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Pathward Financial, Inc. (CASH) stock

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NASDAQ: CASH Nasdaq Regional Banks Next results ~January 21, 2027

C Fundamentals grade

Pathward Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in September.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 5 selling0 purchases and 5 sales by directors and officers, last 12 monthsInsider trades
  • Funds139 adding, 118 cuttingOf 46 active managers that changed their stake, 29 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Pathward Financial files

Where Pathward Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $826m, down 0.8% on a year earlier, against growth of 0.8% a quarter earlier. That puts it 180 of 190 for growth among the regional banks companies we cover. The diluted share count is down 8.1% on a year earlier, which lifts each remaining share.

Our model value for Pathward Financial is under review, so past values are not shown until it is resolved.

Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~January 21, 2027 (estimated)

Pathward Financial, Inc.'s trailing-twelve-month revenue fell 0.8% year on year, with a free-cash-flow margin of 82.8%. Where it stands out: change in share count of -8.1% ranks 6 of 230 regional banks companies we cover. Where it lags: revenue growth of -0.8% ranks 229 of 245 regional banks companies we cover.

Current signal Free cash flow diverging from earnings: TTM free cash flow grew 146.5% while net income fell 2.6%: a 149pp divergence.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 82.8% of revenue turned into free cash flow.
  • Shrinking share count. Diluted shares fell 8.1% in a year, so each share owns more of the business.
  • Net cash. Cash exceeds long-term debt by $0.1bn.

Things to watch

  • Revenue shrinking. Revenue fell 0.8% over the last 12 months.
  • Below peers: net margin. Net margin of 21.3% ranks 187 of 245 regional banks companies we cover (median 28.7%).
  • Heavily shorted. 17.8% of the shares available to trade are sold short (12.4 days of average volume to cover).

Latest results: FY2026 Q3

Filed August 6, 2026
Earnings per share
$1.85 against an average estimate of $1.58: beat by 17.1%
Revenue
$190m, down 3.1% on a year earlier
Share reaction
+3.8% in the first session after the results on October 21, 2026, against -0.7% for the S&P 500
Next report
January 21, 2027; average EPS estimate $1.57

Pathward Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+2.8%
  • 1 week-1.2%
  • 1 month+4.7%
  • This year+9.3%
  • 1 year+14.1%
  • 5 years+31.3%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$826M
Net margin
21.3%
EPS (TTM, diluted)
$7.98

Growth

Revenue growth
−0.8%
Change in growth rate
−1.6 pts
Share count change
−8.1%

Earnings

Last results
October 21, 2026
Next results (est.)
January 21, 2027

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Results
  2. Leadership
  3. Announcement
  4. Results

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Pathward Financial, Inc. valuation models and calculator

No model value for Pathward Financial, Inc. at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Pathward Financial, Inc. as a bank or lender, with every model that fits that kind of business. Cost of equity 8.5%: the 10-year Treasury yield (4.9%) plus a beta of 0.79 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. ~$180 ~$130–$280 Primary model, counts double
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. ~$130 ~$110–$160 Included
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$78 ~$56–$100 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$32 ~$42–$63 Left out: far from the other models (more than 3x away from their median)
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$110 ~$100–$130 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. ~$140 ~$110–$180 Included
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Pathward Financial, Inc. with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

89 /100

Strong moat

How hard Pathward Financial's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 20 / 20

    Net income has been a median 1.9% of total assets over 10 years.

  • Durability 17 / 20

    Net margin has been a median 21.5%; its worst year was 16.7%.

  • Discipline 20 / 20

    The diluted share count fell 31.9% over five years; stock-based pay has been a median 1.6% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (94 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: January 21, 2027, after the close. Analysts expect revenue of $183m and EPS of $1.57 (range $1.34 to $1.70) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $9.63 +18% $872m +6%
Next $10.93 +13% $930m +7%

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +0.4% on 90 days ago. In the last 30 days, 0 analysts raised Pathward Financial, Inc.'s forecast and 1 cut it.

