Pricing Log in Create free account
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%
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 (below 1: weak)
Debt/Equity 0.00 (at or below 0.5: strong)
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% (at or above 15%: strong)
Next Y EPS Growth 21.44% (at or above 15%: strong)
Next Y revenue growth (1.27%) (below 0%: weak)
Next 5Y EPS Growth 34.07% (at or above 15%: strong)

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

Valuation vs history

EV/Sales, ten years
EV/Sales is 2.2×, against a ten-year median of 2.0×; over the ten years it ranged from −0.8× in 2020 to 5.2× in 2018.
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Cass Information Systems, Inc vs peers in Specialty Business Services (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

Cass Information Systems, Inc (CASS) Latest News

No news at this impact. Lower the threshold for more.
stockrow.com/CASS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com