Pathward Financial CASH
- Market cap
- $1.6B
- PE
- 9.7×
- 10y median 11.5×
- Forward PE
- n/m
- not a meaningful number
- Revenue, 12 months
- $825.8M
- −1% on a year ago
- Net margin
- 21.3%
Pathward Financial trades at 9.7× trailing earnings, cheaper than 70% of the last ten years. Revenue was $825.8M over the last twelve months, down 1% on a year earlier with a 21% net margin.
Charts
Financials
| Income statement | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $170.2M+33% | $171.7M+11% | $257.6M+11% | $188.6M+11% | $179.5M+6% | $182.6M+6% | $274.8M+7% | $195.8M+4% | $186.7M+4% | $173.1M−5% | $276.3M+1% | $189.6M−3% | |
| SG&A | n/a | n/a | n/a | n/a | n/a | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Interest expense | $4.7M+919% | $5.9M+484% | $8.5M+158% | $3.1M+64% | $3.8M−19% | $3.1M−47% | $5.7M−32% | $1.3M−59% | $1.5M−61% | $1.9M−39% | $5.8M+1% | $1.1M−12% |
| Pre-tax income | $21M+4% | $42.9M+24% | $87.1M+39% | $51.2M+39% | $37.5M+79% | $36.2M−16% | $91.4M+5% | $47.2M−8% | $48.4M+29% | $42.7M+18% | $87.2M−5% | $32.2M−32% |
| −$4.8M+160% | $7.7M+25% | $16.9M+115% | $6.1M+1519% | $3.4M | $6M−22% | $16.2M−5% | $4.8M−21% | $9.3M+175% | $7.2M+20% | $14.2M−12% | $3.1M−36% | |
| Net income | $25.3M+19% | $34.9M+26% | $69.9M+29% | $44.9M+24% | $33.5M+33% | $30M−14% | $75M+7% | $42.1M−6% | $38.8M+16% | $35.2M+17% | $72.9M−3% | $29M−31% |
| $0.96+32% | $1.34+37% | $2.74+40% | $1.78+33% | $1.34+40% | $1.23−8% | $3.14+15% | $1.81+2% | $1.69+26% | $1.57+28% | $3.35+7% | $1.37−24% | |
| 26M−9% | 25.8M−8% | 25.3M−7% | 25M−6% | 24.7M−5% | 24.3M−6% | 23.8M−6% | 23.1M−7% | 22.9M−8% | 22.4M−8% | 21.7M−9% | 21.2M−9% |
EPS, diluted: Q4 FY11: quarter's net income to common over its shares, to the cent, the shares from counts implied by EPS, near the year's EPS less the nine months'. Q4 FY12: quarter's net income to common over its shares, to the cent.
Diluted shares: Q2 FY11: not printed by the filing, worked out from its own lines. Q4 FY11: the earlier year to date counted no dilution: the quarter's basic count plus the later year to date's dilution. 12 periods, Q4 FY12 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Banks - Diversified nearest Pathward Financial's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| CASHPathward Financial | $1.6B | 9.7× | 11.5× | n/m | −1% | 21.3% | |
| OCFCOceanfirst Financial | $1.6B | 19.7× | 13.1× | n/m | +13% | 10.8% | |
| BFCBank First | $1.6B | 19.2× | 15.1× | n/m | +32% | 37.2% | |
| NBHCNational Bank | $1.7B | 16.3× | 14.1× | n/m | +12% | 21.2% | |
| HOPEHope Bancorp | $1.8B | 14.1× | 11.7× | n/m | +29% | 22.2% | |
| BHRBBurke & Herbert Financial Services | $1.4B | 11.3× | 11.5× | n/m | +8% | 26.7% | |
| WABCWestamerica Bancorporation | $1.4B | 13.5× | 18.1× | n/m | −8% | 44.0% | |
| FSUNFirstsun Capital Bancorp | $1.9B | 20.2× | 11.7× | n/m | +28% | 9.1% | |
| DCOMDime Commercial Bancshares | $1.9B | 15.6× | 15.4× | n/m | +37% | 26.3% | |
| CHCOCity | $2B | 15.6× | 15.0× | n/m | +7% | 40.9% | |
| TBBKBancorp | $2.1B | 9.6× | 12.7× | n/m | +7% | 34.5% | |
| Peer median | $1.8B | 15.6× | 13.6× | n/a | +13% | 26.5% |
More on Pathward Financial
Each number over time
Where it ranks
- #7of 65Diversified banks with the lowest PE ratio
- #9of 51Diversified banks cheapest against their own PE history
Its groups
About
- Industry
- Banks - Diversified
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .