Exploring Pathward Financial And Two More Undiscovered Gems With Solid Fundamentals
As the broader U.S. market experiences fluctuations, with tech stocks tumbling and small-cap stocks like those in the Russell 2000 index showing resilience by jumping 3.6% in a recent session, investors are increasingly focusing on less prominent companies with solid fundamentals. In this context, exploring companies such as Pathward Financial can offer intriguing opportunities given their potential for growth amidst current economic conditions influenced by anticipated shifts in monetary policy.
Top 10 Undiscovered Gems With Strong Fundamentals In The United States
Name | Debt To Equity | Revenue Growth | Earnings Growth | Health Rating |
|---|---|---|---|---|
River Financial | 131.04% | 17.59% | 20.70% | ★★★★★★ |
Morris State Bancshares | 14.93% | 0.44% | 7.74% | ★★★★★★ |
Omega Flex | NA | 2.13% | 4.77% | ★★★★★★ |
First Northern Community Bancorp | NA | 6.68% | 9.08% | ★★★★★★ |
Teekay | NA | -8.88% | 49.65% | ★★★★★★ |
Mission Bancorp | 25.37% | 16.23% | 20.16% | ★★★★★★ |
Gravity | NA | 15.31% | 24.42% | ★★★★★★ |
FirstSun Capital Bancorp | 27.36% | 10.54% | 30.73% | ★★★★★★ |
CSP | 2.17% | -5.57% | 73.73% | ★★★★★☆ |
FRMO | 0.19% | 6.49% | 15.82% | ★★★★☆☆ |
Let's explore several standout options from the results in the screener.
Pathward Financial
Simply Wall St Value Rating: ★★★★★★
Overview: Pathward Financial, Inc. serves as the bank holding company for Pathward, National Association, offering a range of banking products and services across the United States, with a market capitalization of approximately $1.55 billion.
Operations: The company generates its revenue primarily through three segments: Consumer, Commercial, and Corporate Services. It consistently achieves a gross profit margin of 100%, reflecting no cost of goods sold across its reporting periods.
Pathward Financial, often overlooked, presents a compelling case as an investment gem with its significant earnings growth of 36% over the past year outpacing the industry's -14.4% contraction. Trading at 48.1% below its estimated fair value, it holds a robust financial position with total assets of $7.4B and a low non-performing loans ratio at 0.8%. Additionally, the company repurchased shares worth $258.4M since 2021, underscoring confidence in its operational stability and future prospects despite forecasts suggesting a potential average earnings decline of 5.4% annually over the next three years.
Pathward Financial
Simply Wall St Value Rating: ★★★★★★
Overview: Pathward Financial, Inc. serves as the bank holding company for Pathward, National Association, offering a range of banking products and services across the United States, with a market capitalization of approximately $1.55 billion.
Operations: The company generates its revenue primarily through three segments: Consumer, Commercial, and Corporate Services. It consistently achieves a gross profit margin of 100%, reflecting no cost of goods sold across its reporting periods.
Pathward Financial, often overlooked, presents a compelling case as an investment gem with its significant earnings growth of 36% over the past year outpacing the industry's -14.4% contraction. Trading at 48.1% below its estimated fair value, it holds a robust financial position with total assets of $7.4B and a low non-performing loans ratio at 0.8%. Additionally, the company repurchased shares worth $258.4M since 2021, underscoring confidence in its operational stability and future prospects despite forecasts suggesting a potential average earnings decline of 5.4% annually over the next three years.
Republic Bancorp
Simply Wall St Value Rating: ★★★★★★
Overview: Republic Bancorp, Inc. serves as a bank holding company for Republic Bank & Trust Company, offering a range of banking products and services across the United States, with a market capitalization of $1.14 billion.
Operations: Republic Bancorp generates revenue through diverse banking services, including traditional banking and warehouse lending under its Core Banking segments, alongside specialized financial solutions such as tax refunds, credit, and payment processing within its Republic Processing Group (RPG). These operations consistently exhibit a gross profit margin of 100%, reflecting the absence of cost of goods sold across all reporting periods.
