Pathward Financial Inc. Common Stock (CASH)

FairStock Score: 70/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $71.85, FairStock’s calculations put Pathward at a P/E of 8.99, P/B of 1.78 and ROE of 21.18%. A bank earning 21% on equity and selling near nine times earnings is the sort of combination Graham would investigate, not dismiss. The filed record is respectable: in FY2025, ended 2025-09-30, revenue was $839.9M, net income $185.9M and diluted EPS $7.87; in FY2024 revenue was $797.4M, net income $183.2M and diluted EPS $7.20; in FY2023 revenue was $727.7M, net income $143.3M and diluted EPS $5.24. That is real growth over three years. But recent momentum is uneven. In fiscal Q3 2026, ended 2026-06-30, revenue was $189.6M, net income $29.0M and diluted EPS $1.37, down sharply from fiscal Q2 2026, ended 2026-03-31, when revenue was $276.3M, net income $72.9M and diluted EPS $3.35. FairStock shows revenue growth of 0.91% and profit growth of -2.73%, and a Piotroski F-Score of 4/9. The Lynch category is STALWART, based on 12.2% five-year profit growth and 11.0% revenue growth, but that steady profile now looks less certain. I cannot judge CET1 capital, net interest margin or credit-loss reserves from these figures, and combined ratio is not relevant to a bank. Without those bank-specific measures, I would treat the low multiple as compensation for uncertainty, not a margin of safety. The balance sheet and underwriting quality are the real questions.

In plain English: Pathward Financial is a bank holding company that offers consumer deposit accounts and commercial finance products, mainly in the United States. The business has earned high returns on shareholder money and steady profits over the past few years, but recent growth has slowed and the latest filed quarterly income was lower than the prior quarter. At the 2026-10-13 close of $71.85, the shares look inexpensive relative to reported earnings and accounting value, though banks always carry credit and regulatory risk.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q3 2026 10-Q (period ended 2026-06-30) · fiscal Q2 2026 10-Q (period ended 2026-03-31) · fiscal Q1 2026 10-Q (period ended 2025-12-31) · fiscal Q4 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-09-30) · FY2024 10-K (period ended 2024-09-30) · FY2023 10-K/A (period ended 2023-09-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer