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About the company
Pathward Financial, Inc. is a financial holding company. The Company's subsidiary is Pathward, National Association (the Bank). The Bank operates through three segments: Consumer, Commercial, and Corporate Services/Other. The Consumer segment includes the banking as a service (BaaS) business line, which collaborates with partners to navigate payment and lending needs. The Bank's capabilities range from prepaid cards and deposit accounts to payment processing and consumer lending. The Bank offers a variety of installment and revolving consumer lending products through its credit solutions. The Commercial segment offers a variety of products through its working capital, equipment finance, structured finance and insurance premium finance lending solutions. The Corporate Services/Other segment includes certain shared services as well as treasury related functions, such as the investment portfolio, warehouse finance, wholesale deposit, and borrowings.
- Revenue in USD (TTM)429.57m
- Net income in USD161.15m
- Incorporated1993
- Employees1.19k
- LocationPathward Financial Inc5501 SOUTH BROADBAND LANE,P O Box 1307SIOUX FALLS 57108United StatesUSA
- Phone+1 (605) 782-1767
- Fax+1 (605) 338-0604
- Websitehttps://www.pathwardfinancial.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Premier Financial Corp (OHIO) | 365.51m | 111.12m | 687.43m | 944.00 | 6.18 | 0.7032 | 5.67 | 2.23 | 3.10 | 3.10 | 8.60 | 27.31 | -- | -- | -- | -- | 1.30 | 1.39 | -- | -- | -- | -- | 36.14 | 33.00 | -- | -- | -- | 38.66 | 31.61 | 23.99 | 8.85 | 19.17 | 11.28 | 14.14 |
| Capitol Federal Financial, Inc. | 360.14m | -115.30m | 690.06m | 632.00 | -- | 0.6682 | -- | -- | -0.8653 | -0.8653 | -0.2908 | 7.72 | -- | -- | -- | -- | -1.18 | 0.4544 | -- | -- | -- | -- | -- | 25.99 | -- | -- | -- | 261.00 | 28.71 | 2.25 | -220.38 | -- | -11.79 | 0.00 |
| OceanFirst Financial Corp. | 630.54m | 100.80m | 868.57m | 857.00 | 8.53 | 0.5153 | 10.17 | 2.17 | 1.71 | 1.71 | 6.80 | 28.31 | -- | -- | -- | -- | 0.7769 | 0.9323 | -- | -- | -- | -- | 26.13 | 27.28 | -- | -- | -- | 41.39 | 41.00 | 17.05 | -29.86 | 7.37 | -7.67 | 5.23 |
| Provident Financial Services, Inc. | 615.82m | 128.40m | 1.04bn | 1.11k | 8.02 | 0.6144 | 7.42 | 2.17 | 1.72 | 1.72 | 6.40 | 22.38 | -- | -- | -- | -- | 0.9173 | 1.09 | -- | -- | -- | -- | 26.79 | 31.20 | -- | -- | -- | 52.03 | 32.10 | 11.35 | -26.90 | 1.64 | 18.82 | 3.20 |
| Pathward Financial Inc | 429.57m | 161.15m | 1.25bn | 1.19k | 8.04 | 1.74 | 6.79 | 1.74 | 6.09 | 6.09 | 27.25 | 28.08 | -- | -- | -- | -- | 2.27 | 2.10 | -- | -- | -- | -- | 23.04 | 23.99 | -- | -- | -- | 5.01 | 27.72 | 20.26 | 4.77 | 25.14 | 112.47 | 2.13 |
| Northwest Bancshares Inc | 587.92m | 134.62m | 1.37bn | 2.03k | 10.17 | 0.8833 | 8.59 | 2.49 | 1.06 | 1.06 | 4.33 | 12.20 | -- | -- | -- | -- | 0.946 | 0.9368 | -- | -- | -- | -- | 24.56 | 23.40 | -- | -- | -- | 77.84 | 31.00 | 9.36 | 1.15 | 5.00 | 10.35 | 3.30 |
| Columbia Financial Inc | 394.98m | 36.09m | 1.70bn | 720.00 | 46.49 | 1.63 | 36.77 | 7.28 | 0.3482 | 0.3482 | 2.27 | 9.92 | -- | -- | -- | -- | 0.3428 | 0.7212 | -- | -- | -- | -- | 15.47 | 25.94 | -- | -- | -- | 0.00 | 27.55 | 11.78 | -58.12 | 9.68 | -10.47 | -- |
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 31 Dec 2023 | 3.59m | 14.09% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 2.02m | 7.92% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 1.53m | 6.00% |
| Fidelity Management & Research Co. LLCas of 31 Dec 2023 | 1.50m | 5.87% |
| Goldman Sachs & Co. LLC (Private Banking)as of 31 Dec 2023 | 1.45m | 5.70% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 1.28m | 5.02% |
| Nantahala Capital Management LLCas of 31 Dec 2023 | 1.06m | 4.16% |
| Geode Capital Management LLCas of 31 Dec 2023 | 635.87k | 2.50% |
| JPMorgan Investment Management, Inc.as of 31 Dec 2023 | 518.00k | 2.03% |
| Philosophy Capital Management LLCas of 31 Dec 2023 | 437.91k | 1.72% |
