Pathward Financial [CASH] vs U.S. Bancorp [USB] Detailed Stock Comparison
Pathward Financial
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: Pathward Financial wins in 11 metrics, U.S. Bancorp wins in 7 metrics, with 0 ties. Pathward Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Pathward Financial | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.76 | 10.63 | Pathward Financial |
| Price-to-Book Ratio | 2.07 | 1.27 | U.S. Bancorp |
| Debt-to-Equity Ratio | 0.19 | 1.31 | Pathward Financial |
| PEG Ratio | 8.89 | 10.26 | Pathward Financial |
| Profit Margin (TTM) | 22.72% | 27.00% | U.S. Bancorp |
| Operating Margin (TTM) | 26.29% | 37.33% | U.S. Bancorp |
| EBITDA Margin (TTM) | 26.29% | 37.33% | U.S. Bancorp |
| Return on Equity | 21.21% | 11.67% | Pathward Financial |
| Return on Assets (TTM) | 2.28% | 1.01% | Pathward Financial |
| Free Cash Flow (TTM) | $176.78M | $11.27B | U.S. Bancorp |
| Dividend Yield | 0.27% | 4.60% | U.S. Bancorp |
| 1-Year Return | 16.57% | 5.63% | Pathward Financial |
| Price-to-Sales Ratio (TTM) | 2.31 | 2.71 | Pathward Financial |
| Enterprise Value | $1.58B | $97.72B | U.S. Bancorp |
| EV/Revenue Ratio | 2.16 | 3.82 | Pathward Financial |
| Revenue per Share (TTM) | $31 | $16 | Pathward Financial |
| Earnings per Share (Diluted) | $7.56 | $4.18 | Pathward Financial |
| Beta (Stock Volatility) | 0.63 | 1.03 | Pathward Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Pathward Financial vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Pathward Financial | 2.06% | -4.38% | -12.79% | -11.80% | -9.12% | -0.26% |
| U.S. Bancorp | 1.75% | -1.94% | -7.72% | 6.76% | -6.65% | -7.88% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Pathward Financial | 16.57% | 98.68% | 256.26% | 347.80% | 528.87% | 1,109.36% |
| U.S. Bancorp | 5.63% | -8.88% | 17.63% | -2.54% | 100.00% | 47.05% |
Performance & Financial Health Analysis: Pathward Financial vs U.S. Bancorp
| Metric | CASH | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.69B | $69.21B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 235,170 | 9,385,160 |
| 90 Day Avg. Volume | 214,307 | 12,219,927 |
| Last Close | $73.81 | $44.86 |
| 52 Week Range | $60.49 - $86.00 | $35.18 - $53.98 |
| % from 52W High | -14.17% | -16.90% |
| All-Time High | $86.00 (Nov 25, 2024) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -14.17% | -29.43% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.09% | 0.03% |
| Quarterly Earnings Growth | 0.01% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.27% |
| Operating Margin (TTM) | 0.26% | 0.37% |
| Return on Equity (TTM) | 0.21% | 0.12% |
| Debt to Equity (MRQ) | 0.19 | 1.31 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $35.67 | $35.06 |
| Cash per Share (MRQ) | $11.26 | $37.10 |
| Operating Cash Flow (TTM) | $227.32M | $9.10B |
| Levered Free Cash Flow (TTM) | $166.82M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.27% | 4.60% |
| Last 12-Month Dividend | $0.20 | $1.99 |
Valuation & Enterprise Metrics Analysis: Pathward Financial vs U.S. Bancorp
| Metric | CASH | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.76 | 10.63 |
| Forward P/E | 8.89 | 10.26 |
| PEG Ratio | 8.89 | 10.26 |
| Price to Sales (TTM) | 2.31 | 2.71 |
| Price to Book (MRQ) | 2.07 | 1.27 |
| Market Capitalization | ||
| Market Capitalization | $1.69B | $69.21B |
| Enterprise Value | $1.58B | $97.72B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 2.16 | 3.82 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.63 | 1.03 |
| Book Value per Share (MRQ) | $35.67 | $35.06 |
Financial Statements Comparison: Pathward Financial vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | CASH | USB |
|---|---|---|
| Revenue/Sales | $123.65M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $37.92M | $2.16B |
| Income Tax | $6.29M | $443.00M |
| Net Income (Profit) | $31.63M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | CASH | USB |
|---|---|---|
| Cash & Equivalents | $597.40M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $33.38M | $59.86B |
| Total Shareholders Equity | $776.43M | $60.56B |
| Retained Earnings | $332.32M | $77.69B |
| Property, Plant & Equipment | $355.22M | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | CASH | USB |
|---|---|---|
| Operating Cash Flow | $-218.60M | $-750.00M |
| Capital Expenditures | $-49.17M | N/A |
| Free Cash Flow | $-131.49M | $-285.00M |
| Debt Repayment | N/A | $-2.10B |
| Common Stock Repurchase | $-57.01M | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | CASH | USB |
|---|---|---|
| Shares Short | 1.39M | 20.29M |
| Short Ratio | 6.42 | 1.56 |
| Short % of Float | 0.07% | 0.01% |
| Average Daily Volume (10 Day) | 235,170 | 9,385,160 |
| Average Daily Volume (90 Day) | 214,307 | 12,219,927 |
| Shares Outstanding | 24.85M | 1.56B |
| Float Shares | 22.64M | 1.55B |
| % Held by Insiders | 0.01% | 0.00% |
| % Held by Institutions | 0.97% | 0.81% |
Dividend Analysis & Yield Comparison: Pathward Financial vs U.S. Bancorp
| Metric | CASH | USB |
|---|---|---|
| Last 12-Month Dividend | $0.20 | $1.99 |
| Last 12-Month Dividend Yield | 0.27% | 4.60% |
| 3-Year Avg Annual Dividend | $0.20 | $1.78 |
| 3-Year Avg Dividend Yield | 0.10% | 1.19% |
| 3-Year Total Dividends | $0.60 | $5.35 |
| Ex-Dividend Date | Jun 13, 2025 | Mar 31, 2025 |