CASH
Pathward Financial, Inc.
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Sell
-39/100
Last price
71.65
▼ 1.41 (1.92%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
72.20
Prev close
73.06
Day high
72.53
Day low
71.28
Volume
60.14K
Market cap
$1.49B
P/E (TTM)
8.97
52W range
65.87 – 101.26
Day trading desk
Gap from prior close
-1.18%
Prior close 73.06
VWAP
71.87
-0.30% from price
Relative volume
0.26×
Quiet session
Session range
1.75%
71.28 – 72.53
Position in range
30%
Mid range
ATR (14D)
1.66
2.31% of price
Prior day high
74.48
PDH
Prior day low
72.96
PDL
Bid / ask spread
—
Quote not published
Session volume
55.60K
Avg 217.16K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+0.72%
-0.8%
1M
-11.60%
-12.7%
3M
-20.13%
-23.2%
6M
-24.52%
-39.1%
YTD
+0.92%
-12.7%
1Y
-3.17%
-18.5%
3Y
+53.80%
-27.5%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
10 more panels on CASH open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+2.34K
Net buying
Buy transactions
9
11.84K shares
Sell transactions
2
9.50K shares
Net transactions
+11
Buys less sells
Sell : buy shares
0.8 : 1
Mixed
Insider-held shares
315.34K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 4, 26 | MC CRAY RONALD D Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | ZLATKUS LIZABETH H Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | SHULMAN BECKY S Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | PERRETTA CHRISTOPHER Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | HAJEK DOUGLAS J Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | HOOPLE ELIZABETH G Director |
STOCK | 400 | $0 | Direct |
| Sep 4, 26 | STORK KENDALL E. Director |
STOCK | 400 | $0 | Indirect |
| Sep 4, 26 | MEHTA NEERAJ Director |
STOCK | 400 | $0 | Direct |
| Jun 5, 26 | FERRI ERIC ANTHONY Officer |
STOCK | 8.64K | $0 | Direct |
| May 29, 26 | HOOPLE ELIZABETH G Director |
SELL | 4.50K | $370.31K | Direct |
| Apr 29, 26 | HAJEK DOUGLAS J Director |
SELL | 5.00K | $431.84K | Direct |
| Feb 24, 26 | MC CRAY RONALD D Director |
STOCK | 1.65K | $0 | Direct |
| Feb 24, 26 | ZLATKUS LIZABETH H Director |
STOCK | 1.65K | $0 | Direct |
| Feb 24, 26 | SHULMAN BECKY S Director |
STOCK | 1.65K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
HAJEK DOUGLAS J |
Director | 12.68K | Stock Award(Grant) |
HOOPLE ELIZABETH G |
Director | 28.45K | Stock Award(Grant) |
INGRAM CHARLES C |
Chief Technology Officer | 31.53K | Stock Award(Grant) |
MC CRAY RONALD D |
Director | 14.56K | Stock Award(Grant) |
PHARR BRETT L |
Chief Executive Officer | 78.88K | Sale |
SHARETT ANTHONY M |
President | 35.32K | Stock Gift |
SHULMAN BECKY S |
Director | 30.50K | Stock Award(Grant) |
SIGRIST GREGORY A |
Chief Financial Officer | 18.51K | Stock Award(Grant) |
STORK KENDALL E. |
Director | — | Stock Award(Grant) |
ZLATKUS LIZABETH H |
Director | 15.40K | Stock Award(Grant) |
Fundamentals
Market cap$1.49B
Enterprise value$1.59B
Revenue (TTM)$752.03M
Gross profit$752.03M
EBITDA—
Net income$175.56M
EPS (TTM)$7.99
Free cash flow—
Total cash$149.41M
Total debt$223.77M
Book value / share$40.47
Shares outstanding20.77M
Float20.47M
Short % of float15.94%
Dividend yield0.27%
Beta (5Y)0.66
Valuation & profitability ratios
Trailing P/E8.97
Forward P/E7.47
PEG ratio0.20
Price / sales—
Price / book1.77
EV / revenue2.12
EV / EBITDA—
Gross margin0.00%
