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AMAL vs CASH
Which Stock Would AI Choose? Amalgamated Financial Corp. (AMAL) vs. Pathward Financial, Inc. (CASH) Stock Comparison
Key Takeaways
- Different banking niches: AMAL is a mission-driven New York commercial and retail bank, while CASH is a fintech-focused banking-as-a-service (BaaS) provider and commercial finance lender.
- Diverging momentum: AMAL has delivered a strong roughly 80% 52-week advance, whereas CASH has been pressured by credit-quality concerns and is roughly flat over the past year.
- Valuation contrast: CASH trades at a lower forward price-to-earnings (P/E) multiple near 9x, while AMAL carries a modestly higher multiple near 11x with a more consistent earnings profile.
- Risk profile differs sharply: AMAL's stability contrasts with CASH's elevated non-performing loans (NPLs) and recent earnings volatility.
- Both are analyst-rated "Buy," but CASH shows a wider implied upside against a more uncertain near-term credit backdrop.
Introduction
This stock comparison examines two U.S.-listed financial institutions with very different business models, offering a useful lens for investors weighing steady regional-bank growth against higher-growth, higher-risk fintech infrastructure plays. Amalgamated Financial Corp. (AMAL) operates a full-service commercial and retail bank rooted in New York, while Pathward Financial, Inc. (CASH) powers prepaid cards, tax-refund advances, and embedded-finance partnerships. Comparing their relative performance and market positioning helps clarify how momentum, valuation, and risk trade off in today's environment, appealing to both income-oriented investors and those seeking exposure to the digital-banking economy.
AMAL Overview and Recent Performance
Amalgamated Financial Corp. (AMAL) is the holding company for Amalgamated Bank, a full-service commercial and retail bank founded in 1923 and headquartered in New York. It provides commercial and retail banking, investment management, and trust and custody services, with a client base that includes unions, nonprofits, and mission-aligned organizations. In recent market activity, AMAL has been a notable outperformer, with a roughly 80% 52-week advance and a strong year-to-date gain, supported by a low beta of about 0.8, indicating lower volatility than the broader market. Profitability remains solid, with return on equity (ROE) around 14% and healthy net margins. The shares trade near a forward P/E of approximately 11x with a dividend yield above 1%, and analysts polled by S&P Global maintain a consensus "Buy" rating with an average price target implying double-digit upside. Recent weeks have seen the stock consolidate below its 52-week high as broader regional-bank sentiment cooled.
CASH Overview and Recent Performance
Pathward Financial, Inc. (CASH), formerly Meta Financial Group, is a Sioux Falls, South Dakota-based bank that operates behind the scenes of the fintech economy. It provides banking-as-a-service (BaaS), prepaid debit cards, payment processing, and commercial finance, partnering with fintech firms that offer bank products without being banks themselves. In recent months, CASH's performance has been clouded by credit-quality concerns: non-performing loans rose sharply, provisions for credit losses increased, and a recent fiscal quarter produced earnings per share (EPS) that fell well short of consensus. Management trimmed near-term guidance while issuing stronger forward-year targets, and the company has continued aggressive share buybacks. The stock trades near a forward P/E of roughly 9x with a modest dividend yield, and analysts maintain a "Buy" consensus with an average price target suggesting meaningful implied upside, though near-term sentiment remains cautious around credit execution.
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Head-to-Head Comparison
The two companies diverge most clearly on business model and risk. AMAL generates the bulk of its income through traditional net interest income and deposit-driven banking, giving it a steadier earnings stream and lower volatility. CASH leans heavily on fee income from prepaid cards, tax-refund advances, and BaaS partnerships, which supports a historically elevated net interest margin (NIM) above 6-7% but exposes it to more cyclical and credit-sensitive revenue. Growth drivers also differ: AMAL benefits from disciplined balance-sheet expansion and niche client relationships, while CASH's growth depends on fintech partner wins and embedded-finance adoption. On recent momentum, AMAL has clearly led, while CASH has contended with rising NPLs, accounting restatements, and an earlier listing concern. Market sentiment reflects these differences, with AMAL rewarded for stability and CASH valued more cheaply in anticipation of a potential recovery.
