Cass Information Systems Inc
CASS Nasdaq· Services-Business Services, Nec
Last close · Oct 26, 2026
$55.10
KIRA · Stoqly’s AI analyst, in plain words
- Cass Information Systems Inc had $191M of revenue in fiscal 2025, up 5.3% on the year before. Over five years, revenue changed +5.6% a year on average.
- Cass Information Systems Inc made $35.1M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.4% a year.
- Free cash flow was $31.8M in fiscal 2025, 16.7% of revenue.
- Cass Information Systems Inc returned $42.5M to shareholders in fiscal 2025, 134% of free cash flow. The diluted share count fell 2.3%.
Market cap
$720M
P/E
19.9x
Revenue
$191M
Net income
$35.1M
Free cash flow
$31.8M
Operating margin
—
Cass Information Systems Inc in 30 seconds · fiscal 2025
Are sales growing?
+5.3%
Yes. Sales grew 5.3% last year.
Does it make a profit?
18.4%
Yes. It keeps 18.4% of every sale as profit.
Does profit turn into cash?
16.7%
Yes. 16.7% of sales ends up as free cash.
How is the share priced?
19.9x
One share costs 19.9 times its yearly profit per share.
What Cass Information Systems Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- CASS INFORMATION SYSTEMS INC
- CIK
- 0000708781
Cass Information Systems Inc · CASS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $154M | $182M | $177M | $181M | $191M |
| Revenue growth | 6.3% | 18.4% | −3.0% | 2.4% | 5.3% |
| Net interest income | $44.3M | $58.8M | $66.5M | $67.8M | $81.2M |
| Net income | $28.6M | $34.9M | $30.1M | $19.2M | $35.1M |
| Net margin | 18.6% | 19.1% | 17.0% | 10.6% | 18.4% |
| Diluted EPS | $2.00 | $2.53 | $2.18 | $1.39 | $2.61 |
| Cash | |||||
| Cash from operations | $34.5M | $51.6M | $36.9M | $38.9M | $37.4M |
| Capital expenditure | $4.4M | $5.9M | $11.9M | $8.5M | $5.7M |
| Free cash flow | $30.2M | $45.7M | $25.0M | $30.4M | $31.8M |
| FCF margin | 19.6% | 25.1% | 14.1% | 16.8% | 16.7% |
| Dividends paid | $15.4M | $15.4M | $16.0M | $16.5M | $16.5M |
| Share buybacks | $31.0M | $5.3M | $5.8M | $7.2M | $26.0M |
| Share count change | −1.6% | −3.6% | 0.1% | −0.3% | −2.3% |
| Debt and strength | |||||
| Cash and short-term investments | $1.0B | $381M | $724M | $680M | $758M |
| Loans, net | $949M | $1.1B | $1.0B | $1.1B | $1.0B |
| Deposits | $1.2B | $1.3B | $1.1B | $968M | $1.2B |
| Shareholders' equity | $246M | $206M | $230M | $229M | $243M |
| Returns and quality | |||||
| Return on equity | 11.3% | 15.4% | 13.8% | 8.4% | 14.9% |
| Return on tangible equity | 12.5% | 18.9% | 14.0% | 9.2% | 15.7% |
| Efficiency ratio | 78.1% | 76.5% | 80.5% | 87.1% | 79.7% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Cass Information Systems Inc · CASS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $55.10 a share, the company is worth $720M: 19.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000708781). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.