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Cass Information Systems, Inc.(CASS)Earnings, Financials & Key Ratios
CASS•NASDAQ
$47.09
$608M mkt cap·18.0× P/E·Price updated May 6, 2026
AboutCass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.Show more
- Revenue$191M-13.1%
- EBITDA$39M+28.3%
- Net Income$35M+83.2%
- EPS (Diluted)2.61+87.8%
- Gross Margin100%+17.2%
- EBITDA Margin20.28%+47.6%
- Operating Margin20.28%+84.1%
- Net Margin18.38%+110.8%
- ROE14.88%+78.1%
- Debt/Equity0.02-42.8%
CASS Key Insights
Cass Information Systems, Inc. (CASS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 8/9
- ✓FCF machine: 16.6% free cash flow margin
- ✓21 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.6%
- ✓Share count reduced 2.3% through buybacks
✗Weaknesses
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CASS Price & Volume
Cass Information Systems, Inc. (CASS) stock price & volume — 10-year historical chart
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CASS Growth Metrics
Cass Information Systems, Inc. (CASS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years4.58%
5 Years5.23%
3 Years0.67%
TTM-1.52%
Profit CAGR
10 Years4.3%
5 Years6.88%
3 Years0.2%
TTM83.2%
EPS CAGR
10 Years5.56%
5 Years8.57%
3 Years1.04%
TTM92.65%
Return on Capital
10 Years7.75%
5 Years10.38%
3 Years8.98%
Last Year4.38%
CASS Recent Earnings
Cass Information Systems, Inc. (CASS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 5/12 qtrs (45%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 23, 2026EPS
$0.66
Est $0.63
+4.8%
Revenue
$49M
Est $50M
-1.0%
Q2 2026
Mar 6, 2026EPS
$0.62
Revenue
$50M
Q1 2026
Jan 22, 2026EPS
$0.68
Est $0.64
+6.3%
Revenue
$50M
Est $50M
+0.6%
Q4 2025
Oct 23, 2025EPS
$0.69
Est $0.63
+9.5%
Revenue
$54M
Est $50M
+8.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.66vs $0.63+4.8% | $49Mvs $50M-1.0% |
| Q2 2026 | Mar 6, 2026 | $0.62 | $50M |
| Q1 2026 | Jan 22, 2026 | $0.68vs $0.64+6.3% | $50Mvs $50M+0.6% |
| Q4 2025 | Oct 23, 2025 | $0.69vs $0.63+9.5% | $54Mvs $50M+8.9% |
Based on last 12 quarters of dataView full earnings history →
CASS Peer Comparison
Cass Information Systems, Inc. (CASS) competitors in Payments and B2B Spend Processing — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 WEX | 4.99B | 144.00 | 17.00 | 1.24% | 11.5% | 26.96% | 3.94 | |
 FLYW | 2.09B | 17.51 | 159.18 | 26.59% | 6.65% | 5.87% | ||
 RPAY | 303.9M | 3.45 | -1.15 | -1.21% | -82.73% | -46.64% | 0.91 | |
 PRTH | 430.83M | 5.26 | 7.74 | 8.33% | 5.84% | |||
 CHRW | 20B | 168.59 | 34.90 | -8.42% | 3.7% | 33.32% | 0.88 | |
 EXPD | 20.11B | 151.24 | 25.42 | 4.42% | 7.48% | 36.68% | 0.24 | |
 JBHT | 23.27B | 245.95 | 40.19 | -0.73% | 4.99% | 16.78% | 0.41 | |
 SAIA | 11.99B | 449.40 | 47.21 | 0.79% | 7.84% | 10.04% | 0.16 |
