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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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FB Financial Corp.

Pathward Financial, Inc.

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Park National Corp.

First Merchants Corp. (Indiana)

Simmons First National Corp.

Why is Pathward Financial, Inc. ?

High Profitability with a Net Interest Margin of 9.48%

Strong Long Term Fundamental Strength with a 11.43% CAGR growth in Net Profits

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 675.27 MM
ROCE(HY) Highest at 2.67%
CREDIT DEPOSIT RATIO(Q) Highest at 2.42%

With ROA of 1.43%, it has a attractive valuation with a 2.24 Price to Book Value

The stock is trading at a fair value compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 10.39%, its profits have risen by 13.8% ; the PEG ratio of the company is 0.4

High Institutional Holdings at 100%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Pathward Financial, Inc.

10.39%

2.14

28.93%

S&P 500

19.75%

1.50

13.19%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.75%

EBIT Growth (5y)

29.68%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

2.54%

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

2.24

EV to EBIT

8.32

EV to EBITDA

6.31

EV to Capital Employed

3.45

EV to Sales

2.90

PEG Ratio

0.43

Dividend Yield

0.24%

ROCE (Latest)

41.46%

ROE (Latest)

22.86%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bullish

No Trend

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

10What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 675.27 MM

ROCE(HY)

Highest at 2.67%

CREDIT DEPOSIT RATIO(Q)

Highest at 2.42%

PRE-TAX PROFIT(Q)

At USD 87.23 MM has Grown at 48.19%

NET PROFIT(Q)

At USD 72.84 MM has Grown at 49.13%

EPS(Q)

Highest at USD 3.35

-8What is not working for the Company

GROSS NPA (%)

DIVIDEND PAYOUT RATIO(Y)

Lowest at 1.49%

ROCE(HY)

Lowest at 2.67%

CASH AND EQV(HY)

Lowest at USD 488.82 MM

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

Operating Cash Flow

Highest at USD 675.27 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Credit Deposit Ratio

Highest at 2.42% and Grown

In each half year 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 (%)

Pre-Tax Profit

At USD 87.23 MM has Grown at 48.19%

over average net sales of the previous four periods of USD 58.86 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 72.84 MM has Grown at 49.13%

over average net sales of the previous four periods of USD 48.84 MM

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 3.35

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

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

Non Performing Loans (%)

Highest at 2.42% and Grown

In each half year 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 1.49% and Fallen

In each year in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)

Cash and Eqv

Lowest at USD 488.82 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents