Loan originations nearly doubled while revenue concentration stayed low, a combination that rewards disciplined growth.
CASH Pathward Financial, Inc. Common Stock
XNAS 74.20 DelayedStock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading
Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.
CASH
$74.20
—
Key stats
$74.20
- 52-Week Range
- $65.87 – $101.26
- YTD
- +3.24%
- IV Rank (30D)
- 79.54
- Straddle Price
- $6.55
- P/C Vol Ratio
- 454.82
- Market Cap
- $1.5B
- Open
- $73.93
- Day Range
- $72.43 – $74.56
- Volume
- 431,058
- Prev Close
- $73.92
Fair Value
+50.0% vs price
A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.
- DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
- Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
- DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
- P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
- Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
- Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
- Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
- Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
| 10-yr Treasury (rf) | 5.15% |
| Beta vs SPY | 0.96 |
| Cost of Equity (CAPM) | 9.93% (VRP-adj) |
| WACC | 9.85% |
| Volatility Risk Premium | +37.1pp (IV − HV30) |
| Effective Tax Rate | 15.7% |
| Rev. Growth (YoY, DCF input) | +30.0% |
| DCF Horizon | 15 years explicit + fade |
| Forward Tilt (NTM/TTM) | ×1.10 (applied to P/E, EV/EBITDA, P/S) |
| Free Cash Flow (TTM) | $0.5B |
| Return on Equity (TTM) | 20.6% |
| Book / Price | 50.5% — banking bias active (P/B is primary) |
| Bank Quality Adj | ×1.83 (target ROE vs peer median) |
| Gross Margin (TTM) | 98.8% |
| FCF Margin (TTM) | 58.9% |
| Debt / Equity | 0.04 |
| Quality Score | 6/6 — compounder (15y DCF) |
| SMA 50 | $77.70 (Market Anchor value) |
| SMA 20 / Bollinger Mid | $72.59 |
| Bollinger Width / SMA20 | 7.9% (drives anchor stability) |
| Net Debt | $-0.1B |
| Market Cap | $2B |
Peers used for multiples: AX, EFSC, EGP, SBCF, SNEX, SYBT, WTFC
(filtered from 8 ETF-co-members; sector bias active)
Blended Fair Value
$547.19
Deviation
+50.0%
| Method | Implied Price | Weight | Detail |
|---|---|---|---|
| DCF | $2140.66 | 22% | |
| DDM (Gordon) | n/a | 0% | |
| Peer P/E | $229.27 | 7% | median 13.5× · 7 peers |
| Peer EV/EBITDA | n/a | 0% | median 11.2× · 7 peers |
| Peer P/B | $60.36 | 10% | median 1.6× · 7 peers |
| Peer P/S | $174.23 | 3% | median 2.3× · 7 peers |
| Market Anchor (SMA50) | $77.70 | 44% | stability 100% (BB-width) |
| Options Expected (B-L 30d) | $73.68 | 13% | 12 strikes · skew -0.34 |
As of 2026-10-22 · updated
Related
About
- Industry (SIC)
- NATIONAL COMMERCIAL BANKS (6021) · industry map
- Exchange
- XNAS
- Market Cap
- $1.5B
- Employees
- 1,182
- List Date
- 1993-09-20
- CIK
- 0000907471
- Headquarters
- Sioux Falls, SD
- Homepage
- https://www.pathwardfinancial.com
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 …
Summary
—
composite
—
No summary data available for this symbol yet.
Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.
Chart
Seasonality
| Month | '21 | '22 | '23 | '24 | '25 | '26 | Avg |
|---|---|---|---|---|---|---|---|
| Jan | 6.10% | -0.98% | 13.52% | -1.45% | 9.96% | 25.63% | 8.80% |
| Feb | 11.98% | -10.05% | 0.26% | 0.77% | -2.08% | -0.32% | 0.09% |
| Mar | 0.33% | 2.77% | -17.79% | 0.66% | -4.10% | -2.92% | -3.51% |
| Apr | 6.28% | -20.11% | 7.09% | 0.50% | 7.36% | -3.53% | -0.40% |
| May | 8.18% | -4.08% | -0.90% | 5.46% | -2.32% | -4.92% | 0.24% |
| Jun | -5.94% | -5.36% | 1.93% | 6.57% | 2.35% | 7.60% | 1.19% |
| Jul | -3.51% | -16.99% | 8.36% | 18.06% | -7.28% | -1.42% | -0.46% |
| Aug | 0.94% | -0.96% | -6.63% | 5.42% | 6.26% | -10.24% | -0.87% |
| Sep | 6.52% | -0.03% | -8.15% | -3.27% | -6.27% | -11.45% | -3.77% |
| Oct | 2.27% | 25.95% | -2.79% | 9.64% | -7.56% | 0.65%* | 4.69% |
| Nov | 3.68% | 4.26% | 7.29% | 17.68% | 6.53% | -- | 7.89% |
| Dec | 3.70% | -0.69% | 3.46% | -11.82% | -2.34% | -- | -1.54% |
| Total | 47.06% | -28.85% | 1.50% | 54.65% | -1.57% | -5.38% | 11.24% |
Technical Indicators
Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.
Trend Indicators
- SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
- EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
- MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
- ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
- +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
- RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
- Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
- Williams %R — inverted scale: <−80 oversold, >−20 overbought.
Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.
Volume & Volatility
- Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
- OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
- Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
- ATR / True Range — average daily $ move; sizing and stop-loss reference.
- HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.
Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →
Trend Indicators
SMA 20: $72.59
SMA 50: $77.70
SMA 200: $84.95
Current: $74.20
EMA 12: $72.92
EMA 26: $74.19
MACD: -1.2673 | Signal: 0.5856
BEARISH
ADX (14): 26.24
TREND
+DI: 27.36
−DI: 25.52
Momentum Oscillators
RSI (14): 49.52
NEUTRAL
Stoch %K: 60.40
Stoch %D: 51.96
Williams %R: -26.57
Volume & Volatility
BB Upper: $74.66
BB Lower: $70.52
NEUTRAL
OBV: 5,143,474
Vol SMA 20: 230,597
Vol ROC: 22.85%
ATR: $1.67
True Range: $2.13
HV 20: 23.9%
HV 30: 21.9%
HV 60: 20.9%
Data Summary
Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis
Click Frenzy-Pro™ for an AI analysis of this ticker.
Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.
News
All CASH news →
Commercial finance segment drives results; management guides fiscal 2027 EPS to $9.50–$10.00.
Earnings History
19 of 21 under expected move
Avg Expected Move
8.80%
Avg Actual Move
5.87%
| Earnings Date | Timing | Expected Move | Actual Move | Ratio | Outcome |
|---|---|---|---|---|---|
| 2021-04-27 | After-Close | 10.43% | 7.94% | 0.76x | Within |
| 2021-07-28 | After-Close | 3.23% | 2.32% | 0.72x | Within |
| 2021-10-27 | After-Close | 8.55% | 6.77% | 0.79x | Within |
| 2022-01-26 | After-Close | 3.87% | 0.42% | 0.11x | Within |
| 2022-04-28 | After-Close | 5.12% | 4.94% | 0.96x | Within |
| 2022-07-27 | After-Close | 3.78% | 21.15% | 5.60x | Exceeded |
| 2022-10-27 | After-Close | 7.14% | 6.38% | 0.89x | Within |
| 2023-01-25 | After-Close | 12.03% | 7.26% | 0.60x | Within |
| 2023-07-26 | After-Close | 9.06% | 6.74% | 0.74x | Within |
| 2023-10-25 | After-Close | 16.12% | 8.31% | 0.52x | Within |
| 2024-01-24 | After-Close | 9.98% | 2.15% | 0.22x | Within |
| 2024-04-24 | After-Close | 12.04% | 3.58% | 0.30x | Within |
| 2024-07-24 | After-Close | 9.23% | 5.38% | 0.58x | Within |
| 2024-10-23 | After-Close | 9.22% | 3.48% | 0.38x | Within |
| 2025-01-21 | After-Close | 10.01% | 1.43% | 0.14x | Within |
| 2025-04-22 | unknown | 11.77% | 10.80% | 0.92x | Within |
| 2025-07-28 | After-Close | 7.60% | 3.18% | 0.42x | Within |
| 2025-10-21 | Pre-Market | 9.86% | 0.32% | 0.03x | Within |
| 2026-01-22 | Pre-Market | 8.32% | 3.43% | 0.41x | Within |
| 2026-04-22 | After-Close | 8.53% | 11.01% | 1.29x | Exceeded |
| 2026-07-22 | After-Close | 8.85% | 6.26% | 0.71x | Within |
Earnings calendar: this week’s reports with expected vs actual moves →
CASH Options Activity & IV Rank
CASH IV rank history, 52-week IV rank and IV percentile →
Volatility Metrics
Current IV: 38.5%
7-DTE IV: —
Expected Move: $6.55
7-DTE Move: $6.55
Days to Exp: 30 (2026-11-20)
Options Flow
Call Volume: 11
Put Volume: 5,003
P/C Volume: 454.818
BEARISH
Call OI: 35
Put OI: 8,835
P/C OI: 252.429
Total OI: 8,870
ATM Options Pricing
ATM Call: $3.15
ATM Put: $3.40
Call %: 4.2%
Put %: 4.6%
Chain Summary
Chain Volume: 5,156
Chain OI: 14,177
Last Updated: 10/21/2026
Spread Scanner GPU
Each spread is ranked by a composite score built in three stages. Full documentation →
Stage 1 — Base Score (GPU scanner)
score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.
