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CASS INFORMATION SYSTEMS INC

CASS

Companies in Services-Business Services, NEC

MDCEVMARPAYUBERACN

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Financial Statements

Values in Millions ($)
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Subscriber-only column
Cash And Due From Banks
3526315121929617212427
Short Term Investments
209366228213208330201218175352385243
Cash Cash Equivalents And Short Term Investments
244392259218221350231224193372408270
Debt Securities Available For Sale Excluding Accru…
785771717600577528551541622627616638
Assets
Assets
2,5342,6062,4542,3162,3182,3952,2612,2832,2942,4792,5052,471
Financing Receivable Excluding Accrued Interest Be…
1,0891,0611,0881,1171,1421,0821,0781,0621,0371,0141,0401,056
Financing Receivable Allowance For Credit Loss Exc…
141414141413131413131313
Financing Receivable Excluding Accrued Interest Af…
1,0751,0481,0741,1031,1281,0691,0651,0481,0241,0011,0261,043
Property Plant And Equipment Net
302930313231343333302624
Bank Owned Life Insurance
535252515150505049494949
Goodwill
161616161616171212171717
Intangible Assets Net Excluding Goodwill
344455333344
Receivables From Customers
569506040563178331112984
Other Assets
616063556168727398687173
Liabilities And Stockhold…
Liabilities
Deposits By Type
Noninterest Bearing Deposit Liabilities
406513407371364251393372413524511679
Interest Bearing Deposit Liabilities
700687627633636717655640666616666512
Deposits
1,1061,2001,0351,0041,0009681,0471,0121,0791,1411,1771,191
Other Short Term Borrowings
145-----------
Other Liabilities
413845354946394340373943
Liabilities
2,2922,3632,2102,0752,0842,1662,0232,0532,0642,2492,2992,256
Preferred Stock Value
000000000000
Common Stock Value Outstanding
888888888888
Additional Paid In Capital Common Stock
207207206205204206205204204208208207
Stockholders Equity
Stockholders Equity
242243243241234229238230229230206215
Retained Earnings Accumulated Deficit
172167163158153148148149149146141138
Treasury Stock Value
--112----88----84--
Treasury Stock Common Value
114-1049791-848282-8481
Accumulated Other Comprehensive Income Loss Net Of…
-30-27-29-33-40-45-39-50-49-47-67-56
Liabilities And Stockholders Equity
2,5342,6062,4542,3162,3182,3952,2612,2832,2942,4792,5052,471
Assets Of Disposal Group Including Discontinued Op…
-0001414------
Liabilities Of Disposal Group Including Discontinu…
-0001922------
Preferred Stock Par Or Stated Value Per Share
0.50.50.50.50.50.50.50.50.50.50.50.5
Preferred Stock Shares Authorized
222222222222
Preferred Stock Shares Issued
000000000000
Common Stock Par Or Stated Value Per Share
0.50.50.50.50.50.50.50.50.50.50.50.5
Common Stock Shares Authorized
404040404040404040404040
Common Stock Shares Issued
161616161616161616161616
Shares Outstanding
131313131314141414141414
Treasury Stock Common Shares
332222222222

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Earnings Market Reaction

Fiscal Year
Q1 1 Month
Q1 2 Month
Q1 3 Month
Q2 1 Month
Q2 2 Month
Q2 3 Month
Q3 1 Month
Q3 2 Month
Q3 3 Month
Q4 1 Month
Q4 2 Month
Q4 3 Month
2026-2.42%10.08%15.80%---------
20251.46%6.81%1.25%4.43%-1.48%-4.75%7.28%8.85%14.36%-3.15%10.02%1.83%
2024-1.81%-7.88%-9.70%11.30%6.73%8.80%-0.13%-8.05%-7.89%-0.84%-5.30%-0.84%
20238.78%4.75%3.70%0.37%-2.36%-2.62%8.33%15.89%13.16%-1.53%-11.86%-3.35%

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Performance and Valuation Metrics