Operating margin20.52%
Profit margin23.38%
Return on equity21.18%
Return on assets2.43%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $673.63M | $647.67M | $600.59M | $518.52M | +4.0% |
| Operating revenue | $673.63M | $647.67M | $600.59M | $518.52M | +4.0% |
| Selling, general & admin | $200.50M | $201.47M | $184.32M | $171.13M | -0.5% |
| Pre-tax income | $223.05M | $218.62M | $155.04M | $180.30M | +2.0% |
| Tax provision | $36.27M | $34.11M | $9.59M | $26.20M | +6.3% |
| Net income | $185.87M | $183.22M | $143.27M | $151.13M | +1.4% |
| Net income to common | $185.18M | $181.54M | $141.12M | $148.66M | +2.0% |
| Basic EPS | 7.91 | 6.63 | 6.01 | 5.26 | +19.3% |
| Diluted EPS | 7.87 | 6.62 | 5.99 | 5.26 | +18.9% |
| Basic shares | 23.40M | 25.17M | 26.83M | 29.23M | -7.0% |
| Diluted shares | 23.52M | 25.20M | 26.93M | 29.23M | -6.7% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $120.57M | $158.34M | $375.58M | $388.04M | -23.9% |
| Accounts receivable | $38.52M | $31.39M | $23.28M | $17.98M | +22.7% |
| Property, plant & equipment | $200.08M | $244.39M | $250.91M | $246.08M | -18.1% |
| Goodwill & intangibles | $310.43M | $326.09M | $330.23M | $335.20M | -4.8% |
| Total assets | $7.17B | $7.53B | $7.50B | $6.75B | -4.8% |
| Current debt | $9.00M | $377.00M | $13.00M | $0 | -97.6% |
| Long-term debt | $33.46M | $33.35M | $33.87M | $36.03M | +0.3% |
| Total debt | $42.46M | $410.35M | $46.87M | $36.03M | -89.7% |
| Total liabilities | $6.31B | $6.71B | $6.89B | $6.10B | -5.9% |
| Retained earnings | $359.83M | $337.06M | $246.38M | $245.39M | +6.8% |
| Shareholder equity | $858.04M | $822.47M | $619.35M | $645.17M | +4.3% |
| Net tangible assets | $547.62M | $496.37M | $289.13M | $309.97M | +10.3% |
| Shares issued | 22.84M | 24.85M | 26.23M | 28.88M | -8.1% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $186.79M | $184.51M | $145.46M | $154.10M | +1.2% |
| Depreciation & amortisation | $59.73M | $57.77M | $64.95M | $61.60M | +3.4% |
| Stock-based compensation | $9.51M | $10.29M | $11.07M | $10.00M | -7.6% |
| Change in working capital | -$119.58M | $171.52M | $85.14M | -$34.88M | -169.7% |
| Operating cash flow | $450.62M | $488.81M | $327.91M | $290.05M | -7.8% |
| Capital expenditure | -$214.03M | -$276.75M | -$449.91M | -$438.87M | +22.7% |
| Investing cash flow | $25.84M | -$262.93M | -$945.56M | -$332.11M | +109.8% |
| Share buybacks | -$163.05M | -$86.85M | -$120.44M | -$168.24M | -87.7% |
| Dividends paid | -$4.69M | -$5.07M | -$5.43M | -$5.92M | +7.5% |
| Financing cash flow | -$513.03M | -$443.20M | $604.86M | $117.82M | -15.8% |
| Free cash flow | $236.59M | $212.05M | -$121.99M | -$148.82M | +11.6% |
| End cash position | $120.57M | $158.34M | $375.58M | $388.04M | -23.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $156.13M | $232.28M | $142.52M | $153.87M | $156.81M | -32.8% |
| Operating revenue | $156.13M | $232.28M | $142.52M | $153.87M | $156.81M | -32.8% |
| Selling, general & admin | $52.36M | $55.41M | $51.86M | $50.74M | $48.56M | -5.5% |
| Pre-tax income | $32.21M | $87.23M | $42.66M | $48.37M | $47.16M | -63.1% |
| Tax provision | $3.06M | $14.17M | $7.19M | $9.30M | $4.79M | -78.4% |
| Net income | $28.97M | $72.91M | $35.17M | $38.80M | $42.15M | -60.3% |
| Net income to common | $28.94M | $72.84M | $35.12M | $38.66M | $41.99M | -60.3% |