Stage 2 — Skew Adjustment (±25% cap)
RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.
Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
- RSI <40 bullish / >60 bearish
- MACD crossover + histogram trend
- Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
- Stochastic %K <20 / >80
- Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
- Blended ATR + straddle expected-move penalty
- Bollinger Band signal (+ counter-trend penalty)
- BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
- IV rank ≥ 75 → strong boost for credit spreads
- IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
- Min open interest across all legs
- OI < 100 → −0.10 · OI < 500 → −0.05
score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →
Enter a ticker to scan for optimal spread opportunities.
Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.
Dealer Positioning
LOW γ vs HISTORY
Estimated net dealer gamma is at the 4th percentile of this name's own daily history, near the low end of its range. This describes current positioning; it is not a forecast or a trading signal.
Gamma percentile
4%
vs own history
GEX tilt
-0.96
OI-weighted, today
Vanna tilt
+0.47
δ-sensitivity to IV
Charm tilt
-0.35
δ-decay vs time
Vanna tilt +0.47: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.35: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.
? What is this?
· 7 ATM contracts, 4k total OI
Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.
Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.
Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.
This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Wing vs ATM
IV(put wing) − IV(ATM), in vol pointsHow much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.
- Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
- Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
- Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
- Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each sideWhich side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.
- Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
- Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
- Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
- Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together
Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:
- High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
- Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
- Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d
—
—
pts
EXTREME
as of Oct 21 · No data
30 DTE / 10d
—
—
pts
EXTREME
as of Oct 21 · ATM 38.0% / Wing —
Extreme reading.
Historically these have been contrarian — on the small set of observed earnings-day cases, large negative wing-vs-ATM gaps (calls pricing much richer than puts at the same delta) preceded sharp drops in the underlying within 1-12 days. Not financial advice and the dataset is small.
Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.
Volatility Surface
Enter a ticker to render the implied volatility surface.
Volatility Smile
Enter a ticker to render the implied volatility smile.
IV Rank (7 DTE)
IV Rank (30 DTE)79.5HighOct 21
Straddle Price (30 DTE)$6.55Oct 21
Beta Analysis
Risk Metrics
Beta: 0.5707
Alpha: -1.11%
Correlation: 0.2548
R-Squared: 6.5%
Stock Volatility: 28.4%
Market Volatility: 12.7%
Analysis Details
Benchmark: SPY
Data Points: 251
Period: 252 trading days
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own CASH
5 of 37 tracked investors
| Investor | Value | Share of their portfolio | Rank | Q/Q shares | Source |
|---|---|---|---|---|---|
| Millennium Management Hedge fund Izzy Englander | $14.5M | #1337 of 3716 | +87.1% | 13F | |
| Citadel Hedge fund Ken Griffin | $8.6M | #1706 of 6285 | +123.6% | 13F | |
| Point72 Hedge fund Steve Cohen | $1.7M | #1340 of 1945 | new | 13F | |
| Renaissance Technologies Hedge fund Jim Simons | $871K | #2377 of 3138 | -78.3% | 13F | |
| Rockefeller Capital Management Family office Rockefeller family | $103K | #2978 of 4729 | +4.8% | 13F |
Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions
CASH Institutional Ownership (13F)
Latest filings — 2026-09-30
? 13F Guide
Diluted shares outstanding: 22,691,108 (as of 2026-03-31)
Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.
