CASH

Rating buyAI Memo

Pathward Financial

As of 2026-02-10/Confidence medium

Open ticker Back to Memos

Data freshness

AI Memo

As of 2026-02-10 • Model: RankAlpha Sentiment AI

Decision Panel

Action, confidence, horizon, and decision blockers at a glance.

Action

buy

Confidence

medium

Horizon

—

Key catalyst

Next quarterly earnings (estimated) • 2026-05-11

Expected move: +6%

Biggest risk

Bear: Deposit cost pressure, NIM compression, or rising credit losses compress multiples and push the stock toward lower analyst forecasts.

Invalidation

Break below $82 or thesis failure.

What would change my mind?

Bull: NIM expansion and stronger loan growth lift EPS above consensus, prompting multiple analysts to target the $100–$105 range and driving re-rating.

Research note

Recommendation

buy

Confidence

medium

As of

2026-02-10

Base target

$95

p=55%

Bull target

$105

p=25%

Bear target

$82

p=20%

Key bullets

Fast scan of bull, bear, and watch items

BullKey bullets

Analyst target upgrades cluster near $100–$105
NIM normalization and loan growth
Bull: NIM expansion and stronger loan growth lift EPS above consensus, prompting multiple analysts to target the $100–$105 range and driving re-rating.

BearKey bullets

Deposit outflows / higher funding costs
Net interest margin compression
Regulatory or compliance actions

WatchKey bullets

Next quarterly earnings (estimated)

Summary

High-level snapshot

Recommendation

buy

Model confidence

medium

Timeframe

Asset

Equity

Trigger

Base case: $95 (p=55%)

Bull/Bear spread: +17% / -9%

Vs latest close: Bull +17% · Base +6% · Bear -9%

Scenario probabilities

Bull Target: $105 (p=25%)Base Target: $95 (p=55%)Bear Target: $82 (p=20%)

Commentary

Sentiment is mixed: recent notes lift targets into the $100–$105 band, but aggregators show a median near ~$92, indicating coverage dispersion and guarded optimism ahead of earnings.

As of 2026-02-10 • Updated bi-weekly / post-earningsSource: Internal modelMethodology

Analyst Summary

Thesis highlights from the latest analysis

Bull Case

Bull: NIM expansion and stronger loan growth lift EPS above consensus, prompting multiple analysts to target the $100–$105 range and driving re-rating.

Bear Case

Bear: Deposit cost pressure, NIM compression, or rising credit losses compress multiples and push the stock toward lower analyst forecasts.

Drivers

Scannable catalysts and supporting factors

Analyst target upgrades cluster near $100–$105
NIM normalization and loan growth

Human Analyst Targets

External snippets for comparison only; verify at source.

Unverified externalLast fetched 2026-02-10Source quality: external scrape

External snippets are unverified; treat as directional signals only. Always confirm with the original provider.

Inline RA est

Provider

serper

Median (USD)

$92.40

Range (USD)

$72.23 - $105.00

Count

Query: Pathward Financial Inc Common (CASH) analyst consensus price target high low average

Pathward Financial (CASH) Price Target Increased by 13.64% to ...
Search result #1
The price target is an average of many targets provided by analysts. The latest targets range from a low of $101.00 to a high of $105.00 / share ...
Extracted: $101.00, $105.00Open source6 days ago
Pathward Financial (CASH) Stock Forecast, Price ... - TipRanks
Search result #2
The highest analyst price target is $100.00 ,the lowest forecast is $100.00. The average price target represents 6.70% Increase from the current price of $93. ...
Extracted: $100.00, $93.00Open source
Pathward Financial, Inc. Stock Price - Perplexity
Search result #3
Analysts maintain a 'Moderate Buy' consensus rating with an average price target of $91, implying significant upside from current levels, while institutional ...
Extracted: $91.00Open source
Pathward Financial, Inc. (CASH) Stock Price, News, Quote & History
Search result #4
Find the latest Pathward Financial, Inc. (CASH) stock quote, history, news and other vital information to help you with your stock trading and investing.
Open source
Pathward Financial (CASH) Price Targets
Search result #5
The forecasts for Pathward Financial, Inc. (CASH) range from a low of $100 to a high of $100. The average price target represents a increase of $6.70 from the ...
Extracted: $100.00, $6.70Open source
CASH / Pathward Financial, Inc. (NasdaqGS) - Forecast, Price ...
Search result #6
The average one-year price target for Pathward Financial, Inc. is $89.76. The forecasts range from a low of $88.88 to a high of $92.40. Read More.
Extracted: $89.76, $88.88, $92.40Open source

Scenarios

Bull Target (Scenario probability)

$105 / p=25% prob

Base Target (Scenario probability)

$95 / p=55% prob

Bear Target (Scenario probability)

$82 / p=20% prob

Price $90 as of 2026-07-17

Nearest Scenario: Base (∆ 6%)

Targets vs latest close: Bull +17% · Base +6% · Bear -9%

Sentiment & Exposure

Sentiment unavailable: insufficient coverage

Events

Other notable items detected

EVENT2026-05-11
Next quarterly earnings (estimated)
Quarterly results and management guidance (estimated date) will likely drive near‑term volatility via NIM and credit commentary.
Prob 60.00% • Move 10.00% • Priced-in 50.00%

Short-term Catalysts

Next few weeks

Analyst target upgrades cluster near $100–$105
2026-05-11
Several sell‑side notes have raised targets toward $100–$105; broader adoption could lift the stock if earnings confirm NIM strength.
Prob 45% • Move 8% • Priced-in 35%

Long-term Catalysts

Months to a year

NIM normalization and loan growth
2027-02-10
Sustained loan growth and improving deposit economics over 12 months could materially expand earnings and valuation.
Prob 55% • Move 20% • Priced-in 40%

Risks

Deposit outflows / higher funding costs
Net interest margin compression
Regulatory or compliance actions
Rising credit-loss provisions

Peers

Symbol	Summary
PNC	Regional bank comparator for deposit franchise and NIM sensitivity.
ZION	Regional lender useful for credit and mortgage exposure comparisons.
MTB	Conservative lender with stable NIM; relevant for credit-quality context.

Sources

Internal and external references used in this analysis

Model source: RankAlpha Sentiment AI
Human targets: serper
Targets query: Pathward Financial Inc Common (CASH) analyst consensus price target high low average
Analysis date: 2026-02-10

AI Stock Memo: CASH - Pathward Financial - RankAlpha