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Pathward Financial, Inc.

Financial Services · Banks - Regional · NMS

$79.89

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.8B

Total market value of the company

Trailing P/E

9.87

Very cheap relative to earnings

Forward P/E

8.59

Based on estimated future earnings — lower means cheaper

Rev Growth

-3.7%

Year-over-year revenue change

Profit Margin

24.3%

How much profit the company keeps from each dollar of revenue

ROE

22.8%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$107.50

+35% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 2 analysts covering this stock

About Pathward Financial, Inc.

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.

https://www.pathwardfinancial.com

Country: United States Employees: 1,181 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKDOWN

Price trending down — defensive positioning

Sharpe Ratio

0.929

Good returns relative to risk taken

Kelly Fraction

0.0747

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.217

Returns exceed worst-case losses — strong risk profile

Annual Return

26.1%

Historical annualised return based on price data

Max Drawdown

-21.5%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.64

Less volatile than the market — more defensive

52W High

$101.26

21% below the year high

52W Low

$65.87

21% above the year low

Avg Volume

218,859

Average daily shares traded — higher means easier to buy and sell

Short Ratio

10.5

Days it would take all short sellers to cover — higher means more crowded

Short % Float

12.7%

Elevated short interest — bears are positioned against this

Div Yield

24.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$8.41

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

38.2%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$777M

Total revenue over the last 12 months

Net Income

$189M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$108.00

Target Median

$107.50

Target Low

$107.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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