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Pathward Financial, Inc. (CASH) vs Origin Bancorp, Inc. (OBK)

Pathward Financial, Inc. and Origin Bancorp, Inc. are both Banks Regional companies. Pathward Financial, Inc. and Origin Bancorp, Inc. are of similar size ($1.6B and $1.6B). Pathward Financial, Inc. trades at the lower P/E: 9.5× against 16.8×. Origin Bancorp, Inc. grew revenue faster over the last twelve months: 4.96% against −2.27%. Pathward Financial, Inc. has the higher net margin (21.1% vs 16.3%) and the higher return on invested capital (18.6% vs 8.93%). Both pay a dividend; Origin Bancorp, Inc. yields more (1.48% vs 0.26%). Across the 19 metrics below, Pathward Financial, Inc. leads on 12 and Origin Bancorp, Inc. on 7.

Valuation

Metric CASH OBK Banks Regional median
P/E 9.48 16.82 12.46
P/S 1.93 2.73 2.41
P/B 1.96 1.30 1.26
Price to free cash flow 2.39 9.53 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.55% 5.95% 7.96%
Free cash flow yield 41.81% 10.50% 8.80%

Profitability

Metric CASH OBK Banks Regional median
Gross margin 98.80% 69.33% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.09% 16.26% 18.88%
Free cash flow margin 0.00% 28.62% 17.28%
Return on equity 20.92% 8.02% 10.43%
Return on assets 2.43% 1.00% 1.14%
Return on invested capital 18.63% 8.93% 8.47%

Growth

Metric CASH OBK Banks Regional median
Revenue growth (TTM) (2.27%) 4.96% 6.94%
EPS growth (last fiscal year) 3.43% (2.04%) 18.88%
Revenue growth, 5-year CAGR 8.37% 15.30% 12.56%
Net income growth, 5-year CAGR 4.77% 15.64% 9.78%

Health

Metric CASH OBK Banks Regional median
Debt to equity 0.04 0.12 0.20
Current ratio 0.83 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH OBK Banks Regional median
Dividend yield 0.26% 1.48% 2.64%
Payout ratio 0.02 0.25 0.32

Size

Metric CASH OBK Banks Regional median
Market cap 1.56b 1.62b 910.32m

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