Pathward Financial (CASH) Stock Price, News & Analysis

Company Overview

Pathward Financial (NASDAQ:CASH) is a U.S.-based financial services company that operates through its wholly owned subsidiary, Pathward Bank. The company provides a range of banking and payment solutions designed for consumers, small businesses, community banks and fintech partners. Core offerings include deposit accounts, consumer and commercial lending, debit and prepaid card programs, digital banking platforms and treasury management services.

Through its banking charter, Pathward Financial delivers customizable payment solutions, including prepaid cards, payroll cards and benefit disbursement programs. The company’s digital banking suite supports mobile and online account opening, account management, automated clearing house (ACH) processing and real-time account alerts. Its lending activities encompass unsecured and secured consumer loans, small-business lines of credit and specialty finance products tailored to niche markets.

Originally organized as a bank holding company in 2005, the firm formerly traded under the Meta Financial Group name before rebranding to Pathward Financial in mid-2023. Headquartered in Sioux Falls, South Dakota, Pathward serves customers across all 50 states through direct channels and through partnerships with community banks, credit unions, school districts and fintech firms. The company is governed by an experienced executive team with backgrounds in banking, payments technology and financial regulation.

Key Stats

• Today's Range: $77.72 to $78.83
• 50-Day Range: $72.32 to $83.85
• 52-Week Range: $62.79 to $86.00
• Volume: 58,602 shs
• Average Volume: 194,476 shs
• Market Capitalization: $1.86 billion
• P/E Ratio: 10.35
• Dividend Yield: 0.26%
• Price Target: $91.00
• Consensus Rating: Moderate Buy

Pathward Financial Stock Analysis - MarketRank™

Pathward Financial scored higher than 68% of companies evaluated by MarketBeat, and ranked 464th out of 927 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 1 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 10.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 271.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of Pathward Financial is 10.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 230.47.

Price to Book Value per Share Ratio

Pathward Financial has a P/B Ratio of 2.27. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

5.36% 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 3.82%, indicating that investor sentiment is improving.

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 2.65%. 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

5.36% 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 3.82%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.17

News Sentiment

Pathward Financial has a news sentiment score of 1.17. 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 0.96 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Pathward Financial this week, compared to 5 articles on an average week.

Search Interest

Only 5 people have searched for CASH on MarketBeat in the last 30 days. This is a decrease of -29% compared to the previous 30 days.

MarketBeat Follows

Only 1 people have added Pathward Financial to their MarketBeat watchlist in the last 30 days. This is a decrease of -50% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Pathward Financial insiders have not sold or bought any 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 at the beginning of 2025. Since then, CASH stock has increased by 5.8% and is now trading at $77.8720.

How were Pathward Financial's earnings last quarter?

Pathward Financial, Inc. (NASDAQ:CASH) issued its earnings results on Monday, July, 28th. The savings and loans company reported $1.81 EPS for the quarter, beating analysts' consensus estimates of $1.57 by $0.24. The company's revenue for the quarter was up 10.8% on a year-over-year basis.
Read the conference call transcript.

When did Pathward Financial's stock split?

Pathward Financial shares split before market open on Friday, October 5th 2018.The 3-1 split was announced on Tuesday, August 28th 2018. The newly issued 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 State Street Corp (5.91%), American Century Companies Inc. (3.04%), Geode Capital Management LLC (2.93%) and JPMorgan Chase & Co. (1.84%). Insiders that own company stock include Glen William Herrick, Brett L Pharr, Anthony M Sharett, Charles C Ingram, Douglas J Hajek, 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

• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Last Earnings: 7/28/2025
• Today: 9/04/2025
• Record date for 10/1 Dividend: 9/10/2025
• Ex-Dividend for 10/1 Dividend: 9/10/2025
• Fiscal Year End: 9/30/2025
• Dividend Payable: 10/01/2025
• Next Earnings (Estimated): 10/22/2025

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: 1954

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: +16.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.56
• Trailing P/E Ratio: 10.30
• Forward P/E Ratio: 10.73
• P/E Growth: N/A
• Net Income: $168.36 million
• Net Margins: 22.23%
• Pretax Margin: 26.14%
• Return on Equity: 22.16%
• Return on Assets: 2.46%

Debt

• Debt-to-Equity Ratio: 0.04
• Current Ratio: 0.78
• Quick Ratio: 0.77

Sales & Book Value

• Annual Sales: $775.94 million
• Price / Sales: 2.39
• Cash Flow: $8.81 per share
• Price / Cash Flow: 8.84
• Book Value: $34.30 per share
• Price / Book: 2.27

Miscellaneous

• Outstanding Shares: 23,850,000
• Free Float: 23,553,000
• Market Cap: $1.86 billion
• Optionable: Optionable
• Beta: 0.64