Definitive Analysis
Definitive Analysis

Financial Statements

Fundamentals

Valuations

Miscellaneous

Analysis Mode

Search

Pathward Financial, Inc. (CASH)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$83.64 - $133.40$106.23
Multi-Stage$102.55 - $112.55$107.45
Blended Fair Value$106.84
Current Price$74.01
Upside44.36%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2025202420232022202120202019201820172016
DPS-7.97%2.98%0.200.220.230.250.270.300.330.240.210.19
YoY Growth---7.52%-6.62%-8.36%-7.48%-9.86%-8.51%35.29%18.54%10.25%25.65%
Dividend Yield--0.27%0.29%0.44%0.59%0.46%0.83%0.90%1.26%0.67%0.54%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)185.87
(-) Cash Dividends Paid (M)4.69
(=) Cash Retained (M)181.19
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)37.1723.2313.94
Cash Retained (M)181.19181.19181.19
(-) Cash Required (M)-37.17-23.23-13.94
(=) Excess Retained (M)144.01157.95167.25
(/) Shares Outstanding (M)23.5123.5123.51
(=) Excess Retained per Share6.136.727.11
LTM Dividend per Share0.200.200.20
(+) Excess Retained per Share6.136.727.11
(=) Adjusted Dividend6.336.927.31
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.43%2.43%3.43%
Fair Value$83.64$106.23$133.40
Upside / Downside13.01%43.54%80.25%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)185.87190.38195.01199.74204.59209.56215.84
Payout Ratio2.52%20.02%37.51%55.01%72.50%90.00%92.50%
Projected Dividends (M)4.6938.1173.15109.87148.34188.60199.66

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate9.10%9.10%9.10%
Growth Rate1.43%2.43%3.43%
Year 1 PV (M)34.5934.9335.27
Year 2 PV (M)60.2761.4662.67
Year 3 PV (M)82.1684.6187.12
Year 4 PV (M)100.68104.71108.86
Year 5 PV (M)116.19122.03128.10
PV of Terminal Value (M)2,017.002,118.422,223.86
Equity Value (M)2,410.892,526.162,645.88
Shares Outstanding (M)23.5123.5123.51
Fair Value$102.55$107.45$112.55
Upside / Downside38.56%45.19%52.07%

High-Yield Dividend Screener

« Prev Page 16 of 30 Next »
Ticker Company Dividend Yield % Dividend Per Share Payout Ratio %
HWBKHawthorn Bancshares, Inc.2.27%$0.7724.18%
UTMDUtah Medical Products, Inc.2.27%$1.2835.35%
DKSDICK'S Sporting Goods, Inc.2.26%$4.5238.61%
EMLThe Eastern Company2.26%$0.4437.05%
SBCFSeacoast Banking Corporation of Florida2.26%$0.7143.09%
WMKWeis Markets, Inc.2.26%$1.4535.88%
0JYA.LMarathon Petroleum Corporation2.25%$3.7274.60%
FSBCFive Star Bancorp2.25%$0.8029.79%
IBMInternational Business Machines Corporation2.25%$6.5678.75%
0KYZ.LSBA Communications Corporation2.24%$4.3254.40%
BPOPPopular, Inc.2.24%$2.8224.06%
MFINMedallion Financial Corp.2.24%$0.2312.50%
MSMorgan Stanley2.24%$4.0740.12%
FXNCFirst National Corporation2.23%$0.5586.28%
BACBank of America Corporation2.22%$1.2431.97%
SSBSouthState Corporation2.22%$2.0930.58%
VLGEAVillage Super Market, Inc.2.22%$0.7720.42%
WWWWolverine World Wide, Inc.2.22%$0.4137.79%
CCBGCapital City Bank Group, Inc.2.21%$0.9326.22%
CGThe Carlyle Group Inc.2.20%$1.3476.25%
NHINational Health Investors, Inc.2.20%$1.6954.58%
VNOVornado Realty Trust2.20%$0.7315.58%
BANCBanc of California, Inc.2.19%$0.4332.44%
EBTCEnterprise Bancorp, Inc.2.19%$0.8726.66%
RHPRyman Hospitality Properties, Inc.2.19%$2.0957.31%
CDPCOPT Defense Properties2.18%$0.6045.15%
FDSFactSet Research Systems Inc.2.18%$6.2039.64%
ISBAIsabella Bank Corporation2.18%$1.1044.52%
WHWyndham Hotels & Resorts, Inc.2.18%$1.6437.28%
EFSCEnterprise Financial Services Corp2.17%$1.1722.34%
ETHGrayscale Ethereum Mini Trust2.17%$0.6434.57%
SEMSelect Medical Holdings Corporation2.17%$0.3236.19%
BFSTBusiness First Bancshares, Inc.2.16%$0.5620.21%
CWBCCommunity West Bancshares2.16%$0.4826.89%
EHTHeHealth, Inc.2.16%$0.095.60%
TPLTexas Pacific Land Corporation2.16%$6.4231.02%
CBSHCommerce Bancshares, Inc.2.15%$1.1226.40%
COLMColumbia Sportswear Company2.15%$1.2035.55%
HTHHilltop Holdings Inc.2.15%$0.7328.46%
NATHNathan's Famous, Inc.2.15%$1.9835.76%
RCKYRocky Brands, Inc.2.15%$0.6222.50%
BDXBecton, Dickinson and Company2.14%$4.1771.28%
CICigna Corporation2.14%$5.9626.01%
FBIZFirst Business Financial Services, Inc.2.14%$1.1518.19%
JBSSJohn B. Sanfilippo & Son, Inc.2.14%$1.4926.50%
JNPRJuniper Networks, Inc.2.14%$0.8682.37%
POOLPool Corporation2.14%$4.9244.68%
CSCOCisco Systems, Inc.2.13%$1.6262.56%
CSTRCapStar Financial Holdings, Inc.2.13%$0.4330.48%
HTLFHeartland Financial USA, Inc.2.13%$1.3869.73%