# Pathward Financial share price today (Pathward Financial, Inc., CASH)

> Pathward Financial, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. CASH · Financials · Banks - Regional · data as of 5 November 2026. Page: https://www.sectoralpha.in/us/stocks/cash

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## Key numbers

- Business trend: Slowing from a peak, from the last 12 quarters
- Price: $76.64 (+11.6% in a year)
- P/BV: 1.9× (lower than 58% of the last 5.3 years)
- Revenue (Sep 2026): $173 M (−9.1% on a year ago)
- Profit (Sep 2026): $38.6 M (−0.2% on a year ago)
- Net margin: 22.3% (+2.0 points on a year ago)
- ROE: 21%, FY26
- ROA: 2.45%, latest

Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. ## What is the Pathward Financial share price today? Pathward Financial, Inc.'s share price was $76.64 at the close on 5 November 2026. It has been moving sideways for 12 weeks. That is 9.9% below its average price over the last 200 trading days. In the last 52 weeks it traded between $69 and $99, and at that close it sat 26% of the way up from that low. Over the past 13 weeks it has done worse than the S&P 500, and it has been behind for 12 weeks running. Over the last 10 years the share price moved +356% while the S&P 500 moved +245%, so it is ahead of the index over that whole period. It was last ahead over 13 weeks in the week of 14 August 2026. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Pathward Financial pay? Pathward Financial, Inc. paid $0.20 per share over the last four reported quarters. The most recent declaration was $0.05 for Sep 2026. At today's price of $76.64 that is a yield of 0.26%, based on dividends already paid, not a forecast. ## Which stock lists is Pathward Financial on? Pathward Financial is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Pathward Financial profitable? Pathward Financial, Inc. earned $38.6 M of net profit in the Sep 2026 quarter, −0.2% on the same quarter a year earlier. Full-year FY26 profit was $175 M. Over 5 years profit has grown 3.8% a year on average. That is 22.3% of the quarter's revenue. The same quarter a year earlier earned $38.7 M. For the full year, FY26 profit was $175 M (−5.2% on the year before). Why profit moved: revenue changed −9.1% on a year earlier and the margin moved +2.0 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed −4.0% and revenue −5.7%. Profit and revenue are moving at about the same pace. ## How much revenue does Pathward Financial make, and is it growing? Pathward Financial, Inc. reported $173 M of income in the Sep 2026 quarter, −9.1% on the same quarter a year earlier. Over 5 years it has grown 8.0% a year on average. The last full year, FY26, came in at $735 M. The last four reported quarters add to $735 M. FY26 revenue was $735 M, −5.8% on the year before. Recent pace: the last four quarters grew −5.7% on average, against 8.0% a year over the longer run, so this year is growing slower than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew −5.8%, against −0.2% a year over the last 8 quarters (rolling over); profit over the last 12 months grew −5.2%, against −1.7% a year (rolling over). ## How much does Pathward Financial keep from what it earns? Pathward Financial, Inc.'s net margin was 22.3% in the Sep 2026 quarter, 2.0 percentage points higher than the same quarter a year ago. Across 6 years it has been between 22.9% and 29.1%. The latest quarter is below every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Pathward Financial's loans have gone bad? Pathward Financial, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Pathward Financial's loan book growing? Pathward Financial, Inc.'s revenue was $735 M in FY26, −5.8% on the year before, so the loan book is not growing. The latest quarter was −9.1% on a year earlier. The net margin on that income is 22.3%, +2.0 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Pathward Financial's P/BV ratio, and how does it compare with its own history? Pathward Financial, Inc.'s P/BV is 1.9×, in the middle of its own history: higher than 42% of past readings. Its usual P/BV (the middle reading) is 2.0×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is where it is: over the past year book value grew while the price moved +11.6%. Price and book value moved together, so the multiple stayed in its range. Where the price move came from: over 5 years the price moved +4.3% a year; about +7.3% a year came from book-value growth and about −3.0 percentage points from the multiple (the market paying less). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is about average against its own past, so the book value trend underneath matters more than the multiple. ## Is the Pathward Financial business getting better or worse? Pathward Financial, Inc.'s business is slowing from a peak. Revenue, profit and EPS growth have slowed sharply (revenue growth from +20.4% at its peak to −5.8% now), while ROE is still 21.4%. This is based on 12 quarters of 4 measures. Why it matters: slowing from a peak is where good stories often end quietly. ## How much does Pathward Financial earn on its equity and assets? Pathward Financial, Inc. earned a return on equity of 21% in FY26. Its lowest yearly reading on file was 17% in FY21. On its assets, every $100 earned about $2.45, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That is above the level a bank needs to grow its net worth steadily. Why ROE moved: profit grew 3.8% a year over 5 years while net worth grew more slowly. When earnings recover faster than net worth builds up, ROE climbs off its low. ## Does Pathward Financial have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Pathward Financial shareholding pattern? 14.9% of Pathward Financial, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so a large group of traders is betting against it. At normal trading volumes, closing those positions would take about 12.4 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Pathward Financial from balance-sheet trouble? For Pathward Financial, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Pathward Financial rank in its industry? There is no score against its industry: Pathward Financial, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Pathward Financial compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Pathward Financial in size? Pathward Financial is the 129th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: National Bank Holdings Corporation, Bank First Corporation and ConnectOne Bancorp, Inc. Just below it: Live Oak Bancshares, Inc., Lakeland Financial Corporation and Esquire Financial Holdings, Inc. ### Banks - Regional companies close in size

