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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)466.24m
- Net income in USD168.95m
- Incorporated1993
- Employees1.19k
- LocationPathward Financial Inc5501 South Broadband LaneSIOUX FALLS 57108United StatesUSA
- Phone+1 (877) 497-7497
- 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) |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
TriCo Bancshares | 460.74m | 113.45m | 1.36bn | 1.21k | 12.14 | 1.16 | 10.95 | 3.38 | 3.40 | 3.40 | 12.10 | 35.62 | -- | -- | -- | -- | 1.16 | 1.27 | -- | -- | -- | -- | 28.14 | 28.97 | -- | -- | -- | 30.29 | 23.30 | 13.94 | -6.40 | 11.43 | -8.05 | 11.38 |
Nicolet Bankshares Inc | 416.34m | 104.88m | 1.40bn | 948.00 | 13.43 | 1.27 | 11.32 | 4.18 | 6.90 | 6.90 | 21.98 | 73.03 | -- | -- | -- | -- | 1.23 | 1.09 | -- | -- | -- | -- | 31.41 | 28.56 | -- | -- | -- | 3.36 | 39.77 | 24.98 | -34.74 | 8.43 | 33.70 | -- |
1st Source Corp | 459.53m | 126.37m | 1.44bn | 1.17k | 11.40 | 1.38 | 10.43 | 3.83 | 5.15 | 5.15 | 15.36 | 42.58 | -- | -- | -- | -- | 1.48 | 1.42 | -- | -- | -- | -- | 33.90 | 31.33 | -- | -- | -- | 28.31 | 41.89 | 10.13 | 3.53 | 8.85 | -24.37 | 6.25 |
Hope Bancorp Inc | 1.04bn | 107.66m | 1.52bn | 1.24k | 14.08 | 0.7177 | -- | 2.92 | 0.8915 | 0.8915 | 4.30 | 17.49 | -- | -- | -- | -- | 0.5705 | 0.9639 | -- | -- | -- | -- | 20.74 | 30.02 | -- | -- | -- | 40.88 | 46.47 | 10.04 | -38.76 | -6.79 | 13.90 | 0.73 |
S&T Bancorp Inc | 506.18m | 136.06m | 1.52bn | 1.24k | 11.22 | 1.15 | -- | 3.83 | 3.54 | 3.54 | 10.29 | 34.54 | -- | -- | -- | -- | 1.44 | 1.14 | -- | -- | -- | -- | 34.38 | 28.97 | -- | -- | -- | 43.75 | 40.25 | 10.52 | 7.02 | 6.01 | 8.31 | 5.44 |
Goldman Sachs BDC Inc | 455.59m | 90.39m | 1.60bn | -- | 16.26 | 1.00 | -- | 3.52 | 0.844 | 0.844 | 4.11 | 13.67 | 0.1254 | -- | -- | -- | 2.49 | 4.56 | 2.55 | 4.66 | 59.96 | 63.31 | 19.84 | 44.31 | -- | 1.52 | 0.5491 | 114.80 | 27.27 | 25.40 | 256.12 | 29.55 | -- | 0.00 |
Pathward Financial Inc | 466.24m | 168.95m | 1.67bn | 1.19k | 9.98 | 2.19 | 8.82 | 2.23 | 6.69 | 6.69 | 29.37 | 30.53 | -- | -- | -- | -- | 2.29 | 2.10 | -- | -- | -- | -- | 22.99 | 23.99 | -- | -- | -- | 5.01 | 27.72 | 20.26 | 4.77 | 25.14 | 112.47 | 2.13 |
Bank of NT Butterfield & Son Ltd | 567.55m | 206.31m | 1.67bn | 1.26k | 8.41 | 1.67 | 8.46 | 2.90 | 4.33 | 4.33 | 12.05 | 21.82 | -- | -- | -- | -- | 1.50 | 1.32 | -- | -- | -- | -- | 35.92 | 34.75 | -- | -- | -- | 47.86 | 36.96 | 8.22 | 5.36 | 2.93 | 22.30 | 2.98 |
Triumph Financial Inc | 425.22m | 26.12m | 1.74bn | 1.57k | 67.21 | 2.10 | 31.88 | 4.18 | 1.11 | 1.11 | 17.69 | 37.44 | -- | -- | -- | -- | 0.5129 | 1.39 | -- | -- | -- | -- | 7.03 | 19.34 | -- | -- | -- | 0.00 | 0.759 | 9.94 | -61.78 | -5.83 | 4.96 | -- |
