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Financials · CASS

Cass Information Systems Inc (CASS) financials

For the twelve months ended Sep 30, 2026, Cass Information Systems Inc reported $201.83M of revenue and $38.18M of net income.

Revenue, TTM
$201.83M
Revenue growth, YoY
+7.7%
Net income, TTM
$38.18M
Net income growth, YoY
+21.1%
Net margin
18.9%
Free cash flow, TTM
$33.29M
EPS, diluted, TTM
$2.90
EPS growth, YoY
+23.9%
Cash
$255.87M
P/E
18.57
P/S
3.51
Market cap
$708.9M
Annual revenue$191.10M
FY2016FY2025
Annual net income$35.12M
FY2016FY2025
Annual free cash flow$31.77M
FY2016FY2025

CASS revenue and earnings growth

CASS revenueQ3 2026$52.70M

Quarter YoY
+5.3%
QoQ
+4.4%
FY YoY
+5.2%
5Y CAGR
+5.6%
10Y CAGR
+4.7%

CASS revenue was $52.70M in fiscal Q3 2026 (ended Sep 30, 2026), up 5.3% from a year earlier and up 4.4% from the prior quarter. For the full fiscal 2025 it was $191.10M, up 5.2% from fiscal 2024. Compound annual growth was +5.6% over 5 years and +4.7% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CASS net incomeQ3 2026$10.57M

Quarter YoY
+16.1%
QoQ
-0.1%
FY YoY
+83.2%
5Y CAGR
+6.9%
10Y CAGR
+4.3%

CASS net income was $10.57M in fiscal Q3 2026 (ended Sep 30, 2026), up 16.1% from a year earlier and down 0.1% from the prior quarter. For the full fiscal 2025 it was $35.12M, up 83.2% from fiscal 2024. Compound annual growth was +6.9% over 5 years and +4.3% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CASS EPSQ3 2026$0.81

Quarter YoY
+19.1%
QoQ
+0.0%
FY YoY
+87.8%
5Y CAGR
+8.6%
10Y CAGR
+3.7%

CASS diluted EPS was $0.81 in fiscal Q3 2026 (ended Sep 30, 2026), up 19.1% from a year earlier and up 0.0% from the prior quarter. For the full fiscal 2025 it was $2.61, up 87.8% from fiscal 2024. Compound annual growth was +8.6% over 5 years and +3.7% over 10 years.