1. [National Bank Holdings Corporation](https://www.sectoralpha.in/us/stocks/nbhc) $1.6 billion
2. [Bank First Corporation](https://www.sectoralpha.in/us/stocks/bfc) $1.6 billion
3. [ConnectOne Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/cnob) $1.6 billion
4. Pathward Financial, Inc. $1.6 billion
5. [Live Oak Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/lob) $1.6 billion
6. [Lakeland Financial Corporation](https://www.sectoralpha.in/us/stocks/lkfn) $1.5 billion
7. [Esquire Financial Holdings, Inc.](https://www.sectoralpha.in/us/stocks/esq) $1.5 billion

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Ryerson Holding Corporation](https://www.sectoralpha.in/us/stocks/ryz) $1.6 billion · Metal Fabrication
2. [Global Net Lease, Inc.](https://www.sectoralpha.in/us/stocks/gnl) $1.6 billion · REIT - Diversified
3. Pathward Financial, Inc. $1.6 billion
4. [Arlo Technologies, Inc.](https://www.sectoralpha.in/us/stocks/arlo) $1.6 billion · Building Products & Equipment
5. [Central Puerto S.A.](https://www.sectoralpha.in/us/stocks/cepu) $1.6 billion · Utilities - Regulated Electric

## What else do people ask about Pathward Financial? ### What were Pathward Financial's latest quarterly results? Pathward Financial, Inc. reported total income of $173 M and net profit of $38.6 M for the Sep 2026 quarter. Income fell 9.1% and profit fell 0.2% compared with a year earlier. Earnings per share were $1.85. The net margin was 22.3%, 2.0 percentage points higher than a year earlier (as of 5 November 2026). ### What is Pathward Financial's market cap? Pathward Financial, Inc.'s market capitalisation is $1.6 B at a stock price of $76.64. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 5 November 2026). ### How is Pathward Financial performing? Pathward Financial, Inc.'s share price has been moving sideways for 12 weeks. In its latest quarter, income fell 9.1% and profit fell 0.2% compared with a year earlier. Over the past 13 weeks it has done worse than the S&P 500, for 12 weeks running (as of 5 November 2026). ### Will Pathward Financial's stock price go up? This page does not forecast Pathward Financial, Inc.'s stock price. What it shows instead: the stock price is $76.64, and it has been moving sideways for 12 weeks. Its P/BV of 1.9× is higher than 42% of its own last 5 years (as of 5 November 2026). ### Where is Pathward Financial in its business cycle? Pathward Financial, Inc.'s FY26 net margin was 23.9%, against a 6-year range of 22.9% to 29.1%: the low end of its own range, which is often where recoveries start. The latest quarter was 22.3%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 5 November 2026). ### What could break the Pathward Financial story? Biggest thing to watch: the price is not yet in a clear uptrend, so timing is the risk more than the business. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 5 November 2026). ### Is Pathward Financial a stock worth studying right now? What the numbers show: Pathward Financial, Inc.'s share price, valuation and earnings point in different directions. The next one or two quarters should make it clearer. The main open question: the next one or two quarters of results. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 5 November 2026). This is research, not advice. We’re not SEBI-registered.