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Pathward Financial, Inc. (CASH) vs QCR Holdings, Inc. (QCRH)

Pathward Financial, Inc. and QCR Holdings, Inc. are both Banks Regional companies. Pathward Financial, Inc. and QCR Holdings, Inc. are of similar size ($1.7B and $1.6B). Pathward Financial, Inc. trades at the lower P/E: 9.4× against 11.9×. QCR Holdings, Inc. grew revenue faster over the last twelve months: 6.98% against −2.27%. QCR Holdings, Inc. has the higher net margin (22.9% vs 21.1%) and the lower return on invested capital (6.62% vs 18.6%). Both pay a dividend; QCR Holdings, Inc. yields more (0.41% vs 0.26%). Across the 19 metrics below, QCR Holdings, Inc. leads on 11 and Pathward Financial, Inc. on 8.

Valuation

Metric CASH QCRH Banks Regional median
P/E 9.38 11.88 12.02
P/S 1.91 2.68 2.36
P/B 1.94 1.45 1.23
Price to free cash flow 2.37 2.10 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.67% 8.41% 8.21%
Free cash flow yield 42.27% 47.70% 9.23%

Profitability

Metric CASH QCRH Banks Regional median
Gross margin 98.80% 63.77% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.09% 22.86% 18.82%
Free cash flow margin 0.00% 127.89% 17.97%
Return on equity 20.92% 12.91% 10.28%
Return on assets 2.43% 1.51% 1.13%
Return on invested capital 18.63% 6.62% 8.45%

Growth

Metric CASH QCRH Banks Regional median
Revenue growth (TTM) (2.27%) 6.98% 6.37%
EPS growth (last fiscal year) 3.43% 11.62% 18.85%
Revenue growth, 5-year CAGR 8.37% 14.10% 12.65%
Net income growth, 5-year CAGR 4.77% 15.99% 9.81%

Health

Metric CASH QCRH Banks Regional median
Debt to equity 0.04 0.57 0.17
Current ratio 0.83 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH QCRH Banks Regional median
Dividend yield 0.26% 0.41% 2.49%
Payout ratio 0.02 0.05 0.29

Size

Metric CASH QCRH Banks Regional median
Market cap 1.59b 1.65b 934.85m

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