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  4. CASS INFORMATION SYSTEMS INC
Cass Information Systems Inc
XNAS: CASS
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Cass Information Systems Inc quarterly and annual earnings report: results, revenue, profit, P&L, balance sheet, cash flow, financial ratios, revenue mix, peer comparison, and financial documents

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Forecaster Analyst Estimates for Cass Information Systems Inc share price target, revenues, EPS, net income and more

Cass Information Systems Inc quarterly results: revenue, profit, and P&L – 13 quarter history

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  • POSITIVE

    Quarterly Revenue Cass Information Systems Inc Jun-2026 Quarterly Revenue is $50 Million which is growth of 13.6% YoY.

  • POSITIVE

    Quarterly Net Profit Cass Information Systems Inc Jun-2026 Quarterly Net Profit is $11 Million which is growth of 19.6% YoY.

Cass Information Systems Inc, Earnings Report - Quarterly Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphJun '26Mar '26Dec '25Sep '25Jun '25Mar '25Dec '24Sep '24Jun '24Mar '24Dec '23Sep '23Jun '23
Operating Rev.
50.549.24049.944.447.341.150.44949.840.949.448.1
Cost Of Rev.
-------------
Gross Profit
-------------
⌄
----------32.929.629.4
Operating Profit
----------
⌄
-------------
Profit Before Tax
13.210.91011.66.310.95.83.75.8910.49.28.9
Tax
2.62.11.82.41.12.31.20.71.31.91.91.81.7
⌄
10.68.88.29.18.994.62.94.57.28.47.47.1
Diluted NI Avail to Com Stockholders Ann.
10.68.88.29.18.994.62.94.57.28.47.47.1
Basic EPS
0.80.70.60.70.70.70.30.20.30.50.60.60.5
Diluted EPS After ExtraOrdinary
0.80.70.60.70.40.60.30.20.30.50.60.50.5
Number Of Shares End
12.812.912.913.113.313.413.413.513.513.513.513.513.6
Net Income Continuing Discontinued Operations
10.68.88.29.18.994.62.94.57.28.47.47.1
Normalized Income
10.68.78.29.25.28.64.62.94.57.28.47.47.1
Interest Income
25.625.125.425.223.623.422.422.821.221.721.721.219.7
Interest
4.13.93.94.24.24.14.65.25.35.24.74.63.7
Net Interest Income
21.621.221.52119.519.317.817.615.916.51716.616
EBIT
-------------
EBITDA
-------------
Reconciled Cost Of Rev.
-------------
Reconciled Depr.
1.91.71.91.71.91.71.81.51.41.31.31.21.3
Profit From Continuing Operations
10.68.78.29.25.28.64.62.94.57.28.47.47.1
Normalized EBITDA
-------------
*All financials are in USD Million and price data in USD
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Cass Information Systems Inc competitor comparison and performance snapshot within industry

Cass Information Systems Inc annual results: revenue, profit, P&L, and margins as of Dec 2025 – 11 year history

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  • NEGATIVE

    Annual Revenue Cass Information Systems Inc Dec-2025 Annual Revenue is $182 Million which is growth of -4.6% YoY.

  • POSITIVE

    Annual Net Profit Cass Information Systems Inc Dec-2025 Annual Net Profit is $35 Million which is growth of 83.2% YoY.

