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Pathward Financial, Inc.

CASH

Last
$71.87
Day
-0.3%
1y
-2.7%
5y
+31.1%
52w
-28.8%
SPY YTD
+13.3%
XLF
-1.3%
Earnings
2026-10-2010d
EMA 21
74.65
EMA 50
78.56
EMA 200
82.19
20d high
-9.7%
5y high
-28.8%
5y range
58th
Website · 1,196 employees · United States

Positions held

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Score
-6
Hold
avoid
Signal
Sell
Target
$75.14
Stop
$69.55
Stop distance
3.2%
Target vs last
+4.5%

Bull / bear case

Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.

Bull case
  • Pathward Financial operates in a competitive regional banking sector, which can benefit from localized customer relationships and tailored services.
  • The company's trailing P/E ratio is 9.14, indicating it may be undervalued compared to industry peers.
  • Pathward's return on equity (ROE) stands at 21.18%, showcasing strong profitability relative to shareholder equity.
Bear case
  • The revenue growth has declined by 13.5% year-over-year, indicating potential challenges in maintaining sales momentum.
  • In the latest quarter, revenue dropped 33% compared to the prior quarter, falling from $232 million to $156 million.
  • The stock has a sell signal with a score of -6.00, reflecting negative trends in key technical indicators.

Fundamentals

Market cap$1.50BEnterprise value$1.57BTrailing P/E9.02Forward P/E7.48
PEG0.20Price / book1.78Beta0.66Dividend yield0.28%
Revenue growth-13.5%Earnings growth-24.7%Gross margin0.0%Operating margin20.5%
Profit margin23.4%ROE21.2%ROA2.4%Debt / equity—
Current ratio—Free cash flow—Analyst recommendationbuyMean target$97.50
52w high$101.2652w low$65.87

Quarterly

2026-Q22026-Q12025-Q42025-Q32025-Q22025-Q1
Revenue$156M$232M$143M$154M$157M—
Op margin——————
Net income$29.0M$72.9M$35.2M$38.8M$42.1M—
Gross margin——————
Gross profit——————
Operating income——————
  • Revenue -33% vs prior quarter ($156M vs $232M).

Yearly (6y)

2025202420232022
Revenue$674M$648M$601M$519M
Op margin————
Net income$186M$183M$143M$151M
Gross margin————
Gross profit————
Operating income————
Headline scan

No flags

• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).

News

CASH · daily-3.3% over 13 sessions
Close EMA21 EMA50 EMA200
70.3071.9673.6375.3076.962026-092026-092026-092026-092026-102026-102026-10
Quarterly · revenue, net income, margins
Revenue Net income Gross margin Op margin
$0M$58M$116M$174M$232M0%5%10%2025-Q22025-Q32025-Q42026-Q12026-Q2