Timberland Bancorp (NASDAQ:TSBK) vs. Pathward Financial (NASDAQ:CASH) Financial Survey

Pathward Financial (NASDAQ:CASH – Get Free Report) and Timberland Bancorp (NASDAQ:TSBK – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, dividends, valuation, institutional ownership and profitability.

Pathward Financial has a beta of 0.6, indicating that its stock price is 40% less volatile than the S&P 500. Comparatively, Timberland Bancorp has a beta of 0.31, indicating that its stock price is 69% less volatile than the S&P 500.

This table compares Pathward Financial and Timberland Bancorp’s net margins, return on equity and return on assets.

This is a summary of recent ratings and recommmendations for Pathward Financial and Timberland Bancorp, as reported by MarketBeat.com.

Pathward Financial presently has a consensus price target of $101.00, suggesting a potential upside of 37.41%. Given Pathward Financial’s higher probable upside, analysts clearly believe Pathward Financial is more favorable than Timberland Bancorp.

This table compares Pathward Financial and Timberland Bancorp”s revenue, earnings per share (EPS) and valuation.

Pathward Financial has higher revenue and earnings than Timberland Bancorp. Pathward Financial is trading at a lower price-to-earnings ratio than Timberland Bancorp, indicating that it is currently the more affordable of the two stocks.

92.7% of Pathward Financial shares are owned by institutional investors. Comparatively, 65.5% of Timberland Bancorp shares are owned by institutional investors. 1.4% of Pathward Financial shares are owned by company insiders. Comparatively, 3.6% of Timberland Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Pathward Financial beats Timberland Bancorp on 10 of the 18 factors compared between the two stocks.

Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, and money market savings accounts. The company also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, it issues prepaid cards; and offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, and commercial real estate loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, land development, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.

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