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Pathward Financial vs Oceanfirst Financial: CASH and OCFC compared
Pathward Financial is the larger company: $190M of revenue in its latest quarter (Q3 FY26) against $185M for Oceanfirst Financial (Q3 2026). Oceanfirst Financial is growing faster (+80% against -3% a year earlier). Pathward Financial is more profitable, with an operating margin of 17.0% against 15.9%.
Where the money goes: CASH and OCFC
Pathward Financial (CASH) · Q3 FY26
Pathward Financial, Q3 FY26: revenue $190M (-3% year over year), operating margin 17.0%, net earnings $29.0M, operating cash flow $52.0M. The chart follows the revenue to costs, profit and cash.
Oceanfirst Financial (OCFC) · Q3 2026
Oceanfirst Financial, Q3 2026: revenue $185M (+80% year over year), operating margin 15.9%, net earnings $16.5M, operating cash flow $132M. The chart follows the revenue to costs, profit and cash.
| Pathward Financial (CASH) | Oceanfirst Financial (OCFC) | |
|---|---|---|
| Latest quarter | Q3 FY26 | Q3 2026 |
| Revenue | $190M | $185M |
| Revenue growth, Y/Y | -3% | +80% |
| Operating margin | 17.0% | 15.9% |
| Net earnings | $29.0M | $16.5M |
| Net margin | 15.3% | 8.9% |
| Operating cash flow | $52.0M | $132M |
| Free cash flow | $48.6M | $128M |
| Market value | — | $1.1B |
| P/E | — | 26.2× |
| Analysts’ mean target | — | $21.29 |
Where the revenue comes from
Pathward Financial
- Consumer: $111M (58%)
- Commercial: $78.4M (41%)
- Corporate Services/Other: $503K (0%)
Oceanfirst Financial
- Net interest income: $172M (93%)
- Noninterest income: $13.0M (7%)
Questions
Which is bigger, Pathward Financial or Oceanfirst Financial?
Pathward Financial is the larger company: $190M of revenue in its latest quarter (Q3 FY26) against $185M for Oceanfirst Financial (Q3 2026).
Is Pathward Financial or Oceanfirst Financial growing faster?
Oceanfirst Financial is growing faster (+80% against -3% a year earlier).
Which is more profitable, Pathward Financial or Oceanfirst Financial?
Pathward Financial is more profitable, with an operating margin of 17.0% against 15.9%.
More: Pathward Financial earnings · how Pathward Financial makes money · Oceanfirst Financial earnings · how Oceanfirst Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Aug 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.