Pathward Financial vs Community Financial System
Pathward Financial and Community Financial System are similar in size: $840m and $818m of revenue in their latest fiscal years. Community Financial System grew faster (9.6% against 5.3%). Community Financial System kept more of each dollar of sales as profit: a net margin of 25.7% against 22.1%.
| Latest fiscal year | Pathward FinancialCASH, 2025 | Community Financial SystemCBU, 2025 |
|---|---|---|
| Revenue | $840m | $818m |
| Revenue growth | 5.3% | 9.6% |
| Net income | $186m | $210m |
| Operating margin | — | — |
| Net margin | 22.1% | 25.7% |
| Return on equity | 22.1% | 11.2% |
| Free cash flow | $439m | $233m |
| Cash | $121m | $302m |
| Total debt | $42.5m | $690m |
| Debt to equity | — | — |
| Dividend per share | $0.20 | $1.86 |
| Dividend yield | 0.3% | 2.9% |
| Share buybacks | — | $11.2m |
| Employees | — | 3,001 |
| Market value | $1.64bn | $3.39bn |
| Price vs our value range | — | — |
| Moat score | 89 (Strong) | 79 (Strong) |
| Insider trades, 12 months | 0 buys, 5 sales | 0 buys, 0 sales |