Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-07-15), Pathward Financial's 12-1 Month Momentum % is 0.66%.
The industry rank for Pathward Financial's 12-1 Month Momentum % or its related term are showing as below:
CASH's 12-1 Month Momentum % is ranked worse than 72.18% of 1596
companies
in the Banks industry
Industry Median: 17.88
vs CASH: 0.66
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Pathward Financial 12-1 Month Momentum % Related Terms
CASH vs TFIN, DCOM, CHCO: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Pathward Financial's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Pathward Financial's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Pathward Financial's 12-1 Month Momentum % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pathward Financial (CASH) has a 12-1 Month Momentum % of 0.66% as of Jul. 15, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pathward Financial and its competitors. According to the industry distribution chart, Pathward Financial ranks #1152 out of 1596 companies in the Banks industry, placing it in the top 72.2%.
Is Pathward Financial's 12-1 Month Momentum % too high?
Pathward Financial's current 12-1 Month Momentum % is 0.66%. The Banks industry median 12-1 Month Momentum % is 17.88. Pathward Financial's value of 0.66% is 96.3% below this industry median. Based on the distribution chart, Pathward Financial ranks #1152 out of 1596 companies in the Banks industry, which is below 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 12-1 Month Momentum % compare to TFIN and DCOM?
According to the Banks industry distribution chart, Pathward Financial ranks #1152 out of 1596 companies for 12-1 Month Momentum %. This places Pathward Financial in the lower half of its industry. The industry median 12-1 Month Momentum % is 17.88. Pathward Financial's value of 0.66% is 96.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 17.88, based on 1,596 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathward Financial's current 12-1 Month Momentum % of 0.66% is 96.3% below 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pathward Financial and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 17.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathward Financial's current 12-1 Month Momentum % is 0.66%. 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 $91.06, compared to a current price of $90.87 — trading 0.2% below its estimated fair value. The current 12-1 Month Momentum % is 0.66% and 96.3% below the Banks industry median of 17.88. 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 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Pathward Financial (CASH), the current 12-1 Month Momentum % is 0.66% as of Jul. 15, 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 $90.87 is trading 0.2% below its estimated GF Value™ of $91.06.
GuruFocus considers Pathward Financial to be Fairly Valued.
Key valuation signals for CASH:
12-1 Month Momentum %: 0.66%
GF Value™: $91.06 vs. price of $90.87 (0.2% below fair value)
Industry Position: 96.3% below the Banks median (#1152 of 1596)
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
Get the complete analysis for CASH
12-1 Month Momentum % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CASH has been successfully added to your 