- Shares — long equity positions in this name, aggregated across share classes.
- Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
- % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
- Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.
Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.
2 filers$2.30M notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Wolverine Trading, LLC Custodian | $1.80M | 78.07% | 2025-09-30 |
| 2 | Susquehanna International Group, LLP Custodian | $504.95K | 21.93% | 2026-06-30 |
2 filers$435.30K notional
| # | Filer | Notional Value | % of Total | Period |
|---|---|---|---|---|
| 1 | Susquehanna International Group, LLP Custodian | $356.95K | 82.00% | 2026-06-30 |
| 2 | Simplex Trading, LLC Custodian | $78.35K | 18.00% | 2026-06-30 |
CASH Insider Trading (Form 4)
Latest: 2026-10-20Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
| Filed | Reporter | Role | Action | Shares | Avg Price | Net $ | Link |
|---|---|---|---|---|---|---|---|
| 2026-10-20 | Nadia Dombrowski | Chief Legal and Admin Officer | Tax (F) | −380 | $72.93 | -$27.7K | EDGAR |
| 2026-10-20 | Greg Sigrist | Chief Financial Officer | Tax (F) | −2,447 | $72.93 | -$178.5K | EDGAR |
| 2026-10-20 | Charles C. Ingram | EVP, Chief Info & Ops Officer | Tax (F) | −463 | $72.93 | -$33.8K | EDGAR |
| 2026-10-20 | Brett L. Pharr | Chief Executive Officer | Tax (F) | −2,063 | $72.93 | -$150.5K | EDGAR |
| 2026-10-20 | Anthony M. Sharett | President | Tax (F) | −758 | $72.93 | -$55.3K | EDGAR |
| 2026-09-08 | Becky S Shulman | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Douglas J. Hajek | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Christopher Perretta | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Lizabeth H Zlatkus | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Elizabeth G. Hoople | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Kendall E Stork | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Ronald D McCray | Director | Award (A) | +400 | — | EDGAR | |
| 2026-09-08 | Neeraj Mehta | Director | Award (A) | +400 | — | EDGAR | |
| 2026-06-08 | Eric Anthony Ferri | EVP, Chief Risk Officer | Award (A) | +8,638 | — | EDGAR | |
| 2026-06-01 | Elizabeth G. Hoople | Director | Sell (S) | −4,500 | $82.29 | -$370.3K | EDGAR |
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.
CASH Insider Holdings
16 insiders · @ $74.20
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
| # | Insider | Role | Shares | Disclosed Exposure | Lifetime OM Net | Filings | Last Filed |
|---|---|---|---|---|---|---|---|
| 1 | Brett L. Pharr | Chief Executive Officer | 76,812 | $5.70M | -$2.85M | 41 | 2026-10-20 |
| 2 | Anthony M. Sharett | President | 34,558 | $2.56M | -$1.31M | 37 | 2026-10-20 |
| 3 | Charles C. Ingram | EVP, Chief Info & Ops Officer | 30,835 | $2.29M | $51.3K | 21 | 2026-10-20 |
| 4 | Becky S Shulman | Director | 30,499 | $2.26M | $0 | 14 | 2026-09-08 |
| 5 | Elizabeth G. Hoople | Director | 28,450 | $2.11M | -$638.5K | 21 | 2026-09-08 |
| 6 | Kendall E Stork | Director | 21,553 | $1.60M | -$818.9K | 32 | 2026-09-08 |
| 7 | Lizabeth H Zlatkus | Director | 15,400 | $1.14M | $0 | 9 | 2026-09-08 |
| 8 | Greg Sigrist | Chief Financial Officer | 15,329 | $1.14M | -$181.3K | 8 | 2026-10-20 |
| 9 | Ronald D McCray | Director | 14,557 | $1.08M | $0 | 10 | 2026-09-08 |
| 10 | Douglas J. Hajek | Director | 12,681 | $940.9K | -$917.0K | 32 | 2026-09-08 |
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.
CASH Board & Officers
As of SEC filings through Oct 20, 2026Directors 9
- Douglas J. Hajek · since Nov 13, 2013
- Elizabeth G. Hoople · since Oct 27, 2014
- Kendall E Stork · since Jun 27, 2016
- Becky S Shulman · since Sep 30, 2016
- Lizabeth H Zlatkus · since Feb 23, 2021
- Ronald D McCray · since Feb 23, 2021
- Brett L. Pharr · listed since Mar 2022
- Christopher Perretta · since Feb 28, 2023
- Neeraj Mehta · since Feb 27, 2024
Officers 8
- Brett L. Pharr · Chief Executive Officer · listed since Oct 2021
- Anthony M. Sharett · President · listed since Oct 2021
- Greg Sigrist · Chief Financial Officer · listed since Mar 2024
- Jennifer W. Warren · SVP, Chief Accounting Officer · since Feb 24, 2021
- Nadia Dombrowski · Chief Legal and Admin Officer · listed since Mar 2023
- Anjana Thatte Berde · Chief People & Culture Officer · listed since Mar 2025
- Charles C. Ingram · EVP, Chief Info & Ops Officer · listed since Oct 2025
- Eric Anthony Ferri · Chief Risk Officer · since Apr 20, 2026
Changes in the last 10 years (48)
| Apr 20, 2026 | Eric Anthony Ferri became Chief Risk Officer |
| Oct 17, 2025 | Charles C. Ingram listed as EVP, Chief Info & Ops Officer (previously EVP, Chief Information Officer) in SEC filings |
| Mar 26, 2025 | Anjana Thatte Berde listed as Chief People & Culture Officer (previously EVP, Cpco) in SEC filings |
| Feb 3, 2025 | Anjana Thatte Berde became EVP, Cpco |
| Mar 5, 2024 | Greg Sigrist listed as Chief Financial Officer (previously EVP, CFO-Designee) in SEC filings |
| Feb 27, 2024 | Neeraj Mehta became a director |
| Nov 1, 2023 | Greg Sigrist became EVP, CFO-Designee |
| Mar 16, 2023 | Nadia Dombrowski listed as Chief Legal and Admin Officer (previously Chief Legal Officer) in SEC filings |
| Feb 28, 2023 | Christopher Perretta became a director |
| Oct 27, 2022 | The company announced the departure of Glen William Herrick as EVP, CFO in an SEC filing |
| Oct 4, 2022 | Sonja Anne Theisen listed as EVP, GRC Officer (previously EVP, Chief Risk Officer) in SEC filings |
| Aug 1, 2022 | Nadia Dombrowski listed as Chief Legal Officer (previously EVP, Chief Legal Officer) in SEC filings |
| Mar 1, 2022 | Brett L. Pharr first listed as a director in an SEC filing |
| Jan 6, 2022 | Nadia Dombrowski became EVP, Chief Legal Officer |
| Oct 19, 2021 | Brett L. Pharr listed as Chief Executive Officer (previously Co-Pres & Chief Oper Off of MB) in SEC filings |
| Oct 19, 2021 | Anthony M. Sharett listed as President (previously EVP Chief Legal&Comp, Corp Sec) in SEC filings |
| Oct 13, 2021 | Sonja Anne Theisen listed as EVP, Chief Risk Officer (previously SVP, Chief Accounting Officer) in SEC filings |
| Oct 4, 2021 | Bradley C Hanson no longer listed as President & CEO in SEC filings |
| Mar 25, 2021 | Kia S. Tang listed as EVP, Chief Ppl and Incl Ofcr (previously Chief DEI & People Officer) in SEC filings |
| Feb 24, 2021 | Jennifer W. Warren became SVP, Chief Accounting Officer |
| Feb 23, 2021 | Ronald D McCray became a director |
| Feb 23, 2021 | Lizabeth H Zlatkus became a director |
| Feb 22, 2021 | Kia S. Tang became Chief DEI & People Officer |
| Nov 10, 2020 | Charles C. Ingram listed as EVP, Chief Information Officer (previously Chief Information Officer) in SEC filings |
| Oct 19, 2020 | Anthony M. Sharett listed as EVP Chief Legal&Comp, Corp Sec (previously EVP, Chief Legal & Compliance) in SEC filings |
| Oct 6, 2020 | Glen William Herrick listed as EVP, CFO (previously EVP, CFO & Secretary) in SEC filings |
