Stock Ratings / Financials / CASH / earnings

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Pathward Financial Inc. (CASH) Next Earnings Date & Expected ±5.3% Move

$76.67 +0.88% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Pathward Financial Inc. (CASH) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $1.59B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C+

2-of-3 JEV AI Jury Bullish

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 SNOWFLAKE RADARRw C+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASH)Realized 20D OHLCV Swing Band: ±5.3%

NEXT EST. WINDOW: Dec 29, 2026 (~57 DAYS)

Historical OHLCV Volatility ±5.3% Swing Band

±$4.06 Expected Swing

MODEL EARNINGS SETUP GAUGE

CASH Quantitative Pre-Earnings Setup: 69/100

Trailing EPS: $8.95 • YoY Revenue Growth: 5.3%

Model Bullish Setup (69/100)Model Risk Weight (31/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-09-30	$839.9M	$185.9M	$438.9M	52%
FY 2024	2024-09-30	$797.4M	$183.2M	$478.7M	52%
FY 2023	2023-09-30	$727.7M	$143.3M	$327.9M	52%

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Whale Flow & Momentum Playbook: Evaluating CASH & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CASH
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CASH // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -11.71%📐 HORIZONTAL RANGE

2026-10-30O $76.93H $77.85L $74.88C $76.67VOL 187.8K

RES: $102.2SUP: $69.01SMA50: $76.51SMA200: $85.05

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

-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 (#33)

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 #183 of 1096 ⚔️ LOB vs CASH Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Pathward Financial Inc. (CASH) ranks #183 by composite RQD confidence (69/100, grade C+) and #474 by equity capitalization ($1.59B). 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. LOB currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with CASH at 69/100 (C+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CASH ACTIVE Pathward Financial Inc.	C+	69/100	8.6x	—	21.8%	+0.88%	$1.59B	Benchmark Subject
LOB Live Oak Bancshares Inc.	B-	71/100	15.3x	—	8.5%	+1.18%	$1.62B	/lob-vs-cash →
AMAL Amalgamated Financial Corp.	B-	71/100	14.7x	—	13.1%	+0.37%	$1.53B	/amal-vs-cash →
BFC Bank First Corporation	D+	55/100	23.4x	—	11.1%	+1.85%	$1.67B	/bfc-vs-cash →
TFIN Triumph Financial Inc.	D	48/100	59.9x	—	2.7%	+0.84%	$1.52B	/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 2026-11-01, Pathward Financial Inc. (NASDAQ: CASH) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $76.67 (+0.88% 1D, market cap $1.59B). Pillar breakdown: Fundamental Cash Engine 16/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 13/20. Across 1096 tracked Financials issuers, CASH ranks #183 in composite RQD confidence.

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

Within the Financials sector (Major Banks), CASH carries a Roarable C+ (69/100 RQD), trailing P/E of 8.6x, gross margin of —, and ROIC of 21.8%. By comparison, LOB (Live Oak Bancshares Inc.) holds a B- grade (71/100 RQD, P/E 15.3x, ROIC 8.5%, cap $1.62B) and AMAL (Amalgamated Financial Corp.) posts a B- grade (71/100 RQD, P/E 14.7x, ROIC 13.1%, cap $1.53B). 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: Broader market pullbacks can still drag down strong stocks in the short run.. 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 $76.67 (+0.88% on volume of 133,524 shares), positioning the stock +0.21% above its 50-day simple moving average ($76.51) and -9.85% below its 200-day simple moving average ($85.05). Across its 52-week range of $65.87 to $101.26, CASH sits at the 30.5% percentile with a 14-day RSI of 50.3 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($72.61 to $80.73).

CASH Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CASH's next earnings date?

Based on SEC filing cadence, Pathward Financial Inc. (CASH)'s next quarterly reporting window is estimated around Dec 29, 2026.

How much is CASH stock expected to move on earnings?

Volatility modeling currently projects a ±5.3% event move for CASH, spanning a range between $72.61 and $80.73.

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