What is Pathward Financial, Inc.'s (CASH) StockRank?

MoatMap's StockRank for Pathward Financial, Inc. (CASH) is 43/100, with a Hold signal. This is a composite score combining Quality (66), Value (44), and Momentum (26) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Pathward Financial, Inc. have an economic moat?

Pathward Financial, Inc. (CASH) has a Quality factor score of 66/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Pathward Financial, Inc. a buy, hold, or sell?

MoatMap's current signal for Pathward Financial, Inc. (CASH) is Hold, based on a StockRank of 43/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Pathward Financial, Inc. in?

Pathward Financial, Inc. (CASH) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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CASH

HoldFallen Favourite

Pathward Financial, Inc. · Financial Services · United States · $1.7B · Avg Vol: $14M/d

StockRank

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P/E (TTM)

10.4x

ROE

21.2%

D/E

0.0x

Dividend %

0.2%

COMPANY DESCRIPTION

Pathward Financial, Inc. is a financial services company and bank holding company specializing in innovative payment solutions, commercial finance, and Banking-as-a-Service (BaaS) for fintech partners. The company differentiates itself through its strong regulatory compliance expertise and scalable technology platforms, enabling rapid deployment of financial products for its partners.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	518.5M	600.6M	647.7M	673.6M	9.1%	752.0M	656.4M	693.7M	1.5%
EPS	5.26	6.01	6.63	7.91	14.6%	7.99	8.50	10.35	14.4%
Shares	28.8M	26.2M	24.8M	22.8M	-20.9%	20.8M	—	—	—
Debt	36.0M	46.9M	410.4M	42.5M	5.6%	223.8M	—	—	—
Equity	645.2M	619.4M	822.5M	858.0M	10.0%	—	—	—	—
Op CF	290.0M	327.9M	488.8M	450.6M	15.8%	696.9M	—	—	—
Inv CF	-332.1M	-945.6M	-262.9M	25.8M	—	—	—	—	—
Fin CF	117.8M	604.9M	-443.2M	-513.0M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-11.0%

SMA 50SMA 200

$79.10

RSI (14)

30.8

52W High

$101.20

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.4%*60.6

ROE

21.2%86.3

GP/Assets

10.5%N/A

Op. Margin

20.5%36.8

FCF/Assets

6.4%N/A

Piotroski

685.8

Int. Cover

—50.0

D/E Ratio

0.05xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

10.4x66.5

EV/EBITDA

bankN/A

P/FCF

3.7xN/A

P/B

2.1x24.5

P/S

2.3x71.7

Div Yield

0.2%2.0

Momentum

52W High %

78%24.2

RS 6M

-25%9.2

SMA 50/200

1.02x45.5

EPS Rev 4W

0.0%27.7

EPS Rev 12W

-0.8%28.9

EPS Improve

+20%49.5

Q Growth

-31%10.9

FUNDAMENTALS

Market Cap

$1.7B

P/E (Forward)

8.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CASH are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
CASH	Pathward Financial, Inc.(you)	$1.7B	43	Hold
OCFC	OceanFirst Financial Corp.	$1.8B	37	Hold
NBHC	National Bank Holdings Corporation	$1.8B	36	Hold
FSUN	FirstSun Capital Bancorp	$1.8B	34	Sell
TBBK	The Bancorp, Inc.	$2.7B	43	Hold
BFC	Bank First Corporation	$1.7B	53	Hold
LKFN	Lakeland Financial Corporation	$1.5B	52	Hold
ESQ	Esquire Financial Holdings, Inc.	$1.4B	35	Hold
EQBK	Equity Bancshares, Inc.	$1.0B	40	Hold
LOB	Live Oak Bancshares, Inc.	$1.9B	54	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Price	$79.10
Market Cap	$1.7B
P/E (TTM)	10.41
P/E (Forward)	8.67
Price/Book	2.06
Return on Equity	21.2%
Debt/Equity	0.05x
Operating Margin	20.5%
Revenue Growth	-13.5%
Dividend Yield	0.2%
Free Cash Flow	$461M