Compare CASS vs Peers
Cass Information Systems, Inc. (CASS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CASS Income Statement
Cass Information Systems, Inc. (CASS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 137.49M | 152M | 162.68M | 148.13M | 155.19M | 187.31M | 213.23M | 219.89M | 191.1M |
| Revenue Growth % | 9.06% | 10.56% | 7.02% | -8.94% | 4.77% | 20.7% | 13.84% | 3.13% | -13.1% |
| Cost of Goods Sold | 10.29M | 12.53M | 14.77M | 24.9M | 11.52M | 12.88M | 26.09M | 32.23M | 0 |
| COGS % of Revenue | 7.49% | 8.24% | 9.08% | 16.81% | 7.42% | 6.88% | 12.23% | 14.66% | - |
| Gross Profit | 127.19M▲ 0% | 139.47M▲ 9.7% | 147.91M▲ 6.0% | 123.23M▼ 16.7% | 143.67M▲ 16.6% | 174.42M▲ 21.4% | 187.14M▲ 7.3% | 187.66M▲ 0.3% | 191.1M▲ 1.8% |
| Gross Margin % | 92.51% | 91.76% | 90.92% | 83.19% | 92.58% | 93.12% | 87.77% | 85.34% | 100% |
| Gross Profit Growth % | 8.96% | 9.65% | 6.05% | -16.68% | 16.59% | 21.4% | 7.29% | 0.28% | 1.83% |
| Operating Expenses | 92.3M | 103.13M | 110.44M | 92.89M | 109.85M | 131.52M | 149.67M | 163.44M | 152.34M |
| OpEx % of Revenue | 67.13% | 67.85% | 67.89% | 62.71% | 70.79% | 70.22% | 70.19% | 74.33% | 79.72% |
| Selling, General & Admin | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A % of Revenue | - | - | - | - | - | - | - | - | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | 0% | 0% | - | - | - | - | - | - | - |
| Other Operating Expenses | 92.3M | 103.13M | 110.44M | 92.89M | 109.85M | 131.52M | 149.67M | 163.44M | 152.34M |
| Operating Income | 34.9M▲ 0% | 36.35M▲ 4.1% | 37.47M▲ 3.1% | 30.34M▼ 19.0% | 33.82M▲ 11.5% | 42.9M▲ 26.8% | 37.47M▼ 12.7% | 24.22M▼ 35.4% | 38.76M▲ 60.0% |
| Operating Margin % | 25.38% | 23.91% | 23.03% | 20.48% | 21.79% | 22.9% | 17.57% | 11.01% | 20.28% |
| Operating Income Growth % | 8.84% | 4.15% | 3.08% | -19.01% | 11.46% | 26.84% | -12.65% | -35.37% | 60.03% |
| EBITDA | 38.95M | 40.74M | 42.26M | 41.61M | 38.99M | 47.6M | 42.44M | 30.21M | 38.76M |
| EBITDA Margin % | 28.33% | 26.8% | 25.98% | 28.09% | 25.13% | 25.41% | 19.9% | 13.74% | 20.28% |
| EBITDA Growth % | 9.06% | 4.6% | 3.71% | -1.52% | -6.29% | 22.08% | -10.84% | -28.83% | 28.31% |
| D&A (Non-Cash Add-back) | 4.05M | 4.4M | 4.79M | 11.27M | 5.17M | 4.7M | 4.97M | 5.99M | 0 |
| EBIT | 34.9M | 36.35M | 37.47M | 30.34M | 33.82M | 42.9M | 37.47M | 24.22M | 38.76M |
| Net Interest Income | 41.98M | 47.93M | 52.61M | 47.69M | 45.5M | 62.33M | 82.64M | 88.04M | 81.24M |
| Interest Income | 41.98M | 47.93M | 52.61M | 47.69M | 45.5M | 62.33M | 82.76M | 88.05M | 81.24M |
| Interest Expense | 0 | 0 | 2K | 2K | 0 | 0 | 116K | 1K | 0 |
| Other Income/Expense | 0 | 0 | 0 | -2K | 0 | 0 | -116K | -1K | 0 |
| Pretax Income | 34.9M▲ 0% | 36.35M▲ 4.1% | 37.47M▲ 3.1% | 30.34M▼ 19.0% | 33.82M▲ 11.5% | 42.9M▲ 26.8% | 37.36M▼ 12.9% | 24.22M▼ 35.2% | 38.76M▲ 60.0% |