Consensus EPS forecast Pathward Financial, Inc., last 90 days
$9.58 $9.60 $9.62 $9.64 $9.66 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $9.60 Current fiscal year, 60 days ago: $9.60 Current fiscal year, 30 days ago: $9.60 Current fiscal year, 7 days ago: $9.64 Current fiscal year, Now: $9.63 $9.63

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal year
90 days ago $9.60
60 days ago $9.60
30 days ago $9.60
7 days ago $9.64
Now $9.63

Earnings against estimates

Quarter toEstimateActualSurprise
Sept 2026 $1.58 $1.85 +17.1%
Jun 2026 $1.95 $1.37 −29.6%
Mar 2026 $3.35 $3.35 +0.1%
Dec 2025 $1.38 $1.57 +13.8%

Adjusted EPS as companies report it, against the average analyst estimate.

Management guidance

Earnings release, October 21, 2026

No numeric guidance in Pathward Financial, Inc.'s latest earnings release (filed October 21, 2026). Some companies give their outlook only on the earnings call.

Analyst recommendations

3 analysts, Oct 2026
Buy267%
Hold133%
Sell00%

Monthly trend

  1. Oct 2026213
  2. Sep 2026213

Counts of recommendations published by analysts covering Pathward Financial, Inc., by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
17.8%
of tradable shares
Days to cover
12.39
at average volume
Short interest, 1 month
+12%
to October 15, 2026
Held by institutions
—
of shares
Held by insiders
1.4%
of shares
Employees
1,224
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +14.1%

$67.89 on October 31, 2025 to $77.43

ThenNowEffect
Revenue (last 12 months) $833m $826m −0.8%
Net margin 21.7% 21.3% −1.8%
P/E multiple 9.0x 9.7x +7.7%
Share count 24m 22m +8.8%

Biggest factor: share count.

Last 3 years +60.6%

$48.20 on November 3, 2023 to $77.43

ThenNowEffect
Revenue (last 12 months) $667m $826m +23.9%
Net margin 20.9% 21.3% +1.9%
P/E multiple 9.5x 9.7x +1.7%
Share count 28m 22m +25.1%

Biggest factor: share count.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
CASH+64%−28%+23%+40%−3%+9%
Industry peers (median)+34%−4%−2%+16%+10%+24%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
CASH67%25%58%50%42%55%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
CASH−16%−49%−25%−13%−21%−29%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since November 2, 2015: 65% from February 13, 2020 to May 13, 2020. Getting back needed a 185% gain, reached on January 6, 2021, 238 days after the low.

Price behaviour

52-week range
$66.30 – $99.81
From 52-week high
−22.4%
vs 50-day average
+1.4%
vs 200-day average
−8.9%
Volatility (1 year)
29%
Beta vs S&P 500
0.56

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
6 up, 6 down
typical move ±5.2%
After a week
6 up, 6 down
typical move ±5.5%
After a month
5 up, 6 down
typical move ±7.7%
Results releasedNext dayS&P 500 next day5 days21 days
October 21, 2026 +3.8% −0.7% +2.8% —
July 22, 2026 −6.2% −1.3% +0.3% −5.2%
April 22, 2026 −10.4% +0.6% −11.6% −15.5%
January 22, 2026 +11.0% +0.6% +15.7% +20.1%
October 21, 2025 −0.3% −0.5% −3.9% −6.3%
July 28, 2025 −3.1% −0.3% −7.1% −1.1%
April 22, 2025 +12.3% +4.2% +14.0% +11.2%
January 21, 2025 −0.6% +1.5% +3.0% +2.7%
October 23, 2024 −4.0% −0.7% −2.7% +10.5%
July 24, 2024 +4.9% −2.8% +3.9% −1.0%
April 24, 2024 +4.3% −0.4% −0.4% +8.4%
January 24, 2024 +1.1% +0.7% −1.2% −2.5%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Pathward Financial, Inc. in five measures