Tickeron AI Verdict
Based on observable factors such as trend consistency, earnings stability, volatility, and credit positioning, Tickeron's AI would likely favor AMAL in the current environment. Its stronger relative performance, lower beta, consistent profitability, and absence of the credit deterioration currently pressuring CASH suggest a more favorable risk-adjusted trend profile. While CASH's lower valuation and higher analyst-implied upside present a potentially attractive recovery setup, its elevated non-performing loans and recent earnings volatility introduce greater uncertainty. The AI's assessment is probabilistic and rooted in trend and stability metrics rather than a fixed prediction, and it could shift as either company's fundamentals or market positioning evolve.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is AMAL is a StrongBuy and CASH is a Hold.
AMAL in upward trend: price rose above 50-day moving average on October 22, 2026
AMAL moved above its 50-day moving average on October 22, 2026 date and that indicates a change from a downward trend to an upward trend. In 29 of 37 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 78%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator suggests the stock price trend may be in a reversal from a downward trend to an upward trend. 35 of 54 cases where AMAL's Stochastic Oscillator exited the oversold zone resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 65%.
The 10-day moving average for AMAL crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 7 of 12 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 58%.
Following a +2.37% 3-day Advance, the price is estimated to grow further. Considering data from situations where AMAL advanced for three days, in 210 of 304 cases, the price rose further within the following month. The odds of a continued upward trend are 69%.
Bearish Trend Analysis
The 10-day RSI Indicator for AMAL moved out of overbought territory on October 30, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 33 similar instances where the indicator moved out of overbought territory. In 21 of the 33 cases, the stock moved lower in the following days. This puts the odds of a move lower at 64%.
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on AMAL as a result. In 57 of 93 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 61%.
The Moving Average Convergence Divergence Histogram (MACD) for AMAL turned negative on November 06, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 50 similar instances when the indicator turned negative. In 29 of the 50 cases the stock turned lower in the days that followed. This puts the odds of success at 58%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where AMAL declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 65%.
AMAL broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
The Aroon Indicator for AMAL entered a downward trend on October 16, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron PE Growth Rating for this company is 9 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 9 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 39 (best 1 - 100 worst), indicating steady price growth. AMAL’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 84 (best 1 - 100 worst) indicates that the company is slightly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.775) is normal, around the industry mean (1.262). P/E Ratio (13.111) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (1.030) is also within normal values, averaging (1.190). Dividend Yield (0.014) settles around the average of (0.035) among similar stocks. P/S Ratio (3.915) is also within normal values, averaging (3.738).
CASH sees MACD Histogram crosses below signal line
CASH saw its Moving Average Convergence Divergence Histogram (MACD) turn negative on November 11, 2026. This is a bearish signal that suggests the stock could decline going forward. Tickeron's A.I.dvisor looked at 45 instances where the indicator turned negative. In 34 of the 45 cases the stock moved lower in the days that followed. This puts the odds of a downward move at 76%.
Technical Analysis (Indicators)
Bearish Trend Analysis
The 10-day RSI Indicator for CASH moved out of overbought territory on October 27, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 39 similar instances where the indicator moved out of overbought territory. In 27 of the 39 cases, the stock moved lower in the following days. This puts the odds of a move lower at 69%.
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on CASH as a result. In 45 of 76 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 59%.
CASH moved below its 50-day moving average on November 10, 2026 date and that indicates a change from an upward trend to a downward trend.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where CASH declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 64%.
CASH broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
The 10-day moving average for CASH crossed bullishly above the 50-day moving average on November 03, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 8 of 14 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 57%.
Following a +2.10% 3-day Advance, the price is estimated to grow further. Considering data from situations where CASH advanced for three days, in 210 of 321 cases, the price rose further within the following month. The odds of a continued upward trend are 65%.
The Aroon Indicator entered an Uptrend today. In 141 of 242 cases where CASH Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 58%.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 16 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 33 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 53 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.862) is normal, around the industry mean (1.262). P/E Ratio (9.497) is within average values for comparable stocks, (13.479). Projected Growth (PEG Ratio) (0.300) is also within normal values, averaging (1.190). Dividend Yield (0.003) settles around the average of (0.035) among similar stocks. P/S Ratio (2.525) is also within normal values, averaging (3.738).
The Tickeron Price Growth Rating for this company is 57 (best 1 - 100 worst), indicating fairly steady price growth. CASH’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 67 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. CASH’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock worse than average.
