cards and deposit accounts to payment processing and consumer lending. The Bank offers a variety of installment and revolving consumer lending products through its credit solutions. The Commercial segment offers a variety of products through its working capital, equipment finance, structured finance, and insurance premium finance lending solutions. The Corporate Services/Other segment includes certain shared services as well as treasury related functions, such as the investment portfolio, warehouse finance, wholesale deposit, and borrowings.

High Growth

The company's revenue has grown steadily over the past 3 years, averaging 16.31% year-on-year.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 3.04%.

Fairly Valued

The company’s latest PB is 2.14, at a medium 3-year percentile range.

Institutional Selling

The latest institutional holdings are 22.77M shares, decreasing 10.43% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 1.84M shares of this stock.

Financial Health

Currency: USD Updated: 2025-09-19

The company's current financial score is 5.94, which is lower than the Banking Services industry's average of 7.06. Its financial status is robust, and its operating efficiency is low. Its latest quarterly revenue reached 90.44M, representing a year-over-year decrease of 30.77%, while its net profit experienced a year-over-year decrease of 1.80%.

Score

Industry at a Glance

Previous score

5.94

Change



Financials

9.29

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

2.74

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

2.85

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

10.00

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

4.82

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated: 2025-09-19

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 10.15, which is 2.83% below the recent high of 10.43 and 16.53% above the recent low of 8.47.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 115/400

No Data

Earnings Forecast

Currency: USD Updated: 2025-09-19

The company’s current earnings forecast score is 6.00, which is lower than the Banking Services industry's average of 7.39. The average price target for Pathward Financial Inc is 88.00, with a high of 88.00 and a low of 88.00.

Score

Industry at a Glance

Previous score

6.00

Change

Support & Resistance

No Data

Analyst Rating

Based on 2 analysts

Hold

Current Rating

88.000

Target Price

+14.20%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

306

Total

Median

Average

Company name

Ratings

Analysts

Pathward Financial Inc

CASH

JPMorgan Chase & Co

JPM

Bank of America Corp

BAC

Wells Fargo & Co

WFC

US Bancorp

USB

Regions Financial Corp

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-09-19

The company’s current price momentum score is 7.05, which is lower than the Banking Services industry's average of 8.43. Sideways: Currently, the stock price is trading between the resistance level at 80.57 and the support level at 73.61, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.05

Change

-0.17

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(4)

Neutral(2)

Buy(1)

Indicators

Value

Direction

MACD(12,26,9)

-0.190

Sell

RSI(14)

47.588

Neutral

STOCH(KDJ)(9,3,3)

36.395

Buy

ATR(14)

1.951

High Vlolatility

CCI(14)

-23.567

Neutral

Williams %R

61.925

Sell

TRIX(12,20)

-0.068

Sell

StochRSI(14)

74.701

Sell

Moving Average

Sell(4)

Neutral(0)

Buy(2)

Indicators

Value

Direction

MA5

75.772

Buy

MA10

76.084

Buy

MA20

77.419

Sell

MA50

77.542

Sell

MA100

78.333

Sell

MA200

77.206

Sell

Institutional Confidence

Currency: USD Updated: 2025-09-19

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 99.18%, representing a quarter-over-quarter decrease of 11.22%. The largest institutional shareholder is The Vanguard, holding a total of 1.84M shares, representing 8.07% of shares outstanding, with 9.72% increase in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

BlackRock Institutional Trust Company, N.A.

3.27M

-3.16%

The Vanguard Group, Inc.

Star Investors

1.75M

-1.40%

Fidelity Management & Research Company LLC

1.67M

-2.37%

State Street Global Advisors (US)

1.53M

-7.58%

Dimensional Fund Advisors, L.P.

1.29M

-8.93%

American Century Investment Management, Inc.

686.42K

+6.73%

Geode Capital Management, L.L.C.

716.35K

+0.68%

Fidelity Institutional Asset Management

463.07K

-5.39%

Two Sigma Investments, LP

353.93K

+23.93%

JP Morgan Asset Management

377.46K

-16.32%

Risk Assessment

Currency: USD Updated: 2025-09-19

The company’s current risk assessment score is 5.99, which is higher than the Banking Services industry's average of 5.23. The company's beta value is 0.64. This indicates that the stock tends to underperform the index during upward trending markets but experiences smaller declines during downward trending markets.