Fundamentals grade C
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Pathward Financial, Inc.
$700M $750M $800M $850M FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue (TTM), FY23 Q4: $727.7M Revenue (TTM), FY24 Q1: $749.5M Revenue (TTM), FY24 Q2: $778.7M Revenue (TTM), FY24 Q3: $802.1M Revenue (TTM), FY24 Q4: $797.4M Revenue (TTM), FY25 Q1: $808.4M Revenue (TTM), FY25 Q2: $825.6M Revenue (TTM), FY25 Q3: $832.7M Revenue (TTM), FY25 Q4: $839.9M Revenue (TTM), FY26 Q1: $830.4M Revenue (TTM), FY26 Q2: $831.9M Revenue (TTM), FY26 Q3: $825.8M $825.8M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q4 $727.7M
FY24 Q1 $749.5M
FY24 Q2 $778.7M
FY24 Q3 $802.1M
FY24 Q4 $797.4M
FY25 Q1 $808.4M
FY25 Q2 $825.6M
FY25 Q3 $832.7M
FY25 Q4 $839.9M
FY26 Q1 $830.4M
FY26 Q2 $831.9M
FY26 Q3 $825.8M
Revenue growth, TTM YoY Pathward Financial, Inc.
-10% 0% 10% 20% 30% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 Revenue growth, TTM YoY, FY23 Q4: 21.1% Revenue growth, TTM YoY, FY24 Q1: 26.4% Revenue growth, TTM YoY, FY24 Q2: 24.1% Revenue growth, TTM YoY, FY24 Q3: 20.3% Revenue growth, TTM YoY, FY24 Q4: 9.6% Revenue growth, TTM YoY, FY25 Q1: 7.8% Revenue growth, TTM YoY, FY25 Q2: 6.0% Revenue growth, TTM YoY, FY25 Q3: 3.8% Revenue growth, TTM YoY, FY25 Q4: 5.3% Revenue growth, TTM YoY, FY26 Q1: 2.7% Revenue growth, TTM YoY, FY26 Q2: 0.8% Revenue growth, TTM YoY, FY26 Q3: -0.8% -0.8%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q4 21.1%
FY24 Q1 26.4%
FY24 Q2 24.1%
FY24 Q3 20.3%
FY24 Q4 9.6%
FY25 Q1 7.8%
FY25 Q2 6.0%
FY25 Q3 3.8%
FY25 Q4 5.3%
FY26 Q1 2.7%
FY26 Q2 0.8%
FY26 Q3 -0.8%
FCF margin (TTM) Pathward Financial, Inc.
20% 40% 60% 80% 100% FY23 Q4 FY24 Q3 FY25 Q2 FY26 Q3 FCF margin (TTM), FY23 Q4: 43.9% FCF margin (TTM), FY24 Q1: 40.0% FCF margin (TTM), FY24 Q2: 45.6% FCF margin (TTM), FY24 Q3: 57.0% FCF margin (TTM), FY24 Q4: 60.0% FCF margin (TTM), FY25 Q1: 46.7% FCF margin (TTM), FY25 Q2: 43.7% FCF margin (TTM), FY25 Q3: 33.3% FCF margin (TTM), FY25 Q4: 52.3% FCF margin (TTM), FY26 Q1: 74.3% FCF margin (TTM), FY26 Q2: 79.7% FCF margin (TTM), FY26 Q3: 82.8% 82.8%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q4 43.9%
FY24 Q1 40.0%
FY24 Q2 45.6%
FY24 Q3 57.0%
FY24 Q4 60.0%
FY25 Q1 46.7%
FY25 Q2 43.7%
FY25 Q3 33.3%
FY25 Q4 52.3%
FY26 Q1 74.3%
FY26 Q2 79.7%
FY26 Q3 82.8%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Where the money goes

FY2025, from the 10-K

What Pathward Financial earned on its loans and securities in FY2025, what it paid depositors and lenders, and how its revenue split between running costs, credit losses, tax and profit.

