Pathward Financial, Inc.

Pathward Financial, Inc.

CASHยทNASDAQ

$77.74

-3.9%
Financial ServicesBanks - Regional

Pathward Financial, Inc. operates as the 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, money market savings accounts, and certificate 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; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. 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 headquartered in Sioux Falls, South Dakota.

At a Glance

Live Snapshot
Market Cap$1.64B
EPS7.9100
P/E Ratio9.83
Earnings Date07/27/2026
cash

Pathward Financial, Inc. Street Expectations Map

CASH ยท NASDAQ

Wall Street analysts project that CASH stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 82.00, with estimates ranging from a low of 82.00 to a high of 82.00.

Lowest Target
82.00
5.48%
Consensus Target
82.00
5.48%
Highest Target
82.00
5.48%

The consensus 1-year price target stands at 82.00, with estimates ranging from a low of 82.00 to a high of 82.00.

Analyst Consensus Analysis

Upside Potential

+5.5%

Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.

Analyst Agreement

0.0% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

High

Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.

Market Sentiment Insight

Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.

cash

Pathward Financial, Inc. Forward Estimates of Revenue

CASH ยท NASDAQ
Latest Revenue
685.23M
FY 2025
Avg Estimate
848.78M
FY 2026
Estimate Range
844.80M - 852.76M
Analyst Spread

Forward Growth Analysis

Projected Growth+23.9%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

cash

Pathward Financial, Inc. Forward Estimates of Net Income

CASH ยท NASDAQ
Latest Net Income
185.87M
FY 2025
Avg Estimate
198.88M
FY 2026
Estimate Range
197.67M - 200.10M
Analyst Spread

Forward Growth Analysis

Projected Growth+7.0%

Moderate growth expected, typical for mature businesses with stable market positions.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

cash

Pathward Financial, Inc. Forward Estimates of EPS

CASH ยท NASDAQ
Latest EPS
7.91
FY 2025
Avg Estimate
$8.46
FY 2026
Estimate Range
$8.40 - $8.51
Analyst Spread

Forward Growth Analysis

Projected Growth+6.9%

Moderate growth expected, typical for mature businesses with stable market positions.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

cash

Pathward Financial, Inc. Forward Estimates of EBIT

CASH ยท NASDAQ
Latest EBIT
223.05M
FY 2025
Avg Estimate
253.22M
FY 2026
Estimate Range
252.03M - 254.41M
Analyst Spread

Forward Growth Analysis

Projected Growth+13.5%

Solid growth trajectory indicates healthy business performance and competitive positioning.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

cash

Pathward Financial, Inc. Forward Estimates of EBITDA

CASH ยท NASDAQ
Latest EBITDA
282.78M
FY 2025
Avg Estimate
341.86M
FY 2026
Estimate Range
340.25M - 343.46M
Analyst Spread

Forward Growth Analysis

Projected Growth+20.9%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

cash

Pathward Financial, Inc. Forward Estimates of SG&A Expense

CASH ยท NASDAQ
Latest SG&A Expense
200.50M
FY 2025
Avg Estimate
262.77M
FY 2026
Estimate Range
261.54M - 264.00M
Analyst Spread

Forward Growth Analysis

Projected Growth+31.1%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage1 Analysts

Limited coverage may indicate reduced institutional interest or information availability.

Estimate Spread1%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookPositive

Generally favorable outlook with reasonable growth prospects and analyst support.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

cash

Pathward Financial, Inc. Insider Positioning

CASH ยท NASDAQ

During the last 12 months, insiders have sold $4.94M worth of CASH shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

9.5K

802.15K

Net Activity

-802K

-$802K

3-6 Months

Bought

0

0.00

Sold

20.1K

1.88M

Net Activity

-1.9M

-$1.88M

6-9 Months

Bought

0

0.00

Sold

32.0K

2.25M

Net Activity

-2.3M

-$2.25M

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

1
PBL

Pharr Brett L.

Director, Officer: Chief Executive Officer

20.3K sharesโ€ข2 transactions

$1.79M

2
SAM

Sharett Anthony M.

Officer: President

13.2K sharesโ€ข2 transactions

$940K

3
HDJ

Hajek Douglas J.

Director

8.0K sharesโ€ข2 transactions

$636K

4
DN

Dombrowski Nadia

Officer: Chief Legal And Admin Officer

6.1K sharesโ€ข2 transactions

$431K

5
HEG

Hoople Elizabeth G.

Director

4.5K sharesโ€ข1 transactions

$370K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $4.94M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Recent Trend (3 Months)

$802K

Heavy recent selling activity. Recent insider sales notably exceed purchasesโ€”may warrant investigation into company developments.

Insider Participation

High Selling

5 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

Insider Activity Insight

Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.