Cass Information Systems Inc, Earnings Report - Annual Results, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsTTMDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
1%
5.4%
 181.6190.2187.3176146.6139.9152143.4130.9120.7117.1
Cost Of Rev. Ann.
-
-
 -----------
Gross Profit Ann.
-
-
 -----------
Operating Exp. Ann.
-
-
 ---16.3-3.5-1.2-2.4-5.2-3.7-2.2-2-2.1
Operating Profit Ann.
-
-
 --203.6179.4147.8142.3157.2147.1133.1122.8119.2
⌄
-
-
 -----------
Other Exp. Ann.
-
-
 -----------
PBT Ann.
-3.3%
5.1%
45.738.824.237.442.933.830.337.536.434.932.131
Tax Ann.
-1.3%
8.2%
8.97.75.17.385.25.27.16.19.97.78
⌄
0.2%
6.9%
36.735.119.230.134.928.625.230.430.32524.423.1
Diluted NI Avail to Com Stockholders Ann.
0.2%
6.9%
36.735.119.230.134.928.625.230.430.32524.423.1
EPS Ann.
1.3%
8.4%
 2.71.42.22.621.82.12.11.71.71.5
Diluted EPS Ann.
1.3%
8.9%
 2.61.42.22.521.72.121.71.61.5
Number Of Shares End
-1.7%
-2%
 12.913.413.513.613.814.314.414.614.714.714.9
Total Exp. Ann.
-
-
 -----------
Net Income Continuing Discontinued Operations Ann.
0.2%
6.9%
36.735.119.230.134.928.625.230.430.32524.423.1
Normalized Income Ann.
-3.8%
4.3%
36.731.119.230.134.928.625.230.430.32524.423.1
Interest Income Ann.
16.1%
15.4%
101.297.688.182.862.345.547.752.647.94239.938.7
Interest Ann.
67%
46.7%
1616.320.316.33.51.22.45.23.72.222.1
EBITDA Ann.
-
-
 -----------
Reconciled Cost Of Rev. Ann.
-
-
 -----------
Reconciled Depr. Ann.
15.3%
-8.6%
7.27.2654.75.211.310.911.211.39.48.9
Profit From Continuing Operations Ann.
-3.8%
4.3%
36.731.119.230.134.928.625.230.430.32524.423.1
Normalized EBITDA Ann.
-
-
 -----------
*All financials are in USD Million and price data in USD
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Total Rev. Ann.
1Y CHG
-4.5%
2Y CAGR
-1.5%
3Y CAGR
1%
5Y CAGR
5.4%
7Y CAGR
3.4%
10Y CAGR
4.5%
Total Revenue Annual is falling faster than historical averages.
Net Profit Ann.
1Y CHG
82.8%
2Y CAGR
8%
3Y CAGR
0.2%
5Y CAGR
6.9%
7Y CAGR
2.1%
10Y CAGR
4.3%
Net Profit Annual growth is higher than historical averages.

Cass Information Systems Inc balance sheet as of Dec 2025: assets, liabilities, reserves, and borrowings – 11 year history

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  • POSITIVE

    Total Shareholders Fund Cass Information Systems Inc Dec-2025 Total Shareholders Fund is $243 Million which is growth of 6.1% YoY.

  • POSITIVE

    Total Assets Cass Information Systems Inc Dec-2025 Total Assets is $2,606 Million which is growth of 8.8% YoY.

Cass Information Systems Inc, Balance Sheet, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
0.4%
3.4%
2,6062,395.12,478.62,5732,554.92,203.21,764.21,695.21,603.21,504.81,455.5
⌄
-0.1%
4%
2,3632,166.12,248.82,366.72,309.11,942.11,520.11,465.31,378.11,296.81,248.1
⌄
5.6%
-1.4%
243229229.8206.3245.8261.2244.2229.9225.1208207.4
Total Capitalization Ann.
-
-
-----------
Tangible Assets Ann.
6.5%
-1.7%
223.1202.7209.2184.9229243.5225.7215.7210.5194.5193.4
Working Capital Ann.
-
-
--
Invested Capital Ann.
-
-
------262.2----
Tangible Book Value Ann.
6.5%
-1.7%
223.1202.7209.2184.9229243.5225.7215.7210.5194.5193.4
Borrowings Ann.
-
-
-----18----
Net Debt Ann.
-
-
-----------
Share Issued Ann.
0%
0%
15.515.515.515.515.515.515.515.515.715.815.8
Number Of Shares End
-1.7%
-2%
12.913.413.513.613.814.314.414.614.714.714.9
*All financials are in USD Million and price data in USD
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Total Assets Ann.
1Y CHG
8.8%
2Y CAGR
2.5%
3Y CAGR
0.4%
5Y CAGR
3.4%
7Y CAGR
6.3%
10Y CAGR
6%
Total Assets Annual growth is higher than historical averages.
Total ShareHolders Funds Ann.
1Y CHG
6.1%
2Y CAGR
2.8%
3Y CAGR
5.6%
5Y CAGR
-1.4%
7Y CAGR
0.8%
10Y CAGR
1.6%
Total ShareHolders Funds Annual growth is higher than historical averages.