| Pretax Margin % | 25.38% | 23.91% | 23.03% | 20.48% | 21.79% | 22.9% | 17.52% | 11.01% | 20.28% |
| Income Tax | 9.88M | 6.08M | 7.06M | 5.17M | 5.22M | 8M | 7.3M | 5.05M | 7.65M |
| Effective Tax Rate % | 28.32% | 16.72% | 18.85% | 17.02% | 15.43% | 18.64% | 19.53% | 20.86% | 19.73% |
| Net Income | 25.01M▲ 0% | 30.27M▲ 21.0% | 30.4M▲ 0.4% | 25.18M▼ 17.2% | 28.6M▲ 13.6% | 34.9M▲ 22.0% | 30.06M▼ 13.9% | 19.17M▼ 36.2% | 35.12M▲ 83.2% |
| Net Margin % | 18.19% | 19.91% | 18.69% | 17% | 18.43% | 18.63% | 14.1% | 8.72% | 18.38% |
| Net Income Growth % | 2.74% | 21% | 0.45% | -17.2% | 13.62% | 22.02% | -13.88% | -36.23% | 83.2% |
| Net Income (Continuing) | 25.01M | 30.27M | 30.4M | 25.18M | 28.6M | 34.9M | 30.06M | 19.17M | 31.11M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 1.68▲ 0% | 2.03▲ 20.8% | 2.07▲ 2.0% | 1.73▼ 16.4% | 2.00▲ 15.6% | 2.53▲ 26.5% | 2.18▼ 13.8% | 1.39▼ 36.2% | 2.61▲ 87.8% |
| EPS Growth % | 3.07% | 20.83% | 1.97% | -16.43% | 15.61% | 26.5% | -13.83% | -36.24% | 87.77% |
| EPS (Basic) | 1.70 | 2.06 | 2.11 | 1.75 | 2.03 | 2.58 | 2.22 | 1.42 | 2.66 |
| Diluted Shares Outstanding | 14.92M | 14.91M | 14.69M | 14.57M | 14.33M | 13.81M | 13.82M | 13.78M | 13.46M |
| Basic Shares Outstanding | 14.7M | 14.68M | 14.43M | 14.39M | 14.3M | 13.55M | 13.79M | 13.5M | 13.18M |
| Dividend Payout Ratio | 42.68% | 43.53% | 50.11% | 61.96% | 54% | 44.24% | 53.09% | 85.89% | 47.02% |
CASS Balance Sheet
Cass Information Systems, Inc. (CASS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 76.05M | 635.86M | 1.17B | 1.74B | 1.76B | 1.66B | 1.68B | 1.68B | 1.23B |
| Cash & Short-Term Investments | 640M | 635.86M | 203.95M | 670.53M | 514.93M | 200.94M | 372.47M | 349.73M | 392.27M |
| Cash Only | 169.48M | 194.32M | 203.95M | 670.53M | 514.93M | 200.94M | 372.47M | 349.73M | 392.27M |
| Short-Term Investments | 470.52M | 441.53M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 0 | 0 | 762.08M | 879.73M | 953.52M | 1.17B | 1.11B | 1.12B | 1.12B |
| Days Sales Outstanding | - | - | 1.71K | 2.17K | 2.24K | 2.27K | 1.9K | 1.87K | 2.13K |
| Inventory | -1.01B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 206.16M | 194.56M | 291.43M | 293.77M | 198.86M | 208.53M | -276.85M |
| Total Non-Current Assets | 36.15M | 477.69M | 592.05M | 458.41M | 795.03M | 913.16M | 795.41M | 712.32M | 49.34M |
| Property, Plant & Equipment | 21.59M | 22.03M | 20.53M | 18.06M | 18.11M | 19.96M | 30.09M | 41.17M | 29.45M |
| Fixed Asset Turnover | 6.37x | 6.90x | 7.93x | 8.20x | 8.57x | 9.39x | 7.09x | 5.34x | 6.49x |
| Goodwill | 12.57M | 12.57M | 14.26M | 14.26M | 14.26M | 17.31M | 17.31M | 21.35M | 16.16M |
| Intangible Assets | 2M | 1.55M | 4.28M | 3.42M | 2.56M | 4.13M | 3.35M | 5.01M | 19.89M |
