Pathward Financial, Inc. (CASH) vs Triumph Financial, Inc. (TFIN)

Pathward Financial, Inc. and Triumph Financial, Inc. are both Banks Regional companies. Pathward Financial, Inc. and Triumph Financial, Inc. are of similar size ($1.5B and $1.5B). Pathward Financial, Inc. trades at the lower P/E: 9.2× against 41.5×. Triumph Financial, Inc. grew revenue faster over the last twelve months: 8.97% against −1.26%. Pathward Financial, Inc. has the higher net margin (21.0% vs 6.57%) and the lower return on invested capital (18.2% vs 27.9%). Both pay a dividend; Pathward Financial, Inc. yields more (0.40% vs 0.02%). Across the 20 metrics below, Pathward Financial, Inc. leads on 14 and Triumph Financial, Inc. on 6.

Valuation

Metric CASH TFIN Banks Regional median
P/E 9.21 41.52 12.15
P/S 1.86 2.72 2.37
P/B 1.83 1.60 1.21
Price to free cash flow 2.31 9.47 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.72 1.14 2.27
Earnings yield 10.85% 2.41% 8.11%
Free cash flow yield 43.27% 10.56% 8.98%

Profitability

Metric CASH TFIN Banks Regional median
Gross margin 98.77% 84.45% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 21.00% 6.57% 18.66%
Free cash flow margin 80.46% 28.72% 21.18%
Return on equity 21.03% 3.97% 10.64%
Return on assets 2.41% 0.51% 1.13%
Return on invested capital 18.19% 27.91% 8.33%

Growth

Metric CASH TFIN Banks Regional median
Revenue growth (TTM) (1.26%) 8.97% 6.61%
EPS growth (last fiscal year) 18.88% 72.22% —
Revenue growth, 5-year CAGR 9.84% 6.29% 12.30%
Net income growth, 5-year CAGR 12.60% (18.69%) 9.71%

Health

Metric CASH TFIN Banks Regional median
Debt to equity 0.04 0.05 0.22
Current ratio 0.82 1.01 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CASH TFIN Banks Regional median
Dividend yield 0.40% 0.02% 3.75%
Payout ratio 0.03 0.00 0.27

Size

Metric CASH TFIN Banks Regional median
Market cap 1.53b 1.45b 921.07m

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