vs
Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Limbach Holdings, Inc. (LMB). Click either name above to swap in a different company.
Limbach Holdings, Inc. is the larger business by last-quarter revenue ($186.9M vs $173.1M, roughly 1.1× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs 6.6%, a 13.7% gap on every dollar of revenue. On growth, Limbach Holdings, Inc. posted the faster year-over-year revenue change (30.1% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $27.9M). Over the past eight quarters, Limbach Holdings, Inc.'s revenue compounded faster (25.3% CAGR vs -18.0%).
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.
Limbach Flugmotoren is a Chinese-owned company based in Germany that produces aircraft engines.
CASH vs LMB — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $186.9M |
| Net Profit | $35.2M | $12.3M |
| Gross Margin | — | 25.7% |
| Operating Margin | 24.6% | 9.4% |
| Net Margin | 20.3% | 6.6% |
| Revenue YoY | -0.2% | 30.1% |
| Net Profit YoY | 11.9% | 25.0% |
| EPS (diluted) | $1.57 | $1.01 |
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.
| Q4 25 | $173.1M | $186.9M | ||
| Q3 25 | $186.7M | $184.6M | ||
| Q2 25 | $195.8M | $142.2M | ||
| Q1 25 | $274.8M | $133.1M | ||
| Q4 24 | $182.6M | $143.7M | ||
| Q3 24 | $179.5M | $133.9M | ||
| Q2 24 | $188.6M | $122.2M | ||
| Q1 24 | $257.6M | $119.0M |
| Q4 25 | $35.2M | $12.3M | ||
| Q3 25 | $38.8M | $8.8M | ||
| Q2 25 | $42.1M | $7.8M | ||
| Q1 25 | $75.0M | $10.2M | ||
| Q4 24 | $30.0M | $9.8M | ||
| Q3 24 | $33.5M | $7.5M | ||
| Q2 24 | $44.9M | $6.0M | ||
| Q1 24 | $69.9M | $7.6M |
| Q4 25 | — | 25.7% | ||
| Q3 25 | — | 24.2% | ||
| Q2 25 | — | 28.0% | ||
| Q1 25 | — | 27.6% | ||
| Q4 24 | — | 30.3% | ||
| Q3 24 | — | 27.0% | ||
| Q2 24 | — | 27.4% | ||
| Q1 24 | — | 26.1% |
| Q4 25 | 24.6% | 9.4% | ||
| Q3 25 | 25.9% | 7.2% | ||
| Q2 25 | 24.1% | 7.5% | ||
| Q1 25 | 33.2% | 5.9% | ||
| Q4 24 | 19.8% | 9.1% | ||
| Q3 24 | 20.9% | 8.1% | ||
| Q2 24 | 27.1% | 6.7% | ||
| Q1 24 | 33.8% | 5.5% |
| Q4 25 | 20.3% | 6.6% | ||
| Q3 25 | 20.8% | 4.8% | ||
| Q2 25 | 21.5% | 5.5% | ||
| Q1 25 | 27.3% | 7.7% | ||
| Q4 24 | 16.4% | 6.9% | ||
| Q3 24 | 18.7% | 5.6% | ||
| Q2 24 | 23.8% | 4.9% | ||
| Q1 24 | 27.1% | 6.4% |
| Q4 25 | $1.57 | $1.01 | ||
| Q3 25 | $1.69 | $0.73 | ||
| Q2 25 | $1.81 | $0.64 | ||
| Q1 25 | $3.14 | $0.85 | ||
| Q4 24 | $1.23 | $0.81 | ||
| Q3 24 | $1.34 | $0.62 | ||
| Q2 24 | $1.78 | $0.50 | ||
| Q1 24 | $2.74 | $0.64 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $331.2M | $11.3M |
| Total DebtLower is stronger | $33.5M | $30.5M |
| Stockholders' EquityBook value | $854.5M | $195.7M |
| Total Assets | $7.6B | $381.1M |
| Debt / EquityLower = less leverage | 0.04× | 0.16× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $11.3M | ||
| Q3 25 | $120.6M | $9.8M | ||
| Q2 25 | $258.3M | $38.9M | ||
| Q1 25 | $254.2M | $38.1M | ||
| Q4 24 | $597.4M | $44.9M | ||
| Q3 24 | $158.3M | $51.2M | ||
| Q2 24 | $298.9M | $59.5M | ||
| Q1 24 | $347.9M | $48.2M |
| Q4 25 | $33.5M | $30.5M | ||
| Q3 25 | $33.5M | $56.3M | ||
| Q2 25 | $33.4M | $28.4M | ||
| Q1 25 | $33.4M | $23.7M | ||
| Q4 24 | $33.4M | $23.6M | ||
| Q3 24 | $33.4M | $20.5M | ||
| Q2 24 | $33.3M | $19.7M | ||
| Q1 24 | $33.4M | $19.4M |
| Q4 25 | $854.5M | $195.7M | ||
| Q3 25 | $858.0M | $181.6M | ||
| Q2 25 | $819.0M | $170.5M | ||
| Q1 25 | $814.7M | $161.1M | ||
| Q4 24 | $758.3M | $153.5M | ||
| Q3 24 | $822.5M | $142.2M | ||
| Q2 24 | $748.4M | $133.0M | ||
| Q1 24 | $719.5M | $125.5M |
| Q4 25 | $7.6B | $381.1M | ||
| Q3 25 | $7.2B | $409.1M | ||
| Q2 25 | $7.2B | $343.0M | ||
| Q1 25 | $7.0B | $336.4M | ||
| Q4 24 | $7.6B | $352.1M | ||
| Q3 24 | $7.5B | $324.4M | ||
| Q2 24 | $7.5B | $303.9M | ||
| Q1 24 | $7.4B | $289.2M |
| Q4 25 | 0.04× | 0.16× | ||
| Q3 25 | 0.04× | 0.31× | ||
| Q2 25 | 0.04× | 0.17× | ||
| Q1 25 | 0.04× | 0.15× | ||
| Q4 24 | 0.04× | 0.15× | ||
| Q3 24 | 0.04× | 0.14× | ||
| Q2 24 | 0.04× | 0.15× | ||
| Q1 24 | 0.05× | 0.15× |
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 | $108.3M | $28.1M |
| Free Cash FlowOCF − Capex | $104.1M | $27.9M |
| FCF MarginFCF / Revenue | 60.1% | 14.9% |
| Capex IntensityCapex / Revenue | 2.4% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.08× | 2.29× |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $41.9M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $28.1M | ||
| Q3 25 | $303.7M | $13.3M | ||
| Q2 25 | $30.4M | $2.0M | ||
| Q1 25 | $188.3M | $2.2M | ||
| Q4 24 | $-71.7M | $19.3M | ||
| Q3 24 | $143.1M | $4.9M | ||
| Q2 24 | $113.2M | $16.5M | ||
| Q1 24 | $203.0M | $-3.9M |
| Q4 25 | $104.1M | $27.9M | ||
| Q3 25 | $300.3M | $12.8M | ||
| Q2 25 | $27.7M | $1.2M | ||
| Q1 25 | $184.7M | $11.0K | ||
| Q4 24 | $-73.8M | $18.0M | ||
| Q3 24 | $138.8M | $4.6M | ||
| Q2 24 | $111.0M | $13.2M | ||
| Q1 24 | $201.3M | $-6.5M |
| Q4 25 | 60.1% | 14.9% | ||
| Q3 25 | 160.9% | 7.0% | ||
| Q2 25 | 14.1% | 0.8% | ||
| Q1 25 | 67.2% | 0.0% | ||
| Q4 24 | -40.4% | 12.5% | ||
| Q3 24 | 77.3% | 3.4% | ||
| Q2 24 | 58.8% | 10.8% | ||
| Q1 24 | 78.1% | -5.5% |
| Q4 25 | 2.4% | 0.1% | ||
| Q3 25 | 1.8% | 0.3% | ||
| Q2 25 | 1.4% | 0.6% | ||
| Q1 25 | 1.3% | 1.7% | ||
| Q4 24 | 1.1% | 0.9% | ||
| Q3 24 | 2.4% | 0.3% | ||
| Q2 24 | 1.2% | 2.7% | ||
| Q1 24 | 0.7% | 2.1% |
| Q4 25 | 3.08× | 2.29× | ||
| Q3 25 | 7.83× | 1.52× | ||
| Q2 25 | 0.72× | 0.26× | ||
| Q1 25 | 2.51× | 0.22× | ||
| Q4 24 | -2.39× | 1.96× | ||
| Q3 24 | 4.27× | 0.66× | ||
| Q2 24 | 2.52× | 2.77× | ||
| Q1 24 | 2.90× | -0.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASH
| Consumer | $103.0M | 59% |
| Payment Card And Deposit Fees | $30.1M | 17% |
| Other | $24.2M | 14% |
| Rental Income | $11.6M | 7% |
| Commercial | $4.2M | 2% |
LMB
| Owner Direct Relationships Segment | $145.0M | 78% |
| General Contractor Construction Manager Relationships Segment | $41.9M | 22% |
