Pathward Financial (CASH) Stock Price, News & Analysis

Company Overview

Pathward Financial (NASDAQ:CASH) is a nationally chartered bank and financial services provider specializing in integrated payment solutions, deposits, and lending products. Headquartered in Sioux Falls, South Dakota, the company operates through multiple channels, including direct-to-consumer platforms and partnerships with fintech firms, retailers, and government agencies. Pathward Financial offers a suite of debit card, prepaid card, and digital wallet solutions designed for payroll distribution, government benefit disbursements, and general-purpose reloadable usage, serving a broad range of end users across the United States.

In addition to its payment card offerings, Pathward Financial provides traditional banking services through its national bank charter, Pathward Financial, N.A. Consumers can access FDIC-insured checking and savings accounts, as well as certificate of deposit products. The bank supports digital account opening, mobile banking, and online bill pay, catering to clients seeking both modern fintech experiences and the security of a regulated banking institution. Pathward Financial also extends commercial lending solutions, including equipment financing, real estate loans, and lines of credit for small and medium-sized businesses.

Originally founded as MetaBank in the early 1990s, the company underwent a strategic rebranding to Pathward Financial in 2022, aligning its corporate identity with its mission to pave pathways for financial opportunity. Over the years, Pathward Financial has grown its presence in key markets through a combination of in-house product development and strategic partnerships. The organization maintains operations in multiple states, supported by a network of compliance, underwriting, and technology teams that ensure regulatory adherence and robust risk management.

Pathward Financial’s leadership team is anchored by Gregory Garrabrants, President and Chief Executive Officer, and Michael Stusinski, Executive Vice President and Chief Financial Officer, who together guide the company’s strategic direction. Under their stewardship, Pathward Financial continues to invest in digital innovation, expand its service offerings, and strengthen relationships with technology innovators and community stakeholders, with the goal of fostering inclusive access to banking and payment services nationwide.

Key Stats

• Today's Range: $80.86 to $83.27
• 50-Day Range: $72.91 to $83.85
• 52-Week Range: $60.42 to $86.00
• Volume: 170,032 shs
• Average Volume: 196,735 shs
• Market Capitalization: $1.93 billion
• P/E Ratio: 10.92
• Dividend Yield: 0.25%
• Price Target: $91.00
• Consensus Rating: Moderate Buy

Pathward Financial Stock Analysis - MarketRank™

Pathward Financial scored higher than 77% of companies evaluated by MarketBeat, and ranked 338th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Pathward Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Pathward Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 16.80%

Earnings Growth

Earnings for Pathward Financial are expected to grow by 16.80% in the coming year, from $7.26 to $8.48 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Pathward Financial is 10.92, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.51.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathward Financial is 10.92, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.17.

Price to Book Value per Share Ratio

Pathward Financial has a P/B Ratio of 2.41. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

6.09% of the float of Pathward Financial has been sold short.

Short Interest Ratio / Days to Cover

Pathward Financial has a short interest ratio ("days to cover") of 6.9.

Change versus previous month

Short interest in Pathward Financial has recently decreased by 13.33%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

Pathward Financial has a dividend yield of 0.25%, which is in the bottom 25% of all stocks that pay dividends.

Dividend Growth

Pathward Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Pathward Financial is 2.70%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Pathward Financial will have a dividend payout ratio of 2.36% next year. This indicates that Pathward Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

6.09% of the float of Pathward Financial has been sold short.

Short Interest Ratio / Days to Cover

Pathward Financial has a short interest ratio ("days to cover") of 6.9.

Change versus previous month

Short interest in Pathward Financial has recently decreased by 13.33%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.4 / 5
• News Sentiment: 1.04

News Sentiment

Pathward Financial has a news sentiment score of 1.04. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.91 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Pathward Financial this week, compared to 4 articles on an average week.

Search Interest

Only 1 people have searched for CASH on MarketBeat in the last 30 days. This is a decrease of -80% compared to the previous 30 days.

MarketBeat Follows

2 people have added Pathward Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Pathward Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $1,403,123.00 in company stock.

Percentage Held by Insiders

Only 1.23% of the stock of Pathward Financial is held by insiders.

Percentage Held by Institutions

92.66% of the stock of Pathward Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CASH Stock Analysis - Frequently Asked Questions

How have CASH shares performed this year?

Pathward Financial's stock was trading at $73.58 on January 1st, 2025. Since then, CASH stock has increased by 10.0% and is now trading at $80.93.

How were Pathward Financial's earnings last quarter?

Pathward Financial, Inc. (NASDAQ:CASH) issued its quarterly earnings data on Tuesday, April, 22nd. The savings and loans company reported $3.11 EPS for the quarter, topping analysts' consensus estimates of $2.71 by $0.40. The savings and loans company earned $262.90 million during the quarter, compared to analysts' expectations of $256.30 million. Pathward Financial had a trailing twelve-month return on equity of 22.50% and a net margin of 22.69%.
Read the conference call transcript.

When did Pathward Financial's stock split?

Pathward Financial's stock split before market open on Friday, October 5th 2018.The 3-1 split was announced on Tuesday, August 28th 2018. The newly created shares were distributed to shareholders after the closing bell on Thursday, October 4th 2018. An investor that had 100 shares of stock prior to the split would have 300 shares after the split.

Who are Pathward Financial's major shareholders?

Top institutional shareholders of Pathward Financial include Wealth Enhancement Advisory Services LLC (0.88%), Tealwood Asset Management Inc. (0.10%), State of Alaska Department of Revenue (0.06%) and Wedge Capital Management L L P NC (0.06%). Insiders that own company stock include Glen William Herrick, Brett L Pharr, Anthony M Sharett, Charles C Ingram, Douglas J Hajek, Michael Robert Kramer, Greg Sigrist, Sonja Anne Theisen, Kendall E Stork, Jennifer W Warren, Frederick V Moore and Christopher Perretta.
View institutional ownership trends.

How do I buy shares of Pathward Financial?

Shares of CASH stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Pathward Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Pathward Financial investors own include American Water Works (AWK), Waste Connections (WCN), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), The RMR Group (RMR), Humana (HUM) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/22/2025
• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Today: 7/18/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 9/30/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CASH
• CIK: 907471
• Web: www.metafinancialgroup.com
• Phone: (877) 497-7497
• Fax: 712-749-7501
• Employees: 1,244
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Pathward Financial: $91.00
• High Price Target: $94.00
• Low Price Target: $88.00
• Potential Upside/Downside: +11.4%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.41
• Trailing P/E Ratio: 11.02
• Forward P/E Ratio: 11.25
• P/E Growth: N/A
• Net Income: $168.36 million
• Net Margins: 22.69%
• Pretax Margin: 26.70%
• Return on Equity: 22.50%
• Return on Assets: 2.43%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 0.77
• Quick Ratio: 0.76

Sales & Book Value

• Annual Sales: $775.94 million
• Price / Sales: 2.51
• Cash Flow: $9.00 per share
• Price / Cash Flow: 9.07
• Book Value: $33.62 per share
• Price / Book: 2.43

Miscellaneous

• Outstanding Shares: 23,850,000
• Free Float: 23,553,000
• Market Cap: $1.95 billion
• Optionable: Optionable
• Beta: 0.62