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Side-by-side financial comparison of PATHWARD FINANCIAL, INC. (CASH) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $173.1M, roughly 2.0× PATHWARD FINANCIAL, INC.). PATHWARD FINANCIAL, INC. runs the higher net margin — 20.3% vs -6.6%, a 27.0% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs -0.2%). PATHWARD FINANCIAL, INC. produced more free cash flow last quarter ($104.1M vs $27.8M). Over the past eight quarters, Westrock Coffee Co's revenue compounded faster (32.8% 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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
CASH vs WEST — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $173.1M | $339.5M |
| Net Profit | $35.2M | $-22.6M |
| Gross Margin | — | 11.5% |
| Operating Margin | 24.6% | -2.6% |
| Net Margin | 20.3% | -6.6% |
| Revenue YoY | -0.2% | 48.3% |
| Net Profit YoY | 11.9% | 8.3% |
| EPS (diluted) | $1.57 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $186.7M | $354.8M | ||
| Q2 25 | $195.8M | $280.9M | ||
| Q1 25 | $274.8M | $213.8M | ||
| Q4 24 | $182.6M | $229.0M | ||
| Q3 24 | $179.5M | $220.9M | ||
| Q2 24 | $188.6M | $208.4M | ||
| Q1 24 | $257.6M | $192.5M |
| Q4 25 | $35.2M | $-22.6M | ||
| Q3 25 | $38.8M | $-19.1M | ||
| Q2 25 | $42.1M | $-21.6M | ||
| Q1 25 | $75.0M | $-27.2M | ||
| Q4 24 | $30.0M | $-24.6M | ||
| Q3 24 | $33.5M | $-14.3M | ||
| Q2 24 | $44.9M | $-17.8M | ||
| Q1 24 | $69.9M | $-23.7M |
| Q4 25 | — | 11.5% | ||
| Q3 25 | — | 11.7% | ||
| Q2 25 | — | 14.7% | ||
| Q1 25 | — | 13.6% | ||
| Q4 24 | — | 16.6% | ||
| Q3 24 | — | 16.8% | ||
| Q2 24 | — | 19.9% | ||
| Q1 24 | — | 19.4% |
| Q4 25 | 24.6% | -2.6% | ||
| Q3 25 | 25.9% | -2.4% | ||
| Q2 25 | 24.1% | -5.3% | ||
| Q1 25 | 33.2% | -6.1% | ||
| Q4 24 | 19.8% | -4.3% | ||
| Q3 24 | 20.9% | -5.8% | ||
| Q2 24 | 27.1% | -7.9% | ||
| Q1 24 | 33.8% | -5.3% |
| Q4 25 | 20.3% | -6.6% | ||
| Q3 25 | 20.8% | -5.4% | ||
| Q2 25 | 21.5% | -7.7% | ||
| Q1 25 | 27.3% | -12.7% | ||
| Q4 24 | 16.4% | -10.7% | ||
| Q3 24 | 18.7% | -6.5% | ||
| Q2 24 | 23.8% | -8.5% | ||
| Q1 24 | 27.1% | -12.3% |
| Q4 25 | $1.57 | $-0.22 | ||
| Q3 25 | $1.69 | $-0.20 | ||
| Q2 25 | $1.81 | $-0.23 | ||
| Q1 25 | $3.14 | $-0.29 | ||
| Q4 24 | $1.23 | $-0.26 | ||
| Q3 24 | $1.34 | $-0.16 | ||
| Q2 24 | $1.78 | $-0.20 | ||
| Q1 24 | $2.74 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | $33.5M | $444.1M |
| Stockholders' EquityBook value | $854.5M | $-1.9M |
| Total Assets | $7.6B | $1.2B |
| Debt / EquityLower = less leverage | 0.04× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $331.2M | $49.9M | ||
| Q3 25 | $120.6M | $34.0M | ||