Cass Information Systems Inc ROE, ROCE, book value, and debt-to-equity ratio as of Dec 2025 – 11 year history

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  • POSITIVE

    Book Value Per Share Cass Information Systems Inc Book Value Per Share is $19 which is growth of 12.3% YoY.

  • NEUTRAL

    ROE Cass Information Systems Inc ROE is 0% which is growth of 0% YoY.

Cass Information Systems Inc, Ratios, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
RoA Ann. %
-
-
-0.79%1.19%1.36%1.20%1.27%1.76%1.84%1.61%1.64%1.56%
ROE Ann. %
-
-
-8.36%13.78%15.44%11.28%9.96%12.83%13.31%11.55%11.72%11.31%
ROIC %
-
-
-----------
OPM Ann. %
-
-
--108.68%101.98%100.80%101.69%103.42%102.61%101.67%101.68%101.80%
Inventory Turnover Ratio Ann.
-
-
-----------
Asset Turnover Ann. %
-
-
-0.10.10.10.10.10.10.10.10.10.1
Working Capital Turnover Ann.
-
-
-----------
Quick Ratio Ann.
-
-
-----------
Current Ratio Ann.
-
-
-----------
Interest Coverage Ratio Ann.
-
-
-----------
LT Debt To Equity Ann.
-
-
-----------
*All financials are in USD Million and price data in USD
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Cass Information Systems Inc cash flow: net, operating, investing, and financing flows as of Dec 2025 – 11 year history

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  • NEGATIVE

    Cash From Operating Activity Cass Information Systems Inc Dec-2025 Cash From Operating Activity is $39 Million which is growth of -0.4% YoY.

  • POSITIVE

    Net Cash Flow Cass Information Systems Inc Dec-2025 Net Cash Flow is $64 Million which is growth of 380.0% YoY.

Cass Information Systems Inc, Cash Flow, standalone, All financials are in USD Million and price data in USD
IndicatorGraphCAGR 3 YrsCAGR 5 YrsDec '25Dec '24Dec '23Dec '22Dec '21Dec '20Dec '19Dec '18Dec '17Dec '16Dec '15
⌄
-9.1%
-4.1%
38.83936.951.634.647.839.448.338.935.233.5
⌄
-
-
-145.24284.7-306.4-528.5-43.9-75.8-46.8-139.8-41.6-3.6
⌄
-
-18.1%
170.1-65.6-150.1-59.2338.4462.76.71.362.319.9-71
Cash Plus Cash Eqv. End Of Year Ann.
25%
-10.2%
392.3349.7372.5200.9514.9670.5204230.9228.1266.7253.2
Net Increase In Cash Plus Cash Eqv.s Ann.
-
-38.1%
42.5-22.7171.5-314-155.6466.6-272.8-38.613.6-41.2
Cash Plus Cash Eqv. Begin Of Year Ann.
-12.1%
11.4%
349.7372.5200.9514.9670.5204230.9228.1266.7253.2294.3
Income Tax Paid Supplemental Data Ann.
-15.3%
1.6%
5.15.59.38.45.64.77.66.77.77.18.2
Interest Paid Supplemental Data Ann.
69%
46.9%
16.420.215.73.41.22.45.23.72.222.1
Capex Ann.
-
-
-5.7-9.3-14.3-5.9-4.4-2-2.7-4.4-4.1-4.7-5.8
Issuance Of Capital Stock Ann.
-
-
-----------
Issuance Of Debt Ann.
-
-
-----------
Repayment Of Debt Ann.
-
-
-----------
Repurchase Of Capital Stock Ann.
-
-
-26-7.3-5.8-5.3-31-6.8-7.8-8.8-2.3-9.2-11
Free Cash Flow Ann.
-11.4%
-7%
31.829.622.645.730.245.839.443.934.830.527.8
*All financials are in USD Million and price data in USD
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Cash from Operating Act. Ann.
1Y CHG
-0.5%
2Y CAGR
2.5%
3Y CAGR
-9.1%
5Y CAGR
-4.1%
7Y CAGR
-3.1%
10Y CAGR
1.5%
Cash from Operating Activity Annual is falling slower than historical averages.
Cash from Financing Act. Ann.
5Y CAGR
-18.1%
7Y CAGR
100.6%
Cash from Financing Annual Activity growth is higher than historical averages.
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