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Stock Ratings / Financials / CASH
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Pathward Financial Inc. (CASH) — RQD Stock Rating Cockpit

$77.43 +2.82% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $77.68

Pathward Financial Inc. (CASH) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $1.61B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CASH Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Pathward Financial Inc. (NASDAQ: CASH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $77.43 (+2.82% 1D, market cap $1.61B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, CASH ranks #551 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CASH compare to LOB and CNOB in the Financials sector?
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Within the Financials sector (Major Banks), CASH carries a Roarable D+ (54/100 RQD), trailing P/E of 8.6x, gross margin of —, and ROIC of 21.8%. By comparison, LOB (Live Oak Bancshares Inc.) holds a D+ grade (54/100 RQD, P/E 15.3x, ROIC 8.5%, cap $1.62B) and CNOB (ConnectOne Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.65B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CASH?
▼

Per CASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000907471), Pathward Financial Inc. generated $839.9M in revenue (+5.3% YoY), $185.9M in net income, and $438.9M in free cash flow against $7.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $77.68 (+0.32%)🧬 Cannibal Buyback (-1.52% YoY Shares)⚙️ Cash Engine: 16/20 (B+) • 52.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw D+ · Rk D
Cash (16)Whales (6)SEC (13)Macro (6)CEO (13)
Each axis scored 0–20
12M PRICE TARGET CONE-1.8% Base Target
$106 Bull$76 Base$59 Bear
📬 FREE CASH RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASH)Realized 20D OHLCV Swing Band: ±5.2%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY CASH SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+16/20 pts (30% of score)

SEC XBRL FY 2025 (10-K): 52.3% FCF Margin ($438.9M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 6/9

▼ #1 Drag / Risk Factor: Macro Regime Fit6/20 pts (-14 pt drag)

Macro rate sensitivity & RSI-14 (56.6) create a -14 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$70.72+4.9% Next Q
Q2 (-2Q)
49
Grade D$74.20+2.4% Next Q
Q3 (-1Q)
51
Grade C-$76.00+1.9% Next Q
Current
54
Grade D+$77.43-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CASH Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CASH currently carries a cautious 54/100 (D+) rating due to Macro Regime Fit (6/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($76.10) and Max Pain ($81.30) forces dealer call-delta covering toward $106.32.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.52% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CASH• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CASH Beats Next Quarter EPS Consensus (Dec 29, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
56.630 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE33% OF RANGE
L: $66$77.43H: $101
1. Money & Cash Health● HEALTHY
Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: B+RQD 16 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: DRQD 19 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on CASH

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BULLISH (80)

21.8% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (42)

19/40 institutional & smart-money positioning score with 6/20 macro alignment.

Bull Case: Why Buyers Like CASH
  • ✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CASH)

  • ✓Walkthrough of CASH's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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CASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -9.80%⚡ TESTING RESISTANCE
2026-11-04O $75.31H $77.43L $75.31C $77.43VOL 168.8K
RES: $77.54SUP: $68.76SMA50: $76.10SMA200: $85.06
$95.61$88.67$81.73$74.79$67.85RES $77.54SUP $68.76$77.432026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CASH Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CASH Butterfly Map → + Track CASH →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-4.1%/yr Implied 5Y Growth

vs. +5.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CASH today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CASH. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CASH today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CASH)

Financials Rank #551 of 1097 ⚔️ LOB vs CASH Full Matrix →

1. Head-to-Head Financials Peer Comparison (CASH vs. LOB, CNOB, BFC, TFIN)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Pathward Financial Inc. (CASH) ranks #551 by composite RQD confidence (54/100, grade D+) and #469 by equity capitalization ($1.61B). Within this direct 5-issuer industry benchmark cohort, CASH leads on earnings valuation at 8.6x trailing P/E, while CASH leads on capital efficiency and profitability with 21.8% ROIC and — gross margin. CNOB currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with CASH at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CASH ACTIVE
Pathward Financial Inc.
D+ 54/100 8.6x — 21.8% +2.82% $1.61B Benchmark Subject
LOB
Live Oak Bancshares Inc.
D+ 54/100 15.3x — 8.5% +1.74% $1.62B /lob-vs-cash →
CNOB
ConnectOne Bancorp Inc.
C+ 66/100 22.0x — 5.1% +2.37% $1.65B /cnob-vs-cash →
BFC
Bank First Corporation
D+ 58/100 23.4x — 11.1% +1.29% $1.67B /bfc-vs-cash →
TFIN
Triumph Financial Inc.
D- 43/100 59.9x — 2.7% +2.96% $1.53B /tfin-vs-cash →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-09-30 • CIK 0000907471 ↗

