HomeTrust [HTB] vs Pathward Financial [CASH] Detailed Stock Comparison

HomeTrust Bancshares, Inc.

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: HomeTrust Bancshares, Inc. wins in 7 metrics, Pathward Financial Inc. wins in 12 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric HomeTrust Bancshares, Inc. Pathward Financial Inc. Better
P/E Ratio (TTM) 12.44 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.32 2.54 HomeTrust Bancshares, Inc.
Debt-to-Equity Ratio 0.31 0.07 Pathward Financial Inc.
PEG Ratio 0.56 0.55 Pathward Financial Inc.
Profit Margin (TTM) 31.24% 24.31% HomeTrust Bancshares, Inc.
Operating Margin (TTM) 40.12% 25.54% HomeTrust Bancshares, Inc.
EBITDA Margin (TTM) 40.12% 25.54% HomeTrust Bancshares, Inc.
Return on Equity 11.17% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 1.41% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $42.77M $236.59M Pathward Financial Inc.
Dividend Yield 1.14% 0.28% HomeTrust Bancshares, Inc.
1-Year Return 35.66% 13.18% HomeTrust Bancshares, Inc.
Price-to-Sales Ratio (TTM) 3.78 2.78 Pathward Financial Inc.
Enterprise Value $588.88M $1.85B Pathward Financial Inc.
EV/Revenue Ratio 2.86 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $12 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $3.72 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.86 0.74 Pathward Financial Inc.
Short % of Float 2.03% 10.89% HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc. vs Pathward Financial Inc. Stock Performance Analysis

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HTB
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HomeTrust Bancshares, Inc.-0.31%1.36%5.47%13.22%4.67%11.58%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HomeTrust Bancshares, Inc.35.66%31.14%31.14%31.14%31.14%31.14%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: HomeTrust Bancshares, Inc. vs Pathward Financial Inc.

MetricHTBCASH
Market Information
Market Cap i$778.34M$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i68,204175,852
90 Day Avg. Volume i79,261230,397
Last Close$47.78$82.03
52 Week Range$34.66 - $48.36$65.87 - $101.26
% from 52W High-1.20%-18.99%
All-Time High$48.36 (Jun 12, 2026)$101.26 (Apr 17, 2026)
% from All-Time High-1.20%-18.99%
Growth Metrics
Quarterly Revenue Growth-0.02%0.04%
Quarterly Earnings Growth0.14%0.17%
Financial Health
Profit Margin (TTM) i0.31%0.24%
Operating Margin (TTM) i0.40%0.26%
Return on Equity (TTM) i0.11%0.24%
Debt to Equity (MRQ) i0.310.07
Cash & Liquidity
Book Value per Share (MRQ)$35.11$38.55
Cash per Share (MRQ)$20.51$15.22
Operating Cash Flow (TTM) i$49.49M$630.66M
Levered Free Cash Flow (TTM) i$63.70M$185.18M
Dividends
Last 12-Month Dividend Yield i1.14%0.28%
Last 12-Month Dividend i$0.50$0.25

Valuation & Enterprise Metrics Analysis: HomeTrust Bancshares, Inc. vs Pathward Financial Inc.

MetricHTB (Apr 24, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.4411.91
Forward P/E i12.4010.21
PEG Ratio i0.560.55
Price to Sales (TTM) i3.782.78
Price to Book (MRQ) i1.322.54
Market Capitalization
Market Capitalization i$778.34M$1.96B
Enterprise Value i$588.88M$1.85B
Enterprise Value Metrics
Enterprise to Revenue i2.862.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.860.74
Book Value per Share (MRQ) i$35.11$38.55

Financial Statements Comparison: HomeTrust Bancshares, 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

MetricHTB (2025)CASH (2025)
Revenue/Sales i211.53M673.63M
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 i80.96M223.05M
Pre-Tax Income % of Revenue i38.3%33.1%
Income Tax i16.59M36.27M
Income Tax % of Revenue i7.8%5.4%
Net Income (Profit) i64.36M186.79M
Profit Margin i30.4%27.7%

Balance Sheet & Liquidity Metrics

MetricHTB (2025)CASH (2025)
Cash & Equivalents i343.53M120.57M
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 i10.22M33.46M
Long-Term Debt % of Revenue i4.8%5.0%
Total Shareholders Equity i600.69M857.45M
Retained Earnings i436.52M359.83M
Retained Earnings % of Revenue i206.4%53.4%
Property, Plant & Equipment iN/A279.25M

Cash Flow Statement Comparison

MetricHTB (2025)CASH (2025)
Operating Cash Flow i46.23M453.09M
Operating Cash Flow % of Revenue i21.9%67.3%
Capital Expenditures i2.41M-185.72M
Free Cash Flow i42.77M236.59M
FCF Margin i20.2%35.1%
Debt Repayment i0N/A
Common Stock Repurchase i-14.92M-163.05M

Short Interest & Institutional Ownership Analysis

MetricHTBCASH
Shares Short i330,4261.97M
Short Ratio i3.688.16
Short % of Float i2.03%10.89%
Shares Outstanding i17.29M22.17M
Float Shares i11.85M21.45M
% Held by Insiders i10.20%1.42%
% Held by Institutions i63.10%95.01%
% Held by Public i26.70%3.57%

Dividend Analysis & Yield Comparison: HomeTrust Bancshares, Inc. vs Pathward Financial Inc.

MetricHTBCASH
Last 12-Month Dividend i$0.50$0.25
Last 12-Month Dividend Yield i1.14%0.28%
3-Year Avg Annual Dividend i$0.46$0.22
3-Year Avg Dividend Yield i0.30%0.08%
3-Year Total Dividends i$1.38$0.65
Ex-Dividend DateFeb 18, 2026Mar 12, 2026