CASS INFORMATION SYSTEMS INC CASS

Industrials SIC 7389 - Services-Business Services, NEC NAICS Administrative and Support and Waste Management and Remediation Services › Administrative and Support Services derived Nasdaq

Cass Information Systems, Inc. ("Cass" or the "Company") provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. The Company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. Cass also processes and pays facility-related invoices, which include electricity and gas as well as waste and telecommunications expenses. Cass solutions include integrated payments, a B2B payment platform for clients that require an agile fintech partner. Additionally, the Company offers a church management software solution and an on-line platform to provide generosity services for faith-based and non-profit organizations. The Company's bank subsidiary, Cass Commercial Bank (the "Bank"), supports the Company's payment operations. The Bank also provides banking services to its target markets, which include privately held businesses in the St. Louis metropolitan area and restaurant franchises and faith-based ministries within the United States.

Last close 54.83 2026-10-23
Market cap $702.2M 2026-06-30 share count
52-week range 38.42 - 59.63

Valuation FY2025 figures against the last close

P/S6.5x
P/E21.0x
P/FCF22.1x
EV/EBITDA—
Dividend yield2.4%
Diluted EPS2.61

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $108.0M$109.9M$106.1M$121.7M$108.7M$98.9M$109.3M$148.3M$135.3M$125.5M
Total operating expenses $152.0M$157.7M$142.5M$139.6M——————
Interest expense $81.2M$67.8M$66.5M$3.5M$1.2M$2.4M$5.2M$3.7M$2.2M$2.0M
Pre-tax income $38.8M$23.4M$34.5M$42.9M$33.8M$30.3M$37.5M$36.3M$34.9M$32.1M
Income tax $7.6M$4.9M$6.6M$8.0M$5.2M$5.2M$7.1M$6.1M$9.9M$7.7M
Net income $35.1M$19.2M$30.1M$34.9M$28.6M$25.2M$30.4M$30.3M$25.0M$24.3M
EPS, basic 2.661.422.222.582.031.752.112.061.701.65
EPS, diluted 2.611.392.182.532.001.732.072.031.681.63
Shares, diluted (wtd. avg.) 13.5M13.8M13.8M13.8M14.3M14.6M14.7M14.9M14.9M14.9M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $392.3M$349.7M$372.5M$200.9M$514.9M$670.5M$204.0M$230.9M$228.1M$266.7M
Short-term investments $366.1M$330.4M$351.6M$179.9M$502.6M$639.5M————
Property, plant and equipment $29.4M$30.6M$30.1M$20.0M$18.1M$18.1M$20.5M$22.0M$21.6M$21.1M
Goodwill $16.2M$16.3M$12.3M$17.3M$14.3M$14.3M$14.3M$12.6M$12.6M$11.6M
Other intangibles $3.7M$4.9M$3.3M$4.1M$2.6M$3.4M$4.3M$1.6M$2.0M$2.0M
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 ——————$18.0M———
Total liabilities $2.36B$2.17B$2.25B$2.37B$2.31B$1.94B$1.52B$1.47B$1.43B$1.30B
Retained earnings $167.1M$148.5M$145.8M$131.7M$112.2M$99.1M$90.3M$75.2M$59.3M$118.4M
Total equity $243.0M$229.0M$229.8M$206.3M$245.8M$261.2M$244.2M$229.8M$225.1M$208.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $37.4M$38.9M$36.9M$51.6M$34.5M$47.8M$42.1M$48.3M$38.9M$35.2M
Depreciation and amortisation $6.0M$5.0M$4.0M$4.0M$4.3M$4.5M$4.2M$11.2M$11.3M$9.4M
Stock-based compensation $4.2M$3.1M$4.0M$6.7M$2.9M$2.3M$3.1M$3.0M$2.3M$2.0M
Capital expenditure $5.7M$8.5M$11.9M$5.9M$4.4M$2.0M$2.7M$4.4M$4.1M$4.7M
Investing cash flow -$145.3M$4.0M$284.7M-$306.4M-$528.5M-$43.9M-$75.8M-$46.8M-$139.8M-$41.6M
Financing cash flow $150.4M-$65.6M-$150.1M-$59.2M$338.4M$462.7M$6.7M$1.3M$62.3M$19.9M
Dividends paid $16.5M$16.5M$16.0M$15.4M$15.4M$15.6M$15.2M$13.2M$10.7M$10.0M
Buybacks $26.0M$7.2M$5.8M$5.3M$31.0M$6.8M$7.8M$8.8M$2.3M$9.2M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000708781-26-000010.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 125.5M Net income, FY2016: 24.3M Revenue, FY2017: 135.3M Net income, FY2017: 25M Revenue, FY2018: 148.3M Net income, FY2018: 30.3M Revenue, FY2019: 109.3M Net income, FY2019: 30.4M Revenue, FY2020: 98.9M Net income, FY2020: 25.2M Revenue, FY2021: 108.7M Net income, FY2021: 28.6M Revenue, FY2022: 121.7M Net income, FY2022: 34.9M Revenue, FY2023: 106.1M Net income, FY2023: 30.1M Revenue, FY2024: 109.9M Net income, FY2024: 19.2M Revenue, FY2025: 108M Net income, FY2025: 35.1M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $125.5M $135.3M $148.3M $109.3M $98.9M $108.7M $121.7M $106.1M $109.9M $108.0M
Gross profit — — — — — — — — — —
Net income $24.3M $25.0M $30.3M $30.4M $25.2M $28.6M $34.9M $30.1M $19.2M $35.1M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Results announced Item 2.02
  • Other event Item 8.01
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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