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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and SANFILIPPO JOHN B & SON INC (JBSS). Click either name above to swap in a different company.
SANFILIPPO JOHN B & SON INC is the larger business by last-quarter revenue ($314.8M vs $276.3M, roughly 1.1× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 26.4% vs 5.7%, a 20.7% gap on every dollar of revenue. Over the past eight quarters, PATHWARD FINANCIAL, INC.'s revenue compounded faster (21.0% CAGR vs 7.6%).
Pathward Financial, Inc. is a U.S.-based banking and financial services company. It adopted its current name in 2022 after its parent, Meta Financial Group, sold the "Meta" trademark to Meta Platforms.
John B. Sanfilippo & Son Inc. (JBSS) is a leading US processor, marketer and distributor of high-quality tree nuts, peanuts, dried fruits, and value-added snack products. It serves retail, foodservice, and industrial ingredient customers primarily across North America, offering both branded and private label product lines.
CASH vs JBSS — Head-to-Head
Income Statement — Q2 FY2026 vs Q2 FY2026
| Metric | | |
|---|---|---|
| Revenue | $276.3M | $314.8M |
| Net Profit | $72.9M | $18.0M |
| Gross Margin | — | 18.8% |
| Operating Margin | — | 8.3% |
| Net Margin | 26.4% | 5.7% |
| Revenue YoY | — | 4.6% |
| Net Profit YoY | — | 32.1% |
| EPS (diluted) | $3.35 | $1.53 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $276.3M | — | ||
| Q4 25 | $173.1M | $314.8M | ||
| Q3 25 | $186.7M | $298.7M | ||
| Q2 25 | $195.8M | $269.1M | ||
| Q1 25 | $274.8M | $260.9M | ||
| Q4 24 | $182.6M | $301.1M | ||
| Q3 24 | $179.5M | $276.2M | ||
| Q2 24 | $188.6M | $269.6M |
| Q1 26 | $72.9M | — | ||
| Q4 25 | $35.2M | $18.0M | ||
| Q3 25 | $38.8M | $18.7M | ||
| Q2 25 | $42.1M | $13.5M | ||
| Q1 25 | $75.0M | $20.2M | ||
| Q4 24 | $30.0M | $13.6M | ||
| Q3 24 | $33.5M | $11.7M | ||
| Q2 24 | $44.9M | $10.0M |
| Q1 26 | — | — | ||
| Q4 25 | — | 18.8% | ||
| Q3 25 | — | 18.1% | ||
| Q2 25 | — | 18.1% | ||
| Q1 25 | — | 21.4% | ||
| Q4 24 | — | 17.4% | ||
| Q3 24 | — | 16.9% | ||
| Q2 24 | — | 18.5% |
| Q1 26 | — | — | ||
| Q4 25 | 24.6% | 8.3% | ||
| Q3 25 | 25.9% | 9.0% | ||
| Q2 25 | 24.1% | 7.5% | ||
| Q1 25 | 33.2% | 10.8% | ||
| Q4 24 | 19.8% | 6.4% | ||
| Q3 24 | 20.9% | 6.2% | ||
| Q2 24 | 27.1% | 5.4% |
| Q1 26 | 26.4% | — | ||
| Q4 25 | 20.3% | 5.7% | ||
| Q3 25 | 20.8% | 6.3% | ||
| Q2 25 | 21.5% | 5.0% | ||
| Q1 25 | 27.3% | 7.7% | ||
| Q4 24 | 16.4% | 4.5% | ||
| Q3 24 | 18.7% | 4.2% | ||
| Q2 24 | 23.8% | 3.7% |
| Q1 26 | $3.35 | — | ||
| Q4 25 | $1.57 | $1.53 | ||
| Q3 25 | $1.69 | $1.59 | ||
| Q2 25 | $1.81 | $1.15 | ||
| Q1 25 | $3.14 | $1.72 | ||
| Q4 24 | $1.23 | $1.16 | ||
| Q3 24 | $1.34 | $1.00 | ||
| Q2 24 | $1.78 | $0.85 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $157.6M | $2.4M |
| Total DebtLower is stronger | $59.5M | $28.8M |
| Stockholders' EquityBook value | $850.7M | $370.1M |
| Total Assets | $7.1B | $617.7M |
| Debt / EquityLower = less leverage | 0.07× | 0.08× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $157.6M | — | ||
| Q4 25 | $331.2M | $2.4M | ||
| Q3 25 | $120.6M | $714.0K | ||
| Q2 25 | $258.3M | $585.0K | ||
| Q1 25 | $254.2M | $1.3M | ||
| Q4 24 | $597.4M | $336.0K | ||
| Q3 24 | $158.3M | $442.0K | ||
| Q2 24 | $298.9M | $484.0K |
| Q1 26 | $59.5M | — | ||
| Q4 25 | $33.5M | $28.8M | ||
| Q3 25 | $33.5M | $29.8M | ||
| Q2 25 | $33.4M | $14.6M | ||
| Q1 25 | $33.4M | $5.8M | ||
| Q4 24 | $33.4M | $6.0M | ||
| Q3 24 | $33.4M | $6.2M | ||
| Q2 24 | $33.3M | $6.4M |
| Q1 26 | $850.7M | — | ||
| Q4 25 | $854.5M | $370.1M | ||
| Q3 25 | $858.0M | $362.8M | ||
| Q2 25 | $819.0M | $360.7M | ||
| Q1 25 | $814.7M | $346.6M | ||
| Q4 24 | $758.3M | $325.6M | ||
| Q3 24 | $822.5M | $310.8M | ||
| Q2 24 | $748.4M | $322.6M |
| Q1 26 | $7.1B | — | ||
| Q4 25 | $7.6B | $617.7M | ||
| Q3 25 | $7.2B | $598.7M | ||
| Q2 25 | $7.2B | $597.6M | ||
| Q1 25 | $7.0B | $590.0M | ||
| Q4 24 | $7.6B | $545.3M | ||
| Q3 24 | $7.5B | $519.4M | ||
| Q2 24 | $7.5B | $515.6M |
| Q1 26 | 0.07× | — | ||
| Q4 25 | 0.04× | 0.08× | ||
| Q3 25 | 0.04× | 0.08× | ||
| Q2 25 | 0.04× | 0.04× | ||
| Q1 25 | 0.04× | 0.02× | ||
| Q4 24 | 0.04× | 0.02× | ||
| Q3 24 | 0.04× | 0.02× | ||
| Q2 24 | 0.04× | 0.02× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $62.5M |
| Free Cash FlowOCF − Capex | — | $40.0M |
| FCF MarginFCF / Revenue | — | 12.7% |
| Capex IntensityCapex / Revenue | — | 7.1% |
| Cash ConversionOCF / Net Profit | — | 3.48× |
| TTM Free Cash FlowTrailing 4 quarters | — | $32.8M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $108.3M | $62.5M | ||
| Q3 25 | $303.7M | $32.1M | ||
| Q2 25 | $30.4M | $36.5M | ||
| Q1 25 | $188.3M | $-25.9M | ||
| Q4 24 | $-71.7M | $11.0M | ||
| Q3 24 | $143.1M | $8.9M | ||
| Q2 24 | $113.2M | $35.2M |
| Q1 26 | — | — | ||
| Q4 25 | $104.1M | $40.0M | ||
| Q3 25 | $300.3M | $7.3M | ||
| Q2 25 | $27.7M | $23.0M | ||
| Q1 25 | $184.7M | $-37.6M | ||
| Q4 24 | $-73.8M | $-2.7M | ||
| Q3 24 | $138.8M | $-3.0M | ||
| Q2 24 | $111.0M | $24.4M |
| Q1 26 | — | — | ||
| Q4 25 | 60.1% | 12.7% | ||
| Q3 25 | 160.9% | 2.4% | ||
| Q2 25 | 14.1% | 8.6% | ||
| Q1 25 | 67.2% | -14.4% | ||
| Q4 24 | -40.4% | -0.9% | ||
| Q3 24 | 77.3% | -1.1% | ||
| Q2 24 | 58.8% | 9.0% |
| Q1 26 | — | — | ||
| Q4 25 | 2.4% | 7.1% | ||
| Q3 25 | 1.8% | 8.3% | ||
| Q2 25 | 1.4% | 5.0% | ||
| Q1 25 | 1.3% | 4.5% | ||
| Q4 24 | 1.1% | 4.5% | ||
| Q3 24 | 2.4% | 4.3% | ||
| Q2 24 | 1.2% | 4.0% |
| Q1 26 | — | — | ||
| Q4 25 | 3.08× | 3.48× | ||
| Q3 25 | 7.83× | 1.72× | ||
| Q2 25 | 0.72× | 2.70× | ||
| Q1 25 | 2.51× | -1.29× | ||
| Q4 24 | -2.39× | 0.81× | ||
| Q3 24 | 4.27× | 0.77× | ||
| Q2 24 | 2.52× | 3.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASH
| Noninterest Income | $151.2M | 55% |
| Net Interest Income | $125.1M | 45% |
JBSS
| Sales Channel Directly To Consumer | $263.2M | 84% |
| Sales Channel Commercial Ingredients | $28.0M | 9% |
| Sales Channel Contract Packaging | $23.6M | 8% |
