SouthCrest Financial Group (OTCMKTS:SCSG) & Pathward Financial (NASDAQ:CASH) Financial Review

Pathward Financial (NASDAQ:CASH) and SouthCrest Financial Group (OTCMKTS:SCSG) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their profitability, valuation, risk, analyst recommendations, institutional ownership, earnings and dividends.

Earnings & Valuation

This table compares Pathward Financial and SouthCrest Financial Group”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathward Financial	$715.33 million	2.33	$163.62 million	$6.66	10.03
SouthCrest Financial Group	N/A	N/A	N/A	N/A	N/A

Pathward Financial has higher revenue and earnings than SouthCrest Financial Group.

Analyst Recommendations

This is a summary of current ratings and target prices for Pathward Financial and SouthCrest Financial Group, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathward Financial	0	1	1	0	2.50
SouthCrest Financial Group	0	0	0	0	N/A

Pathward Financial presently has a consensus price target of $71.00, suggesting a potential upside of 6.32%. Given Pathward Financial’s higher probable upside, equities research analysts plainly believe Pathward Financial is more favorable than SouthCrest Financial Group.

Profitability

This table compares Pathward Financial and SouthCrest Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pathward Financial	22.10%	23.59%	2.24%
SouthCrest Financial Group	N/A	N/A	N/A

Institutional and Insider Ownership

92.7% of Pathward Financial shares are held by institutional investors. 0.7% of Pathward Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Summary

Pathward Financial beats SouthCrest Financial Group on 8 of the 8 factors compared between the two stocks.

About Pathward Financial

Pathward Financial, Inc. operates as the bank holding company for Pathward, National Association that provides various banking products and services in the United States. The company operates through three segments: Consumer, Commercial, and Corporate Services/Other. It offers demand deposit accounts, savings accounts, and money market savings accounts. The company also provides commercial finance product comprising term lending, asset-based lending, factoring, lease financing, insurance premium finance, government guaranteed lending, and other commercial finance products; consumer credit products; other consumer financing services; tax services, which includes short-term refund advance loans and short-term electronic return originator advance loans; and warehouse financing services. In addition, it issues prepaid cards; and offers payment solutions, such as acceptance, processing, and settlement of credit card and debit card payments. The company was formerly known as Meta Financial Group, Inc. and changed its name to Pathward Financial, Inc. in July 2022. Pathward Financial, Inc. was founded in 1954 and is based in Sioux Falls, South Dakota.

About SouthCrest Financial Group

SouthCrest Financial Group, Inc. operates as the bank holding company for SouthCrest Bank, N.A. that provides various banking products and services. It offers checking, savings, and money market accounts; and certificates of deposit. The company also provides personal loans for cars, boats, recreational vehicles, and other purchases; home equity lines of credit; loans on investment properties; owner occupied real estate, acquisition construction and development, professional practice acquisition, equipment and inventory, construction to permanent, and investment real estate loans; and working capital and lines of credit. In addition, it offers credit cards; remote deposit capture, positive pay, ACH, online wires, merchant, and reorder checks services; and online banking, online bill pay, mobile banking and deposit, and telephone banking services. The company serves retail, private, entrepreneurial, high-net-worth, and commercial customers. It operates through 9 branches in Georgia. SouthCrest Financial Group, Inc. was founded in 1910 and is headquartered in Atlanta, Georgia.