CASH
Pathward Financial, Inc. Common Stock
NATIONAL COMMERCIAL BANKS
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Pathward Financial (CASH) Stock: Buy, Sell, or Hold?
$75.02
-0.13 (-0.17%)
âŧ
5d:
-2.11%
30d:
+6.08%
90d:
-13.44%
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70/30 Portfolio Builder
Earnings: Oct 21, 2026
0d
Protect CASH Gains
Updated Nov 12, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (78%)
Quality Score
39/100
Position
FAIR
30-Day Fair Range
$72.42 â $77.05
Position: FAIR
Forward P/E & Valuation
7.8x
CHEAP
vs 8.7x historical avg
Wall Street Target
$97.50
+30.0% upside
Options IV & Volume
10th pct IV
HIGH volume confirmation
Support / Resistance
$74.14 / $81.22
Trend: Strong Downtrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: CASH is fairly priced but lacks strong directional signals. At -3.8% expected growth, valuation appears cheap. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$154.99
Based on 13.3% avg growth
INTRINSIC VALUE TODAY
$96.24
22.0% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CASH is currently trading at $75.02, which is considered fair relative to its 30-day fair value range of $72.42 to $77.05. From a valuation perspective, the stock is trading at a discount (Forward PE: 7.8) compared to its historical average (8.7). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% over the next few years. This pessimistic expectation contrasts with the company's recent 9.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CASH is in a strong downtrend. The price is currently testing key support at $74.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (10th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $97.50 (+30.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CASH is in a strong downtrend. The price is currently testing key support at $74.14. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 46/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. In the options market, Implied Volatility is low (10th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $97.50 (+30.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$72.42 -
$77.05
Company Quality Score
39/100
(SELL)
Options IV Signal
10th percentile
(COMPLACENCY WARNING)
Volume Confirmation
HIGH
Confidence Score
77.7%
Trading Range & Key Levels
30-Day Trading Range
$72.42 -
$77.05
Current vs Trading Range
FAIR
Expected Move (7 Days)
Âą$3.27
(4.4%)
Support Level
$74.14
Resistance Level
$81.22
Current Trend
Strong Downtrend
Technical data as of
Nov 12, 2026
Protect Your Profits
Holding CASH? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BULLISH: Options cheap (IV 10th percentile)
- NEUTRAL: Mixed technical signals (46/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 30.0% below Wall St target ($97.50)
- WARNING: Composite score 39/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
7.78
Wall Street Target
$97.50
(+30.0%)
Revenue Growth (YoY)
-9.1%
Earnings Growth (YoY)
9.3%
Profit Margin
23.9%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
7.8 vs 8.7
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$72.17
(-4%)
2-Year Target
$69.43
(-8%)
3-Year Target
$66.79
(-11%)
3-Yr Target (if PE normalizes)
(PE: 8â9)
$74.69
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 22.5%)
$351.89
(+369%)
Base:
(SPY PE: 7.8, Growth: 22.5%)
$137.84
(+84%)
Bear:
(PE: 6.6, Growth: 22.5%)
$117.17
(+56%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 9.23 | Current EPS (TTM): $8.14
Bull Case
$97.89
(+30%)
Analyst growth 18.5%, PE expands to 10.2
Base Case
$88.99
(+18%)
Market implied 18.5%, PE stable at 9.2
Bear Case
$51.08
(-32%)
Severe decline -20.0%, PE contracts to 7.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 7.8 to 8.7
Stabilization Target:
$83.90
(+11.8%)
PE Expansion Potential:
+11.8%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CASH)
Bearish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 4, 2026
Daily AI digest
AI Retail Discussion Summary:
Bearish sentiment prevails on StockTwits regarding $CASH, with one user suggesting that sheep in the stock are breaking down.
Key Retail Themes:
bearish sentiment
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 4:41 PM ET
Data refreshes hourly during market hours. Next update: 5:41 PM
Data refreshes hourly during market hours. Next update: 5:41 PM
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Insider Activity (6 Months)
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