National Bank [NBHC] vs Pathward Financial [CASH] Detailed Stock Comparison

National Bank Holdings Corporation

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: National Bank Holdings Corporation wins in 5 metrics, Pathward Financial Inc. wins in 14 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric National Bank Holdings Corporation Pathward Financial Inc. Better
P/E Ratio (TTM) 15.73 11.91 Pathward Financial Inc.
Price-to-Book Ratio 1.15 2.54 National Bank Holdings Corporation
Debt-to-Equity Ratio 0.08 0.07 Pathward Financial Inc.
PEG Ratio -0.37 0.55 Pathward Financial Inc.
Profit Margin (TTM) 27.51% 24.31% National Bank Holdings Corporation
Operating Margin (TTM) 24.07% 25.54% Pathward Financial Inc.
EBITDA Margin (TTM) 24.07% 25.54% Pathward Financial Inc.
Return on Equity 8.15% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 1.11% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $132.50M $236.59M Pathward Financial Inc.
Dividend Yield 3.08% 0.28% National Bank Holdings Corporation
1-Year Return 21.26% 13.18% National Bank Holdings Corporation
Price-to-Sales Ratio (TTM) 4.77 2.78 Pathward Financial Inc.
Enterprise Value $1.56B $1.85B Pathward Financial Inc.
EV/Revenue Ratio 3.92 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $10 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $2.68 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.77 0.74 Pathward Financial Inc.
Short % of Float 5.73% 10.89% National Bank Holdings Corporation

National Bank Holdings Corporation vs Pathward Financial Inc. Stock Performance Analysis

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NBHC
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
National Bank Holdings Corporation-1.87%2.21%5.17%9.99%7.17%13.25%
Pathward Financial Inc.-2.54%2.04%2.67%-8.92%11.41%14.14%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
National Bank Holdings Corporation21.26%37.98%19.70%118.59%122.60%122.60%
Pathward Financial Inc.13.18%74.27%72.73%386.53%1,668.28%1,037.43%

Performance & Financial Health Analysis: National Bank Holdings Corporation vs Pathward Financial Inc.

MetricNBHCCASH
Market Information
Market Cap i$1.93B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i374,284175,852
90 Day Avg. Volume i597,788230,397
Last Close$42.92$82.03
52 Week Range$35.06 - $44.12$65.87 - $101.26
% from 52W High-2.72%-18.99%
All-Time High$51.76 (Nov 04, 2024)$101.26 (Apr 17, 2026)
% from All-Time High-17.08%-18.99%
Growth Metrics
Quarterly Revenue Growth-0.08%0.04%
Quarterly Earnings Growth-0.43%0.17%
Financial Health
Profit Margin (TTM) i0.28%0.24%
Operating Margin (TTM) i0.24%0.26%
Return on Equity (TTM) i0.08%0.24%
Debt to Equity (MRQ) i0.080.07
Cash & Liquidity
Book Value per Share (MRQ)$36.67$38.55
Cash per Share (MRQ)$9.92$15.22
Operating Cash Flow (TTM) i$162.42M$630.66M
Levered Free Cash Flow (TTM) i$108.69M$185.18M
Dividends
Last 12-Month Dividend Yield i3.08%0.28%
Last 12-Month Dividend i$1.23$0.25

Valuation & Enterprise Metrics Analysis: National Bank Holdings Corporation vs Pathward Financial Inc.

MetricNBHC (Apr 24, 2026)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i15.7311.91
Forward P/E i10.5010.21
PEG Ratio i-0.370.55
Price to Sales (TTM) i4.772.78
Price to Book (MRQ) i1.152.54
Market Capitalization
Market Capitalization i$1.93B$1.96B
Enterprise Value i$1.56B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i3.922.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.770.74
Book Value per Share (MRQ) i$36.67$38.55

Financial Statements Comparison: National Bank Holdings Corporation 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

MetricNBHC (2025)CASH (2025)
Revenue/Sales i411.58M673.63M
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 i133.63M223.05M
Pre-Tax Income % of Revenue i32.5%33.1%
Income Tax i24.06M36.27M
Income Tax % of Revenue i5.8%5.4%
Net Income (Profit) i109.57M186.79M
Profit Margin i26.6%27.7%

Balance Sheet & Liquidity Metrics

MetricNBHC (2025)CASH (2025)
Cash & Equivalents i417.06M120.57M
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 i54.54M33.46M
Long-Term Debt % of Revenue i13.3%5.0%
Total Shareholders Equity i1.39B857.45M
Retained Earnings i572.46M359.83M
Retained Earnings % of Revenue i139.1%53.4%
Property, Plant & Equipment iN/A279.25M

Cash Flow Statement Comparison

MetricNBHC (2025)CASH (2025)
Operating Cash Flow i132.69M453.09M
Operating Cash Flow % of Revenue i32.2%67.3%
Capital Expenditures i-29.92M-185.72M
Free Cash Flow i132.50M236.59M
FCF Margin i32.2%35.1%
Debt Repayment i-50.00MN/A
Common Stock Repurchase i-15.17M-163.05M

Short Interest & Institutional Ownership Analysis

MetricNBHCCASH
Shares Short i2.10M1.97M
Short Ratio i2.808.16
Short % of Float i5.73%10.89%
Shares Outstanding i37.77M22.17M
Float Shares i42.94M21.45M
% Held by Insiders i5.65%1.42%
% Held by Institutions i86.02%95.01%
% Held by Public i8.33%3.57%

Dividend Analysis & Yield Comparison: National Bank Holdings Corporation vs Pathward Financial Inc.

MetricNBHCCASH
Last 12-Month Dividend i$1.23$0.25
Last 12-Month Dividend Yield i3.08%0.28%
3-Year Avg Annual Dividend i$1.14$0.22
3-Year Avg Dividend Yield i0.77%0.08%
3-Year Total Dividends i$3.43$0.65
Ex-Dividend DateFeb 27, 2026Mar 12, 2026