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Pathward Financial, Inc. (CASH) vs Lakeland Financial Corporation (LKFN)

Pathward Financial, Inc. and Lakeland Financial Corporation are both Banks Regional companies. Pathward Financial, Inc. and Lakeland Financial Corporation are of similar size ($1.5B and $1.4B). Pathward Financial, Inc. trades at the lower P/E: 9.1× against 13.3×. Lakeland Financial Corporation grew revenue faster over the last twelve months: 1.83% against −1.26%. Lakeland Financial Corporation has the higher net margin (26.0% vs 21.0%) and the lower return on invested capital (14.6% vs 18.2%). Both pay a dividend; Lakeland Financial Corporation yields more (3.55% vs 0.27%). Across the 19 metrics below, Pathward Financial, Inc. leads on 13 and Lakeland Financial Corporation on 6.

Valuation

Metric CASH LKFN Banks Regional median
P/E 9.10 13.27 11.98
P/S 1.84 3.40 2.34
P/B 1.81 1.88 1.19
Price to free cash flow 2.28 13.02 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.98% 7.53% 8.23%
Free cash flow yield 43.78% 7.68% 9.08%

Profitability

Metric CASH LKFN Banks Regional median
Gross margin 98.77% 65.42% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.00% 26.04% 18.66%
Free cash flow margin 80.46% 26.15% 21.11%
Return on equity 21.03% 15.00% 10.65%
Return on assets 2.41% 1.57% 1.13%
Return on invested capital 18.19% 14.61% 8.35%

Growth

Metric CASH LKFN Banks Regional median
Revenue growth (TTM) (1.26%) 1.83% 6.98%
EPS growth (last fiscal year) 18.88% 10.47% 18.88%
Revenue growth, 5-year CAGR 9.84% 11.94% 12.38%
Net income growth, 5-year CAGR 12.60% 4.15% 9.71%

Health

Metric CASH LKFN Banks Regional median
Debt to equity 0.04 0.00 0.22
Current ratio 0.82 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH LKFN Banks Regional median
Dividend yield 0.27% 3.55% 2.57%
Payout ratio 0.03 0.47 0.30

Size

Metric CASH LKFN Banks Regional median
Market cap 1.50b 1.44b 913.33m

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