Metrics
2026-03-31
2025-12-31
2025-09-30
2025-06-30
2025-03-31
2024-12-31
2024-09-30
2024-06-30
2024-03-31
2023-12-31
2023-09-30
2023-06-30
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Leverage & Debt
Interest Coverage TTM
-0.49
-0.47
-0.50
-0.34
-0.00
0.66
2.41
2.73
3.05
3.30
3.78
5.05
Per Share Metrics
Diluted EPS TTM
2.66
2.61
2.35
1.88
1.54
1.39
1.67
1.99
2.18
2.18
2.24
2.33
Free Cash Flow Per Share TTM
1.98
2.41
3.51
2.45
3.22
2.25
1.08
1.94
1.60
1.67
2.16
2.11
Dividend Per Share TTM
1.28
1.25
1.26
1.25
1.24
1.22
1.21
1.20
1.19
1.18
1.17
1.16
Margin Metrics
Gross Profit Margin TTM
85.06%
84.88%
86.38%
85.65%
82.38%
81.57%
82.45%
83.43%
85.24%
87.15%
92.62%
94.66%
Operating Profit Margin TTM
35.97%
35.89%
27.16%
20.78%
23.33%
21.33%
24.67%
28.41%
30.23%
29.50%
20.53%
21.61%
Net Profit Margin TTM
32.46%
32.52%
25.19%
20.16%
19.26%
17.44%
19.83%
22.94%
24.40%
23.74%
16.64%
17.52%
Growth Metrics
Net Revenue Growth (1Y)
-1.10%
-1.76%
7.99%
5.14%
-11.64%
-13.18%
-37.65%
-35.20%
-32.80%
-30.61%
71.83%
58.67%
Net Income Growth (1Y)
66.72%
83.20%
37.14%
-7.61%
-30.28%
-36.23%
-25.70%
-15.15%
-10.87%
-13.88%
-7.16%
3.23%
EPS Growth (1Y)
73.50%
87.65%
41.20%
-5.73%
-29.59%
-36.10%
-25.71%
-15.05%
-10.41%
-13.74%
-6.88%
3.15%
Valuation Metrics
P/E TTM
16.09
15.37
16.02
22.10
26.64
27.61
23.19
18.68
20.32
18.90
15.05
14.93
P/B TTM
2.33
2.22
2.07
2.33
2.39
2.31
2.24
2.23
2.66
2.47
2.26
2.24
P/S TTM
5.22
5.00
4.03
4.46
5.13
4.81
4.60
4.29
4.96
4.49
2.50
2.62
Market Cap
562.89M
539.72M
504.94M
560.35M
559.04M
529.16M
532.94M
512.56M
611.44M
568.25M
465.55M
482.86M
Enterprise Value
318.55M
147.45M
246.30M
342.18M
338.36M
179.44M
302.39M
288.84M
418.64M
195.78M
57.12M
212.39M
Calculated Values
Free Cash Flow TTM
25.44M
31.77M
46.08M
32.57M
43.09M
30.44M
14.60M
26.26M
21.61M
22.61M
29.22M
28.66M
Net Debt
-244.34M
-392.27M
-258.63M
-218.17M
-220.67M
-349.73M
-230.56M
-223.73M
-192.80M
-372.47M
-408.44M
-270.47M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2025-10-02Purchase
Owner: Resch, Martin H.
Title: President & CEO
Shares: 500
Price/Share: $38.69
Value: $19,345.00
Shares Owned: 41,920
Relationship: Officer
Ownership: Direct
2025-08-01Purchase
Owner: Normile, Michael James
Title: CFO
Shares: 200
Price/Share: $39.61
Value: $7,922.00
Shares Owned: 15,910
Relationship: Officer
Ownership: Direct
2025-08-01Purchase
Owner: Resch, Martin H.
Title: President & CEO
Shares: 500
Price/Share: $39.50
Value: $19,750.00
Shares Owned: 41,420
Relationship: Officer
Ownership: Direct
2025-07-31Purchase
Owner: Resch, Martin H.
Title: President & CEO
Shares: 500
Price/Share: $39.75
Value: $19,875.00
Shares Owned: 40,920
Relationship: Officer
Ownership: Direct
2025-04-21Purchase
Owner: Resch, Martin H.
Title: President & CEO
Shares: 200
Price/Share: $39.00
Value: $7,800.00
Shares Owned: 40,420
Relationship: Officer
Ownership: Direct

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Institutional Ownership

No data available for chart
2026-03-31
58.85%
Inst. Shares: 7,576,678
Shares Outstanding: 12,874,755
2025-12-31
52.51%
Inst. Shares: 6,921,662
Shares Outstanding: 13,181,884
2025-09-30
51.27%
Inst. Shares: 6,724,764
Shares Outstanding: 13,116,216
2025-06-30
74.83%
Inst. Shares: 9,930,035
Shares Outstanding: 13,269,415
2025-03-31
57.00%
Inst. Shares: 7,636,720
Shares Outstanding: 13,398,183

CASS INFORMATION SYSTEMS INC (CASS) — SEC Financial Statements & Analysis

CASS INFORMATION SYSTEMS INC (CASS) is a services-business services, nec company, incorporated in MO. CASS INFORMATION SYSTEMS INC trades on CASS: Nasdaq as: CASS. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), CASS INFORMATION SYSTEMS INC reported a -1.10% year-over-year revenue growth, a Gross Profit Margin of 85.06% (TTM), a Price-to-Sales (P/S) ratio of 5.22x (TTM), a Price-to-Book (P/B) ratio of 2.33 (TTM), at a market cap of $562.89M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y
-1.10%
Gross Profit Margin TTM
85.06%
P/S TTM
5.22x
P/B TTM
2.33
Market Cap
$562.89M

Data as of 2026-03-31 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CASS INFORMATION SYSTEMS INC in?

CASS INFORMATION SYSTEMS INC (CASS) operates in the Services-Business Services, NEC industry.

What is CASS's market cap?

CASS INFORMATION SYSTEMS INC (CASS) has a market capitalization of $562.89M as of 2026-03-31.

What is CASS's P/E ratio?

CASS INFORMATION SYSTEMS INC (CASS)'s trailing twelve month P/E ratio is 16.09x as of 2026-03-31.

What exchange does CASS trade on?

CASS INFORMATION SYSTEMS INC (CASS) trades on the CASS: Nasdaq.

Where is CASS INFORMATION SYSTEMS INC incorporated?

CASS INFORMATION SYSTEMS INC is incorporated in MO.

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CASS INFORMATION SYSTEMS INC (CASS) financial data sourced directly from SEC EDGAR filings — including the latest 10-K annual report, 10-Q quarterly filings, insider transactions (SEC Form 4), institutional ownership (SEC Form 13F), Earning Marker Reaction Heat Map and 50+ calculated financial metrics like Price to Earnings Ratio (P/E), Return on Equity (ROE), Debt to Equity (D/E), Free Cash Flow Per Share (FCF/S), and Return on Invested Capital (ROIC). Unlike platforms that rely on third-party data aggregators, GeminIQ parses raw SEC filings directly — delivering institutional-grade accuracy at a fraction of the cost of Bloomberg Terminal or S&P Capital IQ.