Pathward Financial [CASH] vs National Bank [NBHC] Detailed Stock Comparison

Pathward Financial Inc.

NASDAQ
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National Bank Holdings Corporation

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pathward Financial Inc. wins in 14 metrics, National Bank Holdings Corporation wins in 5 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pathward Financial Inc. National Bank Holdings Corporation Better
P/E Ratio (TTM) 11.91 15.73 Pathward Financial Inc.
Price-to-Book Ratio 2.54 1.15 National Bank Holdings Corporation
Debt-to-Equity Ratio 0.07 0.08 Pathward Financial Inc.
PEG Ratio 0.55 -0.37 Pathward Financial Inc.
Profit Margin (TTM) 24.31% 27.51% National Bank Holdings Corporation
Operating Margin (TTM) 25.54% 24.07% Pathward Financial Inc.
EBITDA Margin (TTM) 25.54% 24.07% Pathward Financial Inc.
Return on Equity 23.57% 8.15% Pathward Financial Inc.
Return on Assets (TTM) 2.53% 1.11% Pathward Financial Inc.
Free Cash Flow (TTM) $236.59M $132.50M Pathward Financial Inc.
Dividend Yield 0.28% 3.08% National Bank Holdings Corporation
1-Year Return 13.18% 21.26% National Bank Holdings Corporation
Price-to-Sales Ratio (TTM) 2.78 4.77 Pathward Financial Inc.
Enterprise Value $1.85B $1.56B Pathward Financial Inc.
EV/Revenue Ratio 2.36 3.92 Pathward Financial Inc.
Revenue per Share (TTM) $34 $10 Pathward Financial Inc.
Earnings per Share (Diluted) $8.21 $2.68 Pathward Financial Inc.
Beta (Stock Volatility) 0.74 0.77 Pathward Financial Inc.
Short % of Float 10.89% 5.73% National Bank Holdings Corporation

Pathward Financial Inc. vs National Bank Holdings Corporation Stock Performance Analysis

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CASH
NBHC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%
National Bank Holdings Corporation-1.87%2.21%5.17%9.99%7.17%13.25%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%
National Bank Holdings Corporation21.26%37.98%19.70%118.59%122.60%122.60%

Performance & Financial Health Analysis: Pathward Financial Inc. vs National Bank Holdings Corporation

MetricCASHNBHC
Market Information
Market Cap i$1.96B$1.93B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i175,852374,284
90 Day Avg. Volume i230,397597,788
Last Close$82.03$42.92
52 Week Range$65.87 - $101.26$35.06 - $44.12
% from 52W High-18.99%-2.72%
All-Time High$101.26 (Apr 17, 2026)$51.76 (Nov 04, 2024)
% from All-Time High-18.99%-17.08%
Growth Metrics
Quarterly Revenue Growth0.04%-0.08%
Quarterly Earnings Growth0.17%-0.43%
Financial Health
Profit Margin (TTM) i0.24%0.28%
Operating Margin (TTM) i0.26%0.24%
Return on Equity (TTM) i0.24%0.08%
Debt to Equity (MRQ) i0.070.08
Cash & Liquidity
Book Value per Share (MRQ)$38.55$36.67
Cash per Share (MRQ)$15.22$9.92
Operating Cash Flow (TTM) i$630.66M$162.42M
Levered Free Cash Flow (TTM) i$185.18M$108.69M
Dividends
Last 12-Month Dividend Yield i0.28%3.08%
Last 12-Month Dividend i$0.25$1.23

Valuation & Enterprise Metrics Analysis: Pathward Financial Inc. vs National Bank Holdings Corporation

MetricCASH (Apr 24, 2026)NBHC (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.9115.73
Forward P/E i10.2110.50
PEG Ratio i0.55-0.37
Price to Sales (TTM) i2.784.77
Price to Book (MRQ) i2.541.15
Market Capitalization
Market Capitalization i$1.96B$1.93B
Enterprise Value i$1.85B$1.56B
Enterprise Value Metrics
Enterprise to Revenue i2.363.92
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.740.77
Book Value per Share (MRQ) i$38.55$36.67

Financial Statements Comparison: Pathward Financial Inc. vs National Bank Holdings Corporation

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCASH (2025)NBHC (2025)
Revenue/Sales i673.63M411.58M
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i223.05M133.63M
Pre-Tax Income % of Revenue i33.1%32.5%
Income Tax i36.27M24.06M
Income Tax % of Revenue i5.4%5.8%
Net Income (Profit) i186.79M109.57M
Profit Margin i27.7%26.6%

Balance Sheet & Liquidity Metrics

MetricCASH (2025)NBHC (2025)
Cash & Equivalents i120.57M417.06M
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i33.46M54.54M
Long-Term Debt % of Revenue i5.0%13.3%
Total Shareholders Equity i857.45M1.39B
Retained Earnings i359.83M572.46M
Retained Earnings % of Revenue i53.4%139.1%
Property, Plant & Equipment i279.25MN/A

Cash Flow Statement Comparison

MetricCASH (2025)NBHC (2025)
Operating Cash Flow i453.09M132.69M
Operating Cash Flow % of Revenue i67.3%32.2%
Capital Expenditures i-185.72M-29.92M
Free Cash Flow i236.59M132.50M
FCF Margin i35.1%32.2%
Debt Repayment iN/A-50.00M
Common Stock Repurchase i-163.05M-15.17M

Short Interest & Institutional Ownership Analysis

MetricCASHNBHC
Shares Short i1.97M2.10M
Short Ratio i8.162.80
Short % of Float i10.89%5.73%
Shares Outstanding i22.17M37.77M
Float Shares i21.45M42.94M
% Held by Insiders i1.42%5.65%
% Held by Institutions i95.01%86.02%
% Held by Public i3.57%8.33%

Dividend Analysis & Yield Comparison: Pathward Financial Inc. vs National Bank Holdings Corporation

MetricCASHNBHC
Last 12-Month Dividend i$0.25$1.23
Last 12-Month Dividend Yield i0.28%3.08%
3-Year Avg Annual Dividend i$0.22$1.14
3-Year Avg Dividend Yield i0.08%0.77%
3-Year Total Dividends i$0.65$3.43
Ex-Dividend DateMar 12, 2026Feb 27, 2026