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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and TIDEWATER INC (TDW). Click either name above to swap in a different company.
TIDEWATER INC is the larger business by last-quarter revenue ($336.8M vs $173.1M, roughly 1.9× PATHWARD FINANCIAL, INC.). TIDEWATER INC runs the higher net margin — 65.3% vs 20.3%, a 45.0% gap on every dollar of revenue. On growth, PATHWARD FINANCIAL, INC. posted the faster year-over-year revenue change (-0.2% vs -2.4%). TIDEWATER INC produced more free cash flow last quarter ($147.8M vs $104.1M). Over the past eight quarters, TIDEWATER INC's revenue compounded faster (2.4% 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.
Tidewater, Inc. is a publicly traded international petroleum service company headquartered in Houston, Texas, U.S. It operates a fleet of ships, primarily providing vessels and marine services to the offshore petroleum and offshore wind industries.
CASH vs TDW — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $336.8M |
| Net Profit | $35.2M | $219.9M |
| Gross Margin | — | — |
| Operating Margin | 24.6% | 19.0% |
| Net Margin | 20.3% | 65.3% |
| Revenue YoY | -0.2% | -2.4% |
| Net Profit YoY | 11.9% | 495.8% |
| EPS (diluted) | $1.57 | $4.37 |
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 | $336.8M | ||
| Q3 25 | $186.7M | $341.1M | ||
| Q2 25 | $195.8M | $341.4M | ||
| Q1 25 | $274.8M | $333.4M | ||
| Q4 24 | $182.6M | $345.1M | ||
| Q3 24 | $179.5M | $340.4M | ||
| Q2 24 | $188.6M | $339.2M | ||
| Q1 24 | $257.6M | $321.2M |
| Q4 25 | $35.2M | $219.9M | ||
| Q3 25 | $38.8M | $-806.0K | ||
| Q2 25 | $42.1M | $72.9M | ||
| Q1 25 | $75.0M | $42.7M | ||
| Q4 24 | $30.0M | $36.9M | ||
| Q3 24 | $33.5M | $46.4M | ||
| Q2 24 | $44.9M | $50.4M | ||
| Q1 24 | $69.9M | $47.0M |
| Q4 25 | 24.6% | 19.0% | ||
| Q3 25 | 25.9% | 18.4% | ||
| Q2 25 | 24.1% | 23.7% | ||
| Q1 25 | 33.2% | 22.5% | ||
| Q4 24 | 19.8% | 23.6% | ||
| Q3 24 | 20.9% | 20.6% | ||
| Q2 24 | 27.1% | 23.0% | ||
| Q1 24 | 33.8% | 25.5% |
| Q4 25 | 20.3% | 65.3% | ||
| Q3 25 | 20.8% | -0.2% | ||
| Q2 25 | 21.5% | 21.4% | ||
| Q1 25 | 27.3% | 12.8% | ||
| Q4 24 | 16.4% | 10.7% | ||
| Q3 24 | 18.7% | 13.6% | ||
| Q2 24 | 23.8% | 14.8% | ||
| Q1 24 | 27.1% | 14.6% |
| Q4 25 | $1.57 | $4.37 | ||
| Q3 25 | $1.69 | $-0.02 | ||
| Q2 25 | $1.81 | $1.46 | ||
| Q1 25 | $3.14 | $0.83 | ||
| Q4 24 | $1.23 | $0.70 | ||
| Q3 24 | $1.34 | $0.87 | ||
| Q2 24 | $1.78 | $0.94 | ||
| Q1 24 | $2.74 | $0.89 |
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 | $578.8M |
| Total DebtLower is stronger | $33.5M | $670.1M |
| Stockholders' EquityBook value | $854.5M | $1.4B |
| Total Assets | $7.6B | $2.4B |
| Debt / EquityLower = less leverage | 0.04× | 0.49× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $578.8M | ||
| Q3 25 | $120.6M | $428.2M | ||
| Q2 25 | $258.3M | $369.4M | ||
| Q1 25 | $254.2M | $341.8M | ||
| Q4 24 | $597.4M | $324.9M | ||
| Q3 24 | $158.3M | $280.8M | ||
| Q2 24 | $298.9M | $315.9M | ||
| Q1 24 | $347.9M | $280.9M |
| Q4 25 | $33.5M | $670.1M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $647.9M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
| Q4 25 | $854.5M | $1.4B | ||
| Q3 25 | $858.0M | $1.1B | ||
| Q2 25 | $819.0M | $1.1B | ||
| Q1 25 | $814.7M | $1.1B | ||
| Q4 24 | $758.3M | $1.1B | ||
| Q3 24 | $822.5M | $1.1B | ||
| Q2 24 | $748.4M | $1.1B | ||
| Q1 24 | $719.5M | $1.1B |
| Q4 25 | $7.6B | $2.4B | ||
| Q3 25 | $7.2B | $2.1B | ||
| Q2 25 | $7.2B | $2.1B | ||
| Q1 25 | $7.0B | $2.1B | ||
| Q4 24 | $7.6B | $2.1B | ||
| Q3 24 | $7.5B | $2.0B | ||
| Q2 24 | $7.5B | $2.1B | ||
| Q1 24 | $7.4B | $2.1B |
| Q4 25 | 0.04× | 0.49× | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 0.58× | ||
| Q3 24 | 0.04× | — | ||
| Q2 24 | 0.04× | — | ||
| Q1 24 | 0.05× | — |
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 | $153.0M |
| Free Cash FlowOCF − Capex | $104.1M | $147.8M |
| FCF MarginFCF / Revenue | 60.1% | 43.9% |
| Capex IntensityCapex / Revenue | 2.4% | 1.5% |
| Cash ConversionOCF / Net Profit | 3.08× | 0.70× |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $353.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $153.0M | ||
| Q3 25 | $303.7M | $54.7M | ||
| Q2 25 | $30.4M | $85.4M | ||
| Q1 25 | $188.3M | $86.0M | ||
| Q4 24 | $-71.7M | $100.0M | ||
| Q3 24 | $143.1M | $49.0M | ||
| Q2 24 | $113.2M | $78.6M | ||
| Q1 24 | $203.0M | $54.8M |
| Q4 25 | $104.1M | $147.8M | ||
| Q3 25 | $300.3M | $49.6M | ||
| Q2 25 | $27.7M | $80.2M | ||
| Q1 25 | $184.7M | $75.7M | ||
| Q4 24 | $-73.8M | $95.5M | ||
| Q3 24 | $138.8M | $43.3M | ||
| Q2 24 | $111.0M | $72.3M | ||
| Q1 24 | $201.3M | $43.8M |
| Q4 25 | 60.1% | 43.9% | ||
| Q3 25 | 160.9% | 14.5% | ||
| Q2 25 | 14.1% | 23.5% | ||
| Q1 25 | 67.2% | 22.7% | ||
| Q4 24 | -40.4% | 27.7% | ||
| Q3 24 | 77.3% | 12.7% | ||
| Q2 24 | 58.8% | 21.3% | ||
| Q1 24 | 78.1% | 13.6% |
| Q4 25 | 2.4% | 1.5% | ||
| Q3 25 | 1.8% | 1.5% | ||
| Q2 25 | 1.4% | 1.5% | ||
| Q1 25 | 1.3% | 3.1% | ||
| Q4 24 | 1.1% | 1.3% | ||
| Q3 24 | 2.4% | 1.7% | ||
| Q2 24 | 1.2% | 1.9% | ||
| Q1 24 | 0.7% | 3.4% |
| Q4 25 | 3.08× | 0.70× | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | 1.17× | ||
| Q1 25 | 2.51× | 2.02× | ||
| Q4 24 | -2.39× | 2.71× | ||
| Q3 24 | 4.27× | 1.06× | ||
| Q2 24 | 2.52× | 1.56× | ||
| Q1 24 | 2.90× | 1.16× |
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% |
TDW
Segment breakdown not available.