  1. Interest income $523M
  2. Fee and other income $328M · 39.1%
  3. Interest paid $11.6M
  4. Net interest income $512M · 60.9%
  5. Revenue $840M
  6. Non-interest expense $560M · 66.7%
  7. Credit-loss provisions $56.8M · 6.8%
  8. Pre-tax profit $223M · 26.6%
  9. Income tax $36.3M · 4.3%
  10. Net income $186M · 22.1%

Shares of revenue. Source: Pathward Financial's 10-K for FY2025, as filed with the SEC.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2009 Sept 2009 2010 Sept 2010 2011 Sept 2011 2012 Sept 2012 2013 Sept 2013 2014 Sept 2014 2015 Sept 2015 2016 Sept 2016 2017 Sept 2017 2018 Sept 2018 2019 Sept 2019 2020 Sept 2020 2021 Sept 2021 2022 Sept 2022 2023 Sept 2023 2024 Sept 2024 2025 Sept 2025 LTM Jun 2026
Income
Revenue 108 131 92 103 92 98 117 178 265 315 487 499 550 601 728 797 840 826
Net income −1 12 5 17 13 16 18 33 45 52 97 105 142 151 143 183 186 176
Diluted EPS −$0.56 $1.37 $0.50 $1.64 $0.79 $0.84 $0.89 $0.43 $1.61 $1.67 $2.49 $2.94 $4.38 $5.09 $5.24 $7.20 $7.87 $7.98
Growth (year on year)
Revenue — +21.1% −29.7% +12.5% −11.4% +7.1% +19.8% +51.7% +49.0% +18.7% +54.5% +2.5% +10.2% +9.3% +21.1% +9.6% +5.3% −0.8%
Net income — — −62.6% +268.8% −21.6% +17.1% +14.9% +84.0% +35.2% +14.9% +87.9% +8.0% +35.3% +6.7% −5.2% +27.9% +1.4% −2.6%
Diluted EPS — — −63.7% +230.2% −51.6% +6.3% +5.1% −51.1% +271.5% +3.7% +49.1% +18.1% +49.0% +16.2% +2.9% +37.4% +9.3% +5.9%
Margins
Net margin −1.4% 9.5% 5.1% 16.6% 14.7% 16.0% 15.4% 18.7% 16.9% 16.4% 19.9% 21.0% 25.8% 25.1% 19.7% 23.0% 22.1% 21.3%
Free-cash-flow margin 17.7% 24.7% 21.8% 73.4% −31.0% 24.0% 37.6% 40.2% 42.6% 41.0% 36.4% 91.2% 103.4% 46.9% 43.9% 60.0% 52.3% 82.8%
Cash flow
Cash from operations 23 35 22 80 −23 26 49 78 120 138 191 467 582 290 328 489 451 697
Capital spending 4 2 2 4 5 2 5 7 7 9 14 12 13 8 9 10 12 13
Free cash flow 19 32 20 76 −28 23 44 72 113 129 177 455 569 282 319 479 439 684
Stock-based pay 1 1 0 0 0 0 0 0 10 11 13 10 7 10 11 10 10 12
Free cash flow after stock pay 18 32 20 76 −28 23 44 71 103 118 164 445 562 272 308 468 429 672
Balance sheet
Cash 6 88 277 145 40 30 28 774 1,268 100 127 427 314 388 376 158 121 149
Total debt 0 0 0 0 0 0 563 1,188 1,490 515 862 98 93 36 47 410 42 201
Net debt (negative = net cash) −6 −88 −277 −145 −40 −30 536 414 222 415 735 −329 −221 −352 −329 252 −78 52
Diluted shares — 9m 9m 10m 17m 19m 20m 25m 28m 31m 38m 35m 32m 29m 27m 25m 24m 22m
Returned to shareholders
Dividends 1 2 2 2 3 3 3 4 5 6 8 7 6 6 5 5 5 4
Total returned 1 2 2 2 3 3 3 4 5 6 8 7 6 6 5 5 5 4

