Pathward Financial [CASH] vs U.S. Bancorp [USB] Detailed Stock Comparison

Pathward Financial Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Pathward Financial Inc. wins in 10 metrics, U.S. Bancorp wins in 9 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Pathward Financial Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.91 11.92 Pathward Financial Inc.
Price-to-Book Ratio 2.54 1.51 U.S. Bancorp
Debt-to-Equity Ratio 0.07 1.21 Pathward Financial Inc.
PEG Ratio 0.55 0.82 Pathward Financial Inc.
Profit Margin (TTM) 24.31% 29.29% U.S. Bancorp
Operating Margin (TTM) 25.54% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 25.54% 37.84% U.S. Bancorp
Return on Equity 23.57% 12.35% Pathward Financial Inc.
Return on Assets (TTM) 2.53% 1.14% Pathward Financial Inc.
Free Cash Flow (TTM) $236.59M $7.97B U.S. Bancorp
Dividend Yield 0.28% 3.82% U.S. Bancorp
1-Year Return 13.18% 37.10% U.S. Bancorp
Price-to-Sales Ratio (TTM) 2.78 3.32 Pathward Financial Inc.
Enterprise Value $1.85B $126.46B U.S. Bancorp
EV/Revenue Ratio 2.36 4.75 Pathward Financial Inc.
Revenue per Share (TTM) $34 $17 Pathward Financial Inc.
Earnings per Share (Diluted) $8.21 $4.77 Pathward Financial Inc.
Beta (Stock Volatility) 0.74 1.03 Pathward Financial Inc.
Short % of Float 10.89% 0.00% U.S. Bancorp

Pathward Financial Inc. vs U.S. Bancorp Stock Performance Analysis

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CASH
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%
U.S. Bancorp-1.95%4.41%8.79%12.96%7.60%7.16%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%
U.S. Bancorp37.10%76.20%7.67%43.37%140.67%88.43%

Performance & Financial Health Analysis: Pathward Financial Inc. vs U.S. Bancorp

MetricCASHUSB
Market Information
Market Cap i$1.96B$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i175,8529,829,002
90 Day Avg. Volume i230,39710,401,007
Last Close$82.03$57.79
52 Week Range$65.87 - $101.26$42.55 - $61.19
% from 52W High-18.99%-5.56%
All-Time High$101.26 (Apr 17, 2026)$63.57 (Jan 10, 2022)
% from All-Time High-18.99%-9.09%
Growth Metrics
Quarterly Revenue Growth0.04%0.05%
Quarterly Earnings Growth0.17%0.14%
Financial Health
Profit Margin (TTM) i0.24%0.29%
Operating Margin (TTM) i0.26%0.38%
Return on Equity (TTM) i0.24%0.12%
Debt to Equity (MRQ) i0.071.21
Cash & Liquidity
Book Value per Share (MRQ)$38.55$37.54
Cash per Share (MRQ)$15.22$31.14
Operating Cash Flow (TTM) i$630.66M$6.04B
Levered Free Cash Flow (TTM) i$185.18M$7.19B
Dividends
Last 12-Month Dividend Yield i0.28%3.82%
Last 12-Month Dividend i$0.25$2.04

Valuation & Enterprise Metrics Analysis: Pathward Financial Inc. vs U.S. Bancorp

MetricCASH (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.9111.92
Forward P/E i10.2110.09
PEG Ratio i0.550.82
Price to Sales (TTM) i2.783.32
Price to Book (MRQ) i2.541.51
Market Capitalization
Market Capitalization i$1.96B$88.06B
Enterprise Value i$1.85B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.364.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.741.03
Book Value per Share (MRQ) i$38.55$37.54

Financial Statements Comparison: Pathward Financial Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCASH (2025)USB (2025)
Revenue/Sales i673.63M28.54B
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 i223.05M9.52B
Pre-Tax Income % of Revenue i33.1%33.3%
Income Tax i36.27M1.92B
Income Tax % of Revenue i5.4%6.7%
Net Income (Profit) i186.79M7.60B
Profit Margin i27.7%26.6%

Balance Sheet & Liquidity Metrics

MetricCASH (2025)USB (2025)
Cash & Equivalents i120.57M46.89B
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 i33.46M60.76B
Long-Term Debt % of Revenue i5.0%212.9%
Total Shareholders Equity i857.45M65.65B
Retained Earnings i359.83M80.91B
Retained Earnings % of Revenue i53.4%283.5%
Property, Plant & Equipment i279.25M1.51B

Cash Flow Statement Comparison

MetricCASH (2025)USB (2025)
Operating Cash Flow i453.09M6.04B
Operating Cash Flow % of Revenue i67.3%21.2%
Capital Expenditures i-185.72MN/A
Free Cash Flow i236.59M7.97B
FCF Margin i35.1%27.9%
Debt Repayment iN/A-9.05B
Common Stock Repurchase i-163.05M-489.00M

Short Interest & Institutional Ownership Analysis

MetricCASHUSB
Shares Short i1.97M27,002
Short Ratio i8.160.00
Short % of Float i10.89%0.00%
Shares Outstanding i22.17M1.56B
Float Shares i21.45M1.55B
% Held by Insiders i1.42%0.14%
% Held by Institutions i95.01%83.55%
% Held by Public i3.57%16.31%

Dividend Analysis & Yield Comparison: Pathward Financial Inc. vs U.S. Bancorp

MetricCASHUSB
Last 12-Month Dividend i$0.25$2.04
Last 12-Month Dividend Yield i0.28%3.82%
3-Year Avg Annual Dividend i$0.22$1.98
3-Year Avg Dividend Yield i0.08%1.19%
3-Year Total Dividends i$0.65$5.95
Ex-Dividend DateMar 12, 2026Dec 31, 2025