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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 Hold 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 32 of 37 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 86%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on October 20, 2026. You may want to consider a long position or call options on AMAL as a result. In 66 of 92 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 72%.
The Moving Average Convergence Divergence (MACD) for AMAL just turned positive on October 16, 2026. Looking at past instances where AMAL's MACD turned positive, the stock continued to rise in 39 of 50 cases over the following month. The odds of a continued upward trend are 78%.
Following a +1.31% 3-day Advance, the price is estimated to grow further. Considering data from situations where AMAL advanced for three days, in 212 of 305 cases, the price rose further within the following month. The odds of a continued upward trend are 70%.
Bearish Trend Analysis
The RSI Oscillator demonstrated that the stock has entered the overbought zone. This may point to a price pull-back soon.
The Stochastic Oscillator has been in the overbought zone for 1 day. Expect a price pull-back in the near future.
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 66%.
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 7 (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 8 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 55, 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 40 (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 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 (1.802) is normal, around the industry mean (1.268). P/E Ratio (13.310) is within average values for comparable stocks, (13.372). 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).
The Tickeron Seasonality Score of 95 (best 1 - 100 worst) indicates that the company is significantly overvalued 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.
Momentum Indicator for CASH turns positive, indicating new upward trend
CASH saw its Momentum Indicator move above the 0 level on October 20, 2026. This is an indication that the stock could be shifting in to a new upward move. Traders may want to consider buying the stock or buying call options. Tickeron's A.I.dvisor looked at 76 similar instances where the indicator turned positive. In 58 of the 76 cases, the stock moved higher in the following days. The odds of a move higher are at 76%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The RSI Indicator points to a transition from a downward trend to an upward trend -- in cases where CASH's RSI Indicator exited the oversold zone, 17 of 30 resulted in an increase in price. Tickeron's analysis proposes that the odds of a continued upward trend are 57%.
The Moving Average Convergence Divergence (MACD) for CASH just turned positive on October 05, 2026. Looking at past instances where CASH's MACD turned positive, the stock continued to rise in 29 of 43 cases over the following month. The odds of a continued upward trend are 67%.
Following a +3.82% 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%.
Bearish Trend Analysis
The Stochastic Oscillator has been in the overbought zone for 2 days. Expect a price pull-back in the near future.
The 50-day moving average for CASH moved below the 200-day moving average on September 21, 2026. This could be a long-term bearish signal for the stock as the stock shifts to an 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.
The Aroon Indicator for CASH entered a downward trend on October 22, 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 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 Valuation Rating of 45 (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 (1.874) is normal, around the industry mean (1.268). P/E Ratio (9.558) is within average values for comparable stocks, (13.372). 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 Profit vs. Risk Rating rating for this company is 54 (best 1 - 100 worst), indicating well-balanced risk and returns. The average Profit vs. Risk Rating rating for the industry is 55, placing this stock slightly better than average.
The Tickeron Price Growth Rating for this company is 60 (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 Seasonality Score of 85 (best 1 - 100 worst) indicates that the company is significantly overvalued 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.
AMAL | CASH | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 37 | 27 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 84 Overvalued | 45 Fair valued | |
PROFIT vs RISK RATING 1..100 | 8 | 54 | |
SMR RATING 1..100 | 20 | 16 | |
PRICE GROWTH RATING 1..100 | 40 | 60 | |
P/E GROWTH RATING 1..100 | 7 | 33 | |
SEASONALITY SCORE 1..100 | 90 | 85 |
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 (45) in the Savings Banks industry is somewhat better than the same rating for AMAL (84) in the Regional Banks industry. This means that CASH’s stock grew somewhat faster than AMAL’s over the last 12 months.
AMAL's Profit vs Risk Rating (8) in the Regional Banks industry is somewhat better than the same rating for CASH (54) 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 (40) in the Regional Banks industry is in the same range as CASH (60) 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 (7) 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 62% | 1 day ago 57% |
| Stochastic ODDS (%) | 1 day ago 62% | 1 day ago 64% |
| Momentum ODDS (%) | 1 day ago 72% | 1 day ago 76% |
| MACD ODDS (%) | 1 day ago 78% | 1 day ago 67% |
| TrendWeek ODDS (%) | 1 day ago 67% | 1 day ago 64% |
| TrendMonth ODDS (%) | 1 day ago 69% | 1 day ago 61% |
| Advances ODDS (%) | 7 days ago 70% | 1 day ago 65% |
| Declines ODDS (%) | 16 days ago 66% | 9 days ago 64% |
| BollingerBands ODDS (%) | 1 day ago 61% | 1 day ago 63% |
| Aroon ODDS (%) | 1 day ago 72% | 1 day ago 63% |
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 3 TA indicator(s) are bullish while CASH’s TA Score has 4 bullish TA indicator(s).
- AMAL’s TA Score: 3 bullish, 3 bearish.
- CASH’s TA Score: 4 bullish, 4 bearish.
Price Growth
AMAL (@Regional Banks) experienced а +2.79% price change this week, while CASH (@Regional Banks) price change was +4.92% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.63%. For the same industry, the average monthly price growth was -0.03%, and the average quarterly price growth was +8.99%.
Reported Earning Dates
AMAL is expected to report earnings on Oct 22, 2026.
CASH is expected to report earnings on Jan 27, 2027.
Industries' Descriptions
@Regional Banks (+2.63% 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% | +5.21% | ||
| BY - AMAL | 79% Closely correlated | +1.60% | ||
| STBA - AMAL | 77% Closely correlated | +3.83% | ||
| FULT - AMAL | 76% Closely correlated | +3.64% | ||
| IBCP - AMAL | 76% Closely correlated | +2.70% | ||
| QCRH - AMAL | 76% Closely correlated | +3.59% | ||
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CASH and
Correlation & Price change
A.I.dvisor indicates that over the last year, CASH has been loosely correlated with SSB. 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 SSB could also see price increases.
| Ticker / NAME | Correlation To CASH | 1D Price Change % | ||
|---|---|---|---|---|
| CASH | 100% | +3.44% | ||
| SSB - CASH | 63% Loosely correlated | +2.37% | ||
| FRME - CASH | 62% Loosely correlated | +2.18% | ||
| AMAL - CASH | 62% Loosely correlated | +5.21% | ||
| ONB - CASH | 62% Loosely correlated | +2.32% | ||
| BY - CASH | 60% Loosely correlated | +1.60% | ||
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