Cass Information Systems, Inc.

Cass Information Systems, Inc.

CASSยทNASDAQ

$45.71

-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$588.34M
EPS2.6600
P/E Ratio17.18
Earnings Date07/16/2026
3Y+2.0%
5Y+29.0%
10Y+58.0%
3Y+1.0%
5Y+39.0%
10Y+44.0%
3Y-27.0%
5Y-22.0%
10Y+6.0%
Cass Information Systems, Inc.

Cass Information Systems, Inc. Profit Bridge

CASS ยท NASDAQ
Revenue191.10M
Cost of Goods Sold (0.00)
Gross Profit191.10M
Operating Expenses (152.34M)
Operating Income38.76M
Interest Expense (0.00)
Other Income/Expense0.00
Pretax Income38.76M
Income Tax (7.65M)
Net Income35.12M
Net Income
35.12M

Profitability Analysis

Gross Margin

100.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

20.3%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

18.4%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

19.7%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

Cass Information Systems, Inc. Income Statement

CASS โ€ข NASDAQ

Cass Information Systems, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
191.1M
219.9M
213.2M
187.3M
155.2M
148.1M
157.2M
148.3M
135.3M
120.7M
120.8M
117.2M
114.8M
111.5M
106.5M
96.2M
23.8B
93.9M
89.6M
83.3M
GROSS PROFIT
(0.0)
(32.2M)
(26.1M)
(12.9M)
(11.5M)
(88.9M)
(28.7M)
(26M)
(23.1M)
(20.9M)
(89.8M)
(85.4M)
(84.1M)
(80.3M)
(75M)
(68.3M)
(66.4M)
(0.0)
(0.0)
(0.0)
191.1M
187.7M
187.1M
174.4M
143.7M
59.3M
128.5M
122.2M
112.2M
99.8M
31M
31.8M
30.7M
31.2M
31.5M
27.9M
23.8B
93.9M
89.6M
83.3M
OPERATING INCOME
(152.3M)
(163.4M)
(149.7M)
(131.5M)
(109.9M)
(5.9M)
-119.8M
-103.3M
(100.4M)
(93.5M)
(89.8M)
(85.4M)
(84.1M)
(80.3M)
(75M)
(68.3M)
(66.4M)
-64.4M
-55.7M
-53.2M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(5.9M)
(97.5M)
(92.2M)
(82.7M)
(78.1M)
(75.6M)
(71.2M)
(70.8M)
(67.7M)
(56.6M)
(51.4M)
(50.6M)
(49.7M)
(47M)
(42.7M)
38.8M
24.2M
37.5M
42.9M
33.8M
53.3M
37.5M
40.1M
-81.5M
-74.4M
-140.9M
-131.1M
-126.6M
-114.7M
-99.8M
-87.5M
-89M
29.5M
33.9M
30.1M
PRE-TAX INCOME
(0.0)
(1K)
(116K)
(0.0)
(0.0)
(2.4M)
(5.2M)
(3.7M)
(2.2M)
(2M)
(2.1M)
(2.5M)
(2.8M)
(3.1M)
(4.4M)
(4.9M)
(5.1M)
(3.4M)
(8M)
(6.6M)
81.2M
88M
82.6M
62.3M
45.5M
45.3M
47.4M
44.2M
39.8M
37.9M
36.6M
37.3M
38.7M
42.8M
45.9M
44.2M
38.7M
40.8M
41.4M
40.4M
(152.3M)
(163.4M)
(149.7M)
(131.5M)
(109.9M)
(0.0)
-210.9M
-196.4M
(100.4M)
(93.5M)
(89.8M)
(85.4M)
(84.1M)
(80.3M)
(75M)
(68.3M)
(66.4M)
-114.1M
-102.6M
-95.9M
0.0
-1K
-116K
0.0
0.0
-23M
133.3M
126.4M
-19.2M
-17.3M
1.4M
-16.6M
-16.3M
-3.1M
131.3M
115.5M
110.5M
0.0
0.0
0.0
38.8M
24.2M
37.4M
42.9M
33.8M
30.3M
37.5M
36.3M
34.9M
32.1M
31M
31.8M
30.7M
31.2M
31.5M
27.9M
21.5M
26.2M
25.9M
23.8M
NET INCOME
(7.6M)
(5.1M)
(7.3M)
(8M)
(5.2M)
(5.2M)
(7.1M)
(6.1M)
(9.9M)
(7.7M)
(8M)
(7.8M)
(7.2M)
(7.9M)
(8.5M)
(7.6M)
(5.4M)
(7.2M)
(8.1M)
(8.4M)
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
15.1M

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
DEF 14A

DEF 14A 2026

N/A

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

10-K 2025 FY

FY

March 06, 2026
December 31, 2025
2025
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