CASH - Pathward Financial Stock Price, Fair Value and News

51.09USD+0.34 (+0.67%)Market Closed

Market Summary

USD51.09+0.34

Market Closed

0.67%

CASH Stock Price

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CASH RSI Chart

CASH Valuation

Market Cap

1.3B

Price/Earnings (Trailing)

7.97

Price/Sales (Trailing)

3.03

EV/EBITDA

1.01

Price/Free Cashflow

4.74

CASH Price/Sales (Trailing)

CASH Profitability

EBT Margin

42.08%

Return on Equity

22.39%

Return on Assets

2.06%

Free Cashflow Yield

21.09%

CASH Fundamentals

CASH Revenue

Revenue (TTM)

429.6M

Rev. Growth (Yr)

36.25%

Rev. Growth (Qtr)

5.71%

CASH Earnings

Earnings (TTM)

163.4M

Earnings Growth (Yr)

-0.66%

Earnings Growth (Qtr)

-22.97%

Breaking Down CASH Revenue

Last 7 days

5.3%

Last 30 days

4.5%

Last 90 days

-3.6%

Trailing 12 Months

26.8%

How does CASH drawdown profile look like?

CASH Financial Health

Debt/Equity

0.05

Debt/Cashflow

8.42

CASH Investor Care

Dividend Yield

0.39%

Dividend/Share (TTM)

0.2

Buy Backs (1Y)

7.51%

Diluted EPS (TTM)

6.09

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	343.9M	369.3M	398.7M	429.6M
2022	300.1M	304.0M	312.2M	324.4M
2021	279.6M	282.2M	285.9M	290.6M
2020	319.5M	305.3M	292.8M	283.4M
2019	257.6M	305.1M	325.7M	328.4M
2018	124.9M	128.2M	158.5M	202.7M
2017	154.6M	161.6M	172.2M	183.7M
2016	87.5M	95.9M	100.8M	103.3M
2015	57.7M	60.6M	59.0M	61.6M
2014	45.4M	48.5M	51.7M	54.8M
2013	55.6M	55.5M	39.0M	42.2M
2012	65.2M	70.2M	69.6M	67.3M
2011	77.5M	67.5M	57.5M	57.9M
2010	0	88.7M	97.4M	87.5M
2009	0	0	80.0M	0

Get all data in R, Python etc through our Historical Stock Data APIs

GRUFITY'S FAIR VALUE MODEL

Stocks Marked 'Very Cheap' by Grufity's Fair Value Model Have Outperformed Russell 2000 Index

Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

Returns of $10,000 invested in:

Very Cheap Stocks: $21,859
Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

Russell 2000 Index

Very Expensive Stocks

Very Cheap Stocks

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Tracking the Latest Insider Buys and Sells of Pathward Financial

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 15, 2024	sharett anthony m.	sold	-47,500	47.5	-1,000	president
Mar 01, 2024	warren jennifer w.	acquired	-	-	1,887	svp, chief accounting officer
Mar 01, 2024	zlatkus lizabeth h	acquired	-	-	2,950	-
Mar 01, 2024	shulman becky s	acquired	-	-	2,950	-
Mar 01, 2024	hoople elizabeth g.	acquired	-	-	2,950	-
Mar 01, 2024	mccray ronald d	acquired	-	-	2,950	-
Mar 01, 2024	warren jennifer w.	sold (taxes)	-9,378	50.15	-187	svp, chief accounting officer
Mar 01, 2024	ingram charles c.	acquired	-	-	3,352	evp, chief information officer
Mar 01, 2024	pharr brett l.	acquired	-	-	25,414	chief executive officer
Mar 01, 2024	perretta christopher	acquired	-	-	2,950	-

Which funds bought or sold CASH recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-3.82	-57,335	636,048	0.01%
Apr 23, 2024	AMALGAMATED BANK	reduced	-22.65	-141,000	395,000	-%
Apr 22, 2024	RAYMOND JAMES & ASSOCIATES	reduced	-3.36	-44,898	527,921	-%
Apr 22, 2024	MetLife Investment Management, LLC	reduced	-3.18	73,211	727,735	-%
Apr 22, 2024	Cottage Street Advisors LLC	reduced	-9.46	193,479	929,426	0.56%
Apr 19, 2024	Mesirow Financial Investment Management, Inc.	reduced	-23.18	-75,009	260,123	1.30%
Apr 19, 2024	State of Alaska, Department of Revenue	reduced	-3.41	-67,000	785,000	0.01%
Apr 19, 2024	Maryland State Retirement & Pension System	reduced	-3.48	-59,220	444,462	0.01%
Apr 19, 2024	Advisor Resource Council	sold off	-100	-272,364	-	-%
Apr 18, 2024	Phocas Financial Corp.	unchanged	-	-10,254,700	10,265	0.04%

Are Funds Buying or Selling CASH?

