PATHWARD FINANCIAL INC (CASH)
Financials · consumer and community banking with specialty finance · NASDAQ
Community-focused bank with specialization in refund advance products and affordable financial services for underserved consumers.
What PATHWARD FINANCIAL INC does
Pathward Financial is a bank holding company that operates as a financial services provider offering community and specialized banking products. The company provides deposit products, loans and leases, refund advance and tax services, card processing, and rental equipment financing through its banking subsidiary. It serves consumers and small businesses through branches and digital channels, generating significant revenue from deposit-taking, lending, card fees, and refund transfer products.
Themes: banking, digital payments, tax-related financial services, commercial lending, consumer finance
Fundamentals
- Price$83.68 as of 2026-08-21 close
- Market cap$1.7B as of 2026-08-21
- 1-year return+11.3% 2025-08-21 close $75.16 → 2026-08-21 close $83.68
- P/E9.51 as of 2026-08-24
- Net margin+23.5% as of 2026-08-24
- ROE+22.4% as of 2026-08-24
- Debt / equity0.07 as of 2026-08-24
- Revenue growth (YoY)+27.7% as of 2026-08-24
- Revenue CAGR (3y)+11.8% SEC XBRL
- Beta0.67 as of 2026-08-24
- Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +0.4%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CASH compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitytop 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldbottom 10% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)top 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CASH's dividend was covered by reported results (earnings payout 3%, free-cash-flow payout 1%). This describes past coverage, not a forecast.
- Earnings payout3% dividends / net income
- Free-cash-flow payout1% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How PATHWARD FINANCIAL INC looks technically
PATHWARD FINANCIAL INC (CASH) is trading 0.1% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 135 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day low, its first since 2026-07-23, breaking below its recent trading range. It is 17.4% below its highest point of the past year. Trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest.
Trend
8
| Distance from the 200-day | it is trading 0.1% below its 200-day average, the long-term trend line — a long-term downtrend | -0.1% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $87.05 | $87.05 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $83.76 | $83.76 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 18 calendar days ago — the swings before that are what the structure reading is measured on | 18 sessions |
| Wave structure | its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes above 91.7. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible downward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 135 trading days ago — a "golden cross", a bullish long-term signal | 135 sessions |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 19, below the 25 that marks a real trend), though sellers have been pushing harder than buyers lately — pressure, not a trend | 19.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 38, neither overbought (above 70) nor oversold (below 30) | 38.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($82.00 to $91.35) — its "stochastic" reading is 18 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 18.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $101.26 | $101.26 |
|---|---|---|
| From the 52-week high | it is 17.4% below its 52-week high (its highest price of the past year) | -17.4% |
| Above the 52-week low | it is 26.9% above its 52-week low (its lowest price of the past year) | +26.9% |
| Below the 52-week high | it is 17.4% below its highest point of the past year | 17.4% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-07-23, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 53 trading days ago | 53 sessions |
| All-time high | its highest closing price on record is $101.26 (set on 2026-04-17) | $101.26 |
| Given back of the 52-week move | over the past year its closes ranged ($66.47 to $99.93), and it has given back around half of its rise from last year’s low — 49% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $78.18 to $79.25. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 48.6% |
| From the all-time high | it is 17.4% below its all-time high | -17.4% |
| Nearest price level | it is trading 1.2% below a resistance level at $84.71 — a price it turned at 7 times since 2024-11-13, most recently on 2026-06-12. Since 2024-08-21 it has 8 such levels below the current price and 4 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.2% |
| All-time low | its lowest closing price on record is $1.91 (set on 2009-03-06) | $1.91 |
| Above the all-time low | it is 4288.8% above its all-time low | +4,289% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 38th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.01 between its high and its low — about 2.4% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.01 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $82.98 and $90.96 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $82.98 – $86.97 – $90.96 |
