Is Pathward Financial, Inc. overvalued or undervalued?

As of 27 June 2025, the valuation grade for Pathward Financial, Inc. has moved from attractive to fair, indicating a shift in its perceived value. The company appears to be fairly valued at this time. Key ratios include a P/E ratio of 10, a Price to Book Value of 2.23, and an EV to EBITDA of 7.88.
In comparison to its peers, Pathward's P/E ratio of 9.68 suggests it is slightly above the industry average, while its PEG ratio of 1.06 indicates reasonable growth expectations relative to its price. Notably, the company has demonstrated strong performance with a ROCE of 26.31% and a ROE of 21.71%. Recent stock performance shows a 1-year return of 43.12%, significantly outperforming the S&P 500's 12.59% return, reinforcing the notion that the stock is currently fairly valued.