CASH · Pathward Financial, Inc.
$88.63
-0.86 (-0.96%)
At close · Aug 6
Market Cap
$1.87B
Shares
21.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$88.63
Open$89.97
Day$88.52–89.97
52W$65.75–101.20
Avg vol 30d226K
Short int2.2M · 10.5% float · 11.4d
Short vol70%
Last earningsJul 22, 2026
DataJan 2020–Aug 2026
Filing10-Q · May 7
Up next
Next earnings call
Oct 21, 2026
Est · unconfirmed
· in 11 wks
FQ4-26 quarter ends
~Sep 30, 2026
Est
filed May 7, 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
Buy
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Bullish
Fundamentals
Excellent
Quant / Vol
Moderate
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+7%
above
Price vs 50-day avg
+3%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
65%
mid-range
Momentum
relative strength
1-month return
−1%
trailing
6-month return
0%
trailing
YTD return
+25%
this year
Relative strength
−12%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $86 › 200d $83 — 50d above 200d
Institutional flow
Accumulating
88 of 276 funds reported for Jun 30 · net +63.7K sh shares · +10 new
Insider flow
Distributing
Net -$370.3K over 90 days · 100% sells
Short interest
Falling
10.50% of float · ▼ -1.7% MoM · 11.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
276 holders — near 3-yr high, broad support
Squeeze score
73
high risk · 0–100
Fundamentals
Revenue growth
+5%
Y/Y
EPS growth
+9%
Y/Y
Free cash flow
$438.9M
Valuation
P/E 10.5
below peers
Balance sheet
$78.1M
net cash
Quant / Vol
risk profile
Volatility
30%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
2.8%
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
Raised
$8.55 – $9.05
prior FY $7.87
midpoint +11.8% Y/Y
Guided vs delivered
· last 1 settled
EPS
fiscal year 2025
guided $7.50 – $7.80
$7.87
Beat +2.9%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+7%
Bullish
Price vs 50-day avg
+3%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
65%
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $86 › 200d $83 — 50d above 200d
Institutional flow
Accumulating
88 of 276 funds reported for Jun 30 · net +63.7K sh shares · +10 new
Insider flow
Distributing
Net -$370.3K over 90 days · 100% sells
Short interest
Falling
10.50% of float · ▼ -1.7% MoM · 11.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
276 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $66
Now $89 · 65%
52-wk high $101
vs 200-day avg +7%
vs 50-day avg +3%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Average interest-earning assets | $6.88B | third quarter of fiscal 2026 | — |
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| Cost of funds for all deposits and borrowings | 0.07% | third quarter of fiscal 2026 | — |
| Net interest margin | 6.59% | third quarter of fiscal 2026 | — |
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| Net interest margin (excluding gross interest income on consumer finance loans and including con non-GAAP | 5.27% | third quarter of fiscal 2026 | — |
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| New loan originations | 1.86B | third quarter of fiscal 2026 | — |
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| Overall cost of deposits | 0.01% | third quarter of fiscal 2026 | — |
| Overall cost of deposits (including contractual, rate-related processing expense associated with non-GAAP | 1.43% | third quarter of fiscal 2026 | — |
| Servicing fee income on custodial deposits | $7.5M | third quarter of fiscal 2026 | — |
| Shares available for repurchase under current common stock share repurchase program | 3,127,179 | As of June 30, 2026 | — |
| Shares repurchased | 303,632 | third quarter of fiscal 2026 | — |
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| Tax-equivalent yield on average interest-earning assets | 6.66% | third quarter of fiscal 2026 | — |
| Total tax services product income, net of losses and direct product expenses | $77.1M | nine months ended June 30, 2026 | — |
| Total tax services product revenue | $107.7M | nine months ended June 30, 2026 | — |
| Yield on loan and lease portfolio | 7.99% | third quarter of fiscal 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 | — |
| Common Equity Tier 1 non-GAAP | 679,613K | December 31, 2025 | — |
| Common equity Tier 1 capital ratio (Bank) non-GAAP | 12.67% | December 31, 2025 | — |
| Common equity Tier 1 capital ratio (Company) non-GAAP | 12.02% | December 31, 2025 | — |
| Customer deposits managed at other banks | 1.05B | December 31, 2025 | — |
| Nonperforming loans and leases | 109.1M | December 31, 2025 | — |
| Nonperforming loans and leases as percentage of total gross loans and leases | 2.15% | December 31, 2025 | — |
| 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 | — |
| Tier 1 capital ratio (Bank) non-GAAP | 12.67% | December 31, 2025 | — |
| Tier 1 capital ratio (Company) non-GAAP | 12.26% | December 31, 2025 | — |
| Tier 1 leverage capital ratio (Company) non-GAAP | 9.51% | December 31, 2025 | — |
| Tier 1 leverage ratio (Bank) non-GAAP | 9.84% | December 31, 2025 | — |
| Total capital non-GAAP | 772,345K | December 31, 2025 | — |
| Total capital ratio (Bank) non-GAAP | 13.73% | December 31, 2025 | — |
| Total capital ratio (Company) non-GAAP | 13.67% | December 31, 2025 | — |
| Total Tier 1 capital non-GAAP | 692,837K | December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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.
|
$1.87B | +25.0% | +9.6% | 10.5 | 10.5% |
|
MFG
Mizuho Financial Group Inc
|
$130.23B | +46.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.06B | -34.9% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.32B | +3.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.84B | +23.9% | +7.2% | 13.9 | 1.7% |
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 | +1.1% | -1.2% | +0.5% | +0.4% | +25.0% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | -2.6% | -3.5% | -12.3% | -2.4% | +12.3% |
Capital returns
Latest dividend
$0.05
/ share · ex Jun 11, 2026
Paid (TTM)
$0.20
/ share · 4 payouts
Dividend yield (TTM, derived)
0.23%
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)
75 filings
75 filers
Visit website
Investor relations