| Typical daily range (% of price) | its price moves about 2.4% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.4% |
| Stretch from the 200-day average | it is sitting essentially on its 200-day average price (0.1% below it in plain percentage terms) | at its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is running unusually high — about 2.1× its 30-day average, a sign of heightened interest | 2.13× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a bearish engulfing | today it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Gap filled | a 12.8% gap down opened on 2026-07-23 has been "filled" 18 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 18 sessions ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 7.9 percentage points (the stock lost 5.6% while the market gained 2.3%) | -7.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 1.9 percentage points (the stock gained 1.2% while the market gained 3.1%) | -1.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 23.6 percentage points (the stock lost 12.6% while the market gained 11.1%) | -23.6% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 9.1 percentage points (the stock gained 11.3% while the market gained 20.5%) | -9.2% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 2.4% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.3% of the share price. | -2.4% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 4% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $87.26 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | -4.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $86.11 — a volume-weighted average of daily closes over 23 sessions, not a true tick-by-tick VWAP. | -2.8% |
Price levels it has turned at before
CASH last closed at $83.68 on 2026-08-21. Since 2024-08-21 it has turned at 8 prices below its last close and 4 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $84.71 | Resistance | 1.2% above the last close | turned there 7 times · 2024-11-13 to 2026-06-12 |
| $81.31 | Support | 2.8% below the last close | turned there six times · 2025-01-27 to 2026-02-05 |
| $86.62 | Resistance | 3.5% above the last close | turned there five times · 2024-11-25 to 2026-03-30 |
| $77.88 | Support | 6.9% below the last close | turned there four times · 2024-11-20 to 2026-06-03 |
| $76.17 | Support | 9.0% below the last close | turned there 9 times · 2024-10-18 to 2026-07-23 |
| $93.64 | Resistance | 11.9% above the last close | turned there twice · 2026-03-24 to 2026-07-16 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part downward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes above $91.70.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $64.28 and $74.75 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close above $91.70.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Unusually heavy trading volume · Broke down to a new 20-day low · trendless / choppy (low ADX) · lagging the market · Printed a bearish engulfing pair | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low · volume and relative volume
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Mean price target$101.00 range $97.00 – $105.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for CASH
- Consensus EPS estimate$1.59 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit loss and loan portfolio risk: Provision for credit losses increased to $48.8M for six months ended March 2026 vs. $53.9M prior year, with allowance for credit losses totaling $98.3M; deteriorating credit quality could materially impact earnings.","Interest rate and deposit margin compression: Net interest income declined 6.5% YoY to $244.5M for six months ended March 2026; further interest rate changes could erode margins and profitability.","Regulatory and compliance risk: As a bank holding company subject to federal and state banking regulations, the company faces ongoing examination, capital requirements, and potential regulatory actions that could restrict operations or increase compliance costs."]
What changed in the latest 10-Q
AI-assisted comparison of CASH's 10-Q filed 2026-05-07 against the prior one filed 2026-02-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Added phrase 'including impacts of technology investments' to the list of forward-looking statement subjects in newer filing (2026-05-07)
- Added new risk factor 'emerging external focus among regulators and other officials related to risks in connection with the development and use of artificial intelligence' in newer filing (2026-05-07)
- Added specific geopolitical conflicts reference 'such as the military conflicts in Ukraine and the Middle East' in newer filing (2026-05-07)
- Removed:
- Removed phrase 'and cyber threats, attacks, or events' that appeared after 'technological risks and developments' in older filing (2026-02-05) — now preceded by different text structure in newer filing (2026-05-07)
- Reworded:
