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Cass Information Systems, Inc. (CASS)
Industrials · Specialty Business Services · NasdaqGS
Cass Information Systems, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $125.54M | $135.30M | $148.27M | $157.24M | $144.96M | $154.15M | $175.95M | $167.95M | $172.87M | $181.57M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $24.35M | $25.01M | $30.27M | $30.40M | $25.18M | $28.60M | $34.90M | $30.06M | $19.17M | $35.12M |
| Net margin | 19.4% | 18.5% | 20.4% | 19.3% | 17.4% | 18.6% | 19.8% | 17.9% | 11.1% | 19.3% |
Source: Cass Information Systems, Inc. SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into CASS stock?
At today's market cap of $624.51M, Cass Information Systems, Inc. is priced for free-cash-flow growth of about 7.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.77M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -7%/yr over the last five fiscal years and revenue 4.6%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of Cass Information Systems, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Cass Information Systems, Inc. financial history by metric
About Cass Information Systems, Inc.
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-based 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 a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri.
Cass Information Systems, Inc. — frequently asked questions
What is Cass Information Systems, Inc.'s revenue?
Cass Information Systems, Inc. (CASS) reported revenue of $181.57M for fiscal year 2025, up 5.0% from the prior year, according to its SEC filings.
Is Cass Information Systems, Inc. profitable?
Yes. CASS earned net income of $35.12M in fiscal 2025, a net margin of 19.3%.
What is CASS's P/E ratio?
Cass Information Systems, Inc. trades at a price-to-earnings ratio of about 20.7 based on the latest data in our nightly-refreshed cache.
How fast is Cass Information Systems, Inc. growing?
CASS's revenue grew at roughly 4.6% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Cass Information Systems, Inc. have?
As of fiscal year 2025, CASS carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Cass Information Systems, Inc.'s market cap?
Cass Information Systems, Inc. (CASS) has a market capitalization of about $624.51M, based on the latest data in our nightly-refreshed cache.
When does Cass Information Systems, Inc.'s fiscal year end?
CASS's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CASS stock?
At today's market cap of $624.51M, Cass Information Systems, Inc. is priced for free-cash-flow growth of about 7.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $31.77M from the FY ending 2025-12-31). For comparison, free cash flow actually grew -7%/yr over the last five fiscal years and revenue 4.6%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Cass Information Systems, Inc.'s official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.