Inside the research
Pathward Financial, Inc.
CASH Research profile · latest available data
Price overview
$73.80
▲ +0.30 (+0.4%)
| 52w hi | $99.81 |
|---|---|
| 52w lo | $66.30 |
| Vol | 173.30K |
| As of | 25 Sep 2026 |
The Verdict
Our score -0.38
| Short | -0.44 |
|---|---|
| Medium | -0.41 |
| Long | -0.22 |
computed 2026-09-27
Key fundamentals
Pathward Financial, Inc.
Financial Services · Banks - Regional
| Market cap | $1.53B |
|---|---|
| Enterprise value | $1.61B |
| Trailing P/E | 9.24x |
| Forward P/E | 7.69x |
| P / S (ttm) | 2.04x |
| Profit margin | 23.4% |
| Return on equity | 21.2% |
| Revenue growth | -13.5% |
| Earnings growth | -24.7% |
Layer Breakdown
| Layer | Raw | Contribution |
|---|---|---|
| Fundamental | +0.18 | |
| Sector | +0.02 | |
| Technical | -0.36 | |
| Earnings | +0.00 | |
| Sentiment | +0.00 |
macro × 1.00 · 2026-09-27
Business overview
Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, and money market savings accounts. It also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, the company offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well as issues debit and prepaid cards. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.
Risk Metrics
| Beta vs SPX | 0.83 |
|---|---|
| Corr SPX | 0.45 |
| Annual vol | 29.7% |
| Annual ret | +9.0% |
| Sharpe | 0.30 |
| Max DD | -26.7% |
Window: 504 trading days (504 obs)
Material Events
| Date | Event | 8-K |
|---|---|---|
| 2026-07-22 | Earnings Release, Reg FD Disclosure… | read |
| 2026-05-21 | Other Material Event, Exhibits | read |
| 2026-04-22 | Earnings Release, Reg FD Disclosure… | read |
| 2026-02-26 | Other Material Event, Exhibits | read |
| 2026-02-25 | Shareholder Vote | read |
| 2026-01-22 | Earnings Release, Reg FD Disclosure… | read |
| 2025-12-30 | Auditor Change, Exhibits | read |
| 2025-11-20 | Other Material Event, Exhibits | read |
| 2025-10-21 | Earnings Release, Reg FD Disclosure… | read |
| 2025-09-02 | Listing Notice, Reg FD Disclosure… | read |
| 2025-08-21 | Other Material Event, Exhibits | read |
| 2025-07-28 | Earnings Release, Reg FD Disclosure… | read |
Insider Trades
| Date | Insider | Role | Action | Shares | Value |
|---|---|---|---|---|---|
| 2026-06-07 | Ferri Eric Anthony | EVP, Chief Risk Officer | Grant | 8.64K | — |
| 2026-04-29 | Hajek Douglas J. | Sell | 5.00K | $431.84K | |
| 2026-02-24 | Hajek Douglas J. | Grant | 1.65K | — | |
| 2026-02-24 | MCCRAY RONALD D | Grant | 1.65K | — | |
| 2026-02-24 | Perretta Christopher | Grant | 1.65K | — | |
| 2026-02-24 | Stork Kendall E | Grant | 1.65K | — | |
| 2026-02-24 | Hoople Elizabeth G. | Grant | 1.65K | — | |
| 2026-02-24 | Zlatkus Lizabeth H | Grant | 1.65K | — | |
| 2026-02-24 | SHULMAN BECKY S | Grant | 1.65K | — |
Flow & Concentration
| Insider 180d net | -$431.84K |
|---|---|
| Insider buys / sells | 0 / 1 |
| Insider bias | Neutral |
| 13F holders | 8 |
| Top-5 share | 99.4% |
| HHI | 3,967 (concentrated) |
Top Holders
| Holder | Value | Shares |
|---|---|---|
| Fidelity / FMR LLC | $157.04M | 1.80M |
| State Street Corp | $125.34M | 1.44M |
| Millennium Management | $14.50M | 166.53K |
| Capital Research / Capital World | $13.49M | 154.95K |
| Citadel Advisors | $8.56M | 98.35K |
| AQR Capital Management | $1.04M | 11.90K |
| Renaissance Technologies | $870.60K | 10.00K |
| T. Rowe Price Group | $2.51K | 28.81K |
As of 2026-06-30
SEC Filings
The Long Run
FY 2011–2025 · 15 years
| Line | Latest | CAGR | Trend |
|---|---|---|---|
| Revenue | $797.41M | +8.6% | |
| Net income | $34.90M | +16.8% | |
| Cash from ops | $327.91M | +22.7% |
Indices
Recent Sessions
| Date | Open | High | Low | Close | Vol |
|---|---|---|---|---|---|
| Sep 25 | $73.98 | $74.76 | $73.52 | $73.80 | 173.30K |
| Sep 24 | $73.77 | $73.90 | $72.95 | $73.50 | 175.80K |
| Sep 23 | $74.44 | $74.70 | $73.21 | $73.27 | 163.10K |
| Sep 22 | $76.66 | $76.66 | $74.39 | $74.56 | 262.20K |
| Sep 21 | $76.47 | $76.99 | $75.82 | $75.90 | 241.30K |
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