| Oct 6, 2020 | Bradley C Hanson first listed as a director in an SEC filing |
| Jul 31, 2020 | Bradley C Hanson no longer listed as a director in SEC filings |
| Jun 25, 2020 | Brett L. Pharr listed as Co-Pres & Chief Oper Off of MB (previously EVP & Group Head of Governance) in SEC filings |
| Jun 25, 2020 | Anthony M. Sharett listed as EVP, Chief Legal & Compliance (previously EVP, Gen. Counsel & Corp. Sec.) in SEC filings |
| Mar 30, 2020 | Charles C. Ingram became Chief Information Officer |
| Jan 13, 2020 | Kathleen Winter became EVP & Chief People Officer |
| Nov 21, 2019 | Shelly Schneekloth listed as Chief Operations Officer (previously EVP and Head of Tech & Ops) in SEC filings |
| Nov 21, 2019 | Michael K Goik listed as EVP Commercial Finance (previously President of the Meta Commercial Finance Division) in SEC filings |
| Sep 23, 2019 | Anthony M. Sharett became EVP, Gen. Counsel & Corp. Sec. |
| Feb 25, 2019 | Brett L. Pharr became EVP & Group Head of Governance |
| Feb 1, 2019 | J Tyler Haahr reported in an SEC filing no longer being a director |
| Feb 1, 2019 | J Tyler Haahr reported in an SEC filing no longer being Chairman of the Board |
| Dec 6, 2018 | Lynn Bruchhof became an officer |
| Oct 31, 2018 | J Tyler Haahr listed as Chairman of the Board (previously Chairman of the Board & CEO) in SEC filings |
| Oct 31, 2018 | Bradley C Hanson listed as President & CEO (previously President) in SEC filings |
| Aug 1, 2018 | William David Tull became a director |
| Aug 1, 2018 | Michael Robert Kramer became a director |
| Aug 1, 2018 | Michael K Goik became President of the Meta Commercial Finance Division |
| Jan 22, 2018 | Michael Brent Turner became EVP & Head of Consumer Lending |
| Nov 13, 2017 | Shelly Schneekloth became EVP and Head of Tech & Ops |
| Sep 25, 2017 | Sheree Thornsberry became EVP, Head of Payments |
| Jan 4, 2017 | Bradley C Hanson listed as President (previously President of MetaBank) in SEC filings |
Not reported recently (12)
- Frederick V Moore · Last reported as a director in an SEC filing dated Jun 1, 2023
- Sonja Anne Theisen · Last reported as EVP, GRC Officer in an SEC filing dated Mar 16, 2023
- Michael Robert Kramer · Last reported as a director in an SEC filing dated Feb 3, 2023
- Kia S. Tang · Last reported as EVP, Chief Ppl and Incl Ofcr in an SEC filing dated Apr 13, 2022
- Bradley C Hanson · Last reported as a director in an SEC filing dated Feb 11, 2022
- Michael K Goik · Last reported as EVP Commercial Finance in an SEC filing dated Nov 16, 2020
- Sheree Thornsberry · Last reported as EVP, Head of Payments in an SEC filing dated Nov 10, 2020
- William David Tull · Last reported as a director in an SEC filing dated Nov 10, 2020
- Kathleen Winter · Last reported as EVP & Chief People Officer in an SEC filing dated Nov 10, 2020
- Shelly Schneekloth · Last reported as Chief Operations Officer in an SEC filing dated Oct 6, 2020
- Lynn Bruchhof · Last reported as an officer in an SEC filing dated Dec 17, 2018
- Michael Brent Turner · Last reported as EVP & Head of Consumer Lending in an SEC filing dated Jun 5, 2018
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.
CASH Proposed Insider Sales (Form 144)
Latest: 2026-05-29
? Form 144 Guide
Last 30d:
0 filings
· Last 90d:
0 filings
What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.
How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.
10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.
"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.
Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.
| Filed | Filer | Role | Shares | Notice Value | Planned Sale | Broker | Plan | Link |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | Hoople Elizabeth G. | Director | 4,500 | $370.7K | 2026-05-29 | Charles Schwab Corp. | — | EDGAR |
| 2026-04-29 | Hajek Douglas J. | Director | 5,000 | $440.7K | 2026-04-29 | Charles Schwab Corp | — | EDGAR |
| 2026-02-20 | Pharr Brett L. | Officer | 15,641 | $1.47M | 2026-02-20 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2026-02-09 | Stork Kendall E | Director | 3,000 | $282.2K | 2026-02-09 | Charles Schwab & Co | — | EDGAR |
| 2025-10-31 | Hajek Douglas J. | Director | 3,000 | $204.2K | 2025-10-31 | Charles Schwab & Co. | — | EDGAR |
| 2025-10-24 | Dombrowski Nadia | Officer | 5,000 | $355.7K | 2025-10-24 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2025-10-24 | Sharett Anthony M. | Officer | 11,500 | $822.9K | 2025-10-24 | Fidelity Brokerage Services LLC | — | EDGAR |
| 2025-04-29 | Stork Kendall E | Director | 4,000 | $318.4K | 2025-04-29 | Charles Schwab & Co., Inc. | — | EDGAR |
| 2025-04-25 | Hajek Douglas J. | Director | 1,850 | $145.8K | 2025-04-25 | Charles Schwab & Co. | — | EDGAR |
| 2025-04-24 | Pharr Brett L. | Officer | 10,365 | $813.5K | 2025-04-24 | Fidelity Brokerage Services LLC | — | EDGAR |
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
121 ETFs hold CASH
25 shown · $460.65M total exposure · 0.11% AUM-weighted avg weight
| # | ETF | Provider | Weight | $ Exposure | ETF AUM | As Of |
|---|---|---|---|---|---|---|
| 1 | IJR iShares Core S&P Small-Cap ETF | iShares (BlackRock) | 0.09% | $92.0M | $103.1B | 2026-10-20 |
| 2 | AVUV Avantis U.S. Small Cap Value ETF | Avantis | 0.17% | $53.2M | $31.4B | 2026-10-20 |
| 3 | VTI Vanguard Morningstar Total Stock Market ETF | Vanguard | 0.00% | $47.9M | — | 2026-09-30 |
| 4 | IWM iShares Russell 2000 ETF | iShares (BlackRock) | 0.05% | $39.0M | $75.1B | 2026-10-20 |
| 5 | KRE State Street® SPDR® S&P® Regional Banking ETF | SPDR (State Street) | 0.62% | $24.6M | $4.0B | 2026-10-20 |
| 6 | DFAT Dimensional US Targeted Value ETF | Dimensional | 0.08% | $23.4M | — | 2026-10-20 |
| 7 | VXF Vanguard Extended Market ETF | Vanguard | 0.02% | $16.7M | — | 2026-09-30 |
| 8 | DFAS Dimensional US Small Cap ETF | Dimensional | 0.05% | $16.6M | — | 2026-10-20 |
| 9 | DFMC Dimensional US Micro Cap ETF | Dimensional | 0.20% | $15.3M | — | 2026-10-20 |
| 10 | SPSM State Street® SPDR® Portfolio S&P 600™ Small Cap ETF | SPDR (State Street) | 0.09% | $14.0M | $15.7B | 2026-10-20 |
| 11 | IJT iShares S&P Small-Cap 600 Growth ETF | iShares (BlackRock) | 0.18% | $13.8M | $7.6B | 2026-10-20 |
| 12 | OSCV Opus Small Cap Value ETF | Nport | 1.92% | $13.5M | — | 2026-07-31 |
| 13 | KBE State Street® SPDR® S&P® Bank ETF | SPDR (State Street) | 0.91% | $13.1M | $1.4B | 2026-10-20 |
| 14 | IWO iShares Russell 2000 Growth ETF | iShares (BlackRock) | 0.08% | $10.5M | $13.6B | 2026-10-20 |
| 15 | VTWO Vanguard Russell 2000 ETF | Vanguard | 0.05% | $8.8M | — | 2026-09-30 |
| 16 | SLYG State Street® SPDR® S&P 600™ Small Cap Growth ETF | SPDR (State Street) | 0.19% | $8.7M | $4.6B | 2026-10-20 |
| 17 | BSVO EA Bridgeway Omni Small-Cap Value ETF | Nport | 0.36% | $8.7M | — | 2026-06-30 |
| 18 | SCHA Schwab U.S. Small-Cap ETF | Nport | 0.04% | $8.6M | — | 2026-05-31 |
| 19 | DFAC Dimensional US Core Equity 2 ETF | Dimensional | 0.01% | $6.8M | — | 2026-10-20 |
| 20 | SMLF iShares U.S. Small-Cap Equity Factor ETF | iShares (BlackRock) | 0.14% | $5.7M | $4.2B | 2026-10-20 |
| 21 | VIOO Vanguard S&P Small-Cap 600 ETF | Vanguard | 0.09% | $5.2M | — | 2026-09-30 |
| 22 | PSC Principal U.S. Small-Cap ETF | Nport | 0.18% | $4.3M | — | 2026-06-30 |
| 23 | FYX First Trust Small Cap Core AlphaDEX® Fund | First Trust | 0.26% | $3.5M | $1.4B | 2026-10-20 |
| 24 | DCOR Dimensional US Core Equity 1 ETF | Dimensional | 0.01% | $3.5M | — | 2026-10-20 |
| 25 | FNDA Schwab Fundamental U.S. Small Company ETF | Nport | 0.04% | $3.3M | — | 2026-05-31 |
Fundamentals
Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.
