Pathward Financial, Inc. (CASH) vs Esquire Financial Holdings, Inc. (ESQ)
Pathward Financial, Inc. and Esquire Financial Holdings, Inc. are both Banks Regional companies. Pathward Financial, Inc. and Esquire Financial Holdings, Inc. are of similar size ($1.5B and $1.5B). Pathward Financial, Inc. trades at the lower P/E: 9.2× against 19.0×. Esquire Financial Holdings, Inc. grew revenue faster over the last twelve months: 20.0% against −1.26%. Esquire Financial Holdings, Inc. has the higher net margin (29.3% vs 21.0%) and the higher return on invested capital (61.2% vs 18.2%). Both pay a dividend; Esquire Financial Holdings, Inc. yields more (1.15% vs 0.40%). Across the 20 metrics below, Pathward Financial, Inc. leads on 12 and Esquire Financial Holdings, Inc. on 8.
Valuation
Profitability
| Metric | CASH | ESQ | Banks Regional median |
|---|---|---|---|
| Gross margin | 98.77% | 88.70% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 21.00% | 29.30% | 18.66% |
| Free cash flow margin | 80.46% | 35.75% | 21.18% |
| Return on equity | 21.03% | 18.26% | 10.64% |
| Return on assets | 2.41% | 2.31% | 1.13% |
| Return on invested capital | 18.19% | 61.15% | 8.33% |
Growth
Health
Dividend
Size
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