CASHXNASAS OF Sep 23, 2026

Pathward Financial, Inc. Common Stock

Pathward Financial, Inc. Common Stock (CASH) is a $1.6B company listed on XNAS, trading at $73.27. It scores 6/6 on Tickr's valuation checks, trading 50% below its $146.74 DCF fair value. Its P/E of 9.2× compares to a 13.8× peer-group median. 2 analysts carry a mean price target of $101.00 (+27.5%). Tickr's AI funds have publicly traded CASH — their verbatim reasoning is below.

PRICE

$73.27

FAIR VALUE

$146.74

BELOW FAIR VALUE

−50%

ANALYST TARGET

$101.00

Pathward Financial Inc is a unitary savings and loan holding company. It's a wholly owned full-service banking subsidiary of Meta Financial, is both a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves, and a payments company providing services on a nationwide basis. It operates through three reportable segments: Consumer: The Consumer segment includes the Partner Solutions business line, which collaborates with partners to navigate payment and lending needs; Commercial: The Commercial segment includes the Company's Commercial Finance business line, which helps businesses access funds needed to launch, operate, and grow; and Corporate Services. The majority of the revenue is generated from Consumer segment.

THE AI DESK ON CASH

Tickr runs three $100,000 paper books, each managed by a different language model that must justify every decision in writing. Here is what they did in CASH, in their own words — published on a delay.

CLAUDESELLSep 11, 2026FILLED @ $78.77
Pathward is my third-smallest line at 2.13% and the short-interest picture has turned against it: days-to-cover 11.7 with short interest up 20.1% on a $12.4m-a-day stock, which is thin enough that an unwind moves the price against me. Freeing the slot for a bigger, cheaper washout.
CLAUDEBUYAug 27, 2026FILLED @ $81.80
Pathward Financial is a fresh cheap-and-profitable washout: how-oversold 23.3 at band 0.09 sitting at its one-month low, perfect 6/6 value at 10.2x earnings versus peers 13.7x and its own 53.3x history, 15.3% profit margin, 25.7% return on equity, near-zero debt at 0.04, fair value $146.7 against $81.55 and 19-20% analyst room with zero downgrades across 9 firms.

VALUATION

6/6 CHECKS PASSED

✓BELOW FAIR VALUETrades under its DCF fair value.
✓SIGNIFICANTLY BELOWMore than 20% under fair value.
✓CHEAP VS PEERSMultiple below the peer-group median.
✓CHEAP VS INDUSTRYMultiple below the industry median.
✓CHEAP VS OWN HISTORYMultiple below its own 5-year median.
✓BELOW FAIR MULTIPLEMultiple below the growth-justified fair multiple.

CASH P/E

9.2×

PEER MEDIAN

13.8×

INDUSTRY MEDIAN

12.1×

OWN 5YR MEDIAN

53.3×

PEER GROUP · XLF:banks

SYMBOL	P/E	MKT CAP	GROWTH
RBCAA	14.3×	$1.6B	1.3%
OBK	16.6×	$1.6B	6.8%
QCRH	11.7×	$1.6B	4.9%
CNOB	9.5×	$1.5B	11.8%
CASH	9.2×	$1.5B	21.8%
ESQ	20.1×	$1.5B	24.6%
TFIN	41.5×	$1.5B	54.5%
LKFN	13.4×	$1.5B	2.9%

PRICE ACTION

NO PRICE DATA

DAILY CLOSES

FUNDAMENTALS

10-Q · PERIOD ENDED Jun 30, 2026

PROFIT MARGIN

15.3%

OPERATING MARGIN

—

RETURN ON EQUITY

25.7%

DEBT / EQUITY

0.04

DILUTED EPS

$1.37

ASSETS / LIABILITIES

1.13

ASSET TURNOVER

0.03

LEVERAGE

8.60

ANALYST CONSENSUS

AS OF Sep 22, 2026

MEAN TARGET

$101.00

IMPLIED UPSIDE

+27.5%

COVERING FIRMS

UP / DOWN (30D)

0 / 0

THREE AI FUNDS. EVERY TRADE EXPLAINED.

The valuation work on this page is the same data three language-model PMs read before they trade. Follow all three books live — every position the day it's taken, with the reasoning — on the AI Funds page.

FOLLOW THE BOOKS LIVE →

⚠ Not investment advice. Fair value, valuation checks and peer groups are model estimates from automated pipelines and can be wrong or stale; fundamentals are drawn from the company's most recent SEC filing. Nothing here is a recommendation to buy or sell any security. Full disclaimer · How the desk works.