| Long-Term Investments | 470.52M | 441.53M | 422.67M | 357.73M | 673.45M | 754.47M | 627.12M | 528.02M | 770.77M |
| Other Non-Current Assets | -2.07B | -1.7B | 130.31M | 64.94M | 86.64M | 117.3M | 117.55M | 116.77M | -770.77M |
| Total Assets | 1.6B▲ 0% | 1.7B▲ 5.7% | 1.76B▲ 4.1% | 2.2B▲ 24.9% | 2.55B▲ 16.0% | 2.57B▲ 0.7% | 2.48B▼ 3.7% | 2.4B▼ 3.4% | 2.61B▲ 8.8% |
| Asset Turnover | 0.09x | 0.09x | 0.09x | 0.07x | 0.06x | 0.07x | 0.09x | 0.09x | 0.07x |
| Asset Growth % | 6.54% | 5.74% | 4.07% | 24.88% | 15.96% | 0.71% | -3.67% | -3.37% | 8.81% |
| Total Current Liabilities | 661.89M | 694.36M | 1.42B | 1.85B | 2.24B | 2.32B | 2.2B | 2.11B | 1.12B |
| Accounts Payable | 715.89M | 694.36M | 684.29M | 835.39M | 1.05B | 1.07B | 1.07B | 1.15B | 1.12B |
| Days Payables Outstanding | 25.38K | 20.23K | 16.91K | 12.25K | 33.3K | 30.24K | 14.99K | 13.01K | - |
| Short-Term Debt | 0 | 0 | 18M | 0 | 0 | 1.35M | 1.33M | 1.34M | 826K |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -54M | 0 | 721M | 1.01B | 1.19B | 1.25B | 1.13B | 953.84M | -826K |
| Current Ratio | 0.11x | 0.92x | 0.82x | 0.94x | 0.79x | 0.72x | 0.76x | 0.80x | 1.10x |
| Quick Ratio | 1.64x | 0.92x | 0.82x | 0.94x | 0.79x | 0.72x | 0.76x | 0.80x | 1.10x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 716.23M | 770.97M | 96.76M | 93.33M | 71.64M | 50.99M | 47.96M | 60.24M | 1.24B |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6.08M | 3.68M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 716.23M | 770.97M | 96.76M | 93.33M | 71.64M | 50.99M | 47.96M | 54.16M | 1.24B |
| Total Liabilities | 1.43B | 1.47B | 1.52B | 1.94B | 2.31B | 2.37B | 2.25B | 2.17B | 2.36B |
| Total Debt | 396.55M | 408.67M | 18M | 0 | 0 | 0 | 0 | 7.43M | 4.51M |
| Net Debt | 227.07M | 214.34M | -185.95M | -670.53M | -514.93M | -200.94M | -372.47M | -342.3M | -387.76M |
| Debt / Equity | 1.76x | 1.78x | 0.07x | - | - | - | - | 0.03x | 0.02x |
| Debt / EBITDA | 10.18x | 10.03x | 0.43x | - | - | - | - | 0.25x | 0.12x |
| Net Debt / EBITDA | 5.83x | 5.26x | -4.40x | -16.11x | -13.21x | -4.22x | -8.78x | -11.33x | -10.00x |
| Interest Coverage | - | - | 18734.00x | 15171.50x | - | - | 323.03x | 24220.00x | - |
| Total Equity | 225.09M▲ 0% | 229.85M▲ 2.1% | 244.19M▲ 6.2% | 261.16M▲ 6.9% | 245.8M▼ 5.9% | 206.32M▼ 16.1% | 229.81M▲ 11.4% | 229.03M▼ 0.3% | 243M▲ 6.1% |
| Equity Growth % | 8.2% | 2.11% | 6.24% | 6.95% | -5.88% | -16.06% | 11.38% | -0.34% | 6.1% |
| Book Value per Share | 15.09 | 15.42 | 16.62 | 17.93 | 17.15 | 14.94 | 16.63 | 16.62 | 18.05 |
| Total Shareholders' Equity | 225.09M | 229.85M | 244.19M | 261.16M | 245.8M | 206.32M | 229.81M | 229.03M | 243M |
| Common Stock | 6.52M | 7.75M | 7.75M | 7.75M | 7.75M | 7.75M | 7.75M | 7.75M | 7.75M |