In its most recent audited fiscal period (FY2025, filed 2025-09-30), Pathward Financial Inc. (CASH) reported GAAP revenue of $839.9M (+5.3% vs. FY2024 revenue of $797.4M , and +15.4% cumulative change since FY2023) , GAAP net income of $185.9M, operating cash flow of $450.6M, and free cash flow of $438.9M (-8.3% YoY). On the balance sheet, CASH closed FY2025 with $7.56B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-09-30 $839.9M $185.9M $450.6M $438.9M $7.56B —
FY2024 (FY) 2024-09-30 $797.4M $183.2M $488.8M $478.7M $7.60B —
FY2023 (FY) 2023-09-30 $727.7M $143.3M $327.9M $327.9M — —

3. CASH Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CASH stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Pathward Financial Inc. (NASDAQ: CASH) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $77.43 (+2.82% 1D, market cap $1.61B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 13/20. Across 1097 tracked Financials issuers, CASH ranks #551 in composite RQD confidence.

How does CASH compare to LOB and CNOB in the Financials sector?

Within the Financials sector (Major Banks), CASH carries a Roarable D+ (54/100 RQD), trailing P/E of 8.6x, gross margin of —, and ROIC of 21.8%. By comparison, LOB (Live Oak Bancshares Inc.) holds a D+ grade (54/100 RQD, P/E 15.3x, ROIC 8.5%, cap $1.62B) and CNOB (ConnectOne Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 22.0x, ROIC 5.1%, cap $1.65B). Among the 5-stock peer group, CASH leads on earnings multiple (8.6x) while CASH leads on capital efficiency (21.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CASH?

Per CASH's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-09-30, CIK 0000907471), Pathward Financial Inc. generated $839.9M in revenue (+5.3% YoY), $185.9M in net income, and $438.9M in free cash flow against $7.56B in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CASH trading relative to its 50-day, 200-day, and 52-week technical levels?

CASH last traded at $77.43 (+2.82% on volume of 168,775 shares), positioning the stock +1.75% above its 50-day simple moving average ($76.10) and -8.97% below its 200-day simple moving average ($85.06). Across its 52-week range of $65.87 to $101.26, CASH sits at the 32.7% percentile with a 14-day RSI of 56.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±5.2% ($73.40 to $81.46).

Direct Sub-Reports: CASH RQD Cockpit CASH 12M Forecast CASH Earnings & Move CASH Dividends & DRIP CASH Insiders & 13F CASH Whale Options CASH Profit Sankey CASH News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

CASH — Pathward Financial Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-09-30

1. Roarable Rating Brief: What This Means to a Prospective Investor

Pathward Financial Inc. (CASH) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $77.43 (+2.82% 1D, market capitalization $1.61B).

  • Fundamental Cash Engine (16/20): Anchored by return on invested capital (ROIC) of 21.8%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (13/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Pathward Financial Inc. (CASH) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $1.56B. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 21.8% (free cash flow yield of 0%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-09-30), Pathward Financial Inc. (CASH) reported $839.9M in annual revenue (up from $797.4M in FY2024, +5.3% YoY) and $185.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($727.7M revenue, $143.3M net income) through FY2025, CASH scaled operating cash flow to $450.6M and free cash flow to $438.9M, backed by $7.56B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Free cash flow yield of — and institutional whale pillar of 6/20. With Fundamental Cash Engine at 16/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $65.87 – $101.26 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh 8.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The only sector context supplied is the Financials / Major Banks classification and beta of 1.0.

  • Key Question #1: Can CASH sustain or expand its — operating margin and 21.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $839.9M and free cash flow of $438.9M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CASH's 8.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CASH Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Pathward Financial Inc. (CASH) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CASH Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CASH Bull vs. Bear Conversation Board — What's Your Call at $77.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CASH 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CASH:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER • Growth & Tech Investor 🐂 BULLISH 🎯 Target: $97.15 (+29.0%)
📌 Pinned Debate

Trailing P/E of 8.6 and ROIC of 21.8% suggest the business earns strong returns at a low earnings multiple.

The street is overcomplicating Pathward Financial Inc. (CASH). Trailing P/E of 8.6 and ROIC of 21.8% suggest the business earns strong returns at a low earnings multiple.. With an RQD score of 54/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $81.33.

RetailWhale_TX 🐂 BULL

Both sides have a point here — CASH's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $64.77 (-14.0%)
Spot @ $75.31

A 0% FCF yield and weak whale-flow and macro-fit pillars leave the cheap-earnings case without institutional or cash-yield support.

I respect the product at Pathward Financial Inc., but the stock at $75.31 is a different story. A 0% FCF yield and weak whale-flow and macro-fit pillars leave the cheap-earnings case without institutional or cash-yield support.. FCF yield is 0.0% and RQD sits at 54/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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