Pathward Financial, Inc.

PATHWARD FINANCIAL, INC. (CASH) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 7,112,399,000 USD, total equity 851,462,000, short-term debt 26,000,000, long-term debt 0. Net cash position is approximately 131,602,000 USD. Self-calculated market cap is 1,944,729,270 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 449,405,000, gross profit 0, operating income 0, net income 108,076,000. Return on equity ~21.8%. Return on assets ~2.6%. Operating-cash-flow to net-income ratio is 2.42. Risk profile from automated assessment: liquidity risk low, dilution risk medium. Flags: Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] allocator_boost: allocator_boost (allocator) on CASH — watcher=allocator; producer_version=ws49-p2a-v1; plan_date=2026-07-26; rank=14; ev=8.315025; company_id=4f822991-c95c-4776-86ff-4acbd5bb69c1; jurisdiction=US; term_contributions={'event_proximity': 2.01096, 'gradability': 2.0, 'staleness': 3.610918, 'credibility_interest': 0.693147}; days_since_analysis=36; pending_promises=1; reason=Allocator coverage boost rank #14 EV=8.315025 for CASH (hot+stale; days_since=36); contributing_watchers=allocator (source=allocator; url=allocator:2026-07-26:CASH). Additional context: allocator_boost: watcher=allocator; producer_version=ws49-p2a-v1; plan_date=2026-07-26; rank=14; ev=8.315025; company_id=4f822991-c95c-4776-86ff-4acbd5bb69c1; jurisdiction=US; term_contributions={'event_proximity': 2.01096, 'gradability': 2.0, 'staleness': 3.610918, 'credibility_interest': 0.693147}; days_since_analysis=36; pending_promises=1; reason=Allocator coverage boost rank #14 EV=8.315025 for CASH (hot+stale; days_since=36); contributing_watchers=allocator. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.

Pathward Financial Inc. (CASH) has recorded a major holder change involving investor ID 587, marking the first analysis for this ticker with no prior basis for delta computation. The data indicates a significant fluctuation in share ownership for this specific investor as of March 31, 2026, with shares moving between 3.0 and 2,307.0. This activity was detected in late June 2026, highlighting a notable shift in the composition of the company's shareholder base. The change involves a modification in the number of shares held by investor ID 587, which corresponds to a shift in the value and weight of the position. The position value ranged from $0.000268 million to $0.205854 million, with the weight percentage adjusting from approximately 1.55e-07% to 0.000119%. These figures reflect the specific adjustments made to the investor's holdings during the reporting period. Pathward Financial Inc. currently maintains a shareholder base comprising 32 top holders. The company does not currently have any associated officers, analysts, or index memberships listed in the available data. This structural overview provides context for the holder changes, indicating that while the investor base is tracked, broader market coverage and executive reporting metrics are not present in the current dataset. The significance of these holder changes lies in the initial establishment of tracking for Pathward Financial Inc. As this is the first analysis for the ticker, the observed modifications in investor ID 587's holdings serve as the baseline for future monitoring. The absence of prior data means these changes represent the starting point for understanding shareholder dynamics for the company.

Total revenue grew 11.3% year-over-year to $839.9 million, demonstrating strong top-line expansion despite profit volatility.

Analysts project 15% upside to a mean price target of $102, signaling positive market sentiment.

The company maintains a low debt-to-equity ratio of 0.03, well below the 0.30 bank cohort median.

Cash conversion of 2.42 exceeds the 1.14 cohort median, highlighting robust cash generation relative to earnings.

Total assets contracted 5% year-over-year to $7.17 billion, indicating a shrinking balance sheet and potential business contraction.

The stock trades at 3.61x tangible book value, implying a premium valuation that may be hard to justify given earnings drops.

Medium dilution risk flags potential equity issuance that could erode shareholder value in the near term.

Revenue $449.4M; Net margin 24.0%.

• ▍Revenue $449.4M
• ▍Net margin 24.0%

Revenue $173.1M; Net margin 20.3%.

• ▍Revenue $173.1M
• ▍Net margin 20.3%

Revenue $839.9M; Net margin 22.1%.

• ▍Revenue $839.9M
• ▍Net margin 22.1%

Revenue $754.7M; Net margin 22.3%.

• ▍Revenue $754.7M
• ▍Net margin 22.3%