| Retained Earnings | 59.31M | 75.17M | 90.34M | 99.06M | 112.22M | 131.68M | 145.78M | 148.49M | 167.09M |
| Treasury Stock | -32.06M | -39.97M | -45.38M | -50.52M | -78.9M | -81.21M | -84.26M | -87.61M | -112.15M |
| Accumulated OCI | -13.32M | -18.87M | -13.92M | -15K | 453K | -59.32M | -47.47M | -45.19M | -26.75M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CASS Cash Flow Statement
Cass Information Systems, Inc. (CASS) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 38.89M | 48.34M | 42.13M | 47.78M | 34.55M | 51.61M | 36.94M | 38.95M | 37.44M |
| Operating CF Margin % | 28.29% | 31.8% | 25.9% | 32.26% | 22.26% | 27.55% | 17.32% | 17.71% | 19.59% |
| Operating CF Growth % | 10.52% | 24.29% | -12.85% | 13.42% | -27.7% | 49.38% | -28.43% | 5.45% | -3.88% |
| Net Income | 25.01M | 30.27M | 30.4M | 25.18M | 28.6M | 34.9M | 30.06M | 19.17M | 35.12M |
| Depreciation & Amortization | 11.34M | 11.24M | 10.94M | 5.33M | 5.17M | 4.7M | 4.97M | 5.99M | 0 |
| Stock-Based Compensation | 2.34M | 3.01M | 3.14M | 2.27M | 2.86M | 6.73M | 4.14M | 3.17M | 4.19M |
| Deferred Taxes | 4M | -3.52M | 1.25M | -874K | -698K | -1.16M | -284K | -1.05M | 0 |
| Other Non-Cash Items | -4.13M | -5.75M | -1.39M | 9.47M | 817K | 10.71M | 825K | 4.08M | 4.81M |
| Working Capital Changes | 326K | 13.1M | -2.22M | 6.42M | -2.21M | -4.28M | -2.77M | 7.59M | -6.68M |
| Change in Receivables | -4.66M | 4.71M | 988K | 756K | -602K | -2.52M | -3.84M | -3.34M | -322K |
| Change in Inventory | -22.63M | 23.34M | 22.4M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 19.6M | -19.59M | -22.4M | 0 | 0 | 17.2M | 0 | 0 | 0 |
| Cash from Investing | -139.84M | -46.8M | -75.76M | -43.9M | -528.52M | -306.39M | 284.66M | 3.95M | -145.28M |
| Capital Expenditures | -4.13M | -4.4M | -2.72M | -2M | -4.37M | -5.87M | -14.32M | -9.33M | 0 |
| CapEx % of Revenue | 3% | 2.89% | 1.67% | 1.35% | 2.82% | 3.13% | 6.72% | 4.24% | 2.96% |
| Acquisitions | -21.34M | -35.34M | -2.83M | 0 | 0 | -4.81M | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | -33.76M | -21.67M | -45.38M | -107.59M | -190.65M | -128.67M | 163.5M | -80.29M | -145.28M |
| Cash from Financing | 62.32M | 1.28M | 6.65M | 462.69M | 338.37M | -59.2M | -150.07M | -65.64M | 150.38M |
| Debt Issued (Net) | 0 | 0 | 18M | -18M | 0 | 0 | 0 | 0 | 0 |
| Equity Issued (Net) | -2.27M | -8.84M | -7.8M | -6.83M | -31M | -5.3M | -5.77M | -7.25M | -25.99M |
| Dividends Paid | -10.68M | -13.18M | -15.23M | -15.6M | -15.45M | -15.44M | -15.96M | -16.46M | -16.51M |
| Share Repurchases | -2.27M | -8.84M | -7.8M | -6.83M | -31M | -5.3M | -5.77M | -7.25M | -25.99M |
| Other Financing | 75.26M | 23.3M | 11.69M | 503.12M | 384.81M | -38.46M | -128.34M | -41.93M | 192.88M |
