CASH

Pathward FinancialB

Nasdaq / Banks

At close

2026-07-22

Current thesis

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

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.4.

What can break

Deposit outflows / higher funding costs

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $95.00 · Bull $105.00 · Bear $82.00

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

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

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $107.50

Why

Momentum47 · Δ7d +17.3

Value62 · Δ7d +0.4

Sentiment57 · Δ7d +2.1

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+17.3

Δ21d

+19.4

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.4

Δ21d

-0.2

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+2.1

Δ21d

-3.5

Why this grade

Composite grade B. Momentum 47.4 / Value 61.9 / Sentiment 56.9

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 2026-07-22 • Updated nightlySource: Internal modelMethodology