- Changed 'geopolitical conflicts and tensions' in older filing (2026-02-05) to 'geopolitical conflicts such as the military conflicts in Ukraine and the Middle East' in newer filing (2026-05-07)
- Reordered text: moved 'emerging external focus among regulators and other officials related to risks in connection with the development and use of artificial intelligence' to appear before the final clause about unusual events in newer filing (2026-05-07), whereas older filing (2026-02-05) proceeded directly to assets management language
- Changed reference date from 'December 31, 2025, compared to September 30, 2025' in older filing (2026-02-05) to 'March 31, 2026' in newer filing (2026-05-07) in the final GENERAL section paragraph (partially visible)
- Notes:
- Newer filing text is truncated at 'March 31, 2026, comp' making full comparison of the final paragraph incomplete
- Page number changed from 37 in older filing to 39 in newer filing, consistent with document length changes
Risk Factors
- Added:
- Newer filing (2026-05-07) reports financial data for six-month period ended March 31, 2026, whereas older filing (2026-02-05) reports data for three-month period ended December 31, 2025
- Newer filing includes Condensed Consolidated Statements of Operations for six months ended March 31 comparing 2026 and 2025
- Newer filing includes Condensed Consolidated Statements of Comprehensive Income for six months ended March 31 comparing 2026 and 2025
- Newer filing includes six-month period data in Condensed Consolidated Statements of Changes in Stockholders' Equity
- Removed:
- Older filing's three-month period ended December 31, 2025 financial statements are not present in newer filing
- Older filing's Condensed Consolidated Statements of Cash Flows for three months ended December 31 is not included in newer filing excerpt
- Reworded:
- Balance sheet date changed from December 31, 2025 (older) to March 31, 2026 (newer), with September 30, 2025 as prior comparison period in both
- Risk Factors page number changed from 52 (older) to 55 (newer)
- Exhibit page number changed from 53 (older) to 56 (newer)
- Signature page number changed from 54 (older) to 57 (newer)
- Notes:
- The older filing text is truncated at the cash flows statement and does not provide complete information for full comparison
- These are different reporting periods (Q1 2026 vs Q4 2025) so financial metrics are not directly comparable across filings
- The newer filing excerpt also appears truncated in the stockholders' equity statement
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 90 days0 buys · 1 sell ($370305) — 1 selling insider
- Last 180 days0 buys · 2 sells ($802150) — 2 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-05-29. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CASH's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CASH as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 6,535,014
- Reported value $583,185,170
reported quarterly holdings change (2025-12-31 → 2026-03-31): 1 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CASH had 2,195,993 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CASH had 10.6% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 8.85 days to cover at the same settlement.
- Reported short interest (shares) 2,195,993
- Short interest (% of shares outstanding) 10.6%
- Prior settlement (shares) 2,217,033
- Reported change -0.95%
- Days to cover (reported) 8.85
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Banc of Kornerstone (BANC)
- Meta Financial Group (historic predecessor)
- Green Dot Corporation (GDOT)
- The Bancorp (TBBK)
- Axos Financial (AX)
- Western Alliance Bancorporation (WAL)
- Synovus Financial (SNV)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does PATHWARD FINANCIAL INC (CASH) do?
Pathward Financial is a bank holding company that operates as a financial services provider offering community and specialized banking products. The company provides deposit products, loans and leases, refund advance and tax services, card processing, and rental equipment financing through its banking subsidiary. It serves consumers and small businesses through branches and digital channels, generating significant revenue from deposit-taking, lending, card fees, and refund transfer products.
What sector is PATHWARD FINANCIAL INC (CASH) in?
PATHWARD FINANCIAL INC (CASH) is classified in the Financials sector. Its industry is consumer and community banking with specialty finance. It trades on NASDAQ.
Does CASH pay a dividend?
Yes — PATHWARD FINANCIAL INC (CASH) pays a dividend, with an indicated yield of about 0.40% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are PATHWARD FINANCIAL INC's (CASH) competitors?
Notable peers of PATHWARD FINANCIAL INC (CASH) include Banc of Kornerstone, Meta Financial Group (historic predecessor), Green Dot Corporation, The Bancorp and Axos Financial. This peer set is informational only — not financial advice.
Is PATHWARD FINANCIAL INC (CASH) overbought or oversold right now?
PATHWARD FINANCIAL INC (CASH) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 38, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CASH come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.