Cass Information Systems, Inc. (CASS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | 49.1M | 49.5M | 54.01M | 48.59M | 51.43M | 55.08M | 51.54M | 49.69M | 50.38M | 55.21M | 53.99M | 51.78M | 52.25M | 51.58M | 48.54M | 44.63M | 42.56M | 40.95M | 39.3M | 38.09M |
| Revenue Growth % | -4.52% | -10.12% | 4.81% | -2.22% | 2.08% | -0.24% | -4.54% | -4.04% | -3.58% | 7.03% | 11.23% | 16.02% | 22.78% | 25.98% | 23.52% | 17.16% | 15.48% | 8.7% | 8.52% | 9.42% |
| Cost of Goods Sold | 0 | 0 | 7.63M | 8.01M | 7.5M | 8.18M | 8.04M | 7.92M | 7.7M | 7.33M | 7.1M | 6.21M | 5.45M | 2.53M | 6.11M | 5.81M | 6.05M | 686K | 6.63M | 6.67M |
| COGS % of Revenue | - | - | 14.12% | 16.48% | 14.59% | 14.86% | 15.6% | 15.94% | 15.28% | 13.28% | 13.15% | 11.99% | 10.43% | 4.9% | 12.59% | 13.02% | 14.21% | 1.68% | 16.88% | 17.52% |
| Gross Profit | 49.1M | 49.5M | 46.39M | 40.58M | 43.92M | 46.89M | 43.5M | 41.77M | 42.68M | 47.88M | 46.89M | 45.57M | 46.8M | 49.06M | 42.43M | 38.82M | 36.51M | 40.26M | 32.66M | 31.42M |
| Gross Margin % | 100% | 100% | 85.88% | 83.52% | 85.41% | 85.14% | 84.4% | 84.06% | 84.72% | 86.72% | 86.85% | 88.01% | 89.57% | 95.1% | 87.41% | 86.98% | 85.79% | 98.32% | 83.12% | 82.48% |
| Gross Profit Growth % | 11.79% | 5.56% | 6.64% | -2.85% | 2.92% | -2.05% | -7.24% | -8.34% | -8.8% | -2.41% | 10.52% | 17.39% | 28.18% | 21.85% | 29.89% | 23.56% | 19.45% | 27.97% | 8.54% | 9.15% |
| Operating Expenses | 38.22M | 39.51M | 34.77M | 34.3M | 33.05M | 41.13M | 39.73M | 36.2M | 33.78M | 37.52M | 37.73M | 36.66M | 37.75M | 37.9M | 31.54M | 28.24M | 26.23M | 31.62M | 24.68M | 22.82M |
| OpEx % of Revenue | 77.84% | 79.82% | 64.38% | 70.6% | 64.26% | 74.68% | 77.1% | 72.86% | 67.06% | 67.96% | 69.89% | 70.8% | 72.25% | 73.47% | 64.99% | 63.27% | 61.65% | 77.22% | 62.82% | 59.89% |
| Selling, General & Admin | 35.49M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A % of Revenue | 72.29% | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Operating Income | 10.88M | 9.99M | 11.62M | 6.28M | 10.88M | 5.76M | 3.76M | 5.57M | 8.9M | 10.36M | 9.16M | 8.91M | 9.05M | 11.16M | 10.88M | 10.58M | 10.28M | 8.64M | 7.98M | 8.61M |
| Operating Margin % | 22.16% | 20.18% | 21.5% | 12.92% | 21.15% | 10.47% | 7.3% | 11.21% | 17.66% | 18.76% | 16.97% | 17.21% | 17.31% | 21.63% | 22.42% | 23.71% | 24.14% | 21.11% | 20.3% | 22.59% |
| Operating Income Growth % | 0.06% | 73.28% | 208.58% | 12.77% | 22.25% | -44.34% | -58.91% | -37.52% | -1.65% | -7.2% | -15.84% | -15.8% | -11.96% | 29.11% | 36.41% | 22.99% | 19.55% | 15.49% | 12.92% | 30.81% |
| EBITDA | 11.18M | 11.84M | 13.35M | 8.2M | 12.57M | 7.55M | 5.21M | 6.87M | 10.16M | 11.68M | 10.39M | 10.19M | 10.19M | 11.35M | 13.55M | 13.32M | 13.19M | 8.86M | 11.15M | 11.79M |
| EBITDA Margin % | 22.76% | 23.91% | 24.72% | 16.88% | 24.44% | 13.71% | 10.1% | 13.83% | 20.16% | 21.15% | 19.24% | 19.68% | 19.5% | 22.01% | 27.91% | 29.84% | 30.99% | 21.63% | 28.38% | 30.96% |
| EBITDA Growth % | -11.1% | 56.79% | 156.54% | 19.34% | 23.75% | -35.36% | -49.89% | -32.56% | -0.27% | 2.86% | -23.32% | -23.49% | -22.76% | 28.18% | 21.48% | 12.92% | 13.95% | -14.52% | 12.73% | 26.11% |
| D&A (Non-Cash Add-back) | 293K | 1.85M | 1.74M | 1.92M | 1.69M | 1.78M | 1.44M | 1.3M | 1.26M | 1.32M | 1.23M | 1.28M | 1.14M | 195K | 2.66M | 2.73M | 2.91M | 215K | 3.17M | 3.19M |