| Basic EPS | 1.37 | 3.37 | 1.57 | 1.70 | 1.82 | -59.3% |
| Diluted EPS | 1.37 | 3.35 | 1.57 | 1.69 | 1.81 | -59.1% |
| Basic shares | 21.07M | 21.61M | 22.31M | 22.71M | 23.01M | -2.5% |
| Diluted shares | 21.17M | 21.72M | 22.38M | 22.84M | 23.14M | -2.6% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $149.41M | $157.60M | $331.22M | $120.57M | $258.34M | -5.2% |
| Accounts receivable | $36.97M | $36.13M | $36.17M | $38.52M | $40.00M | +2.3% |
| Property, plant & equipment | $195.76M | $188.44M | $196.90M | $200.08M | $221.17M | +3.9% |
| Goodwill & intangibles | $308.02M | $308.74M | $309.71M | $310.43M | $311.19M | -0.2% |
| Total assets | $7.31B | $7.11B | $7.56B | $7.17B | $7.23B | +2.8% |
| Current debt | $167.50M | $26.00M | $0 | $9.00M | $115.00M | +544.2% |
| Long-term debt | $33.53M | $33.51M | $33.48M | $33.46M | $33.43M | +0.1% |
| Total debt | $201.03M | $59.51M | $33.48M | $42.46M | $148.43M | +237.8% |
| Total liabilities | $6.46B | $6.26B | $6.71B | $6.31B | $6.41B | +3.2% |
| Retained earnings | $339.25M | $340.74M | $346.53M | $359.83M | $337.32M | -0.4% |
| Shareholder equity | $850.90M | $851.46M | $854.53M | $858.04M | $819.00M | -0.1% |
| Net tangible assets | $542.88M | $542.72M | $544.82M | $547.62M | $507.81M | +0.0% |
| Shares issued | 21.02M | 21.38M | 22.22M | 22.84M | 23.02M | -1.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $29.15M | $73.06M | $35.47M | $39.07M | $42.36M | -60.1% |
| Depreciation & amortisation | $10.80M | $12.71M | $13.39M | $14.30M | $15.09M | -15.0% |
| Stock-based compensation | $2.55M | $3.92M | $2.86M | $2.28M | $2.15M | -34.9% |
| Change in working capital | -$6.25M | $73.04M | -$80.85M | $83.62M | -$355.56M | -108.6% |
| Operating cash flow | $51.95M | $232.95M | $108.30M | $303.66M | $30.36M | -77.7% |
| Capital expenditure | -$32.10M | -$43.35M | -$49.61M | -$92.67M | -$28.58M | +25.9% |
| Investing cash flow | -$270.09M | $141.21M | -$300.36M | -$199.61M | -$282.36M | -291.3% |
| Share buybacks | -$28.28M | -$72.72M | -$50.90M | -$15.15M | -$45.45M | +61.1% |
| Dividends paid | -$1.06M | -$1.09M | -$1.11M | -$1.14M | -$1.15M | +3.1% |
| Financing cash flow | $211.62M | -$546.62M | $401.91M | -$240.59M | $254.02M | +138.7% |
| Free cash flow | $19.85M | $189.60M | $58.70M | $211.00M | $1.78M | -89.5% |
| End cash position | $149.41M | $157.60M | $331.22M | $120.57M | $258.34M | -5.2% |
Options analytics
Put / call volume
18.00
Put-heavy session
Put / call open interest
4.62
Positioning, not flow
Max pain
80.00
+11.6% from spot
ATM implied vol
61.5%
Nearest strike to spot
Skew (10% OTM)
-34.7%
Calls bid over puts
Call volume
1
Contracts, this expiry
Put volume
18
Contracts, this expiry
Heaviest call OI
90.00
10 contracts
Heaviest put OI
70.00
31 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 1.95 | 1.37 | -29.6% |
| Mar 2026 | 3.35 | 3.35 | +0.1% |
| Dec 2025 | 1.38 | 1.57 | +13.8% |
| Sep 2025 | 1.38 | 1.69 | +22.9% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 1.59 | 3 | $179.10M | -4.1% |
| Next quarter | 1.63 | 3 | $183.39M | +5.9% |
| Current year | 7.88 | 3 | $818.35M | -2.6% |
| Next year | 9.60 | 3 | $864.90M | +5.7% |
Analyst targets & ownership
Mean target$101.00
High target$105.00
Low target$97.00
Implied upside40.95%
Analyst count2
ConsensusNONE
Strong buy / Buy2 / 0
Hold1
Sell / Strong sell0 / 0
