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Pathward Financial

NSQ:CASH · US59100U1088
BanksSmall

360

51
Profit price94
Cash yield29
Price/Sales97
EV / Gross Profit91
Price/Book15
Returns on capital1
Profit margins—
Cash Conversion97
Accruals60
Owner Earnings Margin1
Sales growth7
Profit Growth58
Owner Earnings Growth1
Reinvestment26
Price momentum10
Debt load50
Debt serviceability63
Liquidity49
Analyst ratings39
Opinion Changes50
Price Target Upside98
Market mood89
Value Creation3/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Pathward Financial doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1993
Employees9
Websitepathward.com
ISINUS59100U1088
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Electronic Money Institutions (EMIs)BankingFinancial Services

Description

Pathward Financial, Inc. (Pathward) operates as the bank holding company for Pathward, National Association (the bank) that provides various financial services. As a nationwide provider of payments and commercial finance products, the company has of…

Analysis

Beloved champion

Pathward Financial, Inc. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

Valuation data is not available for this company.

Growth is tepid; the safety picture is stretched. The company scores 3/20 on our value-creation score: not creating value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
48
2023202420252026

All-time high

91

Jan 2025

All-time low

43

Jan 2023

Average rank

62

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
97
87
93
65
Price/Earnings
95
67
89
43
Price/Book
15
3
3
5
Dividend Yield
29
3
4
7
Value (overall)
62
33
30
9

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →