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Pathward Financial, Inc. (CASH) vs Republic Bancorp, Inc. (RBCAA)

Pathward Financial, Inc. and Republic Bancorp, Inc. are both Banks Regional companies. Pathward Financial, Inc. and Republic Bancorp, Inc. are of similar size ($1.6B and $1.6B). Pathward Financial, Inc. trades at the lower P/E: 9.5× against 14.1×. Pathward Financial, Inc. grew revenue faster over the last twelve months: −2.27% against −2.72%. Republic Bancorp, Inc. has the higher net margin (25.4% vs 21.1%) and the lower return on invested capital (10.6% vs 18.6%). Both pay a dividend; Republic Bancorp, Inc. yields more (2.10% vs 0.26%). Across the 19 metrics below, Pathward Financial, Inc. leads on 11 and Republic Bancorp, Inc. on 8.

Valuation

Metric CASH RBCAA Banks Regional median
P/E 9.48 14.06 12.46
P/S 1.93 3.64 2.41
P/B 1.96 1.59 1.26
Price to free cash flow 2.39 13.47 11.00
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.55% 7.11% 7.96%
Free cash flow yield 41.81% 7.42% 8.80%

Profitability

Metric CASH RBCAA Banks Regional median
Gross margin 98.80% 81.19% 69.75%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.09% 25.38% 18.88%
Free cash flow margin 0.00% 27.05% 17.28%
Return on equity 20.92% 11.55% 10.43%
Return on assets 2.43% 1.82% 1.14%
Return on invested capital 18.63% 10.63% 8.47%

Growth

Metric CASH RBCAA Banks Regional median
Revenue growth (TTM) (2.27%) (2.72%) 6.94%
EPS growth (last fiscal year) 3.43% 28.98% 18.88%
Revenue growth, 5-year CAGR 8.37% 8.97% 12.56%
Net income growth, 5-year CAGR 4.77% 9.54% 9.78%

Health

Metric CASH RBCAA Banks Regional median
Debt to equity 0.04 0.14 0.20
Current ratio 0.83 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH RBCAA Banks Regional median
Dividend yield 0.26% 2.10% 2.64%
Payout ratio 0.02 0.30 0.32

Size

Metric CASH RBCAA Banks Regional median
Market cap 1.56b 1.58b 910.32m

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