Are funds buying CASH calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CASH

No. of Funds

Unveiling Pathward Financial's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	7.96%	2,069,764	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	5.9%	1,528,223	SC 13G/A
Feb 09, 2024	fmr llc	-	0	SC 13G
Feb 05, 2024	goldman sachs group inc	5.6%	1,460,895	SC 13G
Jan 23, 2024	blackrock inc.	14.6%	3,790,034	SC 13G/A
Feb 10, 2023	dimensional fund advisors lp	5.2%	1,468,764	SC 13G
Feb 09, 2023	fmr llc	-	0	SC 13G/A
Feb 09, 2023	vanguard group inc	7.14%	2,032,037	SC 13G/A
Jan 23, 2023	blackrock inc.	14.5%	4,138,983	SC 13G/A
Feb 10, 2022	vanguard group inc	6.58%	2,009,370	SC 13G/A

Recent SEC filings of Pathward Financial

View All Filings

Date Filed	Form Type	Document
Apr 24, 2024	8-K	Current Report
Mar 18, 2024	4	Insider Trading
Mar 15, 2024	144	Notice of Insider Sale Intent
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading
Mar 05, 2024	4	Insider Trading

Pathward Financial News

Latest updates

Pathward Financial Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	5.7%	116	110	99.00	105	85.00	80.00	74.00	85.00	73.00	72.00	70.00	76.00	68.00	68.00	67.00	79.00	78.00	81.00	82.00	88.00	75.00
EBITDA Margin	-3.6%	1.54*	1.59*	1.62*	1.62*	1.63*	1.78*	1.79*	1.84*	1.87*	1.73*	1.72*	-	-	-	-	-	-	-	-	-	-
Interest Expenses	4.9%	110	105	97.00	101	84.00	80.00	72.00	84.00	72.00	71.00	68.00	74.00	66.00	65.00	62.00	68.00	65.00	66.00	67.00	71.00	60.00
Income Taxes	314.0%	6.00	-2.67	3.00	9.00	7.00	-1.27	7.00	8.00	14.00	1.00	5.00	1.00	4.00	2.00	-2.43	6.00	1.00	-0.13	-1.16	-0.39	-1.69
Earnings Before Taxes	-0.3%	34.00	34.00	49.00	65.00	35.00	23.00	31.00	58.00	76.00	18.00	45.00	61.00	33.00	16.00	17.00	59.00	23.00	21.00	29.00	33.00	15.00
EBT Margin	-7.9%	0.42*	0.46*	0.46*	0.45*	0.45*	0.60*	0.60*	0.65*	0.69*	0.55*	0.55*	-	-	-	-	-	-	-	-	-	-
Net Income	-23.0%	28.00	36.00	45.00	55.00	28.00	23.00	22.00	49.00	61.00	16.00	39.00	59.00	28.00	13.00	18.00	52.00	21.00	20.00	29.00	32.00	15.00
Net Income Margin	-7.3%	0.38*	0.41*	0.41*	0.37*	0.38*	0.50*	0.49*	0.55*	0.60*	0.50*	0.49*	-	-	-	-	-	-	-	-	-	-
Free Cashflow	-81.4%	21.00	111	3.00	140	40.00	-20.53	-6.47	132	155	127	60.00	-	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	5.2%	7,927	7,536	7,459	6,868	6,659	6,747	6,728	6,887	7,610	6,691	7,052	9,790	7,265	6,092	8,779	5,844	6,181	6,183	6,101	6,050	6,183
Cash Equivalents	78.8%	672	376	515	433	369	388	157	238	1,230	314	720	3,724	1,586	427	3,108	109	152	127	101	156	164
Net PPE	-2.3%	38.00	39.00	39.00	40.00	41.00	42.00	42.00	43.00	44.00	45.00	44.00	42.00	40.00	42.00	40.00	39.00	39.00	46.00	46.00	45.00	44.00
Goodwill	-	-	-	-	-	-	-	-	-	-	310	310	310	310	310	310	310	310	310	308	307	303
Liabilities	4.5%	7,198	6,885	6,781	6,195	6,000	6,102	6,003	6,124	6,784	5,819	6,175	8,955	6,451	5,245	7,949	5,039	5,344	5,339	5,278	5,226	5,412
Short Term Borrowings	-100.0%	-	13.00	230	43.00	-	-	-	-	-	-	-	-	-	-	-	717	-	646	-	-	-
Long Term Debt	-0.8%	34.00	34.00	34.00	35.00	35.00	36.00	17.00	91.00	92.00	93.00	94.00	95.00	97.00	98.00	210	211	213	216	-	-	-
Shareholder's Equity	12.0%	730	652	678	673	659	645	725	763	826	872	877	835	813	847	830	805	837	844	823	824	771
Retained Earnings	5.3%	293	279	267	245	247	245	245	224	218	259	263	225	198	235	229	212	244	253	238	259	228
Additional Paid-In Capital	0.2%	630	629	626	623	621	617	615	613	611	604	603	601	599	595	593	591	588	581	579	576	572
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	34.00	-	-	-	38.00	-	-	-
Minority Interest	49.3%	-0.51	-1.00	-0.63	-0.55	-0.21	-0.03	1.00	0.00	1.00	1.00	1.00	1.00	2.00	4.00	4.00	4.00	4.00	4.00	4.00	4.00	3.00
Float	-	-	-	-	1,100	-	-	-	1,500	-	-	-	1,400	-	-	-	693	-	-	-	701	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-80.4%	22,444	114,462	4,820	141,456	42,373	-18,210	-4,330	134,222	157,127	130,934	64,786	215,817	170,108	185,483	16,730	129,510	135,497	19,742	43,130	75,908	52,232
Share Based Compensation	-53.8%	1,234	2,671	2,570	2,558	3,271	2,239	2,241	2,094	3,430	1,762	1,498	2,546	1,046	1,901	1,923	2,891	3,506	2,157	2,255	4,250	4,280
Cashflow From Investing	85.4%	-43,623	-299,784	-489,902	-176,515	45,443	100,069	121,897	-385,321	-147,517	-146,590	-311,224	-478,209	-182,379	-135,443	75,780	-52,179	-94,474	-54,443	-102,936	117,497	-299,316
Cashflow From Financing	584.7%	316,611	46,242	567,260	98,428	-107,072	150,344	-197,467	-741,464	906,405	-390,352	-2,757,682	2,400,057	1,170,910	-2,730,981	2,906,602	-120,107	-15,495	60,612	3,856	-201,228	311,636
Dividend Payments	-0.9%	1,299	1,311	1,327	1,386	1,402	1,452	1,465	1,483	1,521	1,596	1,595	1,596	1,613	1,730	1,717	1,783	1,870	1,886	1,931	1,973	1,970
Buy Backs	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4,956	-	-

