Saturday 17 October 2026 Export CASS’s income statement to Excel — free account

Cass Information Systems, Inc

CASS Industrials Specialty Business Services

In the quarter to June 2026, revenue grew 12.2%, EPS grew 23.9% and free cash flow grew 625.8%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for five.

54.68 0.39 +0.72%

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Market cap: $695.3M
P/E: 19.3×
Fwd P/E: 15.8×
Dividend yield: 2.34%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 12.14%

Capital & Financial Ratios $m

Market Cap 695.25

Revenue 214.99

Net Income 36.71

Free Cash Flow 41.91

Net Debt (228.47)

Current Ratio 0.61

Debt/Equity 0.00

P/E ratio 19.25

Fwd P/E 15.80

P/S ratio 3.26

P/B ratio 2.86

Past 5Y EPS Growth 8.57%

This Y EPS Growth 21.34%

Next Y EPS Growth 21.44%

Next Y revenue growth (1.27%)

Next 5Y EPS Growth 34.07%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years

P/E against its own 10 years 27.98%

10-year low 10-year high

P/S against its own 10 years 36.49%

10-year low 10-year high

P/B against its own 10 years 63.14%

10-year low 10-year high

EV/Sales against its own 10 years 53.83%

10-year low 10-year high

EV/FCF against its own 10 years 52.83%

10-year low 10-year high

Dividends

Payout Ratio 0.46

Annual Dividend Rate 1.28

Annual Dividend Yield 2.34%

	total	individual payouts
2027	Powerpack
2026	1.29	0.32 0.32 0.32
2025	1.25	0.31 0.31 0.31 0.32
2024	1.21	0.30 0.30 0.30 0.31
2023	1.17	0.29 0.29 0.29 0.30
2022	1.13	0.28 0.28 0.28 0.29
2021	1.09	0.27 0.27 0.27 0.28
2020	1.08	0.27 0.27 0.27 0.27
2019	1.05	0.26 0.26 0.26 0.27
2018	0.85	0.20 0.22 0.22 0.22
2017	0.70	0.17 0.17 0.17 0.18
2016	0.67	0.17 0.17 0.17 0.17

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	372	350	392	228
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,484	1,474	1,509	1,362

	2023	2024	2025	Q'26
Payables	2,212	2,098	2,325	2,145
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,212	2,098	2,325	2,225

Compound Annual Growth %

	10y	5y	3y
Sales	5.44%	6.97%	3.46%
Cash Flow	1.12%	(4.76%)	(10.15%)
Earnings	4.30%	6.88%	0.20%
Book Value	1.60%	(1.43%)	5.60%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	53	55	—	—	—
’25	51	49	54	53	207
’24	50	50	52	50	202
’23	52	52	54	35	193
’22	43	45	49	52	187
’21	37	38	39	41	155
’20	39	35	36	38	148

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	15	17	—	—	—
’25	22	(1)	12	5	37
’24	10	11	0	19	39
’23	9	8	12	8	37
’22	15	16	10	11	52
’21	17	5	9	4	35
’20	18	14	7	8	48

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	13	14	—	—	—
’25	19	(3)	11	4	32
’24	6	8	(2)	15	27
’23	7	3	9	5	25
’22	13	11	9	9	41
’21	16	4	8	2	30
’20	18	13	7	7	46

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.67	0.81	—	—	—
’25	0.66	0.66	0.68	0.62	2.61
’24	0.52	0.32	0.21	0.33	1.39
’23	0.51	0.52	0.54	0.61	2.18
’22	0.60	0.62	0.64	0.67	2.53
’21	0.49	0.48	0.48	0.55	2.00
’20	0.52	0.37	0.40	0.44	1.73

