Stellar Bancorp [STEL] vs Pathward Financial [CASH] Detailed Stock Comparison

Stellar Bancorp Inc.

NYSE
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Pathward Financial Inc.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Stellar Bancorp Inc. wins in 8 metrics, Pathward Financial Inc. wins in 11 metrics, with 0 ties. Pathward Financial Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Stellar Bancorp Inc. Pathward Financial Inc. Better
P/E Ratio (TTM) 12.95 11.91 Pathward Financial Inc.
Price-to-Book Ratio 0.90 2.54 Stellar Bancorp Inc.
Debt-to-Equity Ratio 0.13 0.07 Pathward Financial Inc.
PEG Ratio 14.65 0.55 Pathward Financial Inc.
Profit Margin (TTM) 26.36% 24.31% Stellar Bancorp Inc.
Operating Margin (TTM) 37.82% 25.54% Stellar Bancorp Inc.
EBITDA Margin (TTM) 37.82% 25.54% Stellar Bancorp Inc.
Return on Equity 7.23% 23.57% Pathward Financial Inc.
Return on Assets (TTM) 1.07% 2.53% Pathward Financial Inc.
Free Cash Flow (TTM) $127.96M $236.59M Pathward Financial Inc.
Dividend Yield 1.63% 0.28% Stellar Bancorp Inc.
1-Year Return 38.71% 5.37% Stellar Bancorp Inc.
Price-to-Sales Ratio (TTM) 3.33 2.78 Pathward Financial Inc.
Enterprise Value $1.08B $1.85B Pathward Financial Inc.
EV/Revenue Ratio 2.51 2.36 Pathward Financial Inc.
Revenue per Share (TTM) $8 $34 Pathward Financial Inc.
Earnings per Share (Diluted) $2.15 $8.21 Pathward Financial Inc.
Beta (Stock Volatility) 0.67 0.74 Stellar Bancorp Inc.
Short % of Float 2.71% 10.89% Stellar Bancorp Inc.

Stellar Bancorp Inc. vs Pathward Financial Inc. Stock Performance Analysis

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STEL
CASH

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Stellar Bancorp Inc.-1.04%-0.91%-0.40%-1.44%15.96%20.22%
Pathward Financial Inc.-4.51%-6.37%-9.31%-15.03%4.90%8.17%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Stellar Bancorp Inc.38.71%47.30%29.38%28.23%28.23%28.23%
Pathward Financial Inc.5.37%69.22%54.50%384.62%1,296.26%996.53%

Performance & Financial Health Analysis: Stellar Bancorp Inc. vs Pathward Financial Inc.

MetricSTELCASH
Market Information
Market Cap i$1.43B$1.96B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i213,250175,852
90 Day Avg. Volume i248,110230,397
Last Close$36.98$77.74
52 Week Range$26.30 - $40.21$65.87 - $101.26
% from 52W High-8.03%-23.23%
All-Time High$40.21 (Feb 11, 2026)$101.26 (Apr 17, 2026)
% from All-Time High-8.03%-23.23%
Growth Metrics
Quarterly Revenue Growth-0.03%0.04%
Quarterly Earnings Growth-0.06%0.17%
Financial Health
Profit Margin (TTM) i0.26%0.24%
Operating Margin (TTM) i0.38%0.26%
Return on Equity (TTM) i0.07%0.24%
Debt to Equity (MRQ) i0.130.07
Cash & Liquidity
Book Value per Share (MRQ)$30.89$38.55
Cash per Share (MRQ)$10.99$15.22
Operating Cash Flow (TTM) i$95.84M$630.66M
Levered Free Cash Flow (TTM) i$115.00M$185.18M
Dividends
Last 12-Month Dividend Yield i1.63%0.28%
Last 12-Month Dividend i$0.58$0.25

Valuation & Enterprise Metrics Analysis: Stellar Bancorp Inc. vs Pathward Financial Inc.

MetricSTEL (Jun 11, 2025)CASH (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.9511.91
Forward P/E i14.6510.21
PEG Ratio i14.650.55
Price to Sales (TTM) i3.332.78
Price to Book (MRQ) i0.902.54
Market Capitalization
Market Capitalization i$1.43B$1.96B
Enterprise Value i$1.08B$1.85B
Enterprise Value Metrics
Enterprise to Revenue i2.512.36
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.670.74
Book Value per Share (MRQ) i$30.89$38.55

Financial Statements Comparison: Stellar 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

MetricSTEL (2024)CASH (2025)
Revenue/Sales i431.04M673.63M
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 i144.96M223.05M
Pre-Tax Income % of Revenue i33.6%33.1%
Income Tax i29.96M36.27M
Income Tax % of Revenue i6.9%5.4%
Net Income (Profit) i115.00M186.79M
Profit Margin i26.7%27.7%

Balance Sheet & Liquidity Metrics

MetricSTEL (2024)CASH (2025)
Cash & Equivalents i911.22M120.57M
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 i70.11M33.46M
Long-Term Debt % of Revenue i16.3%5.0%
Total Shareholders Equity i1.61B857.45M
Retained Earnings i492.64M359.83M
Retained Earnings % of Revenue i114.3%53.4%
Property, Plant & Equipment i17.28M279.25M

Cash Flow Statement Comparison

MetricSTEL (2024)CASH (2025)
Operating Cash Flow i164.33M453.09M
Operating Cash Flow % of Revenue i38.1%67.3%
Capital Expenditures i3.00M-185.72M
Free Cash Flow i127.96M236.59M
FCF Margin i29.7%35.1%
Debt Repayment i-90.00MN/A
Common Stock Repurchase i-2.84M-163.05M

Short Interest & Institutional Ownership Analysis

MetricSTELCASH
Shares Short i1.06M1.97M
Short Ratio i4.828.16
Short % of Float i2.71%10.89%
Shares Outstanding i53.43M22.17M
Float Shares i46.70M21.45M
% Held by Insiders i9.75%1.42%
% Held by Institutions i59.96%95.01%
% Held by Public i30.29%3.57%

Dividend Analysis & Yield Comparison: Stellar Bancorp Inc. vs Pathward Financial Inc.

MetricSTELCASH
Last 12-Month Dividend i$0.58$0.25
Last 12-Month Dividend Yield i1.63%0.28%
3-Year Avg Annual Dividend i$0.55$0.22
3-Year Avg Dividend Yield i0.51%0.08%
3-Year Total Dividends i$1.64$0.65
Ex-Dividend DateMar 16, 2026Mar 12, 2026