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Pathward FinancialCASH +2.84%73 3-Year Book Growth Rate is 18.90% as of Mar. 2026, which is 282% above its 10-year median of 4.95. GuruFocus rates CASH with a GF Score™ of 73/100 and a GF Value™ of $92.51 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,497 Banks companies, Pathward Financial ranks better than 87.84% on this metric.
During the past 12 months, Pathward Financial's average Book Value per Share Growth Rate was 15.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 18.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 11.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Pathward Financial was 19.70% per year. The lowest was -1.70% per year. And the median was 4.95% per year.
Pathward Financial (NAS:CASH) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Pathward Financial 3-Year Book Growth Rate Related Terms
CASH vs GABC, RBCAA, TFIN: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Pathward Financial's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Pathward Financial 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Pathward Financial's 3-Year Book Growth Rate falls into.
Pathward Financial 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 18.90% mean?
Pathward Financial (CASH) has a 3-Year Book Growth Rate of 18.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pathward Financial and its competitors. This is 282% above median its historical median of 4.95. According to the industry distribution chart, Pathward Financial ranks #182 out of 1497 companies in the Banks industry, placing it in the top 12.2%.
Is Pathward Financial's 3-Year Book Growth Rate too high?
Pathward Financial's current 3-Year Book Growth Rate of 18.90% is 282% above median its 10-year median of 4.95. The Banks industry median 3-Year Book Growth Rate is 8.70. Pathward Financial's value of 18.90% is 117.2% above this industry median. Based on the distribution chart, Pathward Financial ranks #182 out of 1497 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pathward Financial has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pathward Financial's 3-Year Book Growth Rate compare to GABC and RBCAA?
According to the Banks industry distribution chart, Pathward Financial ranks #182 out of 1497 companies for 3-Year Book Growth Rate. This places Pathward Financial in the top 12% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.70. Pathward Financial's value of 18.90% is 117.2% above this benchmark. While the company's 10-year median is 4.95 vs. the industry median of 8.70, Pathward Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current 3-Year Book Growth Rate of 18.90% is 117.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pathward Financial and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current 3-Year Book Growth Rate is 18.90%, which is 282% above median its own 10-year median of 4.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pathward Financial stock overvalued right now?
Based on GuruFocus' analysis, Pathward Financial (CASH) is currently considered Fairly Valued. The stock's GF Value™ is $92.51, compared to a current price of $90.77 — trading 1.9% below its estimated fair value. The current 3-Year Book Growth Rate is 18.90%, which is 282% above median its 10-year median of 4.95 and 117.2% above the Banks industry median of 8.70. Pathward Financial's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Pathward Financial (CASH), the current 3-Year Book Growth Rate is 18.90% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pathward Financial (CASH) Overvalued in 2026?
Based on GuruFocus' analysis, Pathward Financial stock appears to be undervalued.
The current stock price of $90.77 is trading 1.9% below its estimated GF Value™ of $92.51.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
3-Year Book Growth Rate: 18.90% (282% above median its 10-year median of 4.95)
GF Value™: $92.51 vs. price of $90.77 (1.9% below fair value)
Industry Position: 117.2% above the Banks median (#182 of 1497)
No single metric tells the full story. See the CASH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pathward Financial Inc is a unitary savings and loan holding company. It's a wholly owned full-service banking subsidiary of Meta Financial, is both a community-oriented financial institution offering a variety of financial services to meet the needs of the communities it serves, and a payments company providing services on a nationwide basis. It operates through three reportable segments: Consumer: The Consumer segment includes the Partner Solutions business line, which collaborates with partners to navigate payment and lending needs; Commercial: The Commercial segment includes the Company's Commercial Finance business line, which helps businesses access funds needed to launch, operate, and grow; and Corporate Services. The majority of the revenue is generated from Consumer segment.
73GF Score
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