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Pathward Financial, Inc.

CASH Financial Banks Regional

Pathward Financial, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $851.5 million, up 4.01% from fiscal 2024. In the quarter to June 2026, revenue fell 3.18%, EPS fell 24.7%, free cash flow grew 20.5% and total debt was flat, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for five.

72.93 0.81 +1.12%
Market cap
$1.5B
P/E
9.1×
Fwd P/E
9.2×
Dividend yield
0.27%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 2.68
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — 1 2 — 1 1 — — — — —
Insider Ownership 2.92%

Capital & Financial Ratios $m

Market Cap 1,500.00
Revenue 836.00
Net Income 176.75
Free Cash Flow 672.67
Net Debt (115.88)
Current Ratio 0.82
Debt/Equity 0.04
P/E ratio 9.10
Fwd P/E 9.21
P/S ratio 1.84
P/B ratio 1.81
Past 5Y EPS Growth 21.77% (at or above 15%: strong)
This Y EPS Growth 0.72%
Next Y EPS Growth 21.66% (at or above 15%: strong)
Next Y revenue growth (3.85%) (below 0%: weak)
Next 5Y EPS Growth 11.81%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 18.76%
10-year low 10-year high
P/S against its own 10 years 18.50%
10-year low 10-year high
P/B against its own 10 years 44.05%
10-year low 10-year high

Dividends

Payout Ratio 0.03
Annual Dividend Rate 0.20
Annual Dividend Yield 0.27%
total individual payouts
2027 Powerpack
2026 0.20
0.05
0.05
0.05
2025 0.20
0.05
0.05
0.05
0.05
2024 0.20
0.05
0.05
0.05
0.05
2023 0.20
0.05
0.05
0.05
0.05
2022 0.20
0.05
0.05
0.05
0.05
2021 0.20
0.05
0.05
0.05
0.05
2020 0.20
0.05
0.05
0.05
0.05
2019 0.20
0.05
0.05
0.05
0.05
2018 0.19
0.04
0.04
0.05
0.05
2017 0.17
0.04
0.04
0.04
0.04
2016 0.17
0.04
0.04
0.04
0.04
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 376 158 121 149
Receivables — — — —
Inventory — — — —
Other — — — —
4,750 4,885 4,950 5,282
2023 2024 2025 Q'26
Payables 6,589 5,875 5,887 5,950
ST’ Debt — — — —
Other — — — —
6,851 6,676 6,281 6,430

Compound Annual Growth %

10y 5y 3y
Sales 21.67% 9.84% 10.96%
Cash Flow 24.79% (0.72%) 15.82%
Earnings 26.21% 12.60% 7.60%
Book Value 12.19% 0.24% 9.95%

Revenue $m

Dec Mar Jun Sep Year
’26 175 282 191 — —
’25 186 281 197 188 851
’24 178 266 192 183 819
’23 151 232 167 189 739
’22 159 195 128 141 623
’21 114 189 132 122 557
’20 115 200 108 109 533
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Dec Mar Jun Sep Year
’26 108 233 52 — —
’25 (72) 188 30 304 451
’24 30 203 113 143 489
’23 42 141 5 139 328
’22 157 134 (4) 3 290
’21 170 216 65 131 582
’20 135 130 17 185 467
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Dec Mar Jun Sep Year
’26 104 231 58 — —
’25 (74) 185 48 280 439
’24 28 201 111 139 479
’23 50 140 3 136 329
’22 205 132 (6) 1 332
’21 170 212 60 127 569
’20 133 127 13 182 455
Fiscal quarters ending in the months shown.

EPS $

Dec Mar Jun Sep Year
’26 1.57 3.35 1.37 — —
’25 1.29 3.11 1.81 1.69 7.87
’24 1.06 2.56 1.66 1.35 6.62
’23 0.98 1.99 1.68 0.63 5.99
’22 2.00 1.66 0.76 0.71 5.26
’21 0.84 1.84 1.21 0.50 4.38
’20 0.56 1.45 0.53 0.38 2.94
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to September

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 12.07 20.23 18.01 17.84 13.09 32.76 31.16 39.75 46.68 64.45

