Cass Information Systems, Inc.

Cass Information Systems, Inc.

CASSยทNASDAQ

$46.47

-1.6%
IndustrialsSpecialty Business Services

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.

At a Glance

Live Snapshot
Market Cap$598.12M
EPS2.6600
P/E Ratio15.59
Earnings Date07/16/2026
3Y-27.0%
5Y-22.0%
10Y+6.0%
3Y-53.0%
5Y+231.0%
10Y+250.0%
3Y-354.0%
5Y-67.0%
10Y+654.0%
CASS

Cass Information Systems, Inc. Cash Conversion Engine

CASS ยท NASDAQ
Net Income35.12M
Depreciation & Amortization0.00
Stock-Based Compensation4.19M
Change in Working Capital-6.68M
Others4.81M
Capital Expenditures-5.66M
Free Cash Flow31.77M

Cash Flow Quality Analysis

FCF Conversion Rate

90.5%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

15.1%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+7.3%

Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.

Working Capital Impact

-$6.68M

Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Cass Information Systems, Inc. Cash Flow Statement

CASS โ€ข NASDAQ

Cass Information Systems, Inc. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
OPERATING ACTIVITIES
35.1M
19.2M
30.1M
34.9M
28.6M
25.2M
30.4M
30.3M
25M
24.3M
23.1M
24M
23.5M
23.3M
23M
20.3M
16.1M
19M
17.8M
15.5M
0.0
6M
5M
4.7M
5.2M
5.3M
10.9M
11.2M
11.3M
9.4M
8.9M
8.2M
7.3M
6.9M
4.5M
4M
4M
4.3M
3.2M
2M
0.0
-1M
-284K
-1.2M
-698K
-874K
1.2M
-3.5M
4M
319K
-137K
-679K
57K
974K
2.1M
1.3M
-650K
1.6M
1.4M
-289K
4.2M
3.2M
4.1M
6.7M
2.9M
2.3M
3.1M
3M
2.3M
2M
2.1M
2M
2M
1.4M
1.4M
1.5M
1.9M
0.0
0.0
0.0
4.8M
4.1M
825K
10.7M
817K
9.5M
-1.4M
-5.8M
-4.1M
-5.4M
-4.9M
-1M
-5.8M
3.8M
1.6M
1.4M
1.1M
-4.3M
519K
-3.4M
(5.1M)
(5.5M)
(9.3M)
(8.4M)
(5.6M)
(4.7M)
(7.6M)
(6.7M)
(7.7M)
(7.1M)
(8.2M)
(8.5M)
(8.3M)
(6.4M)
(6.3M)
(7.9M)
(5.7M)
(4.9M)
(0.0)
(0.0)
-6.7M
7.6M
-2.8M
-4.3M
-2.2M
6.4M
-2.2M
13.1M
326K
4.5M
4.6M
2.3M
1.9M
-1.1M
-7M
-4.7M
-3.4M
1.4M
743K
1.6M
37.4M
38.9M
36.9M
51.6M
34.5M
47.8M
42.1M
48.3M
38.9M
35.2M
33.5M
34.8M
28.9M
35.3M
25.6M
23.8M
19.1M
22M
23.7M
15.5M
INVESTING ACTIVITIES
(0.0)
-9.3M
-14.3M
-5.9M
-4.4M
-2M
-2.7M
-4.4M
-4.1M
-4.7M
-5.7M
-6.3M
-4.9M
-3.1M
-1.9M
-1.2M
-1.1M
-1.2M
-2.1M
-3M
(0.0)
(0.0)
(0.0)
-4.8M
(0.0)
(0.0)
-2.8M
-35.3M
-21.3M
-5.8M
(10.9M)
-17M
(34.4M)
-19.2M
(0.0)
-67.2M
-50.2M
(1.2M)
(2.1M)
-3.2M
(0.0)
-119.7M
-15.3M
-232.1M
-494.2M
-20M
-51M
-82M
-124.8M
-96.3M
-161.3M
-54.1M
-104.4M
-114.6M
-61.8M
