Pathward Financial (CASH)
Provides partner banking infrastructure and specialty commercial finance through a national bank charter.
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Provides partner banking programs for payments, tax services, consumer credit, and financial institutions alongside working-capital, equipment, and structured finance. Program fees generate revenue while partner-sourced deposits fund a federally chartered bank balance sheet, linking earnings to partner activity, deposit flows, and commercial credit performance.
Runs nationwide financial-services businesses through a federally chartered bank. Partner Solutions supplies issuing, acquiring, digital-payment, financial-institution, consumer-credit, and professional-tax programs to fintechs and other partners; these programs generate fee revenue and deposits that help fund the broader balance sheet.
Commercial Finance provides working-capital, equipment, and structured financing, including asset-based loans, factoring, leases, term loans, and government-guaranteed lending. The model combines payment-program operations and compliance infrastructure with collateral-focused commercial underwriting, while the completed sale of commercial insurance premium finance narrowed the lending mix. Operations are centered in the United States, with a Canadian commercial-finance office. Revenue and funding depend on partner programs, transaction activity, deposit flows, credit performance, and continued compliance with banking and payments regulation.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 23, 2026 | Piper Sandler | Target | Target: $82 | Target: $105 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.37B · Total debt $201.0M · Total assets $7.31B · Shareholders' equity $850.9M
- Revenue
- $190.8M
- Operating income
- $32.2M
- Net income
- $29.0M
HistoryDividendAnnual yield
| Institutions | 99.55% | 21.01M shares | |
|---|---|---|---|
| 287 holders · as of Jun 30, 2026 | |||
| Insiders | 1.56% | 330.3K shares | |
| 16 holders · as of Sep 8, 2026 | |||
| Adds to | 101.11% | ||
21.11M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 101.11%; nothing is left for Other.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.71% | 3.10M | as of Jun 30, 2026 |
FMR LLCInstitution | 8.54% | 1.80M | as of Jun 30, 2026 |
State Street CorpInstitution | 6.82% | 1.44M | as of Jun 30, 2026 |
American Century Companies IncInstitution | 6.02% | 1.27M | as of Jun 30, 2026 |
American Century Investment Management, Inc.Institution | 5.63% | 1.19M | filed Feb 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 29, 2026 | Elizabeth G. Hoople | director | −4,500 | $82.29 |
| Apr 29, 2026 | Douglas J. Hajek | director | −5,000 | $86.37 |
| Feb 23, 2026 | Brett L. Pharr | director, officer: Chief Executive Officer | −15,641 | $93.88 |
| Feb 9, 2026 | Kendall E. Stork | director | −3,000 | $94.15 |
| Jan 30, 2026 | Christopher Perretta | director | −1,450 | $89.94 |
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Pathward Financial | $74.56 | +0.11% | $1.60B | 9.5 | 7.9 | 2.0 | −3.1% |
| The Bancorp | $50.83 | +0.40% | $2.09B | 9.5 | 7.3 | 2.8 | −24.0% |
| Green Dot | $13.21 | −0.08% | $745.3M | — | 8.2 | 0.3 | +17.3% |
| Republic Bancorp | $93.72 | −0.13% | $1.64B | 14.5 | 13.8 | 3.2 | +9.7% |
| Triumph Financial | $62.28 | 0.00% | $1.49B | 42.2 | 23.3 | 3.1 | +11.3% |
| MVB Financial | $30.45 | −0.10% | $389.4M | 10.2 | 14.7 | 1.8 | +25.4% |
| NewtekOne | $11.68 | 0.00% | $336.3M | 4.9 | 5.8 | 1.0 | +7.0% |
| Live Oak Bancshares | $37.87 | −0.08% | $1.76B | 13.4 | 10.4 | 1.6 | +10.0% |
| Median | 11.8 | 10.4 | 1.8 | +10.0% |