Analyst estimates 2026–2028

Powerpack
High 35.62 35.63 39.33 36.77 40.00 65.96 63.82 60.49 86.00 86.00
People
People Employees 672 827 1,219 1,219 1,015 1,134 1,154 1,199 1,244 1,182
Revenue/emp, $m 0.27 0.34 0.28 0.45 0.52 0.49 0.54 0.62 0.66 0.72
Income, $m
Income, $m Revenue 182 280 343 548 533 557 623 739 819 851
Gross margin, % 97.75 94.69 91.84 88.78 93.65 98.77 99.22 98.53 97.41 98.64
EBT 39 55 57 98 115 156 180 155 219 223
EBT margin, % 21.31 19.68 16.73 17.86 21.59 28.10 28.93 20.99 26.71 26.20
Net income 33 45 52 101 109 146 154 145 185 187
Depreciation 36 55 38 55 61 59 62 65 58 60
Per share, $
Per share, $ Revenue 7.19 10.10 11.16 14.46 15.29 17.55 21.32 27.52 32.52 36.39
Earnings 1.32 1.62 1.68 2.49 2.94 4.38 5.26 6.01 6.63 7.91
Cash flow 3.10 4.33 4.48 5.04 13.41 18.33 9.92 12.22 19.42 19.26
Capex (0.27) (0.24) (0.28) (0.37) (0.35) (0.41) 1.43 0.05 (0.40) (0.50)
Free cash flow 2.83 4.08 4.20 4.67 13.07 17.93 11.36 12.27 19.02 18.76
Book value 13.22 15.66 24.33 22.25 24.33 27.48 22.07 23.04 32.67 36.65
Shares, m 25 28 31 38 35 32 29 27 25 23
Valuation, ×
Valuation, × P/E 15.38 16.51 15.82 13.15 6.58 11.95 6.43 8.81 9.96 9.32
P/S 2.81 2.62 2.43 2.26 1.26 2.99 1.55 1.69 2.03 2.03
P/B 1.53 1.69 1.12 1.47 0.79 1.91 1.49 2.02 2.02 2.02
EV/Sales (0.93) (1.59) 2.40 2.42 0.64 2.59 0.98 1.23 1.88 1.93
EV/FCF (2.37) (3.94) 6.37 7.49 0.75 2.54 1.84 2.76 3.21 3.75
Cash, $m
Cash, $m Operating cash flow 78 120 138 191 467 582 290 328 489 451
Capex (7) (7) (9) (14) (12) (13) 42 1 (10) (12)
Free cash flow 72 113 129 177 455 569 332 329 479 439
Balance, $m
Balance, $m Working capital (1,864) (2,103) (1,929) (1,198) (1,252) (1,798) (2,149) (2,102) (1,792) (1,331)
Total debt 92 86 89 216 98 93 36 34 33 33
Net debt (681) (1,182) (11) 89 (329) (221) (352) (342) (125) (87)
Shareholders’ equity 335 434 748 844 847 872 645 618 822 857
Returns, %
Returns, % ROA 1.02 0.97 0.93 1.57 1.67 2.17 2.21 1.98 2.41 2.52
ROIC 0.00 0.00 4.87 7.21 14.11 15.30 38.59 35.77 19.87 18.58
ROE 10.96 11.67 8.73 11.89 12.10 16.17 19.60 22.34 25.20 22.05
Negative figures in brackets.

All 10 years →

Fiscal years to Sep 2025 · latest quarter Jun 2026

Charts ten years each

Pathward Financial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OCFC OceanFirst Financial Corp. $1.6B 18.6× 18.0× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
CNOB ConnectOne Bancorp, Inc. $1.5B 9.9× 9.4× +32.81% (above 0%: growing) n/m +427.03% (above 0%: growing) 60.53% 0.00% Compare
CASH Pathward Financial, Inc. $1.5B 9.1× 9.2× −3.18% (below 0%: shrinking) −24.73% (below 0%: shrinking) +20.54% (above 0%: growing) 99.41% 0.00%
TFIN Triumph Financial, Inc. $1.5B 41.6× 40.6× +13.51% (above 0%: growing) +193.33% (above 0%: growing) +372.54% (above 0%: growing) 82.38% 0.00% Compare
ESQ Esquire Financial Holdings, Inc. $1.4B 18.4× 28.7× +18.87% (above 0%: growing) +6.08% (above 0%: growing) +59.96% (above 0%: growing) 88.35% 0.00% Compare
LKFN Lakeland Financial Corporation $1.4B 13.3× 13.8× +1.75% (above 0%: growing) +8.57% (above 0%: growing) +36.16% (above 0%: growing) 65.79% 0.00% Compare
AMAL Amalgamated Financial Corp. $1.4B 12.4× 10.7× +15.47% (above 0%: growing) +36.47% (above 0%: growing) −23.52% (below 0%: shrinking) 75.97% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.1× 8.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 13.5× 12.7× −2.49% (below 0%: shrinking) +4.46% (above 0%: growing) −33.14% (below 0%: shrinking) 94.98% 0.00% Compare
Median of peers $1.4B 13.4× 13.3× +17.17% +7.33% +42.88% 73.42% 0.00%

All 323 Banks Regional stocks →

Pathward Financial, Inc. (CASH) key facts

  • Strength: Pathward Financial, Inc.’s revenue for fiscal 2025 (year ended September 2025) was $851.5 million, up 4.01% from fiscal 2024.
  • Pathward Financial, Inc. (CASH) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CASH traded at $72.93, a market capitalization of $1.5 billion.
  • Pathward Financial, Inc. pays an annual dividend of $0.20 per share, a yield of 0.27%, with a payout ratio of 2.51%.
  • Return on equity was 22.1% and debt-to-equity 0.04.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Pathward Financial, Inc. (CASH) Latest News

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stockrow.com/CASH · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com