Pathward Financial vs Bancorp
CASH and TBBK side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CASH and TBBK compare
Bancorp is the larger company, worth 1.3 times as much as Pathward Financial ($2.0B against $1.6B).
On earnings, Bancorp is cheaper: it trades at 8.6× trailing earnings, against 9.4× for Pathward Financial.
Pathward Financial grew revenue faster over the last twelve months (−0.84% versus −2.5% for Bancorp).
Bancorp keeps more of each dollar of sales as profit, with a net margin of 35.6% compared with 21.3% at Pathward Financial.
Pathward Financial pays a dividend yielding 0.27%; Bancorp does not pay one.
Pathward Financial scores higher on the StockData Score (18 against 14 for Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CASH | TBBK |
|---|---|---|
| Size and price | ||
| Market cap | $1.6B | $2.0B |
| Share price | $75.35 | $48.62 |
| Change, 1 year | 8.4% | −23.5% |
| Change, 5 years | 19.9% | 59.2% |
| Beta (5Y) | 0.91 | 1.22 |
| Employees | 1,015 | 733 |
| StockData Score | ||
| Total score | 18 (better) | 14 |
| Valuation score | 4 | 4 |
| Growth score | 2 | 2 |
| Performance score | 4 | 5 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 4 (better) | 0 |
| Valuation | ||
| P/E | 9.4× | 8.6× (better) |
| P/S | 1.9× (better) | 2.9× |
| P/B | 1.8× (better) | 2.9× |
| P/FCF | 2.3× (better) | 9.6× |
| PEG | 0.60 | 0.29 (better) |
| FCF yield | 43.7% (better) | 10.4% |
| Fair value | $78.47 | $52.21 |
| Margin of safety | 4.0% | 6.9% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.84% (better) | −2.5% |
| Revenue growth, 5Y average | 11.0% | 81.8% (better) |
| Net income growth (TTM) | −2.6% | 5.3% (better) |
| EPS growth (TTM) | 6.1% | 18.4% (better) |
| EPS growth, 5Y average | 21.8% | 29.1% (better) |
| Profitability | ||
| Net margin | 21.3% | 35.6% (better) |
| FCF margin | 82.8% (better) | 30.8% |
| Return on equity | 21.1% | 33.0% (better) |
| Financial health | ||
| Debt / equity | 0.20 (better) | 1.64 |
| Altman Z-score | 0.32 | 0.38 (better) |
| Piotroski F-score | 7 (better) | 6 |
| Dividends and buybacks | ||
| Dividend yield | 0.27% | – |
| Payout ratio | 2.5% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | 0.00% | – |
| Buyback yield | −0.00% | 15.3% (better) |
| Shareholder yield | 0.27% | 15.3% (better) |
| Ownership | ||
| Held by institutions | 99.6% | 101% |
| Held by insiders | 1.7% | 6.8% |
| Insider net buying, 12 months | −$2.7M | −$551K (better) |
| Superinvestors holding | 1 | – |
| Short interest, % of float | 15.5% | 9.5% |
Go deeper
- CASH stock overview
- CASH income statement
- CASH valuation and score
- TBBK stock overview
- TBBK income statement
- TBBK valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.