Pathward Financial, Inc. (CASH) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

NBT Bancorp, Inc.

Fulton Financial Corp.

City Holding Co.

OFG Bancorp

Community Bank System, Inc.

FB Financial Corp.

Park National Corp.

First Merchants Corp. (Indiana)

WaFd, Inc.

Pathward Financial, Inc.

Simmons First National Corp.

Why is Pathward Financial, Inc. ?

Flat results in Jun 25

ROCE(HY) Lowest at 2.44%
GROSS NPA (%)(Q) Highest at 1.5%
DIVIDEND PAYOUT RATIO(Y) Lowest at 2.76%

Below par performance in long term as well as near term

Along with generating -15.20% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Pathward Financial, Inc. should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Pathward Financial, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Pathward Financial, Inc.

-10.75%

1.17

27.92%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.45%

EBIT Growth (5y)

27.67%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

3.02%

Pledged Shares

Institutional Holding

100.00%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

2.23

EV to EBIT

10.98

EV to EBITDA

7.88

EV to Capital Employed

2.89

EV to Sales

3.24

PEG Ratio

1.06

Dividend Yield

28.58%

ROCE (Latest)

26.31%

ROE (Latest)

21.71%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Mildly Bearish

RSI

Bullish

No Signal

Bollinger Bands

Mildly Bearish

Sideways

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

ROCE(HY)

Highest at 2.44%

CREDIT DEPOSIT RATIO(HY)

Highest at 78.99%

-6What is not working for the Company

ROCE(HY)

Lowest at 2.44%

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 2.76%

Here's what is working for Pathward Financial, Inc.

Credit Deposit Ratio

Highest at 78.99%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Here's what is not working for Pathward Financial, Inc.

Non Performing Loans (%)

Highest at 1.5%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Dividend Payout Ratio

Lowest at 2.76%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)