Stock Yards Bancorp Inc | 381.02m | 104.52m | 1.75bn | 1.06k | 16.67 | 1.95 | 14.23 | 5.14 | 3.56 | 3.56 | 11.57 | 30.44 | -- | -- | -- | -- | 1.30 | 1.42 | -- | -- | -- | -- | 30.77 | 31.76 | -- | -- | -- | 36.01 | 37.77 | 21.69 | 15.89 | 14.18 | 1.84 | 5.10 |
Morgan Stanley Direct Lending Fund | 383.20m | 238.92m | 1.80bn | 0.00 | 7.46 | 0.9698 | -- | 4.71 | 2.71 | 2.71 | 4.34 | 20.81 | 0.1186 | -- | 14.65 | -- | 7.40 | -- | 7.56 | -- | 50.70 | -- | 62.35 | -- | -- | -- | 0.4473 | -- | 59.47 | -- | 375.91 | -- | -- | -- |
Blue Owl Capital Corporation III | 455.38m | 247.73m | 1.81bn | -- | 7.22 | 0.9423 | -- | 3.97 | 2.03 | 2.03 | 3.73 | 15.56 | 0.1118 | -- | -- | -- | 6.08 | -- | 6.27 | -- | 54.34 | -- | 54.40 | -- | -- | -- | 0.5592 | -- | 51.63 | -- | 83.44 | -- | -- | -- |
Enterprise Financial Services Corp | 827.36m | 171.29m | 1.87bn | 1.17k | 10.95 | 1.11 | 10.33 | 2.98 | 4.56 | 4.56 | 16.67 | 47.00 | -- | -- | -- | -- | 1.23 | 1.30 | -- | -- | -- | -- | 27.97 | 31.63 | -- | -- | -- | 19.36 | 48.50 | 26.32 | -4.37 | 16.36 | 16.65 | 16.30 |
Donnelley Financial Solutions Inc | 802.60m | 106.10m | 1.92bn | 1.90k | 18.90 | 4.36 | 11.69 | 2.39 | 3.50 | 3.50 | 26.31 | 15.17 | 0.8992 | -- | 3.49 | 422,421.10 | 11.89 | 7.96 | 15.34 | 10.70 | 61.20 | 50.95 | 13.22 | 7.79 | -- | 11.07 | 0.2966 | -- | -4.37 | -3.71 | -19.80 | 2.23 | 10.74 | -- |
Trustmark Corp | 930.40m | 7.72m | 1.95bn | 2.76k | 254.36 | 1.04 | 42.59 | 3.62 | 0.1251 | 3.03 | 8.79 | 30.70 | -- | -- | -- | -- | 0.0419 | 0.8513 | -- | -- | -- | -- | 1.43 | 20.43 | -- | -- | -- | 41.71 | 62.20 | 12.60 | 130.21 | 2.04 | 11.81 | 0.00 |
Federal Agricultural Mortgage Corp | 1.53bn | 179.44m | 1.96bn | 185.00 | 11.34 | 1.99 | -- | 1.28 | 16.37 | 16.37 | 139.79 | 137.94 | 0.053 | -- | 5.00 | 8,281,406.00 | 0.7142 | 0.602 | 1.03 | 0.9443 | 23.46 | 34.22 | 13.49 | 19.97 | -- | -- | 0.9495 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
Holder | Shares | % Held |
---|---|---|
BlackRock Fund Advisorsas of 31 Mar 2024 | 3.58m | 14.16% |
The Vanguard Group, Inc.as of 31 Mar 2024 | 1.97m | 7.79% |
Fidelity Management & Research Co. LLCas of 31 Mar 2024 | 1.56m | 6.18% |
Dimensional Fund Advisors LPas of 30 Jun 2024 | 1.43m | 5.65% |
SSgA Funds Management, Inc.as of 31 Mar 2024 | 1.28m | 5.05% |
Nantahala Capital Management LLCas of 31 Mar 2024 | 1.02m | 4.04% |
Geode Capital Management LLCas of 30 Jun 2024 | 680.95k | 2.70% |
Goldman Sachs & Co. LLC (Private Banking)as of 31 Mar 2024 | 647.81k | 2.56% |
American Century Investment Management, Inc.as of 30 Jun 2024 | 504.71k | 2.00% |
Philosophy Capital Management LLCas of 31 Mar 2024 | 430.19k | 1.70% |