Spotting Value on the Move With the PEG Ratio
Avoid the value trap with screens that isolate reasonably priced stocks exhibiting earnings growth and price appreciation.
John Bajkowski
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COMPANY SUMMARY
Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, and money market savings 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; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, the company offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well as issues debit and prepaid cards. 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.
Commentary & Analysis
Why Pathward Financial Inc’s (CASH) Stock Is Up 5.38%
As of Thursday, July 25, Pathward Financial Inc’s CASH share price has surged by 5.38%, which has investors questioning if this is right time to sell.Jenna Brashear
Why Pathward Financial Inc’s (CASH) Stock Is Down 4.09%
As of Wednesday, January 31, Pathward Financial Inc’s CASH share price has dipped by 4.09%, which has investors questioning if this is right time to buy.Jenna Brashear
What You Need to Know About Pathward Financial Inc's Q1 Earnings
Pathward Financial Inc's fiscal Q1 earnings report was released on Wednesday, January 24. Let's dive in to see if (CASH) missed or beat analyst's expectations.Eunice Kim
What You Need to Know About Pathward Financial Inc's Q4 Earnings
Pathward Financial Inc's fiscal Q4 earnings report was released on Wednesday, October 25. Let's dive in to see if (CASH) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | CASH | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,855.1 | $716.9 | 53% |
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| Shares Out (Mil) | 21.7 | 15.7 | 32% |
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| Institutional Ownership | 98.7% | 83.0% | 81% |
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| Float (Mil) | 20.7 | 21.2 | 30% |
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| Beta | 0.61 | 0.48 | 35% |
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| Avg Daily Volume (000s) | 249 | 53 | 48% |
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| Price Change (52-week) |
15.0% | 96.7% | 58% |
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| Growth | CASH | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 12.4% | 7.6% | 66% |
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| Net Income (5yr) | 12.2% | 11.1% | 58% |
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| EPS (5yr) | 21.8% | 10.1% | 71 |
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| Dividends (5yr) | 0.0% | 3.6% | 60% |
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| Cash Flow (5yr) | (16.9%) | (17.0%) | 42% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $1.587 | $7.880 | $9.597 | |
| Month Ago EPS | $1.870 | $8.665 | $9.670 | |
| # Rev Up | 0 | 1 | 2 | |
| # Rev Down | 1 | 0 | 0 | |
| Three Months Ago EPS | $1.870 | $8.665 | $9.670 | |
| Year/Year Chg | (52.7%) | 0.1% | na | |
| Financials | CASH | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $777 | $190 | 47% |
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| Net Income (TTM) (Mil) | $189 | $51 | 68% |
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| EPS (TTM) | $8.416 | $2.500 | 93% |
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| Operating Cash Flow (TTM) (Mil) | $675 | $34 | 76% |
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| Net Cash Flow (TTM) (Mil) | ($97) | $1 | 14% |
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| Long-Term Debt (Q1) (Mil) | $55 | $100 | 40% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CASH | Industry Median |
Percentile (All Stocks) |
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| P/B | 2.22 | 1.27 | 54% |
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| P/E | 10.5 | 12.9 | 17% |
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| Dividend Yield | 0.2% | 2.2% | 61% |
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| PEG (5yr hist) | 0.5 | 1.1 | 23% |
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| Ratios | CASH | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 23.4% | 28.9% | 82% |
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| ROA | 2.7% | 1.0% | 60% |
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| ROE | 22.7% | 11.1% | 83% |
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| Liabilities to Assets | 88.0% | 89.8% | 82% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