| Net Change in Cash | -38.63M▲ 0% | 2.82M▲ 107.3% | -26.98M▼ 1055.7% | 466.57M▲ 1829.4% | -155.6M▼ 133.3% | -313.99M▼ 101.8% | 171.53M▲ 154.6% | -22.74M▼ 113.3% | 6.8M▲ 129.9% |
| Free Cash Flow | 34.76M▲ 0% | 43.94M▲ 26.4% | 39.4M▼ 10.3% | 45.78M▲ 16.2% | 30.18M▼ 34.1% | 45.74M▲ 51.6% | 22.61M▼ 50.6% | 29.62M▲ 31.0% | 31.77M▲ 7.3% |
| FCF Margin % | 25.28% | 28.9% | 24.22% | 30.91% | 19.45% | 24.42% | 10.6% | 13.47% | 16.63% |
| FCF Growth % | 13.96% | 26.39% | -10.32% | 16.18% | -34.08% | 51.57% | -50.57% | 30.99% | 7.27% |
| FCF per Share | 2.33 | 2.95 | 2.68 | 3.14 | 2.11 | 3.31 | 1.64 | 2.15 | 2.36 |
| FCF Conversion (FCF/Net Income) | 1.55x | 1.60x | 1.39x | 1.90x | 1.21x | 1.48x | 1.23x | 2.03x | 1.07x |
| Interest Paid | 2.18M | 3.7M | 5.18M | 2.43M | 1.19M | 3.43M | 15.7M | 20.23M | 16.39M |
| Taxes Paid | 7.68M | 6.72M | 7.6M | 4.73M | 5.64M | 8.4M | 9.3M | 5.51M | 5.14M |
CASS Key Ratios
Cass Information Systems, Inc. (CASS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 11.72% | 11.55% | 13.31% | 12.83% | 9.96% | 11.28% | 15.44% | 13.78% | 8.36% | 14.88% |
| Return on Invested Capital (ROIC) | 5.05% | 5.7% | 6.08% | 11.19% | - | - | 597.72% | - | - | - |
| Gross Margin | 92.6% | 92.51% | 91.76% | 90.92% | 83.19% | 92.58% | 93.12% | 87.77% | 85.34% | 100% |
| Net Margin | 19.31% | 18.19% | 19.91% | 18.69% | 17% | 18.43% | 18.63% | 14.1% | 8.72% | 18.38% |
| Debt / Equity | 1.96x | 1.76x | 1.78x | 0.07x | - | - | - | - | 0.03x | 0.02x |
| Interest Coverage | - | - | - | 18734.00x | 15171.50x | - | - | 323.03x | 24220.00x | - |
| FCF Conversion | 1.45x | 1.55x | 1.60x | 1.39x | 1.90x | 1.21x | 1.48x | 1.23x | 2.03x | 1.07x |
| Revenue Growth | 3.27% | 9.06% | 10.56% | 7.02% | -8.94% | 4.77% | 20.7% | 13.84% | 3.13% | -13.1% |
CASS SEC Filings & Documents
Cass Information Systems, Inc. (CASS) SEC filings — annual & quarterly reports (10-K, 10-Q)
CASS Frequently Asked Questions
Cass Information Systems, Inc. (CASS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Cass Information Systems, Inc. (CASS) reported $203.5M in revenue for fiscal year 2025. This represents a 346% increase from $45.6M in 1996.
Cass Information Systems, Inc. (CASS) saw revenue decline by 13.1% over the past year.
Yes, Cass Information Systems, Inc. (CASS) is profitable, generating $35.1M in net income for fiscal year 2025 (18.4% net margin).
Dividend & Returns
Yes, Cass Information Systems, Inc. (CASS) pays a dividend with a yield of 2.60%. This makes it attractive for income-focused investors.
Cass Information Systems, Inc. (CASS) has a return on equity (ROE) of 14.9%. This is reasonable for most industries.
Cass Information Systems, Inc. (CASS) generated $31.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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