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Pathward Financial, Inc. (CASH)

Financial Services | Banks - Regional | Sioux Falls, United States | NasdaqGS
81.50 USD -0.05 (-0.061%) ⇩ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 81.50
Short-term:★⯪☆☆☆Long-term:★★☆☆☆Dividends:★★☆☆☆
Hot Take ↕ | Aug. 22, 2026, 2:17 a.m. EDT

Pathward Financial presents a classic value trap scenario where cheap valuations mask severe operational rot. Despite trading at a low P/E, the company is actively missing earnings estimates, reporting negative revenue and earnings growth, and facing a sharp spike in non-performing loans driven by renewable energy exposure. The stock has recently dropped significantly after Q3 results, confirming that the market is pricing in deteriorating fundamentals rather than a bargain. While the dividend yield exists, it is barely covering the payout ratio and offers no buffer against the ongoing business decline. The options market reflects this fear, with traders aggressively buying protection at lower strikes. This is not a setup for a rebound; it is a cautionary tale of a regional bank struggling with asset quality.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
MSTL ✓0.064834
AutoETS0.067121
AutoARIMA0.067551
AutoTheta0.104340

Forecast horizon: 45 days | Selected: MSTL

Forecast Reliability
Score 44%
H-stat 14.21
Ljung-Box p 0.000
Jarque-Bera p 0.155
Excess Kurtosis -0.88
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-09
Last Dividend Date 2026-06-10
Revenue per Share 34.301
Market Cap 1,693,028,992
Trailing P/E 10.21
Forward P/E 8.49
Beta 0.62
Profit Margins 23.38%
Previous Name Meta Financial Group, Inc.
Website https://www.pathwardfinancial.com

