Pricing Log in Create free account

Pathward Financial, Inc. (CASH) vs OceanFirst Financial Corp. (OCFC)

Pathward Financial, Inc. and OceanFirst Financial Corp. are both Banks Regional companies. Pathward Financial, Inc. and OceanFirst Financial Corp. are of similar size ($1.6B and $1.5B). Pathward Financial, Inc. trades at the lower P/E: 9.1× against 18.6×. OceanFirst Financial Corp. grew revenue faster over the last twelve months: 10.5% against −1.26%. Pathward Financial, Inc. has the higher net margin (21.0% vs 6.38%) and the higher return on invested capital (18.2% vs 1.77%). Both pay a dividend; OceanFirst Financial Corp. yields more (5.05% vs 0.27%). Across the 19 metrics below, Pathward Financial, Inc. leads on 14 and OceanFirst Financial Corp. on 5.

Valuation

Metric CASH OCFC Banks Regional median
P/E 9.10 18.62 11.98
P/S 1.84 1.48 2.34
P/B 1.81 0.46 1.19
Price to free cash flow 2.28 9.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.98% 5.37% 8.23%
Free cash flow yield 43.78% 10.23% 9.08%

Profitability

Metric CASH OCFC Banks Regional median
Gross margin 98.77% 58.89% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.00% 6.38% 18.66%
Free cash flow margin 80.46% 15.15% 21.11%
Return on equity 21.03% 2.36% 10.65%
Return on assets 2.41% 0.26% 1.13%
Return on invested capital 18.19% 1.77% 8.35%

Growth

Metric CASH OCFC Banks Regional median
Revenue growth (TTM) (1.26%) 10.49% 6.98%
EPS growth (last fiscal year) 18.88% (29.09%) 18.88%
Revenue growth, 5-year CAGR 9.84% 8.66% 12.38%
Net income growth, 5-year CAGR 12.60% 1.86% 9.71%

Health

Metric CASH OCFC Banks Regional median
Debt to equity 0.04 0.97 0.22
Current ratio 0.82 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH OCFC Banks Regional median
Dividend yield 0.27% 5.05% 2.57%
Payout ratio 0.03 0.94 0.30

Size

Metric CASH OCFC Banks Regional median
Market cap 1.50b 1.57b 913.33m

Compare with another peer

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