Held by insiders1.52%
Held by institutions103.20%
Institutions holding392
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
72.81
-1.59% from price
SMA 20
75.00
-4.46% from price
SMA 50
80.92
-11.45% from price
SMA 100
82.98
-13.65% from price
SMA 200
85.01
-15.70% from price
EMA 12
73.62
-2.67% from price
EMA 26
76.09
-5.83% from price
EMA 50
79.12
-9.43% from price
RSI (14)
30.0
Oversold
MACD (12,26,9)
-2.47
Hist 0.12
ATR (14)
1.66
2.31% of price
Realised vol 30D
21.0%
Annualised
Bollinger upper
80.40
20, 2σ
Bollinger lower
69.60
20, 2σ
50 / 200 cross
Death
80.92 vs 85.01
Trend bias
Below 200
-15.70%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.64
Less volatile than market
Correlation to SPY
0.28
Largely independent
Realised vol 30D
21.0%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-28.8%
Peak to trough
Max drawdown 5Y
-51.1%
Peak to trough
ATR 14
1.66
2.31% of price
Beta (reported)
0.66
5Y monthly, from filing
Short interest
Shares short
2.73M
Prior 2.21M
Change vs prior
+23.9%
Shorts adding
% of float
15.94%
Elevated
% of shares out
13.16%
Against total outstanding
Days to cover
12.1
Crowded exit
Float
20.47M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 25, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jul 25, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Apr 5, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 25, 24 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Jan 25, 24 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Dec 21, 23 | Piper Sandler | MAINTAINED | Overweight | Overweight |
| Jul 27, 23 | Keefe, Bruyette & Woods | MAINTAINED | Market Perform | Market Perform |
| Apr 27, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Outperform |
| Apr 6, 23 | Keefe, Bruyette & Woods | MAINTAINED | — | Market Perform |
| Jan 26, 23 | Piper Sandler | MAINTAINED | — | Overweight |
| Oct 12, 22 | Piper Sandler | MAINTAINED | — | Overweight |
| Jul 28, 22 | Keefe, Bruyette & Woods | DOWNGRADE | Outperform | Market Perform |
Dividends & splits
Forward rate$0.20 / yr
Forward yield0.27%
5-year avg yield0.32%
Payout ratio2.50%
Ex-dividend dateSep 10, 2026
Next pay dateOct 1, 2026
Last split3:1
Split dateOct 5, 2018
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-17
Corporate Changes & Voting Matters
8-K · 2026-08-20
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-07-22
Corporate Changes & Voting Matters
8-K · 2026-05-21
Periodic Financial Reports
10-Q · 2026-05-07
Corporate Changes & Voting Matters
8-K · 2026-04-22
Corporate Changes & Voting Matters
8-K · 2026-02-26
Headlines
Tearsheet Names Pathward "Partner Bank of the Year"
Business Wire · 6d ago
Pathward Financial (CASH) Stock Still Looks Like A Bargain Following Its 55% Three Year Run
Simply Wall St. · 7d ago
Pathward Financial (CASH) Faces A Leadership Change, Is It Still 28% Below Fair Value?
Simply Wall St. · 8d ago
3 of Wall Street’s Favorite Stocks to Keep an Eye On
StockStory · 9d ago
Q2 Rundown: Pathward Financial (NASDAQ:CASH) Vs Other Regional Banks Stocks
StockStory · 27d ago
MarketBeat Week in Review – 08/24 - 08/28
MarketBeat · 39d ago
Pathward’s Credit Scare Tests Its Comeback Story
MarketBeat · 43d ago
Pathward Financial (CASH): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · 43d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.