CASH Income Statement

2023-12-31

Condensed Consolidated Statements of Operations - USD ($) $ in Thousands	3 Months Ended
	Dec. 31, 2023	Dec. 31, 2022
Interest and dividend income:
Loans and leases, including fees	$ 94,963	$ 68,396
Mortgage-backed securities	10,049	10,412
Other investments	10,886	6,252
Total interest and dividend income	115,898	85,060
Interest expense:
Deposits	3,526	142
FHLB advances and other borrowings	2,336	861
Total interest expense	5,862	1,003
Net interest income	110,036	84,057
Provision for credit loss	9,890	9,776
Net interest income after provision for credit loss	100,146	74,281
Noninterest income:
Gain on sale of trademarks	0	10,000
Gain on sale of other	2,840	502
Other income	5,179	3,555
Total noninterest income	52,761	65,777
Noninterest expense:
Compensation and benefits	46,652	43,017
Refund transfer product expense	192	105
Refund advance expense	30	27
Card processing	34,584	22,683
Occupancy and equipment expense	8,848	8,312
Operating lease equipment depreciation	10,423	9,628
Legal and consulting	4,892	9,459
Intangible amortization	984	1,258
Impairment expense	0	24
Other expense	12,669	10,546
Total noninterest expense	119,274	105,059
Income before income tax expense	33,633	34,999
Income tax expense	5,719	6,577
Net income before noncontrolling interest	27,914	28,422
Net income attributable to noncontrolling interest	257	580
Net income attributable to parent	$ 27,657	$ 27,842
Earnings per common share:
Basic (in dollars per share)	$ 1.06	$ 0.98
Diluted (in dollars per share)	$ 1.06	$ 0.98
Refund transfer product fees
Noninterest income:
Noninterest income:	$ 422	$ 677
Refund advance fee income
Noninterest income:
Noninterest income:	111	617
Card and deposit fees
Noninterest income:
Noninterest income:	30,750	37,718
Rental income
Noninterest income:
Noninterest income:	$ 13,459	$ 12,708

About Pathward Financial

Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, money market savings accounts, and certificate 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; consumer credit products; other consumer financing services; tax solutions, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, it issues prepaid cards; and offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments. 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.

CEO	Mr. Brett L. Pharr
WEBSITE	pathwardfinancial.com
INDUSTRY	Banks Diversified
EMPLOYEES	1186

Pathward Financial Frequently Asked Questions

What is the ticker symbol for Pathward Financial? What does CASH stand for in stocks?

CASH is the stock ticker symbol of Pathward Financial. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Pathward Financial (CASH)?

As of Wed Apr 24 2024, market cap of Pathward Financial is 1.3 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CASH stock?

You can check CASH's fair value in chart for subscribers.

What is the fair value of CASH stock?

You can check CASH's fair value in chart for subscribers. The fair value of Pathward Financial is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Pathward Financial is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CASH so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Pathward Financial a good stock to buy?

The fair value guage provides a quick view whether CASH is over valued or under valued. Whether Pathward Financial is cheap or expensive depends on the assumptions which impact Pathward Financial's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CASH.

What is Pathward Financial's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed Apr 24 2024, CASH's PE ratio (Price to Earnings) is 7.97 and Price to Sales (PS) ratio is 3.03. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CASH PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Pathward Financial's stock?

In the past 10 years, Pathward Financial has provided 0.146 (multiply by 100 for percentage) rate of return.