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Dividends (TTM)
$4.4M
Returned to shareholders
1%
of free cash flow
Diluted share count
−8.1%
year over year
Total shareholder yield
0.3%
dividends 0.3% + buybacks 0.0% of market value
Dividend payout ratio
3%
of net income paid out
Sales & admin spending
0.0%
of revenue

Competitors: side by side with peers

Closest by revenue in regional banks
Last 12 months unless stated CASH TRMK BBT CBU BUSE CATY Median
Revenue, last 12 months $826m $818m $801m $859m $790m $871m $255m
Revenue growth, last 12 months −0.8% 4.5% 74.1% 10.0% 41.4% 14.5% 12.5%
Revenue growth, 3-year average 7.4% 5.6% 21.2% 9.7% 27.2% 1.5% 6.0%
Revenue growth, latest quarter −3.1% 4.8% 92.8% 12.0% −0.7% 13.1% 10.7%
Net margin 21.3% 28.7% 20.0% 26.6% 29.3% 39.9% 28.7%
Cash from operations / revenue 84.4% 25.4% 29.1% 35.9% 28.8% 62.2% 34.3%
Free-cash-flow margin 82.8% 22.9% 38.4% 28.7% 26.4% 61.4% 31.4%
Free-cash-flow margin, 3-year average 57.7% 25.4% 29.6% 27.8% 29.4% 49.3% 29.9%
Stock pay / revenue 1.4% 0.9% 0.5% 1.3% 1.9% 0.9% 1.2%
Change in share count −8.1% −2.6% −5.0% −0.1% 28.7% −4.5% 0.4%

Median of all 245 companies we cover in regional banks. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

245 regional banks companies
Measure Company Peer median Rank
Revenue growth Growth -0.8% 12.5% 229 of 245
Change in growth rate Growth -1.6pp +0.0pp 166 of 244
Net margin Profitability 21.3% 28.7% 187 of 245
Stock pay as % of revenue Cash generation 1.4% 1.3% 122 of 206
Change in share count Balance sheet -8.1% 0.4% 6 of 230

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Where the revenue comes from

Fiscal year to September 30, 2025
Segments
Line of business Revenue Share YoY
Consumer $527M 62.8% ▲ 6.1%
Commercial $276M 32.9% ▲ 4.0%
Corporate and Other $36.2M 4.3% ▲ 3.9%
Products and services
Line of business Revenue YoY
Payment Card and Deposit Fees $125M ▼ 0.8%
Payment Card and Deposit Fees $125M ▼ 0.8%
Rental Income $51.7M ▼ 4.6%
Refund Advance Fee Income $48.7M ▲ 12.0%
Refund Transfer Fees $44M ▲ 9.5%

These categories overlap or exclude eliminations, so shares aren't shown.

From Pathward Financial, Inc.'s 10-K filed November 25, 2025, as tagged in the filing. View filing. Indented rows are part of the line above; their share is of that line. In the bars, the faint bar behind is the year before.

Who owns it

Funds buying and selling
Reported value
$1.8B
Institutions reporting
278
Shares held vs prior quarter
▲ 0.1%
Positions opened / closed
30 / 24

