PATHWARD FINANCIAL INC (CASH)

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.

Fundamentals

• Price$89.72 as of 2026-07-09 close
• Market cap$1.9B as of 2026-07-10
• 1-year return+7.1% as of 2026-07-09 close
• P/E10.09 as of 2026-07-10
• Net margin+23.5% as of 2026-07-10
• ROE+22.4% as of 2026-07-10
• Debt / equity0.07 as of 2026-07-10
• Revenue growth (YoY)+27.7% as of 2026-07-10
• Revenue CAGR (3y)+11.8% SEC XBRL
• Beta0.63 as of 2026-07-10

Dividend: yield +0.2%; 4-year non-decreasing per-share dividend streak (SEC XBRL).

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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."]

See CASH's biggest risks from its latest 10-Q →