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CASS INFORMATION SYSTEMS INC

CASS

$57.87 ▼ -0.28 (-0.48%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CASS INFORMATION SYSTEMS INC shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $762.8M

Dividend Yield 2.16%

Revenue Growth -4.3% ↘

Op. Margin 20.3% ↗

ROIC None

FCF / Share None

Trailing P/E 21.8x

Price / Book 3.1x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$191.10M

↓ -4.3% —

Net Income Profit after all expenses

$35.12M

↑ +83.2% —

Operating Margin Operating profit as % of sales

20.3%

↑ +67.2% 75th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.25 Latest / share

+3.3% YoY

+4.0% 12-yr CAGR

$0.81

FY 2014

$0.77

FY 2015

$0.81

FY 2016

$0.72

FY 2017

$0.89

FY 2018

$1.05

FY 2019

$1.08

FY 2020

$1.09

FY 2021

$1.13

FY 2022

$1.17

FY 2023

$1.21

FY 2024

$1.25

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-4.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-186%)	1.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-73%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+43%)	19.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+287%)	5.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	-7.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-249%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+24%)	9.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+92%)	9.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	3.4% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	2.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-53%)	1.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	1.2% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-76%)	4.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	8.3% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+67%)	11.5% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+130%)	—	—
EPS Growth YoY (%)	87.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	27.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.0% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-17.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.4% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	21.2% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-14.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.6% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-11.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	2.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	1.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	12.8% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	12.5% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	83.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-36.2% Weak ↓ Weak Declining Year-over-year change in net income	-13.9% Weak ↓ Weak Declining Year-over-year change in net income	22.0% Good ↑ Good Improving Year-over-year change in net income	13.6% Fair ↑ Fair Improving Year-over-year change in net income	-17.2% Weak ↓ Weak Declining Year-over-year change in net income	0.4% Caution ↓ Caution Declining Year-over-year change in net income	21.0% Good ↑ Good Improving Year-over-year change in net income	2.7% Caution ↑ Caution Improving Year-over-year change in net income	5.6% Fair ↑ Fair Improving Year-over-year change in net income	-4.1% Weak ↓ Weak Declining Year-over-year change in net income	2.3% Caution ↓ Caution Declining Year-over-year change in net income	0.8% Caution ↓ Caution Declining Year-over-year change in net income	1.3% Caution ↓ Caution Declining Year-over-year change in net income	13.3% Fair Fair Year-over-year change in net income	25.9% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	9.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	1.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.8% Caution Caution Compound annual revenue growth over 3 years	8.2% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.6% Fair → Fair Stable Compound annual revenue growth over 5 years	4.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.4% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	4.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.2% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.5% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.7% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.6% Caution Caution Compound annual revenue growth over 5 years	5.4% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	1.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-11.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-0.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	2.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	3.6% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-6.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	1.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.4% Caution Caution Compound annual EPS growth over 3 years	8.6% Fair Fair Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	20.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	12.1% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.0% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+58%)	23.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+94%)	22.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+83%)	20.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+73%)	—	—	—	—	—	—	—	—	—	—	23.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+99%)	—
Effective Tax Rate (%) (%)	19.7% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.4% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.0% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	25.1% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	18.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+130%)	9.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	15.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	19.0% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+137%)	18.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+132%)	17.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+116%)	19.3% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+141%)	20.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	18.5% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+131%)	19.6% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+145%)	19.2% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+140%)	20.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+156%)	20.4% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+155%)	20.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+156%)	21.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+165%)	20.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+153%)	17.9% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+124%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	14.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	13.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	16.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	11.6% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	9.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-36%)	12.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	13.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-12%)	11.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	11.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-22%)	11.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-26%)	12.0% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	12.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-18%)	13.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	14.3% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	0.07x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$14.50	$14.79	$14.56	$13.56	$10.93	$10.15	$10.91	$10.10	$9.20	$10.11	$9.60	$10.21	$10.08	$10.01	$9.60	$8.88	—	—
Basic EPS, GAAP (USD)	$2.66	$1.42	$2.22	$2.58	$2.03	$1.75	$2.11	$2.06	$1.70	$1.99	$1.85	$2.09	$2.05	$2.05	$2.03	$1.80	$1.60	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.25	$1.21	$1.17	$1.13	$1.09	$1.08	$1.05	$0.89	$0.72	$0.81	$0.77	$0.81	$0.74	$0.64	$0.55	$0.48	$0.48	—
Book Value per Share (USD)	$18.81	$16.96	$16.92	$15.09	$17.90	$18.15	$16.92	$15.66	$15.31	$16.96	$16.60	$17.46	$16.64	$15.29	$14.17	$12.58	—	—
Tangible Book Value per Share (USD)	$17.27	$15.01	$15.40	$13.53	$16.67	$16.92	$15.63	$14.70	$14.32	$15.85	$15.67	$16.21	$15.35	$13.94	$13.50	$11.92	—	—
Basic Weighted Avg Shares (shares)	13.18M	13.50M	13.53M	13.55M	14.09M	14.36M	14.43M	14.68M	14.70M	12.27M	12.49M	11.48M	11.44M	11.38M	11.33M	11.30M	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$243.00M	$229.03M	$229.81M	$206.32M	$245.80M	$261.16M	$244.19M	$229.85M	$225.09M	$208.03M	$207.38M	$200.43M	$190.43M	$174.01M	$160.55M	$142.09M	$129.57M	$106.24M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$191.10M	$199.64M	$196.96M	$183.83M	$154.02M	$145.77M	$157.49M	$148.27M	$135.30M	$124.04M	$119.97M	$117.21M	$115.32M	$113.92M	$108.69M	$100.32M	$89.97M	—
Depreciation Expense (USD)	$6.03M	$5.25M	$4.19M	$4.02M	$4.31M	$4.47M	$4.23M	$3.95M	$3.62M	$3.25M	$3.01M	$2.61M	$2.36M	$1.95M	$1.96M	$2.02M	—	—
Net Income, GAAP (USD)	$35.12M	$19.17M	$30.06M	$34.90M	$28.60M	$25.18M	$30.40M	$30.27M	$25.01M	$24.35M	$23.06M	$24.03M	$23.50M	$23.30M	$23.01M	$20.31M	$16.13M	—
Operating Cash Flow (USD)	$37.44M	$38.95M	$36.94M	$51.61M	$34.55M	$47.78M	$42.13M	$48.34M	$38.89M	$35.19M	$33.49M	—	—	$35.33M	$25.64M	$23.78M	$19.08M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	2.7%	2.3%	1.7%	2.1%	2.7%	2.6%	2.4%	2.5%	2.5%	2.5%	2.9%	3.3%	3.5%	3.7%	—	—
Efficiency Ratio (%) (%)	79.5%	87.6%	81.3%	75.9%	78.1%	78.6%	76.1%	75.5%	74.2%	75.4%	74.8%	72.9%	72.9%	70.5%	69.0%	68.1%	73.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 69 quarters

CASS INFORMATION SYSTEMS INC

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