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About the company
Pathward Financial, Inc. is a financial holding company. The Company operates through its subsidiary 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)516.26m
- Net income in USD190.47m
- Incorporated1993
- Employees1.17k
- LocationPathward Financial Inc5501 South Broadband LaneSIOUX FALLS 57108United StatesUSA
- Phone+1 (877) 497-7497
- Fax+1 (605) 338-0604
- Websitehttps://www.pathward.com/
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Peer analysis
Key Information
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Hope Bancorp Inc | 941.33m | 58.52m | 1.60bn | 1.24k | 26.99 | 0.7024 | -- | 3.21 | 0.4634 | 0.4634 | 3.94 | 17.81 | -- | -- | -- | -- | 0.3289 | 0.7882 | -- | -- | -- | -- | 11.73 | 26.28 | -- | -- | -- | 47.48 | -1.34 | 9.46 | -38.18 | -11.20 | -- | 0.00 |
| Triumph Financial Inc | 430.47m | 22.15m | 1.62bn | 1.54k | 73.89 | 1.81 | 51.04 | 3.70 | 0.9249 | 0.9249 | 18.48 | 39.63 | -- | -- | -- | -- | 0.4114 | 1.04 | -- | -- | -- | -- | 5.78 | 13.65 | -- | -- | -- | -- | 1.88 | 5.97 | 71.94 | -18.69 | -- | -- |
| S&T Bancorp Inc | 516.49m | 134.23m | 1.65bn | 1.21k | 12.65 | 1.13 | -- | 4.10 | 3.49 | 3.49 | 10.45 | 39.14 | -- | -- | -- | -- | 1.37 | 1.39 | -- | -- | -- | -- | 33.38 | 34.39 | -- | -- | -- | 37.11 | 0.1198 | 10.02 | 2.27 | 44.96 | -- | 4.26 |
| German American Bancorp Inc | 420.09m | 112.64m | 1.66bn | 1.02k | 14.66 | 1.43 | 18.35 | 4.60 | 3.03 | 3.03 | 9.83 | 31.00 | -- | -- | -- | -- | 1.53 | 1.45 | -- | -- | -- | -- | 31.16 | 33.32 | -- | -- | -- | 34.48 | 44.34 | 19.23 | 34.39 | 12.61 | -- | 8.83 |
| TriCo Bancshares | 470.57m | 121.56m | 1.69bn | 1.14k | 14.11 | 1.27 | 17.95 | 4.03 | 3.70 | 3.70 | 12.76 | 41.07 | -- | -- | -- | -- | 1.25 | 1.27 | -- | -- | -- | -- | 29.00 | 30.19 | -- | -- | -- | 32.58 | 0.843 | 11.99 | 5.82 | 13.40 | -- | 9.42 |
| Bank First Corp | -100.00bn | -100.00bn | 1.70bn | 366.00 | -- | 2.31 | -- | -- | -- | -- | -- | 65.47 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| 1st Source Corp | 504.56m | 147.30m | 1.72bn | 1.21k | 11.73 | 1.39 | 10.93 | 4.08 | 6.01 | 6.01 | 17.16 | 50.60 | -- | -- | -- | -- | 1.67 | 1.44 | -- | -- | -- | -- | 35.31 | 32.52 | -- | -- | -- | 27.41 | 16.10 | 11.34 | 6.19 | 7.52 | 3.27 | 4.94 |
| Federal Agricultural Mortgage Corp | 1.59bn | 192.70m | 1.81bn | 191.00 | 9.79 | 1.59 | -- | 1.13 | 17.55 | 17.55 | 144.97 | 154.29 | 0.0497 | -- | 5.01 | 8,332,681.00 | 0.6751 | 0.6291 | 0.9982 | 0.9519 | 25.00 | 31.08 | 13.57 | 17.96 | -- | -- | 0.9488 | 31.21 | 15.09 | 19.96 | 4.39 | 14.01 | -- | 14.87 |
| Live Oak Bancshares Inc | 908.47m | 102.82m | 1.88bn | 1.03k | 18.31 | 1.63 | 23.79 | 3.25 | 2.23 | 2.23 | 12.56 | 27.15 | -- | -- | -- | -- | 0.7525 | 1.12 | -- | -- | -- | -- | 18.28 | 23.47 | -- | -- | -- | 4.49 | 11.83 | 25.79 | 32.72 | 13.00 | -- | 0.00 |