| Q2 25 | $258.3M | $44.0M | ||
| Q1 25 | $254.2M | $33.1M | ||
| Q4 24 | $597.4M | $26.2M | ||
| Q3 24 | $158.3M | $22.4M | ||
| Q2 24 | $298.9M | $24.3M | ||
| Q1 24 | $347.9M | $12.6M |
| Q4 25 | $33.5M | $444.1M | ||
| Q3 25 | $33.5M | — | ||
| Q2 25 | $33.4M | — | ||
| Q1 25 | $33.4M | — | ||
| Q4 24 | $33.4M | $393.1M | ||
| Q3 24 | $33.4M | — | ||
| Q2 24 | $33.3M | — | ||
| Q1 24 | $33.4M | — |
| Q4 25 | $854.5M | $-1.9M | ||
| Q3 25 | $858.0M | $11.4M | ||
| Q2 25 | $819.0M | $18.2M | ||
| Q1 25 | $814.7M | $71.4M | ||
| Q4 24 | $758.3M | $97.5M | ||
| Q3 24 | $822.5M | $110.3M | ||
| Q2 24 | $748.4M | $81.5M | ||
| Q1 24 | $719.5M | $91.7M |
| Q4 25 | $7.6B | $1.2B | ||
| Q3 25 | $7.2B | $1.2B | ||
| Q2 25 | $7.2B | $1.2B | ||
| Q1 25 | $7.0B | $1.1B | ||
| Q4 24 | $7.6B | $1.1B | ||
| Q3 24 | $7.5B | $1.1B | ||
| Q2 24 | $7.5B | $1.1B | ||
| Q1 24 | $7.4B | $983.3M |
| Q4 25 | 0.04× | — | ||
| Q3 25 | 0.04× | — | ||
| Q2 25 | 0.04× | — | ||
| Q1 25 | 0.04× | — | ||
| Q4 24 | 0.04× | 4.03× | ||
| 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 | $36.7M |
| Free Cash FlowOCF − Capex | $104.1M | $27.8M |
| FCF MarginFCF / Revenue | 60.1% | 8.2% |
| Capex IntensityCapex / Revenue | 2.4% | 2.6% |
| Cash ConversionOCF / Net Profit | 3.08× | — |
| TTM Free Cash FlowTrailing 4 quarters | $616.8M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $108.3M | $36.7M | ||
| Q3 25 | $303.7M | $-26.6M | ||
| Q2 25 | $30.4M | $-7.0M | ||
| Q1 25 | $188.3M | $-22.1M | ||
| Q4 24 | $-71.7M | $2.8M | ||
| Q3 24 | $143.1M | $-332.0K | ||
| Q2 24 | $113.2M | $-23.7M | ||
| Q1 24 | $203.0M | $8.0M |
| Q4 25 | $104.1M | $27.8M | ||
| Q3 25 | $300.3M | $-44.7M | ||
| Q2 25 | $27.7M | $-27.5M | ||
| Q1 25 | $184.7M | $-63.4M | ||
| Q4 24 | $-73.8M | $-15.4M | ||
| Q3 24 | $138.8M | $-36.7M | ||
| Q2 24 | $111.0M | $-59.9M | ||
| Q1 24 | $201.3M | $-60.9M |
| Q4 25 | 60.1% | 8.2% | ||
| Q3 25 | 160.9% | -12.6% | ||
| Q2 25 | 14.1% | -9.8% | ||
| Q1 25 | 67.2% | -29.7% | ||
| Q4 24 | -40.4% | -6.7% | ||
| Q3 24 | 77.3% | -16.6% | ||
| Q2 24 | 58.8% | -28.7% | ||
| Q1 24 | 78.1% | -31.7% |
| Q4 25 | 2.4% | 2.6% | ||
| Q3 25 | 1.8% | 5.1% | ||
| Q2 25 | 1.4% | 7.3% | ||
| Q1 25 | 1.3% | 19.3% | ||
| Q4 24 | 1.1% | 7.9% | ||
| Q3 24 | 2.4% | 16.5% | ||
| Q2 24 | 1.2% | 17.4% | ||
| Q1 24 | 0.7% | 35.8% |
| Q4 25 | 3.08× | — | ||
| Q3 25 | 7.83× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | 2.51× | — | ||
| Q4 24 | -2.39× | — | ||
| Q3 24 | 4.27× | — | ||
| Q2 24 | 2.52× | — | ||
| Q1 24 | 2.90× | — |
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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
