$46.47
-1.6%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.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Moderate working capital outflow. Typical for growing businesses, but ensure it's supporting revenue growth, not inefficiency.
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 โข NASDAQ
| Cass Information Systems, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 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 |
CASS - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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