Metropolitan Bank [MCB] vs Pathward Financial [CASH] Detailed Stock Comparison

Metropolitan Bank Holding Corp.

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Metropolitan Bank Holding Corp. wins in 9 metrics, Pathward Financial Inc. wins in 10 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Metropolitan Bank Holding Corp. Pathward Financial Inc. Better
P/E Ratio (TTM) 13.19 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.19 2.54 Metropolitan Bank Holding Corp.
Debt-to-Equity Ratio 0.12 0.07 Pathward Financial Inc.
PEG Ratio 0.27 0.55 Metropolitan Bank Holding Corp.
Profit Margin (TTM) 25.62% 24.31% Metropolitan Bank Holding Corp.
Operating Margin (TTM) 50.01% 25.54% Metropolitan Bank Holding Corp.
EBITDA Margin (TTM) 50.01% 25.54% Metropolitan Bank Holding Corp.
Return on Equity 9.65% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 0.91% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $82.42M $236.59M Pathward Financial Inc.
Dividend Yield 0.54% 0.28% Metropolitan Bank Holding Corp.
1-Year Return 51.03% 13.18% Metropolitan Bank Holding Corp.
Price-to-Sales Ratio (TTM) 3.91 2.78 Pathward Financial Inc.
Enterprise Value $589.34M $1.85B Pathward Financial Inc.
EV/Revenue Ratio 2.12 2.36 Metropolitan Bank Holding Corp.
Revenue per Share (TTM) $26 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $6.62 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 1.14 0.74 Pathward Financial Inc.
Short % of Float 5.79% 10.89% Metropolitan Bank Holding Corp.

Metropolitan Bank Holding Corp. vs Pathward Financial Inc. Stock Performance Analysis

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MCB
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Metropolitan Bank Holding Corp.-1.94%3.30%8.76%19.60%18.61%23.11%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Metropolitan Bank Holding Corp.51.03%151.71%54.48%161.23%161.23%161.23%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: Metropolitan Bank Holding Corp. vs Pathward Financial Inc.

MetricMCBCASH
Market Information
Market Cap i$1.11B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i212,703175,852
90 Day Avg. Volume i161,724230,397
Last Close$94.76$82.03
52 Week Range$64.25 - $97.84$65.87 - $101.26
% from 52W High-3.15%-18.99%
All-Time High$115.78 (Jan 10, 2022)$101.26 (Apr 17, 2026)
% from All-Time High-18.16%-18.99%
Growth Metrics
Quarterly Revenue Growth0.23%0.04%
Quarterly Earnings Growth0.35%0.17%
Financial Health
Profit Margin (TTM) i0.26%0.24%
Operating Margin (TTM) i0.50%0.26%
Return on Equity (TTM) i0.10%0.24%
Debt to Equity (MRQ) i0.120.07
Cash & Liquidity
Book Value per Share (MRQ)$73.66$38.55
Cash per Share (MRQ)$39.04$15.22
Operating Cash Flow (TTM) i$88.68M$630.66M
Levered Free Cash Flow (TTM) i$71.10M$185.18M
Dividends
Last 12-Month Dividend Yield i0.54%0.28%
Last 12-Month Dividend i$0.50$0.25

Valuation & Enterprise Metrics Analysis: Metropolitan Bank Holding Corp. vs Pathward Financial Inc.

MetricMCB (Apr 24, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i13.1911.91
Forward P/E i7.5010.21
PEG Ratio i0.270.55
Price to Sales (TTM) i3.912.78
Price to Book (MRQ) i1.192.54
Market Capitalization
Market Capitalization i$1.11B$1.96B
Enterprise Value i$589.34M$1.85B
Enterprise Value Metrics
Enterprise to Revenue i2.122.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i1.140.74
Book Value per Share (MRQ) i$73.66$38.55

Financial Statements Comparison: Metropolitan Bank Holding Corp. 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

MetricMCB (2025)CASH (2025)
Revenue/Sales i291.09M673.63M
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 i101.51M223.05M
Pre-Tax Income % of Revenue i34.9%33.1%
Income Tax i30.41M36.27M
Income Tax % of Revenue i10.4%5.4%
Net Income (Profit) i71.10M186.79M
Profit Margin i24.4%27.7%

Balance Sheet & Liquidity Metrics

MetricMCB (2025)CASH (2025)
Cash & Equivalents i393.59M120.57M
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 i10.98M33.46M
Long-Term Debt % of Revenue i3.8%5.0%
Total Shareholders Equity i743.11M857.45M
Retained Earnings i450.64M359.83M
Retained Earnings % of Revenue i154.8%53.4%
Property, Plant & Equipment iN/A279.25M

Cash Flow Statement Comparison

MetricMCB (2025)CASH (2025)
Operating Cash Flow i51.09M453.09M
Operating Cash Flow % of Revenue i17.6%67.3%
Capital Expenditures i-6.26M-185.72M
Free Cash Flow i82.42M236.59M
FCF Margin i28.3%35.1%
Debt Repayment i-450.00MN/A
Common Stock Repurchase i-77.02M-163.05M

Short Interest & Institutional Ownership Analysis

MetricMCBCASH
Shares Short i680,9531.97M
Short Ratio i4.398.16
Short % of Float i5.79%10.89%
Shares Outstanding i10.09M22.17M
Float Shares i9.12M21.45M
% Held by Insiders i5.20%1.42%
% Held by Institutions i74.11%95.01%
% Held by Public i20.69%3.57%

Dividend Analysis & Yield Comparison: Metropolitan Bank Holding Corp. vs Pathward Financial Inc.

MetricMCBCASH
Last 12-Month Dividend i$0.50$0.25
Last 12-Month Dividend Yield i0.54%0.28%
3-Year Avg Annual Dividend i$0.17$0.22
3-Year Avg Dividend Yield i0.22%0.08%
3-Year Total Dividends i$0.50$0.65
Ex-Dividend DateJan 27, 2026Mar 12, 2026