SmartFinancial [SMBK] vs Pathward Financial [CASH] Detailed Stock Comparison
SmartFinancial
NYSE
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Pathward Financial
NASDAQ
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: SmartFinancial wins in 8 metrics, Pathward Financial wins in 10 metrics, with 0 ties. Pathward Financial appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | SmartFinancial | Pathward Financial | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.47 | 9.89 | Pathward Financial |
| Price-to-Book Ratio | 1.09 | 2.10 | SmartFinancial |
| Debt-to-Equity Ratio | 0.09 | 0.19 | SmartFinancial |
| PEG Ratio | 14.15 | 9.01 | Pathward Financial |
| Profit Margin (TTM) | 23.32% | 22.72% | SmartFinancial |
| Operating Margin (TTM) | 35.40% | 26.29% | SmartFinancial |
| EBITDA Margin (TTM) | 35.40% | 26.29% | SmartFinancial |
| Return on Equity | 8.42% | 21.21% | Pathward Financial |
| Return on Assets (TTM) | 0.80% | 2.28% | Pathward Financial |
| Free Cash Flow (TTM) | $46.30M | $176.78M | Pathward Financial |
| Dividend Yield | 0.76% | 0.27% | SmartFinancial |
| 1-Year Return | 21.52% | 16.59% | SmartFinancial |
| Price-to-Sales Ratio (TTM) | 3.16 | 2.34 | Pathward Financial |
| Enterprise Value | $247.71M | $1.61B | Pathward Financial |
| EV/Revenue Ratio | 1.38 | 2.19 | SmartFinancial |
| Revenue per Share (TTM) | $11 | $31 | Pathward Financial |
| Earnings per Share (Diluted) | $2.47 | $7.56 | Pathward Financial |
| Beta (Stock Volatility) | 0.70 | 0.62 | Pathward Financial |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
SmartFinancial vs Pathward Financial Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| SmartFinancial | -2.92% | -6.26% | -4.07% | 9.44% | -4.32% | 8.30% |
| Pathward Financial | -1.11% | -6.75% | -8.30% | -6.40% | -5.52% | 3.14% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| SmartFinancial | 21.52% | 29.22% | 123.37% | 113.21% | 389.12% | -6.81% |
| Pathward Financial | 16.59% | 118.68% | 268.42% | 361.10% | 550.35% | 1,148.58% |
Performance & Financial Health Analysis: SmartFinancial vs Pathward Financial
| Metric | SMBK | CASH |
|---|---|---|
| Market Information | ||
| Market Cap | $566.00M | $1.72B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 56,720 | 210,660 |
| 90 Day Avg. Volume | 65,347 | 216,473 |
| Last Close | $33.26 | $74.79 |
| 52 Week Range | $25.58 - $37.72 | $60.42 - $86.00 |
| % from 52W High | -11.82% | -13.03% |
| All-Time High | $66.67 (Dec 18, 2006) | $86.00 (Nov 25, 2024) |
| % from All-Time High | -50.11% | -13.03% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.19% | 0.09% |
| Quarterly Earnings Growth | 0.46% | 0.01% |
| Financial Health | ||
| Profit Margin (TTM) | 0.23% | 0.23% |
| Operating Margin (TTM) | 0.35% | 0.26% |
| Return on Equity (TTM) | 0.08% | 0.21% |
| Debt to Equity (MRQ) | 0.09 | 0.19 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $30.50 | $35.67 |
| Cash per Share (MRQ) | $21.45 | $11.26 |
| Operating Cash Flow (TTM) | $49.26M | $227.32M |
| Levered Free Cash Flow (TTM) | $36.14M | $166.82M |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.76% | 0.27% |
| Last 12-Month Dividend | $0.24 | $0.20 |
Valuation & Enterprise Metrics Analysis: SmartFinancial vs Pathward Financial
| Metric | SMBK | CASH |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.47 | 9.89 |
| Forward P/E | 14.15 | 9.01 |
| PEG Ratio | 14.15 | 9.01 |
| Price to Sales (TTM) | 3.16 | 2.34 |
| Price to Book (MRQ) | 1.09 | 2.10 |
| Market Capitalization | ||
| Market Capitalization | $566.00M | $1.72B |
| Enterprise Value | $247.71M | $1.61B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.38 | 2.19 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.70 | 0.62 |
| Book Value per Share (MRQ) | $30.50 | $35.67 |
Financial Statements Comparison: SmartFinancial vs Pathward Financial
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | SMBK | CASH |
|---|---|---|
| Revenue/Sales | $46.84M | $123.65M |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $13.56M | $37.92M |
| Income Tax | $2.31M | $6.29M |
| Net Income (Profit) | $11.25M | $31.63M |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | SMBK | CASH |
|---|---|---|
| Cash & Equivalents | $411.18M | $597.40M |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $39.71M | $33.38M |
| Total Shareholders Equity | $505.94M | $776.43M |
| Retained Earnings | $213.72M | $332.32M |
| Property, Plant & Equipment | N/A | $355.22M |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | SMBK | CASH |
|---|---|---|
| Operating Cash Flow | $13.28M | $-218.60M |
| Capital Expenditures | $-912,000 | $-49.17M |
| Free Cash Flow | $13.36M | $-131.49M |
| Debt Repayment | $0 | N/A |
| Common Stock Repurchase | N/A | $-57.01M |
Short Interest & Institutional Ownership Analysis
| Metric | SMBK | CASH |
|---|---|---|
| Shares Short | 91,115 | 1.39M |
| Short Ratio | 1.33 | 6.42 |
| Short % of Float | 0.01% | 0.07% |
| Average Daily Volume (10 Day) | 56,720 | 210,660 |
| Average Daily Volume (90 Day) | 65,347 | 216,473 |
| Shares Outstanding | 16.93M | 24.85M |
| Float Shares | 14.40M | 22.64M |
| % Held by Insiders | 0.15% | 0.01% |
| % Held by Institutions | 0.58% | 0.97% |
Dividend Analysis & Yield Comparison: SmartFinancial vs Pathward Financial
| Metric | SMBK | CASH |
|---|---|---|
| Last 12-Month Dividend | $0.24 | $0.20 |
| Last 12-Month Dividend Yield | 0.76% | 0.27% |
| 3-Year Avg Annual Dividend | $0.29 | $0.20 |
| 3-Year Avg Dividend Yield | 0.30% | 0.10% |
| 3-Year Total Dividends | $0.86 | $0.60 |
| Ex-Dividend Date | Jan 31, 2025 | Jun 13, 2025 |