PATHWARD FINANCIAL, INC. CASH

Financials SIC 6021 - National Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Pathward Financial, a registered bank holding company ("BHC") that has elected to be a financial holding company ("FHC"), was incorporated in Delaware on June 14, 1993. Pathward Financial's principal assets are all the issued and outstanding shares of the Bank, a chartered national bank, the accounts of which are insured up to applicable limits by the Federal Deposit Insurance Corporation ("FDIC") as administrator of the Deposit Insurance Fund ("DIF"). Unless the context otherwise requires, references herein to the Company include Pathward Financial and the Bank, and all subsidiaries of Pathward Financial, direct or indirect, on a consolidated basis.

As a nationwide provider of payments and commercial finance products, the Company has offices across the country. The principal executive office is located at 5501 South Broadband Lane, Sioux Falls, South Dakota, 57108. Its telephone number at that address is (877) 497-7497. The Company is subject to comprehensive regulation and supervision. See "Regulation and Supervision" herein.

Last close 77.50 2026-10-23
Market cap $1.61B 2026-06-30 share count
52-week range 65.87 - 101.26

Valuation FY2025 figures against the last close

P/S1.9x
P/E9.8x
P/FCF3.7x
EV/EBITDA—
Dividend yield0.3%
Diluted EPS7.87

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $839.9M$797.4M$421.9M$329.4M$285.9M$292.8M$325.7M$158.5M$108.1M$81.4M
SG&A $0$0$0———————
Interest expense $511.8M$497.8M$411.1M$324.6M$6.9M$33.8M$61.5M$28.0M$14.9M$4.1M
Pre-tax income $223.1M$218.6M$155.0M$180.3M$156.4M$115.0M$97.9M$57.4M$55.1M$38.8M
Income tax $36.3M$34.1M$9.6M$26.2M$10.7M$5.7M$3.4M$5.1M$10.2M$5.6M
Net income $185.9M$183.2M$143.3M$151.1M$141.7M$104.7M$97.0M$51.6M$44.9M$33.2M
EPS, basic 7.917.215.265.094.382.942.491.681.621.31
EPS, diluted 7.877.205.245.094.382.942.491.671.611.30
Shares, diluted (wtd. avg.) 23.5M25.2M26.9M29.2M31.8M34.8M38.0M30.9M27.9M25.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $120.6M$158.3M$375.6M$388.0M$1.23B$427.4M$126.5M$100.0M$1.27B$773.8M
Property, plant and equipment $40.6M$39.1M$38.6M$42.1M$44.1M$41.6M$45.9M$40.5M$19.3M$18.6M
Goodwill $297.9M$309.5M$309.5M$309.5M$309.5M$309.5M$309.5M$303.3M$98.7M$36.9M
Other intangibles $12.5M$16.6M$20.7M$25.7M$33.1M$41.7M$52.8M$70.7M$52.2M$28.9M
Total assets $7.17B$7.53B$7.50B$6.72B$7.60B$6.09B$6.18B$5.84B$5.23B$4.01B
Short-term debt $9.0M$377.0M$13.0M$0$0$0$646.0M$425.8M$1.40B$1.10B
Long-term debt $33.5M$33.4M$34.2M$16.6M$92.3M$98.2M$215.8M$89.0M——
Total liabilities $6.31B$6.71B$6.78B$6.00B$6.78B$5.24B$5.34B$5.09B$4.79B$3.67B
Retained earnings $359.8M$337.1M$245.4M$234.9M$211.7M$234.9M$252.8M$213.0M$167.2M$127.2M
Total equity $858.0M$822.5M$618.3M$633.2M$819.2M$847.3M$844.0M$747.7M$434.5M$335.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $450.6M$488.8M$327.9M$290.0M$581.6M$467.2M$191.0M$137.8M$120.0M$78.5M
Depreciation and amortisation $59.7M$57.8M$65.0M$61.6M$59.0M$60.7M$55.1M$37.7M$45.0M$35.6M
Stock-based compensation $9.5M$10.3M$11.1M$10.0M$6.9M$10.2M$12.9M$11.1M$10.4M$486.0K
Capital expenditure $11.7M$10.1M$8.6M$8.2M$13.0M$12.3M$14.0M$8.5M$6.8M$7.0M
Investing cash flow $25.8M-$262.9M-$945.6M-$332.1M-$1.12B-$206.3M-$339.2M-$389.8M-$700.4M-$738.5M
Financing cash flow -$513.0M-$443.2M$604.9M$117.8M$422.9M$40.0M$174.9M-$915.6M$1.07B$1.41B
Dividends paid $4.7M$5.1M$5.4M$5.9M$6.4M$7.1M$7.8M$5.7M$4.8M$4.4M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000907471-25-000116.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 250M 500M 750M 1B Revenue, FY2016: 81.4M Net income, FY2016: 33.2M Revenue, FY2017: 108.1M Net income, FY2017: 44.9M Revenue, FY2018: 158.5M Net income, FY2018: 51.6M Revenue, FY2019: 325.7M Net income, FY2019: 97M Revenue, FY2020: 292.8M Net income, FY2020: 104.7M Revenue, FY2021: 285.9M Net income, FY2021: 141.7M Revenue, FY2022: 329.4M Net income, FY2022: 151.1M Revenue, FY2023: 421.9M Net income, FY2023: 143.3M Revenue, FY2024: 797.4M Net income, FY2024: 183.2M Revenue, FY2025: 839.9M Net income, FY2025: 185.9M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $81.4M $108.1M $158.5M $325.7M $292.8M $285.9M $329.4M $421.9M $797.4M $839.9M
Gross profit — — — — — — — — — —
Net income $33.2M $44.9M $51.6M $97.0M $104.7M $141.7M $151.1M $143.3M $183.2M $185.9M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Auditor changed The company changed auditors. Sometimes routine; historically one of the more reliable warnings that something is wrong. Item 4.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6021

TickerCompanyMarket capP/ERevenue growth
JPM JPMORGAN CHASE & CO $881.40B 16.6x 2.8%
BAC BANK OF AMERICA CORP /DE/ $353.55B 13.3x 6.8%
WFC WELLS FARGO & COMPANY/MN $249.15B 13.2x -3.8%
C CITIGROUP INC $211.00B 17.3x 5.6%
COF CAPITAL ONE FINANCIAL CORP $125.29B 50.0x 36.3%
USB US BANCORP \DE\ $92.83B 12.9x 4.4%
PNC PNC FINANCIAL SERVICES GROUP, INC. $89.55B 13.5x 7.2%
TFC TRUIST FINANCIAL CORP $59.18B 12.7x -2.1%