| Stellar Bancorp Inc | 574.47m | 102.87m | 1.99bn | 1.08k | 19.72 | 1.19 | 15.00 | 4.70 | 1.99 | 1.99 | 8.17 | 32.78 | -- | -- | -- | -- | 0.9476 | 0.9825 | -- | -- | -- | -- | 24.30 | 24.63 | -- | -- | -- | 28.78 | -4.64 | 33.01 | -10.55 | 31.30 | -- | 7.34 |
| Pathward Financial Inc | 516.26m | 190.47m | 2.04bn | 1.17k | 11.41 | 2.43 | 12.20 | 2.46 | 8.22 | 8.22 | 36.04 | 38.55 | -- | -- | -- | -- | 2.53 | 2.34 | -- | -- | -- | -- | 23.13 | 23.37 | -- | -- | -- | 3.43 | 0.835 | 12.32 | 2.01 | 12.60 | 26.56 | 0.00 |
| Stock Yards Bancorp Inc | 467.59m | 140.15m | 2.10bn | 1.14k | 14.99 | -- | 19.53 | 5.28 | 4.75 | 4.75 | 13.46 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 35.28 | 32.17 | -- | -- | -- | -- | 13.25 | 25.89 | 22.36 | 18.94 | -- | -1.37 |
| Walker & Dunlop, Inc. | 1.24bn | 112.29m | 2.15bn | 1.40k | 18.76 | 1.20 | 6.05 | 1.74 | 3.37 | 3.37 | 37.08 | 52.89 | 0.2382 | -- | 3.63 | 883,297.40 | 2.14 | 4.30 | 2.15 | 4.41 | -- | -- | 9.00 | 15.97 | -- | 12.61 | 0.6283 | 39.77 | 7.40 | 6.74 | 1.07 | -8.82 | 22.43 | 16.72 |
| Enterprise Financial Services Corp | 888.41m | 197.62m | 2.21bn | 1.22k | 11.29 | 1.13 | 14.68 | 2.99 | 5.30 | 5.30 | 19.85 | 55.17 | -- | -- | -- | -- | 1.22 | 1.31 | -- | -- | -- | -- | 27.22 | 30.87 | -- | -- | -- | 20.37 | 4.39 | 23.86 | 8.87 | 21.58 | -- | 11.12 |
| Nicolet Bankshares Inc | 470.95m | 150.69m | 2.26bn | 957.00 | 15.55 | 1.79 | 18.58 | 5.75 | 9.79 | 9.79 | 25.45 | 84.91 | -- | -- | -- | -- | 1.68 | 1.21 | -- | -- | -- | -- | 38.44 | 31.83 | -- | -- | -- | -- | 7.43 | 25.85 | 21.46 | 20.17 | -- | -- |
| Bank of NT Butterfield & Son Ltd | 565.78m | 227.73m | 2.31bn | 1.30k | 10.06 | 1.98 | 8.71 | 3.85 | 5.28 | 5.28 | 13.89 | 26.84 | -- | -- | -- | -- | 1.60 | 1.34 | -- | -- | -- | -- | 37.95 | 35.56 | -- | -- | -- | 44.46 | 7.35 | 7.65 | -4.07 | 4.08 | -1.12 | 0.00 |
Data as of Feb 09 2026. Currency figures normalised to Pathward Financial Inc's reporting currency: US Dollar USD
51.14%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| BlackRock Fund Advisorsas of 30 Sep 2025 | 3.11m | 13.92% |
| Fidelity Management & Research Co. LLCas of 30 Sep 2025 | 1.67m | 7.50% |
| SSgA Funds Management, Inc.as of 30 Sep 2025 | 1.39m | 6.23% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 1.34m | 5.99% |
| Dimensional Fund Advisors LPas of 30 Sep 2025 | 1.07m | 4.77% |
| American Century Investment Management, Inc.as of 30 Sep 2025 | 1.05m | 4.70% |
| Geode Capital Management LLCas of 30 Sep 2025 | 699.45k | 3.13% |
| FIAM LLCas of 30 Sep 2025 | 399.11k | 1.79% |
| Neumeier Poma Investment Counsel LLCas of 30 Sep 2025 | 348.59k | 1.56% |
| Mawer Investment Management Ltd.as of 30 Sep 2025 | 346.06k | 1.55% |
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Data from 30 Sep 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