Top buyers and sellers, Q2 2026: 139 institutions bought and 118 sold ; the biggest buyer was Qube Research & Technologies Ltd (+242K shares) and the biggest seller Jane Street Group, LLC (−163K). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Blackrock, Inc. $270M 3.1M 15.0% ▼ 1.7%
FMR LLC $157M 1.8M 8.7% ▼ 7.8%
State Street Corp $125M 1.4M 7.0% ▲ 8.3%
American Century Companies Inc $111M 1.3M 6.1% ▲ 11.6%
Dimensional Fund Advisors LP $92.7M 1.1M 5.1% ▼ 2.6%
Geode Capital Management, LLC $63.8M 733K 3.5% ▲ 4.8%
Vanguard Capital Management LLC $63.5M 729K 3.5% ▼ 2.8%
Earnest Partners LLC $49.5M 569K 2.8% ▼ 0.8%
Vanguard Portfolio Management LLC $38.6M 443K 2.1% ▲ 1.5%
Neumeier Poma Investment Counsel LLC $30.6M 352K 1.7% ▼ 1.2%
Allspring Global Investments Holdings, LLC $30.4M 339K 1.7% ▲ 45.7%
Qube Research & Technologies Ltd $25.9M 297K 1.4% ▲ 438.6%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Pathward Financial, Inc.'s complete shareholder register. Values are as reported by the filers ; 2 inconsistently scaled filing rows were excluded.

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $2.7M 5 trades by 5 insiders · 0% under pre-set plans
Net ▼ $2.7M net selling
Insider Date Trade Shares Price Value
Hoople Elizabeth G. Director May 29, 2026 Sell 4,500 $82.29 $370,305
Hajek Douglas J. Director April 29, 2026 Sell 5,000 $86.37 $431,850
Pharr Brett L. Chief Executive Officer February 23, 2026 Sell 15,641 $93.88 $1.5M
Stork Kendall E Director February 9, 2026 Sell 3,000 $94.15 $282,450
Perretta Christopher Director January 30, 2026 Sell 1,450 $89.94 $130,413

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around January 21, 2027 estimated from the company's past filing pattern, not announced

  • October 21, 2026
  • July 22, 2026
  • April 22, 2026
  • January 22, 2026
  • October 21, 2025
  • July 28, 2025

Recent SEC filings

Data status

When each part of this page on Pathward Financial, Inc. was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Pathward Financial, Inc. in brief

What does Pathward Financial, Inc. do?
Pathward Financial, Inc. is a US-listed company in the regional banks industry. Its financial year ends in September.
What is Pathward Financial, Inc.'s stock ticker?
Pathward Financial, Inc. trades under the ticker CASH on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Pathward Financial, Inc.'s revenue, and how fast is it growing?
Over its most recent trailing twelve months, Pathward Financial, Inc. reported revenue of $826M, 0.8% lower than a year earlier, according to its SEC filings.
What is Pathward Financial, Inc.'s free cash flow?
Pathward Financial, Inc.'s free-cash-flow margin is 82.8% of revenue over the trailing twelve months.
Who are Pathward Financial, Inc.'s largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Blackrock, Inc., FMR LLC and State Street Corp. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Pathward Financial, Inc.'s market cap?
On November 2, 2026, Pathward Financial, Inc.'s market capitalisation was about $1.7B, with a price-to-earnings ratio of 9.7 and net debt of $51.6M. Market figures come from third-party market data and may be delayed.
Does Pathward Financial, Inc. pay a dividend?
Yes: Pathward Financial, Inc. paid $4.4M in dividends over the trailing twelve months, a dividend yield of 0.27% and a payout ratio of 2.5%.
Who are Pathward Financial, Inc.'s competitors?
In our Regional Banks peer group, the companies closest to Pathward Financial, Inc. are Trustmark Corp, Beacon Financial Corp, Community Financial System, Inc., First Busey Corp and Cathay General Bancorp. The side-by-side comparison below sets their revenue, margins and growth against Pathward Financial, Inc.'s.
Are insiders buying or selling Pathward Financial, Inc. stock?
Over the last 12 months, Pathward Financial, Inc.'s directors and officers reported 0 open-market purchases and 5 sales on Form 4. The insider trading page charts every trade.
When is Pathward Financial, Inc.'s next earnings date?
Around January 21, 2027, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Pathward Financial, Inc. announces its own schedule.