Republic Bancorp, a lesser-known yet robust player in the banking sector, showcases strong financial health with $6.9B in total assets and a solid equity base of $935.6M. The company has effectively managed its risk profile, maintaining a low bad loans ratio at 0.4% and ensuring a sufficient allowance for these loans at 509%. Notably, Republic Bancorp's strategic focus on customer deposits as its primary funding source underscores its stability and potential for growth, supported by an impressive net interest margin of 4.9%.
Click here to discover the nuances of Republic Bancorp with our detailed analytical health report.
Assess Republic Bancorp's past performance with our detailed historical performance reports.
Republic Bancorp
Simply Wall St Value Rating: ★★★★★★
Overview: Republic Bancorp, Inc. serves as a bank holding company for Republic Bank & Trust Company, offering a range of banking products and services across the United States, with a market capitalization of $1.14 billion.
Operations: Republic Bancorp generates revenue through diverse banking services, including traditional banking and warehouse lending under its Core Banking segments, alongside specialized financial solutions such as tax refunds, credit, and payment processing within its Republic Processing Group (RPG). These operations consistently exhibit a gross profit margin of 100%, reflecting the absence of cost of goods sold across all reporting periods.
Republic Bancorp, a lesser-known yet robust player in the banking sector, showcases strong financial health with $6.9B in total assets and a solid equity base of $935.6M. The company has effectively managed its risk profile, maintaining a low bad loans ratio at 0.4% and ensuring a sufficient allowance for these loans at 509%. Notably, Republic Bancorp's strategic focus on customer deposits as its primary funding source underscores its stability and potential for growth, supported by an impressive net interest margin of 4.9%.
Click here to discover the nuances of Republic Bancorp with our detailed analytical health report.
Assess Republic Bancorp's past performance with our detailed historical performance reports.
Metropolitan Bank Holding
Simply Wall St Value Rating: ★★★★★★
Overview: Metropolitan Bank Holding Corp., functioning as the bank holding company for Metropolitan Commercial Bank, offers a variety of business, commercial, and retail banking solutions to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area with a market capitalization of $564.01 million.
Operations: The company operates in the banking sector, generating a consistent gross profit margin of 100% over multiple periods by maintaining revenue solely from banking activities, which totaled $239.78 million as of the latest reporting period. Its primary expenses are operational, including significant general and administrative costs, which have steadily increased to $119.80 million in the most recent report.
Metropolitan Bank Holding Corp., recently dropped from several Russell indexes, remains a compelling entity with its robust financial health and growth potential. With $7.5B in assets and a strong focus on low-risk funding—92% from customer deposits—the bank boasts a sufficient bad loan allowance at 113% of total loans. Impressively, its earnings outpaced the banking industry's average last year by over 18%, highlighting its resilience and operational efficiency in challenging markets.
Metropolitan Bank Holding
Simply Wall St Value Rating: ★★★★★★
Overview: Metropolitan Bank Holding Corp., functioning as the bank holding company for Metropolitan Commercial Bank, offers a variety of business, commercial, and retail banking solutions to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area with a market capitalization of $564.01 million.
Operations: The company operates in the banking sector, generating a consistent gross profit margin of 100% over multiple periods by maintaining revenue solely from banking activities, which totaled $239.78 million as of the latest reporting period. Its primary expenses are operational, including significant general and administrative costs, which have steadily increased to $119.80 million in the most recent report.
Metropolitan Bank Holding Corp., recently dropped from several Russell indexes, remains a compelling entity with its robust financial health and growth potential. With $7.5B in assets and a strong focus on low-risk funding—92% from customer deposits—the bank boasts a sufficient bad loan allowance at 113% of total loans. Impressively, its earnings outpaced the banking industry's average last year by over 18%, highlighting its resilience and operational efficiency in challenging markets.
Summing It All Up
Embark on your investment journey to our 227 US Undiscovered Gems With Strong Fundamentals selection here.
Got skin in the game with these stocks? Elevate how you manage them by using Simply Wall St's portfolio, where intuitive tools await to help optimize your investment outcomes.
Join a community of smart investors by using Simply Wall St. It's free and delivers expert-level analysis on worldwide markets.
Seeking Other Investments?
Explore high-performing small cap companies that haven't yet garnered significant analyst attention.
Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management.
Find companies with promising cash flow potential yet trading below their fair value.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include NasdaqGS:CASH NasdaqGS:RBCA.A and NYSE:MCB.
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email [email protected]