Metrics
- Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
- Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
- Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
- Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
- Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
- YoY growth — compare to the same quarter a year earlier to remove seasonality.
- Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
- Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.
TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.
Trailing P/E
8.80
TTM Diluted EPS
$8.43
TTM Revenue
$842.27M
TTM Net Income
$188.67M
TTM Op. Cash Flow
$675.28M
Quarterly figures (12 quarters)
| Quarter | Period End | Revenue | Net Income | Diluted EPS | Op. Cash Flow |
|---|---|---|---|---|---|
| Q2 '26 | 2026-03-31 | $282.06M | $72.84M | $3.35 | $232.95M |
| Q1 '26 | 2025-12-31 | $174.99M | $35.17M | $1.57 | $108.30M |
| Q4 '25 | 2025-09-30 | $188.20M | $38.66M | $1.70 | $303.66M |
| Q3 '25 | 2025-06-30 | $197.03M | $41.99M | $1.81 | $30.36M |
| Q2 '25 | 2025-03-31 | $280.53M | $74.69M | $3.14 | $188.33M |
| Q1 '25 | 2024-12-31 | $185.74M | $29.97M | $1.23 | $-71.73M |
| Q4 '24 | 2024-09-30 | $183.35M | $33.17M | $1.35 | $143.12M |
| Q3 '24 | 2024-06-30 | $191.70M | $44.41M | $1.78 | $113.18M |
| Q2 '24 | 2024-03-31 | $266.04M | $69.36M | $2.74 | $202.98M |
| Q1 '24 | 2023-12-31 | $177.55M | $34.62M | $1.34 | $29.53M |
| Q4 '23 | 2023-09-30 | $165.69M | $35.37M | $1.37 | $114.46M |
| Q3 '23 | 2023-06-30 | $167.08M | $44.41M | $1.68 | $4.82M |
Q2 2026 • period ending 2026-03-31 • filed 2026-05-07
Valuation
Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.
Price Multiples
- P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
- P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
- P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
- EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
- EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
- ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
- ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
- Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
- FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
- Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
- Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
- Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
- Multiples expanding while earnings are flat = sentiment-driven rally.
- Multiples compressing while earnings grow = value coming from fundamentals.
P/E
8.80
P/B
1.98
P/S
2.00
EV/EBITDA
6.79
EV/Sales
1.85
ROE
22.2%
ROA
2.7%
Div Yield
0.29%
FCF Yield
40.11%
Debt/Equity
0.04
Current Ratio
—
Market Cap
$1.68B
as of 2026-10-21
Short Interest & Float
Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.
Metric definitions
- Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
- SI % of Float — short interest / free float. The key crowding metric.
- Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
- Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
- Free Float — shares available for public trading (total shares minus insider / restricted).
- Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
- SI % of Float < 5% — typical, no particular signal.
- 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
- 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
- >30% — extreme; borrow is likely expensive and squeeze risk is material.
- Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
- Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
- A sudden drop in SI after a rally may indicate a squeeze in progress.
Short interest is reported mid-month and end-of-month; short volume is daily.
Short Interest
2.87M
SI % of Float
14.01%
Days to Cover
11.59
Short Vol Ratio
60.4%
Free Float
20.48M
Float %
98.6%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-07