CASH · Pathward Financial, Inc.
$83.71
-0.93 (-1.10%)
At close · Aug 19
Market Cap
$1.76B
Shares
20.77M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$83.71
Open$84.81
Day$83.24–85.42
52W close$66.47–99.93
Avg vol 30d192K
Short int2.2M · 10.6% float · 8.9d
Short vol65%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 9 wks
FQ4-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Sell
Momentum
Weak
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
−0%
below
Price vs 50-day avg
−4%
below
RSI (14)
38
neutral
MACD trend
Negative
52-week position
52%
mid-range
Momentum
relative strength
1-month return
−6%
trailing
6-month return
−12%
trailing
YTD return
+18%
this year
Relative strength
−23%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $87 › 200d $84 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$370.3K over 90 days · 100% sells
Short interest
Falling
10.57% of float · ▼ -0.9% MoM · 8.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
281 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
Revenue growth
+5%
Y/Y
EPS growth
+9%
Y/Y
Free cash flow
$438.9M
Valuation
P/E 10.6
below peers
Balance sheet
$104.3M
net debt
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Earnings per diluted share
· full year
$8.55 – $9.05
Prior guidance
period ended
· from the Earnings Call filed Jun 30, 2025
EPS
· fiscal year 2025
$7.50 – $7.80
Guided vs delivered
· last 1 settled
GAAP earnings per diluted share
fiscal year 2024
guided $6.20 – $6.70
$7.20
Beat +11.6%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Sell
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
−0%
Neutral
Price vs 50-day avg
−4%
Neutral
RSI (14)
38
Neutral
MACD trend
Negative
Bearish
52-week position
52%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $87 › 200d $84 — 50d above 200d
Institutional flow
Accumulating
+1% holders QoQ · +36 funds added
Insider flow
Distributing
Net -$370.3K over 90 days · 100% sells
Short interest
Falling
10.57% of float · ▼ -0.9% MoM · 8.9 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
281 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $66
Now $84 · 52%
Range high $100
vs 200-day avg 0%
vs 50-day avg -4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted Annualized NCOs non-GAAP | 1.35% | 3Q26 | — |
| Adjusted Annualized NCOs - LTM non-GAAP | 0.99% | last 12 months | — |
| Adjusted Annualized NCOs/Adjusted Average Loans and Leases non-GAAP | 1.35% | Jun 30, 2026 | — |
| Adjusted Cost of Deposits non-GAAP | 1.43% | Jun-26 | — |
| Adjusted Efficiency Ratio, LTM non-GAAP | 61.73% | last twelve months ended Jun 30, 2026 | — |
| Adjusted NCOs/Adjusted Average Loans and Leases - LTM non-GAAP | 0.99% | last twelve months ended June 30, 2026 | — |
| Adjusted NIM non-GAAP | 5.27% | Q3 FY 2026 | — |
| Allowance for credit loss | $109.8M | 3Q26 | — |
| Allowance for credit losses as a percentage of total loans and leases | 2.15% | As of June 30, 2026 | — |
| Approximate loss rate | 0.91% | Nine Months Ended June 30, 2026 | — |
| Average interest-earning assets | 6.88B | Q3 FY2026 | — |
|
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| Average Q3 2026 custodial deposits held in custody at program banks | $816M | Q3 2026 | — |
| Common Equity Tier 1 non-GAAP | 685.72M | June 30, 2026 | — |
| Common equity Tier 1 capital ratio (Bank) | 12.05% | June 30, 2026 | — |
| Common equity Tier 1 capital ratio (Company) | 11.51% | June 30, 2026 | — |
| Custodial deposits | $575M | June 30, 2026 | — |
| Customer deposits managed at other banks | $575M | June 30, 2026 | — |
| Efficiency Ratio, LTM | 65.95% | last twelve months ended Jun 30, 2026 | — |
| Floating or variable interest rates | 71% | June 30, 2026 | — |
| Floating or variable loans and leases | $3.6B | June 30, 2026 | — |
| Loans and leases tied to Fed Funds or Prime | $2.5B | June 30, 2026 | — |
| Net charge-offs | $16M | quarter ended June 30, 2026 | — |
| Net interest margin | 6.59% | Q3 FY2026 | — |
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| Net interest margin (excluding gross interest income on consumer finance loans and including dep non-GAAP | 5.27% | Q3 FY2026 | — |
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| New loan originations | 1.86B | Q3 FY2026 | — |
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| Nonperforming assets | $277.5M | June 30, 2026 | — |
| Nonperforming assets as percentage of total assets | 3.79% | June 30, 2026 | — |
| Nonperforming loans and leases | $275.1M | June 30, 2026 | — |
| Nonperforming loans and leases as percentage of total gross loans and leases | 5.28% | June 30, 2026 | — |
| Provision for credit losses | $28.3M | quarter ended June 30, 2026 | — |
| Recordkeeping servicing fee income | $7.5M | the fiscal third quarter | — |
| Renewable energy debt financing outstanding | $2.25B | 3Q26 | — |
| Return on average assets (ROAA) | 2.37% | the nine months ended June 30, 2026 | — |
| Securities portfolio | $1.2B | Q3 2026 | — |
| Shares available for repurchase under the current common stock share repurchase program | 3,127,179 | Q3 FY2026 | — |
| Shares repurchased | 303,632 | Q3 FY2026 | — |
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| Tier 1 capital ratio (Bank) | 12.05% | June 30, 2026 | — |
| Tier 1 capital ratio (Company) | 11.74% | June 30, 2026 | — |
| Tier 1 leverage capital ratio (Company) | 9.66% | June 30, 2026 | — |
| Tier 1 leverage ratio (Bank) | 9.91% | June 30, 2026 | — |
| Total capital non-GAAP | 794.29M | June 30, 2026 | — |
| Total Capital (Pathward Financial, Inc.) | 13.33% | June 30, 2026 | — |
| Total capital ratio (Bank) | 13.31% | June 30, 2026 | — |
| Total Liquidity | $2.71B | June 30, 2026 | — |
| Total loans and leases originations | $1.86B | Q3 FY26 | — |
| Total Refund Advance originations | $1.87B | Nine Months Ended June 30, 2026 | — |
| Total tax services product revenue | 107.7M | Nine months ended June 30, 2026 | — |
| Total Tier 1 capital non-GAAP | 699.5M | June 30, 2026 | — |
| New loan originations, excluding tax services | 1.31B | 2026 fiscal second quarter | — |
| Refund advance loans originated | 1.87B | 2026 tax season through March 31, 2026 | — |
| Shares available for repurchase under current program | 3,430,811 | as of March 31, 2026 | — |
| Annualized return on average assets | 1.87% | the first quarter of fiscal 2026 | — |
| Average outstanding balance of loans and leases | 353.7M | the first quarter of fiscal 2026 | — |
| NIM non-GAAP | 6.95% | the first quarter of fiscal 2026 | — |
| Return on average tangible equity non-GAAP | 26.72% | the first quarter of fiscal 2026 | — |
| Shares available for repurchase | 4,286,012 | December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CASH
this stock
Pathward Financial, Inc.
|
$1.76B | +17.9% | +5.3% | 10.6 | 10.6% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CASH | -2.5% | -5.6% | -11.8% | -5.1% | +17.9% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.1% | -8.5% | -23.3% | -8.1% | +5.1% |
Capital returns
Latest dividend
$0.05
/ share · ex Jun 11, 2026
Paid (TTM)
$0.20
/ share · 4 payouts
Dividend yield (TTM, derived)
0.24%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
Key facts
CIK
907471
CUSIP
59100U108
13F (30d)
257 filings
253 filers
Visit website
Investor relations