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CASH

Pathward FinancialB
Nasdaq / Banks
Last Price
At close
2026-07-23
View Chart
Current thesis
Tax-services growth, higher commercial-finance interest income, stronger originations, higher noninterest income, disciplined expenses, and buybacks support a constructive medium-term case. [#SEC-8K-2026-07-22]
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +1.6.
What can break
Credit performance weakened because of several larger loans, creating uncertainty about loss severity and recurrence. [#SEC-8K-2026-07-22]
Momentum
45
Value
63
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $95.00 · Bull $102.00 · Bear $80.00
Data freshness
Prices
As of 2026-07-23
Fundamentals
As of 2026-07-22 • Vendor: Data Vendor v1
Scores
As of 2026-07-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-23
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $101.00
Why
Momentum45 · Δ7d -19.1
Value63 · Δ7d +1.6
Sentiment59 · Δ7d +1.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Value · See fundamentals
Momentum
45
26% active weight
Current posture
7d trendSoftening
Δ7d
-19.1
Δ21d
+6.3
Value
63
39% active weight
Current posture
7d trendImproving
Δ7d
+1.6
Δ21d
+0.8
Sentiment
59
34% active weight
Current posture
7d trendImproving
Δ7d
+1.6
Δ21d
-1.5
Why this grade

Composite grade B. Momentum 44.6 / Value 62.9 / Sentiment 59.4

Fundamentals (TTM)
As of 2026-07-22
Market Cap
$1.87B
Beta
0.75
Shares Out
21.11M
P/E (TTM)
9.3
P/S (TTM)
1.99
P/FCF (TTM)
7.12
Rev YoY
+0.1%
EPS YoY
+6.7%
Gross Margin
-
Op Margin
+27.1%
Net Debt
-$54.16M
Current Ratio
0.03
As of 2026-07-23 • Updated nightlySource: Internal modelMethodology