Cass Information Systems, Inc. (CASS) Quarterly Income Statement

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Cass Information Systems, Inc. (CASS) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CASS Income Statement

Cass Information Systems, Inc. (CASS) annual income statement — 30-year revenue, gross profit & net income history

Metric	Q3'26	Q2'26	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

Sales/Revenue	52.48M	50.47M	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
Revenue Growth %	-2.83%	3.88%	-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%
Cost of Goods Sold	0	0	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
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%
Gross Profit	52.48M	50.47M	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
Gross Margin %	100%	100%	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%
Gross Profit Growth %	13.15%	24.38%	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%
Operating Expenses	39.57M	37.3M	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
OpEx % of Revenue	75.39%	73.9%	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%
Selling, General & Admin	0	0	35.49M	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	12.92M	13.17M	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
Operating Margin %	24.61%	26.1%	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%
Operating Income Growth %	11.2%	109.81%	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%
EBITDA	12.92M	15.02M	12.62M	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
EBITDA Margin %	24.61%	29.76%	25.7%	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%
EBITDA Growth %	-3.27%	83.21%	0.37%	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%
D&A (Non-Cash Add-back)	0	1.85M	1.73M	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
EBIT	12.92M	13.17M	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
Net Interest Income	22.89M	21.55M	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
Interest Income	22.89M	21.55M	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
Interest Expense	0	0	3.89M	0	0	0	0	0	1K	0	0	0	0	43K	73K	0	0	0	0	0
Other Income/Expense	0	0	0	0	0	0	0	0	0	0	0	0	0	-43K	-73K	0	0	0	0	0
Pretax Income	12.92M	13.17M	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
Pretax Margin %	24.61%	26.1%	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%
Income Tax	2.35M	2.6M	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
Effective Tax Rate %	18.18%	19.73%	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%
Net Income	10.57M	10.59M	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
Net Margin %	20.15%	20.98%	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%
Net Income Growth %	16.12%	19.56%	-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%
Net Income (Continuing)	10.57M	10.57M	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
Discontinued Operations	0	0	93K	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)	0.81	0.81	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
EPS Growth %	19.12%	22.73%	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%
EPS (Basic)	0.83	0.83	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
Diluted Shares Outstanding	13.04M	13.07M	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
Basic Shares Outstanding	12.78M	12.8M	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
Dividend Payout Ratio	38.76%	38.7%	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%