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	34.13	44.36	45.31	44.35	28.85	37.95	31.85	35.05	37.99	36.07	Analyst estimates 2026–2028 Powerpack
	High	56.69	56.57	62.08	60.97	58.03	48.55	46.02	51.48	50.25	47.00
People
People	Employees	1,075	1,116	1,143	1,122	1,101	1,116	1,209	1,316	1,248	1,016
	Revenue/emp, $m	0.12	0.12	0.13	0.14	0.13	0.14	0.15	0.15	0.16	0.20
Income, $m
Income, $m	Revenue	126	137	152	163	148	155	187	193	202	207
	Gross margin, %	98.39	98.41	97.54	96.81	98.41	99.25	98.14	91.56	89.97	92.13
	EBT	32	35	36	37	30	34	43	34	23	39
	EBT margin, %	25.43	25.38	23.91	23.03	20.48	21.79	22.90	17.89	11.61	18.69
	Net income	24	25	30	30	25	29	35	30	19	35
	Depreciation	9	11	11	11	11	13	11	9	9	8
Per share, $
Per share, $	Revenue	8.57	9.35	10.36	11.27	10.31	11.01	13.82	14.24	14.95	15.74
	Earnings	1.65	1.70	2.06	2.11	1.75	2.03	2.58	2.22	1.42	2.66
	Cash flow	2.39	2.65	3.29	2.92	3.33	2.45	3.81	2.73	2.88	2.84
	Capex	(0.32)	(0.28)	(0.30)	(0.19)	(0.14)	(0.31)	(0.79)	(0.88)	(0.85)	(0.43)
	Free cash flow	2.07	2.36	2.99	2.73	3.19	2.14	3.02	1.85	2.04	2.41
	Book value	14.13	15.31	15.66	16.92	18.18	17.44	15.22	16.99	16.96	18.43
	Shares, m	15	15	15	14	14	14	14	14	14	13
Valuation, ×
Valuation, ×	P/E	33.39	28.58	25.75	27.50	22.23	19.47	17.55	20.45	28.81	15.61
	P/S	6.47	5.22	5.11	5.12	3.77	3.57	3.28	3.19	2.74	2.64
	P/B	3.92	3.19	3.38	3.41	2.14	2.25	2.97	2.67	2.41	2.25
	EV/Sales	4.35	3.56	3.59	3.87	(0.75)	0.25	2.20	1.25	1.00	0.75
	EV/FCF	17.98	14.08	12.42	15.98	(2.44)	1.30	10.08	9.67	7.37	4.88
Cash, $m
Cash, $m	Operating cash flow	35	39	48	42	48	35	52	37	39	37
	Capex	(5)	(4)	(4)	(3)	(2)	(4)	(11)	(12)	(11)	(6)
	Free cash flow	31	35	44	39	46	30	41	25	27	32
Balance, $m
Balance, $m	Working capital	(343)	(490)	(474)	(493)	(336)	(803)	(959)	(728)	(623)	(816)
	Total debt	—	—	—	25	6	5	9	—	—	—
	Net debt	(267)	(228)	(231)	(204)	(671)	(515)	(201)	(372)	(350)	(392)
	Shareholders’ equity	208	225	230	244	261	246	206	230	229	243
Returns, %
Returns, %	ROA	1.64	1.58	1.81	1.76	1.27	1.20	1.36	1.19	0.79	1.40
	ROIC	0.00	0.00	0.00	58.20	0.00	0.00	498.10	0.00	0.00	0.00
	ROE	11.72	11.55	13.31	12.83	9.96	11.28	15.44	13.78	8.36	14.88

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
LZ LegalZoom.com, Inc.	$1.1B	62.9×	21.0×	+6.64% (above 0%: growing)	n/m	+6.58% (above 0%: growing)	68.16%	5.19%	Compare
BV BrightView Holdings, Inc.	$975.1M	— (loss-making)	36.5×	+1.31% (above 0%: growing)	n/m	+69.17% (above 0%: growing)	21.17%	4.50%	Compare
RHLD Resolute Holdings Management, Inc.	$921.6M	20.6×	—	+295.65% (above 0%: growing)	n/m	+64.98% (above 0%: growing)	34.87%	7.44%	Compare
KODK Eastman Kodak Company	$878.2M	— (loss-making)	19.1×	+18.25% (above 0%: growing)	n/m	+100.00% (above 0%: growing)	26.37%	4.82%	Compare
BUUU BUUU Group Limited	$819.7M	—	—	—	—	+124.80% (above 0%: growing)	—	—	Compare
TRNS Transcat, Inc.	$773.2M	217×	195×	+21.62% (above 0%: growing)	−60.00% (below 0%: shrinking)	+595.90% (above 0%: growing)	33.07%	4.00%	Compare
BKSY BlackSky Technology Inc.	$755.1M	— (loss-making)	— (loss-making)	+50.08% (above 0%: growing)	n/m	+36.34% (above 0%: growing)	79.00%	(23.41%)	Compare
CASS Cass Information Systems, Inc	$695.3M	19.3×	15.8×	+12.24% (above 0%: growing)	+23.88% (above 0%: growing)	+625.84% (above 0%: growing)	92.56%	0.00%
QUAD Quad Graphics, Inc	$488.7M	14.5×	8.1×	+0.98% (above 0%: growing)	n/m	+3.54% (above 0%: growing)	21.02%	2.58%	Compare
Median of peers	$848.9M	41.8×	21.0×	+18.25%	—	+67.08%	33.07%	4.50%

All 44 Specialty Business Services stocks →

Cass Information Systems, Inc (CASS) key facts

Strength: Net income was $35.1 million, or $2.66 per share (basic), a net margin of 16.9%.
Cass Information Systems, Inc (CASS) is a Specialty Business Services company in the Industrials sector, listed on Nasdaq.
As of October 16, 2026, CASS traded at $54.68, a market capitalization of $695.3 million.
At that price the stock trades at 19.3× trailing-twelve-month earnings and 3.3× sales; its P/E is higher than 28% of its own readings over the past ten years.
Cass Information Systems, Inc pays an annual dividend of $1.28 per share, a yield of 2.34%, with a payout ratio of 46.0%.
Return on equity was 14.9% and debt-to-equity 0.00.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.