As of Aug. 22, 2026, 2:17 a.m. EDT: Speculators are positioning defensively with heavy put volume relative to calls, particularly at the $75 and $85 strikes. While there is some call interest at $100, the overwhelming open interest in out-of-the-money puts suggests a strong expectation of further downside or a desire to hedge against credit deterioration risks.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.06% 0.25% 0.30% 0.36%
Dividend History
Date Dividend Yield %
2026-06-11 0.050000 0.060306
2026-03-12 0.050000 0.055673
2025-12-10 0.050000 0.066445
2025-09-10 0.050000 0.065402
2025-06-13 0.050000 0.067231
2025-03-13 0.050000 0.071490
2024-12-10 0.050000 0.060709
2024-09-10 0.050000 0.075712
2024-06-11 0.050000 0.093580
2024-03-11 0.050000 0.098425
2023-12-11 0.050000 0.094895
2023-09-11 0.050000 0.102082
2023-06-07 0.050000 0.098503
2023-03-10 0.050000 0.108366
2022-12-07 0.050000 0.117869
2022-09-07 0.050000 0.152439
2022-06-08 0.050000 0.121124
2022-03-09 0.050000 0.097257
2021-12-08 0.050000 0.084345
2021-09-08 0.050000 0.100080
2021-06-09 0.050000 0.093075
2021-03-09 0.050000 0.108015
2020-12-09 0.050000 0.145391
2020-09-09 0.050000 0.275482
2020-06-09 0.050000 0.238436
2020-03-09 0.050000 0.186289
2019-12-09 0.050000 0.142939
2019-09-09 0.050000 0.157085
2019-06-07 0.050000 0.182949
2019-03-08 0.050000 0.253550
2018-12-10 0.050000 0.239808
2018-09-06 0.050000 0.172315
2018-06-08 0.043333 0.115709
2018-03-09 0.043333 0.115043
2017-12-07 0.043333 0.140844
2017-09-07 0.043333 0.201237
2017-06-05 0.043333 0.148316
2017-03-03 0.043333 0.154393
2016-12-06 0.043333 0.140615
2016-09-01 0.043333 0.211312
2016-06-03 0.043333 0.255401
2016-03-04 0.043333 0.309227
2015-12-04 0.043333 0.283407
2015-09-02 0.043333 0.305952
2015-06-04 0.043333 0.320510
2015-03-05 0.043333 0.357238
2014-12-04 0.043333 0.370368
2014-09-04 0.043333 0.343822
2014-06-05 0.043333 0.352110
2014-03-06 0.043333 0.289272
2013-12-06 0.043333 0.346387
2013-09-06 0.043333 0.375177
2013-06-07 0.043333 0.484709
2013-03-08 0.043333 0.518751
2012-12-13 0.043333 0.550843
2012-09-06 0.043333 0.560341
2012-06-07 0.043333 0.614652
2012-03-08 0.043333 0.616694
2011-12-08 0.043333 0.866660
2011-09-08 0.043333 0.722217
2011-06-09 0.043333 0.860921
2011-03-10 0.043333 0.735705
2010-12-09 0.043333 0.948898
2010-09-09 0.043333 0.396943
2010-06-10 0.043333 0.426226
2010-03-11 0.043333 0.597697
2009-12-10 0.043333 0.608040
2009-09-10 0.043333 0.574962
2009-06-11 0.043333 0.653918
2009-03-12 0.043333 1.823268
2008-12-11 0.043333 1.436453
2008-09-11 0.043333 0.752309
2008-06-12 0.043333 0.521038
2008-03-13 0.043333 0.619043
2007-12-13 0.043333 0.317148
2007-09-13 0.043333 0.339246
2007-06-13 0.043333 0.345191
2007-03-13 0.043333 0.421938
2006-12-13 0.043333 0.485978
2006-09-13 0.043333 0.537630
2006-06-13 0.043333 0.590905
2006-03-13 0.043333 0.571424
2005-12-13 0.043333 0.614652
2005-09-13 0.043333 0.697794
2005-06-13 0.043333 0.619043
2005-03-11 0.043333 0.566444
2004-12-13 0.043333 0.571424
2004-09-13 0.043333 0.608325
2004-06-14 0.043333 0.536300
2004-03-11 0.043333 0.568426
2003-12-11 0.043333 0.604365
2003-09-11 0.043333 0.594689
2003-06-11 0.043333 0.704602
2003-03-12 0.043333 0.803455
2002-12-11 0.043333 0.825390
2002-09-11 0.043333 0.923288
2002-06-12 0.043333 0.921979
2002-03-13 0.043333 0.971592
2001-12-12 0.043333 0.942022
2001-09-17 0.043333 1.039992
2001-09-10 0.043330 0.966468
2001-06-13 0.043333 1.060351
2001-03-13 0.043333 1.061216
2000-12-13 0.043333 1.395962
2000-09-13 0.043333 1.283941
2000-06-13 0.043333 1.386656
2000-03-13 0.043333 1.253003
1999-12-13 0.043333 1.094729
1999-09-13 0.043333 0.928564
1999-06-11 0.043333 0.877630
1999-03-11 0.043333 0.873943
1998-12-11 0.043333 0.838703
1998-09-11 0.040000 0.680851
1998-06-11 0.040000 0.510638
1998-03-12 0.040000 0.521739
1997-12-11 0.040000 0.545455
1997-09-11 0.030000 0.480000
1997-06-12 0.030000 0.562500
1997-03-12 0.030000 0.537313
1996-12-12 0.030000 0.545455
1996-09-12 0.024444 0.478252
1996-06-12 0.024444 0.468077
1996-03-13 0.024444 0.499991
1995-12-13 0.024444 0.494373
1995-09-13 0.016667 0.352948
1995-06-13 0.016667 0.441185
1995-03-09 0.016667 0.483881
1994-12-09 0.016667 0.517252
Additional Data
dividendRate 0.2
dividendYield 0.25
exDividendDate 2026-09-10
trailingAnnualDividendRate 0.2
trailingAnnualDividendYield 0.0024524832
lastDividendValue 0.05
lastDividendDate 2026-06-11
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.03216815
Address1 5,501 South Broadband Lane
All Time High 101.26
All Time Low 1.906667
Ask 105.38
Ask Size 2
Audit Risk 10
Average Daily Volume10 Day 234,130
Average Daily Volume3 Month 219,807
Average Volume 219,807
Average Volume10Days 234,130
Beta 0.617
Bid 81.61
Bid Size 1
Board Risk 1
Book Value 40.473
City Sioux Falls
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 81.5
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 82.4
Day Low 81.2
Display Name Pathward Financial
Dividend Date 1,790,812,800
Dividend Rate 0.2
Dividend Yield 0.25
Earnings Call Timestamp End 1,784,754,000
Earnings Call Timestamp Start 1,784,754,000
Earnings Growth -0.247
Earnings Quarterly Growth -0.313
Earnings Timestamp 1,784,750,400
Earnings Timestamp End 1,792,612,800
Earnings Timestamp Start 1,792,612,800
Ebitda Margins 0.0
Enterprise To Revenue 2.35
Enterprise Value 1,767,634,944
Eps Current Year 7.88
Eps Forward 9.59667
Eps Trailing Twelve Months 7.98
Esg Populated 0
Ex Dividend Date 1,788,998,400
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 87.049
Fifty Day Average Change -5.5490036
Fifty Day Average Change Percent -0.063745745
Fifty Two Week Change Percent 3.216815
Fifty Two Week High 101.26
Fifty Two Week High Change -19.760002
Fifty Two Week High Change Percent -0.19514124
Fifty Two Week Low 65.87
Fifty Two Week Low Change 15.629997
Fifty Two Week Low Change Percent 0.23728551
Fifty Two Week Range 65.87 - 101.26
Financial Currency USD
First Trade Date Milliseconds 748,531,800,000
Five Year Avg Dividend Yield 0.36
Float Shares 20,475,057
Forward Eps 9.59667
Forward P E 8.492529
Full Exchange Name NasdaqGS
Full Time Employees 1,196
Fullday Change -0.0500031
Fullday Change Percent -0.0613158
Fullday Price 81.5
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 752,033,024
Has Pre Post Market Data 1
Held Percent Insiders 0.014630001
Held Percent Institutions 1.03606
Implied Shares Outstanding 20,773,362
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 0
Language en-US
Last Dividend Date 1,781,136,000
Last Dividend Value 0.05
Last Fiscal Year End 1,759,190,400
Last Split Date 1,538,697,600
Last Split Factor 3:1
Long Business Summary Pathward Financial, Inc. operates as the bank 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, and money market savings 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; installment and revolving consumer lending products; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, the company offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments, financial processing services for freestanding ATMs; digital payments; and merchant services, as well as issues debit and prepaid cards. 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 based in Sioux Falls, South Dakota.
Long Name Pathward Financial, Inc.
Market us_market
Market Cap 1,693,028,992
Market State CLOSED
Max Age 86,400
Message Board Id finmb_343688
Most Recent Quarter 1,782,777,600
Name Change Date 2,026-08-29
Net Income To Common 175,555,008
Next Fiscal Year End 1,790,726,400
Non Diluted Market Cap 1,694,067,671
Number Of Analyst Opinions 2
Open 81.8
Operating Cashflow 696,867,008
Operating Margins 0.20522
Overall Risk 5
Payout Ratio 0.025
Peg Ratio 0.2
Phone 877 497 7497
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 81.5
Post Market Time 1,787,959,805
Prev Name Meta Financial Group, Inc.
Previous Close 81.55
Price Eps Current Year 10.342639
Price Hint 2
Price To Book 2.013688
Price To Sales Trailing12 Months 2.2512696
Profit Margins 0.23382999
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change -0.0500031
Regular Market Change Percent -0.0613158
Regular Market Day High 82.4
Regular Market Day Low 81.2
Regular Market Day Range 81.2 - 82.4
Regular Market Open 81.8
Regular Market Previous Close 81.55
Regular Market Price 81.5
Regular Market Time 1,787,947,201
Regular Market Volume 203,020
Return On Assets 0.024300002
Return On Equity 0.21176
Revenue Growth -0.135
Revenue Per Share 34.301
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 8
Shares Outstanding 20,773,362
Shares Percent Shares Out 0.1062
Shares Short 2,206,551
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 2,217,033
Short Name Pathward Financial, Inc.
Short Percent Of Float 0.1287
Short Ratio 11.53
Source Interval 15
State SD
Symbol CASH
Target High Price 105.0
Target Low Price 97.0
Target Mean Price 101.0
Target Median Price 101.0
Total Cash 149,412,000
Total Cash Per Share 7.192
Total Debt 223,772,992
Total Revenue 752,033,024
Tradeable 0
Trailing Annual Dividend Rate 0.2
Trailing Annual Dividend Yield 0.0024524832
Trailing Eps 7.98
Trailing P E 10.213033
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 84.31905
Two Hundred Day Average Change -2.8190536
Two Hundred Day Average Change Percent -0.033433173
Type Disp Equity
Volume 203,020
Website https://www.pathwardfinancial.com
Zip 57,108