Sandy Spring [SASR] vs Pathward Financial [CASH] Detailed Stock Comparison

Sandy Spring Bancorp, Inc.

NASDAQ
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Sandy Spring Bancorp, Inc. wins in 5 metrics, Pathward Financial Inc. wins in 12 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Sandy Spring Bancorp, Inc. Pathward Financial Inc. Better
P/E Ratio (TTM) 63.52 11.91 Pathward Financial Inc.
Price-to-Book Ratio 0.81 2.54 Sandy Spring Bancorp, Inc.
Debt-to-Equity Ratio 0.48 0.07 Pathward Financial Inc.
PEG Ratio 10.96 0.55 Pathward Financial Inc.
Profit Margin (TTM) 5.08% 24.31% Pathward Financial Inc.
Operating Margin (TTM) 31.90% 25.54% Sandy Spring Bancorp, Inc.
EBITDA Margin (TTM) 31.90% 25.54% Sandy Spring Bancorp, Inc.
Return on Equity 1.27% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 0.14% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $67.56M $236.59M Pathward Financial Inc.
Dividend Yield N/A 0.28% N/A
1-Year Return 31.92% 5.37% Sandy Spring Bancorp, Inc.
Price-to-Sales Ratio (TTM) 3.22 2.78 Pathward Financial Inc.
Enterprise Value $1.97B $1.85B Sandy Spring Bancorp, Inc.
EV/Revenue Ratio 5.01 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $9 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $0.44 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.94 0.74 Pathward Financial Inc.
Short % of Float N/A 10.89% N/A

Sandy Spring Bancorp, Inc. vs Pathward Financial Inc. Stock Performance Analysis

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SASR
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sandy Spring Bancorp, Inc.1.38%N/AN/AN/AN/AN/A
Pathward Financial Inc.-4.51%-2.96%-5.03%-11.42%12.71%13.27%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sandy Spring Bancorp, Inc.31.92%-34.33%15.33%8.24%68.35%-11.26%
Pathward Financial Inc.5.37%69.22%54.50%384.62%1,296.26%996.53%

Performance & Financial Health Analysis: Sandy Spring Bancorp, Inc. vs Pathward Financial Inc.

MetricSASRCASH
Market Information
Market Cap i$1.26B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i442,267175,852
90 Day Avg. Volume i311,866230,397
Last Close$27.98$77.74
52 Week Range$19.52 - $39.55$65.87 - $101.26
% from 52W High-29.25%-23.23%
All-Time High$52.04 (Jan 10, 2022)$101.26 (Apr 17, 2026)
% from All-Time High-46.23%-23.23%
Growth Metrics
Quarterly Revenue Growth0.02%0.04%
Quarterly Earnings Growth0.10%0.17%
Financial Health
Profit Margin (TTM) i0.05%0.24%
Operating Margin (TTM) i0.32%0.26%
Return on Equity (TTM) i0.01%0.24%
Debt to Equity (MRQ) i0.480.07
Cash & Liquidity
Book Value per Share (MRQ)$34.52$38.55
Cash per Share (MRQ)$1.02$15.22
Operating Cash Flow (TTM) i$83.71M$630.66M
Levered Free Cash Flow (TTM) i$19.90M$185.18M
Dividends
Last 12-Month Dividend Yield iN/A0.28%
Last 12-Month Dividend iN/A$0.25

Valuation & Enterprise Metrics Analysis: Sandy Spring Bancorp, Inc. vs Pathward Financial Inc.

MetricSASR (May 17, 2025)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i63.5211.91
Forward P/E i10.9610.21
PEG Ratio i10.960.55
Price to Sales (TTM) i3.222.78
Price to Book (MRQ) i0.812.54
Market Capitalization
Market Capitalization i$1.26B$1.96B
Enterprise Value i$1.97B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i5.012.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.940.74
Book Value per Share (MRQ) i$34.52$38.55

Financial Statements Comparison: Sandy Spring Bancorp, Inc. vs Pathward Financial Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricSASR (2024)CASH (2025)
Revenue/Sales i404.22M673.63M
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 i48.96M223.05M
Pre-Tax Income % of Revenue i12.1%33.1%
Income Tax i29.03M36.27M
Income Tax % of Revenue i7.2%5.4%
Net Income (Profit) i19.94M186.79M
Profit Margin i4.9%27.7%

Balance Sheet & Liquidity Metrics

MetricSASR (2024)CASH (2025)
Cash & Equivalents i518.96M120.57M
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 i621.40M33.46M
Long-Term Debt % of Revenue i153.7%5.0%
Total Shareholders Equity i1.56B857.45M
Retained Earnings i856.61M359.83M
Retained Earnings % of Revenue i211.9%53.4%
Property, Plant & Equipment i50.01M279.25M

Cash Flow Statement Comparison

MetricSASR (2024)CASH (2025)
Operating Cash Flow i38.83M453.09M
Operating Cash Flow % of Revenue i9.6%67.3%
Capital Expenditures iN/A-185.72M
Free Cash Flow i67.56M236.59M
FCF Margin i16.7%35.1%
Debt Repayment i-300.00MN/A
Common Stock Repurchase i-3.51M-163.05M

Short Interest & Institutional Ownership Analysis

MetricSASRCASH
Shares Short iN/A1.97M
Short Ratio iN/A8.16
Short % of Float iN/A10.89%
Shares Outstanding i45.14M22.17M
Float Shares i43.46M21.45M
% Held by Insiders i3.47%1.42%
% Held by Institutions i73.14%95.01%
% Held by Public i23.39%3.57%

Dividend Analysis & Yield Comparison: Sandy Spring Bancorp, Inc. vs Pathward Financial Inc.

MetricSASRCASH
Last 12-Month Dividend iN/A$0.25
Last 12-Month Dividend Yield iN/A0.28%
3-Year Avg Annual Dividend iN/A$0.22
3-Year Avg Dividend Yield iN/A0.08%
3-Year Total Dividends iN/A$0.65
Ex-Dividend DateN/AMar 12, 2026