Pathward Financial Inc
Pathward Financial Inc (CASH) is listed on NASDAQ and classified in Banks - Regional, part of the Financial Services sector. It is headquartered in Sioux Falls, United States and has 1,196 employees. The company is worth $1.59B and trades at 9.6x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $839.89M in fiscal 2025, up 5.3% from the year before. Net income was $185.87M. The share price is 24.2% below its 52-week high of $101.26. It pays a dividend yielding 0.26%. 6 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Israel Englander (Millennium Management), at $14.5M. In that quarter, 3 of them opened or added to the position and 2 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +22.0% over 5Y.
today you would have $1,338.85▲ +33.9%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 17 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $71.00 | $73.58 | $52.93 | $43.05 | $59.66 | $36.56 | $36.51 | $19.39 | $30.88 | $34.30 | $15.31 | $11.68 | $13.44 | $7.60 | $5.55 | $4.59 | $6.97 | |
| P/E |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 21.8% a year plus a 0.3% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 12.0 across this company’s own years on record.
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| OCFCOceanfirst Financial Corp | $16.62 | 20.0x | 0.7x | 4.81% | 2.37% | $1.61B |
| OBKOrigin Bancorp, Inc. | $53.03 | 16.7x | 1.3x | 1.89% | 8.02% | $1.64B |
| BFCBank First Corp | $147.70 | 19.2x | 2.0x | 1.62% | 11.32% | $1.64B |
| CNOBConnectOne Bancorp, Inc. | $32.82 |
| 12.0x |
| 9.0x |
| 10.2x |
| 10.1x |
| 8.5x |
| 13.6x |
| 12.4x |
| 14.7x |
| 11.6x |
| 19.2x |
| 26.4x |
| 17.3x |
| 13.8x |
| 16.9x |
| 4.6x |
| 11.2x |
| 3.4x |
| — |
| P/S | 2.3x | 1.9x | 2.2x | 1.9x | 2.0x | 3.3x | 2.5x | 2.8x | 2.4x | 3.4x | 5.3x | 3.2x | 2.2x | 2.7x | 1.2x | 0.6x | 0.3x | — |
| P/B | 1.7x | 1.8x | 2.2x | 2.2x | 1.9x | 2.1x | 1.4x | 1.6x | 1.0x | 2.1x | 2.8x | 1.4x | 1.2x | 1.7x | 0.9x | 0.7x | 0.6x | — |
| EPS | $7.87 | $7.20 | $5.24 | $5.09 | $4.38 | $2.94 | $2.49 | $1.67 | $1.61 | $1.30 | $0.89 | $0.84 | $0.79 | $1.64 | $0.50 | $1.37 | -$0.19 |
| Dividend yield | 0.56% | 0.28% | 0.27% | 0.38% | 0.46% | 0.34% | 0.55% | 0.55% | 0.96% | 0.56% | 0.51% | 1.13% | 1.48% | 1.29% | 2.28% | 3.12% | 3.77% | 2.49% |
| Payout | 10.67% | 2.54% | 2.78% | 3.82% | 3.93% | 4.57% | 6.80% | 8.03% | 11.18% | 10.77% | 13.33% | 19.55% | 20.55% | 21.85% | 10.57% | 34.90% | 12.65% | — |
| Profit margin | 16.92% | 22.13% | 22.98% | 19.69% | 24.44% | 25.77% | 20.99% | 19.93% | 16.38% | 16.92% | 18.66% | 15.38% | 16.03% | 14.66% | 16.57% | 5.05% | 9.49% | -1.36% |
| ROE | 11.55% | 21.66% | 22.28% | 23.13% | 23.87% | 16.27% | 12.41% | 11.55% | 6.94% | 10.34% | 9.92% | 6.65% | 8.99% | 9.38% | 11.73% | 5.76% | 17.20% | -3.09% |
Median of the years shown; P/E years above 200x are left out.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
5 methods answered, across 2 families.
Room for errors in the reported numbers.
+415.3% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 10.0x |
| 1.1x |
| 2.38% |
| 10.25% |
| $1.65B |
| LOBLive Oak Bancshares, Inc. | $35.71 | 12.4x | 1.4x | 0.34% | 11.68% | $1.65B |
| TOPTOP Financial Group Ltd | $13.42 | — | 3.2x | 0.00% | -3.83% | $1.66B |