AMAL | CASH | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 42 | 32 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 84 Overvalued | 53 Fair valued | |
PROFIT vs RISK RATING 1..100 | 9 | 67 | |
SMR RATING 1..100 | 20 | 16 | |
PRICE GROWTH RATING 1..100 | 39 | 57 | |
P/E GROWTH RATING 1..100 | 9 | 33 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
CASH's Valuation (53) in the Savings Banks industry is in the same range as AMAL (84) in the Regional Banks industry. This means that CASH’s stock grew similarly to AMAL’s over the last 12 months.
AMAL's Profit vs Risk Rating (9) in the Regional Banks industry is somewhat better than the same rating for CASH (67) in the Savings Banks industry. This means that AMAL’s stock grew somewhat faster than CASH’s over the last 12 months.
CASH's SMR Rating (16) in the Savings Banks industry is in the same range as AMAL (20) in the Regional Banks industry. This means that CASH’s stock grew similarly to AMAL’s over the last 12 months.
AMAL's Price Growth Rating (39) in the Regional Banks industry is in the same range as CASH (57) in the Savings Banks industry. This means that AMAL’s stock grew similarly to CASH’s over the last 12 months.
AMAL's P/E Growth Rating (9) in the Regional Banks industry is in the same range as CASH (33) in the Savings Banks industry. This means that AMAL’s stock grew similarly to CASH’s over the last 12 months.
| AMAL | CASH | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 64% | 1 day ago 69% |
| Stochastic ODDS (%) | 1 day ago 65% | 1 day ago 69% |
| Momentum ODDS (%) | 1 day ago 61% | 1 day ago 59% |
| MACD ODDS (%) | 1 day ago 58% | 1 day ago 76% |
| TrendWeek ODDS (%) | 1 day ago 63% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 69% | 1 day ago 62% |
| Advances ODDS (%) | 3 days ago 69% | 17 days ago 65% |
| Declines ODDS (%) | 1 day ago 65% | 6 days ago 64% |
| BollingerBands ODDS (%) | 1 day ago 63% | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 65% | 1 day ago 58% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
AMAL’s FA Score shows that 3 FA rating(s) are green while CASH’s FA Score has 1 green FA rating(s).
- AMAL’s FA Score: 3 green, 2 red.
- CASH’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
AMAL’s TA Score shows that 4 TA indicator(s) are bullish while CASH’s TA Score has 3 bullish TA indicator(s).
- AMAL’s TA Score: 4 bullish, 6 bearish.
- CASH’s TA Score: 3 bullish, 6 bearish.
Price Growth
AMAL (@Regional Banks) experienced а -1.42% price change this week, while CASH (@Regional Banks) price change was -2.76% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.16%. For the same industry, the average monthly price growth was +2.48%, and the average quarterly price growth was +11.87%.
Reported Earning Dates
AMAL is expected to report earnings on Jan 28, 2027.
CASH is expected to report earnings on Jan 27, 2027.
Industries' Descriptions
@Regional Banks (-1.16% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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AMAL and
Correlation & Price change
A.I.dvisor indicates that over the last year, AMAL has been closely correlated with BY. These tickers have moved in lockstep 79% of the time. This A.I.-generated data suggests there is a high statistical probability that if AMAL jumps, then BY could also see price increases.
| Ticker / NAME | Correlation To AMAL | 1D Price Change % | ||
|---|---|---|---|---|
| AMAL | 100% | -0.20% | ||
| BY - AMAL | 79% Closely correlated | +0.85% | ||
| IBCP - AMAL | 78% Closely correlated | +0.27% | ||
| STBA - AMAL | 77% Closely correlated | -0.89% | ||
| FULT - AMAL | 76% Closely correlated | N/A | ||
| EFSC - AMAL | 76% Closely correlated | +0.21% | ||
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CASH and
Correlation & Price change
A.I.dvisor indicates that over the last year, CASH has been loosely correlated with FRME. These tickers have moved in lockstep 63% of the time. This A.I.-generated data suggests there is some statistical probability that if CASH jumps, then FRME could also see price increases.
| Ticker / NAME | Correlation To CASH | 1D Price Change % | ||
|---|---|---|---|---|
| CASH | 100% | +0.04% | ||
| FRME - CASH | 63% Loosely correlated | -0.32% | ||
| SSB - CASH | 63% Loosely correlated | -0.43% | ||
| AMAL - CASH | 62% Loosely correlated | -0.20% | ||
| ONB - CASH | 62% Loosely correlated | N/A | ||
| INDB - CASH | 60% Loosely correlated | -0.22% | ||
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