CASS free cash flowQ3 2026$2.66M

Quarter YoY
-76.4%
QoQ
-80.8%
FY YoY
+4.4%
5Y CAGR
-7.0%
10Y CAGR
+1.4%

CASS free cash flow was $2.66M in fiscal Q3 2026 (ended Sep 30, 2026), down 76.4% from a year earlier and down 80.8% from the prior quarter. For the full fiscal 2025 it was $31.77M, up 4.4% from fiscal 2024. Compound annual growth was -7.0% over 5 years and +1.4% over 10 years. It rose in 7 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$191.10M$181.63M$176.97M$183.83M$154.15M$145.77M$157.49M$148.27M$135.30M$125.54M
Interest expense-$20.26M$16.27M$3.48M$1.17M$2.36M$5.19M$3.74M$2.19M$2.03M
Pre-tax income$38.76M$23.45M$34.46M$42.90M$33.82M$30.34M$37.47M$36.35M$34.90M$32.06M
Income tax$7.65M$4.89M$6.57M$8.00M$5.22M$5.17M$7.06M$6.08M$9.88M$7.72M
Net income$35.12M$19.17M$30.06M$34.90M$28.60M$25.18M$30.40M$30.27M$25.01M$24.35M
EPS, basic$2.66$1.42$2.22$2.58$2.03$1.75$2.11$2.06$1.70$1.65
EPS, diluted$2.61$1.39$2.18$2.53$2.00$1.73$2.07$2.03$1.68$1.63
Diluted shares13.5M13.8M13.8M13.8M14.3M14.6M14.7M14.9M14.9M14.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$392.27M$349.73M$372.47M$200.94M$514.93M$670.53M$203.95M$230.93M$228.11M$266.74M
Short-term investments$366.14M$330.40M$351.56M$179.95M$502.63M$639.54M----
Goodwill$16.16M$16.33M$12.30M$17.31M$14.26M$14.26M$14.26M$12.57M$12.57M$11.59M
Total assets$2.61B$2.40B$2.48B$2.57B$2.55B$2.20B$1.76B$1.70B$1.60B$1.50B
Short-term debt------$18.00M---
Total liabilities$2.36B$2.17B$2.25B$2.37B$2.31B$1.94B$1.52B$1.47B$1.43B$1.30B
Shareholders' equity$243.00M$229.03M$229.81M$206.32M$245.80M$261.16M$244.19M$229.85M$225.09M$208.03M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$37.44M$38.95M$36.94M$51.61M$34.55M$47.78M$42.13M$48.34M$38.89M$35.19M
Capital expenditures$5.66M$8.51M$11.94M$5.87M$4.37M$2.00M$2.72M$4.40M$4.13M$4.68M
Free cash flow$31.77M$30.44M$25.00M$45.74M$30.18M$45.78M$39.40M$43.94M$34.76M$30.50M
Investing cash flow-$145.28M$3.95M$284.66M-$306.39M-$528.52M-$43.90M-$75.76M-$46.80M-$139.84M-$41.55M
Financing cash flow$150.38M-$65.64M-$150.07M-$59.20M$338.37M$462.69M$6.65M$1.28M$62.32M$19.93M
Dividends paid$16.51M$16.46M$15.96M$15.44M$15.45M$15.60M$15.23M$13.18M$10.68M$9.98M
Share repurchases$25.99M$7.25M$5.77M$5.30M$31.00M$6.83M$7.80M$8.84M$2.27M$9.21M
Stock-based compensation$4.19M$3.05M$4.01M$6.73M$2.86M$2.27M$3.14M$3.01M$2.34M$1.96M
Depreciation and amortization-----$11.27M$10.94M$11.24M$11.34M$9.43M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY5.2%2.6%-3.7%19.3%5.7%-7.4%6.2%9.6%7.8%3.9%
Net income growth, YoY83.2%-36.2%-13.9%22.0%13.6%-17.2%0.4%21.0%2.7%5.6%
EPS growth, YoY87.8%-36.2%-13.8%26.5%15.6%-16.4%2.0%20.8%3.1%-10.4%
Net margin18.4%10.6%17.0%19.0%18.6%17.3%19.3%20.4%18.5%19.4%
Free cash flow margin16.6%16.8%14.1%24.9%19.6%31.4%25.0%29.6%25.7%24.3%
Return on equity14.5%8.4%13.1%16.9%11.6%9.6%12.5%13.2%11.1%11.7%
Return on assets1.3%0.8%1.2%1.4%1.1%1.1%1.7%1.8%1.6%1.6%

Source: XBRL data Cass Information Systems Inc files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CASS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CASS$201.83M+7.7%$38.18M18.9%$708.9M
V$45.90B+14.8%$23.50B51.2%$761.17B
MA$36.29B+15.3%$16.96B46.7%$571.32B
BABACN¥1.02T+2.7%CN¥103.59B10.1%$255.28B
ACN$74.18B+6.5%$8.37B11.3%$170.10B
UBER$56.53B+13.9%$3.46B6.1%$145.32B
PDDCN¥431.85B+9.7%CN¥97.84B22.7%$114.58B
DASH$17.06B+35.0%$1.06B6.2%$78.89B
MELI$38.52B+47.1%$1.89B4.9%$77.70B

CASS FAQ

8 questions
  • What is CASS revenue?
    Cass Information Systems Inc (CASS) reported $201.83M of revenue for the twelve months ended Sep 30, 2026. That is up 7.7% from the year before. Revenue for fiscal 2025 was $191.10M.
  • Is CASS profitable?
    Yes. Cass Information Systems Inc earned $38.18M in net income for the twelve months ended Sep 30, 2026, a net margin of 18.9%.
  • How much cash and debt does CASS have?
    Cass Information Systems Inc reported $255.87M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CASS revenue growing?
    Cass Information Systems Inc's revenue changed +5.2% in fiscal 2025, to $191.10M. Its compound annual growth rate was +5.6% over 5 years and +4.7% over 10 years.
  • What is CASS free cash flow?
    Cass Information Systems Inc generated $33.29M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $40.66M less capital expenditures.
  • What is CASS earnings per share?
    Diluted earnings per share were $2.90 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CASS last report financial results?
    The latest statements here come from Cass Information Systems Inc's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this CASS financial data come from?
    Quantisnow builds these statements from the structured XBRL data Cass Information Systems Inc files with the SEC. It is provided for information only and is not investment advice.