Pricing Log in Create free account

Amalgamated Financial Corp. (AMAL) vs Pathward Financial, Inc. (CASH)

Amalgamated Financial Corp. and Pathward Financial, Inc. are both Banks Regional companies. Amalgamated Financial Corp. and Pathward Financial, Inc. are of similar size ($1.5B and $1.4B). Pathward Financial, Inc. trades at the lower P/E: 9.1× against 12.4×. Amalgamated Financial Corp. grew revenue faster over the last twelve months: 10.9% against −1.26%. Amalgamated Financial Corp. has the higher net margin (23.3% vs 21.0%) and the lower return on invested capital (13.9% vs 18.2%). Both pay a dividend; Amalgamated Financial Corp. yields more (1.38% vs 0.27%). Across the 19 metrics below, Pathward Financial, Inc. leads on 13 and Amalgamated Financial Corp. on 6.

Valuation

Metric AMAL CASH Banks Regional median
P/E 12.44 9.10 11.98
P/S 2.90 1.84 2.34
P/B 1.69 1.81 1.19
Price to free cash flow 9.60 2.28 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.04% 10.98% 8.23%
Free cash flow yield 10.41% 43.78% 9.08%

Profitability

Metric AMAL CASH Banks Regional median
Gross margin 74.61% 98.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 23.34% 21.00% 18.66%
Free cash flow margin 30.17% 80.46% 21.11%
Return on equity 14.28% 21.03% 10.65%
Return on assets 1.26% 2.41% 1.13%
Return on invested capital 13.89% 18.19% 8.35%

Growth

Metric AMAL CASH Banks Regional median
Revenue growth (TTM) 10.87% (1.26%) 6.98%
EPS growth (last fiscal year) (0.87%) 18.88% 18.88%
Revenue growth, 5-year CAGR 14.42% 9.84% 12.38%
Net income growth, 5-year CAGR 17.73% 12.60% 9.71%

Health

Metric AMAL CASH Banks Regional median
Debt to equity 0.08 0.04 0.22
Current ratio 0.64 0.82 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AMAL CASH Banks Regional median
Dividend yield 1.38% 0.27% 2.57%
Payout ratio 0.17 0.03 0.30

Size

Metric AMAL CASH Banks Regional median
Market cap 1.41b 1.50b 913.33m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack