US · CASH
Pathward Financial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Sioux Falls, SD 57108
- Website
- pathwardfinancial.com
Price · as of 2025-09-30
$86.50
Market cap 2.03B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $51.78 | -40.14% |
| Intrinsic Value(DCF) | $103.21 | +19.32% |
| Graham-Dodd Method(GD) | $60.66 | -29.88% |
| Graham Formula(GF) | $82.83 | -4.25% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.22 | $79.13 | $6.85 | $8.50 | $0.00 |
| 2012 | $7.18 | $59.47 | $38.38 | $19.64 | $48.40 |
| 2013 | $11.48 | $85.10 | $21.03 | $9.91 | $0.00 |
| 2014 | $10.89 | $131.53 | $19.53 | $11.21 | $13.19 |
| 2015 | $13.88 | $24.72 | $27.50 | $13.47 | $25.72 |
| 2016 | $30.38 | $62.19 | $104.71 | $15.79 | $69.14 |
| 2017 | $28.97 | $3,292.12 | $3,391.02 | $17.58 | $105.16 |
| 2018 | $19.72 | $35.20 | $3,106.34 | $19.94 | $55.10 |
| 2019 | $34.36 | $37.36 | $7,077.47 | $23.12 | $186.38 |
| 2020 | $34.05 | $49.05 | $446.35 | $26.68 | $3.65 |
| 2021 | $56.82 | $59.74 | $546.68 | $36.99 | $70.49 |
| 2022 | $41.64 | $44.73 | $60.99 | $34.30 | $49.96 |
| 2023 | $52.05 | $41.37 | $71.52 | $36.41 | $129.21 |
| 2024 | $84.32 | $50.92 | $66.35 | $54.45 | $124.63 |
| 2025 | $74.31 | $51.78 | $41.02 | $60.66 | $82.83 |
AI valuation
Our deep-learning model estimates Pathward Financial, Inc.'s (CASH) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $51.78
- Current price
- $86.50
- AI upside
- -40.14%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$103.21
+19.32% upside
Graham-Dodd
$60.66
-29.88% upside
Graham Formula
$82.83
-4.25% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CASH | Pathward Financial, Inc. | $86.50 | 2.03B | -40% | +19% | -30% | -4% | 9.31 | 2.03 | 2.54 | 2.43 | 100.03 | 3.17 | 90.02% | 32.55% | 27.13% | 22.00% | -44.35% | 2.54% | 0.05 | 19.23 | 0.22 | 0.22 | -0.28 | 931.00% | 244.00% | 3383.00% | 13.61% | 0.08 | -56.17% | 0.27% | 2.50% | 28.64% | 3.08 | 2.91 | 1.00 | -0.34 |
| ASRV | AmeriServ Financial, Inc. | $3.80 | 62.78M | +2,076% | +37% | +107% | +12% | 11.24 | 0.55 | 0.71 | 13.35 | 18.16 | 0.62 | 62.41% | 7.69% | 6.35% | 5.04% | 6.29% | 0.39% | 0.70 | 0.23 | 0.04 | 0.04 | 9.73 | 6190.00% | 457.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 28.20% | 13.35 | — | 1.03 | -0.88 |
| BOTJ | Bank of the James Financi… | $19.92 | 90.5M | +1,422% | +296% | +36% | +38% | 9.67 | 1.09 | 1.40 | 1.04 | 70.50 | 1.21 | 77.90% | 23.81% | 14.43% | 12.45% | 48.27% | 0.89% | 0.11 | 1.07 | 0.66 | 0.66 | -6.79 | 1371.00% | 601.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 82.24% | 0.78 | — | 0.18 | 0.18 |
| BYFC | Broadway Financial Corpor… | $7.75 | 71.16M | +1,299% | +158% | +253% | -12% | 33.53 | 0.23 | 1.00 | 60.27 | — | 0.25 | 49.87% | 4.23% | 2.95% | 0.69% | 0.57% | 0.14% | 1.03 | 0.09 | 0.19 | 0.19 | 65.78 | -9216.00% | 2456.00% | -8301.00% | 1.92% | 0.00 | 0.36% | 2.39% | 80.20% | 93.16% | 76.81 | 169.48 | 3.25 | -0.49 |
| CLST | Catalyst Bancorp, Inc. | $16.50 | 67.88M | +2,412% | +212% | +50% | +104% | 29.85 | 0.75 | 3.99 | 30.34 | — | 0.75 | 72.84% | 16.32% | 13.38% | 2.53% | 2.89% | 0.73% | 0.18 | 0.61 | 0.36 | 0.00 | 5.88 | -17179.00% | 5533.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 30.34 | — | 4.95 | 0.32 |
| HFBL | Home Federal Bancorp, Inc… | $19.02 | 58.46M | +52% | +68% | -19% | -64% | — | 0.75 | 1.27 | -1.06 | — | 0.80 | 63.92% | 14.39% | 12.02% | 0.00% | 30.94% | 0.00% | 0.07 | 0.39 | 0.93 | 0.93 | -2.22 | 769.00% | -288.00% | -157446.00% | 13.17% | 0.01 | 43.18% | 3.95% | — | 18.94% | -1.38 | -1.18 | -0.20 | 0.09 |
| NSTS | NSTS Bancorp, Inc. | $12.25 | 64.18M | +1,566% | +1,034% | +21% | — | -76.88 | 0.79 | 5.04 | -73.60 | — | 0.79 | 72.46% | -6.56% | -6.56% | -1.02% | -1.26% | -0.29% | 0.42 | -0.24 | 0.34 | 0.34 | 46.67 | -7975.00% | 8624.00% | -1082235.00% | 15.03% | 0.06 | 14.58% | 0.00% | 0.00% | 38.94% | -46.27 | 4.01 | 3.03 | -0.05 |
| TECTP | Tectonic Financial, Inc. | $9.99 | 40.48M | +309% | +199% | +29% | +241% | 4.75 | 0.58 | 0.92 | — | — | 0.72 | 100.00% | 41.90% | 19.29% | 12.65% | 20.82% | 1.81% | 0.19 | — | — | — | — | -1016.00% | 966.00% | 15876.00% | -131.33% | — | -78.53% | 7.08% | 33.60% | 11.55% | 2.05 | -0.71 | 0.86 | 0.40 |
About Pathward Financial, Inc.
Pathward Financial, Inc. operates as the holding company for Pathward, National Association that provides various banking products and services in the United States. It operates through three segments: Consumer, Commercial, and Corporate Services/Other. The company offers demand deposit accounts, savings accounts, money market savings accounts, and certificate accounts. It also provides commercial finance product comprising term lending, asset based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; short-term taxpayer advance loans; and warehouse financing services. In addition, the company issues prepaid cards and consumer credit products; sponsors merchant acquiring and automated teller machines (ATMs) in various debit networks; and offers tax refund-transfer services, and other payment industry products and services. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is headquartered in Sioux Falls, South Dakota.
- CEO
- Brett L. Pharr
- Employees
- 1.16K
- Beta
- 0.74
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($103.21 ÷ $86.50) − 1 = +19.32% (DCF, example).