
CASH Stock Forecast & Price Target
CASH Analyst Ratings
Bulls say
Pathward Financial Inc. has demonstrated a positive financial trajectory, indicated by a slight increase in 2025 earnings guidance and a strong performance in key revenue-generating segments. The company's fee income grew by 9% quarter-over-quarter, with card fees increasing by 10%, showcasing robust demand for its banking-as-a-service and payment solutions. Furthermore, the adjusted net interest margin expanded by 26 basis points to 5.41%, primarily driven by new production in the commercial finance business, reflecting the company's ability to enhance profitability despite a transition period due to the pending sale of its insurance premium finance business.
Bears say
Pathward Financial Inc. faces a challenging outlook primarily due to a significant decline in fee income stemming from reduced off-balance-sheet deposits, which experienced lower-than-expected averages of $388 million, reflective of the company's overall performance issues. Additionally, while non-performing asset (NPA) balances decreased slightly, the overall reserve/loan ratio fell from 1.11% to 1.07%, indicating potential vulnerabilities in the commercial finance sector, especially amidst outsized loan growth and tightening credit conditions. The company is further exposed to risks such as disruptions in its tax business, regulatory challenges in the prepaid industry, and underlying credit issues, which could adversely impact its financial stability and stock valuation.
This aggregate rating is based on analysts' research of Meta Financial Group and is not a guaranteed prediction by Public.com or investment advice.
CASH Analyst Forecast & Price Prediction
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