| EBIT | 14.77M | 9.99M | 11.62M | 6.28M | 10.88M | 5.76M | 3.77M | 5.57M | 8.9M | 10.36M | 9.16M | 8.91M | 9.05M | 11.16M | 10.88M | 10.58M | 10.28M | 8.64M | 7.98M | 8.61M |
| Net Interest Income | 21.22M | 21.47M | 25.17M | 23.64M | 23.39M | 22.38M | 22.77M | 21.24M | 21.65M | 21.72M | 21.19M | 19.66M | 20.07M | 19.47M | 16.75M | 13.98M | 12.13M | 11.99M | 11.72M | 11.11M |
| Interest Income | 25.1M | 21.47M | 25.17M | 23.64M | 23.39M | 22.38M | 22.77M | 21.24M | 21.65M | 21.72M | 21.19M | 19.71M | 20.14M | 19.47M | 16.75M | 13.98M | 12.13M | 11.99M | 11.72M | 11.11M |
| Interest Expense | 3.89M | 0 | 0 | 0 | 0 | 0 | 1K | 0 | 0 | 0 | 0 | 43K | 73K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -43K | -73K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | 10.88M | 9.99M | 11.62M | 6.28M | 10.88M | 5.76M | 3.76M | 5.57M | 8.9M | 10.36M | 9.16M | 8.87M | 8.97M | 11.16M | 10.88M | 10.58M | 10.28M | 8.64M | 7.98M | 8.61M |
| Pretax Margin % | 22.16% | 20.18% | 21.5% | 12.92% | 21.15% | 10.47% | 7.3% | 11.21% | 17.66% | 18.76% | 16.97% | 17.13% | 17.17% | 21.63% | 22.42% | 23.71% | 24.14% | 21.11% | 20.3% | 22.59% |
| Income Tax | 2.14M | 1.8M | 2.4M | 1.12M | 2.33M | 1.17M | 736K | 1.26M | 1.83M | 1.95M | 1.77M | 1.73M | 1.86M | 1.87M | 2.08M | 2.02M | 2.02M | 940K | 1.17M | 1.58M |
| Effective Tax Rate % | 19.7% | 18.01% | 20.69% | 17.82% | 21.38% | 20.3% | 19.55% | 22.63% | 20.6% | 18.78% | 19.28% | 19.51% | 20.68% | 16.79% | 19.16% | 19.1% | 19.63% | 10.88% | 14.71% | 18.35% |
| Net Income | 8.83M | 8.19M | 9.11M | 8.86M | 8.97M | 4.59M | 2.94M | 4.48M | 7.15M | 8.41M | 7.39M | 7.14M | 7.12M | 9.29M | 8.8M | 8.56M | 8.26M | 7.7M | 6.8M | 7.03M |
| Net Margin % | 17.99% | 16.54% | 16.86% | 18.22% | 17.43% | 8.34% | 5.7% | 9.02% | 14.2% | 15.23% | 13.7% | 13.79% | 13.62% | 18% | 18.13% | 19.18% | 19.41% | 18.81% | 17.32% | 18.44% |
| Net Income Growth % | -1.49% | 78.25% | 209.94% | 97.48% | 25.36% | -45.37% | -60.27% | -37.18% | 0.49% | -9.42% | -15.97% | -16.63% | -13.82% | 20.55% | 29.3% | 21.86% | 16.79% | 20.14% | 17.71% | 29.18% |
| Net Income (Continuing) | 8.74M | 8.19M | 9.21M | 5.16M | 8.55M | 4.59M | 3.03M | 4.31M | 7.06M | 8.41M | 7.39M | 7.14M | 7.12M | 9.29M | 8.8M | 8.56M | 8.26M | 7.7M | 6.8M | 7.03M |
| Discontinued Operations | 93K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.67 | 0.62 | 0.68 | 0.66 | 0.66 | 0.33 | 0.21 | 0.31 | 0.51 | 0.61 | 0.54 | 0.52 | 0.51 | 0.67 | 0.64 | 0.62 | 0.60 | 0.55 | 0.48 | 0.48 |
| EPS Growth % | 1.52% | 87.88% | 223.81% | 112.9% | 29.41% | -45.9% | -61.11% | -40.38% | 0% | -8.96% | -15.63% | -16.13% | -15% | 21.82% | 33.33% | 29.17% | 22.45% | 25% | 20% | 29.73% |
| EPS (Basic) | 0.69 | 0.63 | 0.69 | 0.67 | 0.67 | 0.34 | 0.22 | 0.32 | 0.52 | 0.62 | 0.55 | 0.53 | 0.52 | 0.69 | 0.65 | 0.63 | 0.61 | 0.56 | 0.48 | 0.49 |
| Diluted Shares Outstanding | 13.18M | 13.22M | 13.4M | 13.52M | 13.64M | 13.72M | 13.79M | 13.82M | 13.79M | 13.76M | 13.79M | 13.85M | 13.86M | 13.81M | 13.8M | 13.8M | 13.81M | 14M | 14.28M | 14.51M |
| Basic Shares Outstanding | 12.8M | 12.94M | 13.12M | 13.27M | 13.4M | 13.44M | 13.5M | 13.54M | 13.53M | 13.47M | 13.5M | 13.55M | 13.6M | 13.55M | 13.54M | 13.54M | 13.58M | 13.75M | 14.04M | 14.27M |
| Dividend Payout Ratio | 46.73% | 50.49% | 44.73% | 46.62% | 46.56% | 91.4% | 138.94% | 91.28% | 57.17% | 48.42% | 53.37% | 55.53% | 55.88% | 42.69% | 43.46% | 44.64% | 46.4% | 50.25% | 56.06% | 55.15% |