-49.9M
-51.2M
-54.5M
-120.3M
-90.3M
0.0
213.3M
150.8M
65M
160.7M
85.7M
26.2M
96.6M
44.2M
65M
137.8M
18.9M
113.9M
81.6M
60.4M
4.8M
27.6M
32M
52.5M
83.5M
-145.3M
-80.3M
163.5M
-128.7M
-190.6M
-107.6M
-45.4M
-21.7M
-33.8M
179K
14.7M
-42.6M
-14.1M
-9.9M
-27.8M
-11M
-772K
-107M
-1.3M
22.9M
-145.3M
(4M)
(284.7M)
-306.4M
-528.5M
-43.9M
-75.8M
-46.8M
-139.8M
-41.6M
-3.6M
-100.9M
(24.9M)
-65.2M
-31M
-124.5M
-75.6M
-129.5M
-69.1M
(9.9M)
FINANCING ACTIVITIES
-26M
-7.2M
-5.8M
-5.3M
-31M
-6.8M
-7.8M
-8.8M
-2.3M
-9.2M
-11M
-1.8M
0.0
0.0
0.0
-467K
0.0
-4M
15K
-543K
0.0
0.0
0.0
0.0
0.0
-18M
18M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
79.1M
0.0
0.0
0.0
0.0
34.5M
-16.5M
-16.5M
-16M
-15.4M
-15.4M
-15.6M
-15.2M
-13.2M
-10.7M
-10M
-9.7M
-9.3M
-8.5M
-7.4M
-6.3M
-5.4M
-4.9M
-4.5M
-4.1M
-3.7M
-26M
-7.2M
-5.8M
-5.3M
-31M
-6.8M
-7.8M
-8.8M
-2.3M
-9.2M
-11M
-1.8M
(0.0)
(0.0)
(0.0)
-467K
(0.0)
-4M
(0.0)
-870K
192.9M
-41.9M
-128.3M
-38.5M
384.8M
503.1M
11.7M
23.3M
75.3M
39.1M
-50.4M
146.4M
38.9M
-57.6M
29.6M
166.7M
111.3M
-26.7M
29.1M
-8.9M
150.4M
-65.6M
-150.1M
-59.2M
338.4M
462.7M
6.7M
1.3M
62.3M
19.9M
-71M
135.2M
30.4M
-65M
102.4M
160.4M
106.4M
-39.1M
25M
21.4M
CASH FLOW SUMMARY
-35.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
6.8M
-22.7M
171.5M
-314M
-155.6M
466.6M
-27M
2.8M
-38.6M
13.6M
-41.2M
69.1M
84.2M
-94.9M
97M
59.6M
49.8M
-146.6M
-20.4M
46.8M
349.7M
372.5M
200.9M
514.9M
670.5M
204M
230.9M
228.1M
266.7M
253.2M
294.3M
225.3M
141.1M
236M
138.9M
79.3M
29.5M
176.1M
196.5M
149.7M
392.3M
349.7M
372.5M
200.9M
514.9M
670.5M
204M
230.9M
228.1M
266.7M
253.2M
294.3M
225.3M
141.1M
236M
138.9M
79.3M
29.5M
176.1M
196.5M
31.8M
29.6M
22.6M
45.7M
30.2M
45.8M
39.4M
43.9M
34.8M
30.5M
27.7M
28.6M
24M
32.2M
23.7M
22.6M
18M
20.8M
21.5M
12.5M

SEC Filings

CASS - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 05, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

March 30, 2026
March 29, 2026
2026
10-K

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
DEF 14A

DEF 14A 2026

N/A

March 06, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 20, 2026
2026
8-K

8-K 2025

N/A

November 10, 2025
November 06, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 04, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 21, 2025
2025
10-Q

10-Q 2025 Q2

Q2

August 05, 2025
June 30, 2025
2025
Showing 1 to 10 of 276 filings