CASH (Pathward Financial) Moat Score: 3/10 (As of Jun. 25, 2026)


CASH Pathward Financial Inc CASH
73 GF Score
Price $86.59
GF Value $88.69
Valuation Fairly Valued
! 1 Warning Sign
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What is Pathward Financial Moat Score?

Pathward Financial CASH +0.16% 73 Moat Score is 3 as of Jun. 25, 2026. GuruFocus rates CASH with a GF Score™ of 73/100 and a GF Value™ of $88.69 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,609 Banks companies, Pathward Financial ranks better than 74.39% on this metric.

Pathward Financial has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Pathward Financial has No Moat: Pathward Financial Inc operates in a competitive financial services market with limited differentiation. It lacks strong brand strength, customer loyalty, and significant cost advantages.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pathward Financial might have No Moat - Very weak/transient advantages.

Pathward Financial  (NAS:CASH) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pathward Financial Moat Score Related Terms

CASH vs CHCO, LOB, TFIN: Moat Score Comparison

For the Banks - Regional subindustry, Pathward Financial's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Pathward Financial's Moat Score distribution charts can be found below:

* The bar in red indicates where Pathward Financial's Moat Score falls into.


CASH
73GF Score
Pathward Financial Inc CASH
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Pathward Financial (CASH) has a Moat Score of 3 as of Jun. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pathward Financial ranks #412 out of 1609 companies in the Banks industry, placing it in the top 25.6%.
Is Pathward Financial's Moat Score too high?
Pathward Financial's current Moat Score is 3. Based on the distribution chart, Pathward Financial ranks #412 out of 1609 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to CHCO and LOB?
According to the Banks industry distribution chart, Pathward Financial ranks #412 out of 1609 companies for Moat Score. This puts Pathward Financial in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pathward Financial's current Moat Score is 3. 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 $88.69, compared to a current price of $86.59 — trading 2.4% below its estimated fair value. The current Moat Score is 3. Pathward Financial's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pathward Financial (CASH), the current Moat Score is 3 as of Jun. 25, 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 $86.59 is trading 2.4% below its estimated GF Value™ of $88.69. GuruFocus considers Pathward Financial to be Fairly Valued.

Key valuation signals for CASH:

  • Moat Score: 3
  • GF Value™: $88.69 vs. price of $86.59 (2.4% below fair value)
  • GF Score™: 73/100 with 1 warning sign

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 Business Description

Other Exchanges FM7:Germany
Address 5501 South Broadband Lane, Sioux Falls, SD, USA, 57108
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.59
Price
$88.69
GF Value