Cass Information Systems Inc (CASS) Financial Statements
Industry: Business Services (Other) (Services)
In fiscal 2025, Cass Information Systems reported revenue of $191.1M, down 4.3% from $199.6M the year before. Net income was $35.1M (a 18.4% net margin), or $2.61 per diluted share. Net interest income was $81.2M, and the efficiency ratio (noninterest expense / revenue) was 79.5%. Operating activities generated $37.4M of cash, leaving $31.8M of free cash flow. At fiscal year end, Cass Information Systems held $2.61B in total assets against $2.36B in total liabilities.
Open the full interactive Cass Information Systems financials → Quarterly statements, key ratios, valuation history and price charts.
Cass Information Systems Key Stats
| Share Price | $53.71 |
|---|---|
| Market Cap | $701.9M |
| P/E Ratio | 20.6 |
| Revenue YoY Growth | -4.3% |
| 52-Week Range | $35.80 – $58.21 |
| Shares Outstanding | 12.8 million (basic, 2026 Q2) |
Cass Information Systems Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $45.3M | $44.3M | $58.8M | $66.5M | $67.8M | $81.2M |
| Provision for Credit Losses | $645,000 | -$130,000 | $1.4M | -$550,000 | $447,000 | $348,000 |
| Noninterest Income | $100.4M | $109.7M | $125.0M | $130.5M | $131.8M | $109.9M |
| Noninterest Expense | $114.6M | $120.3M | $139.6M | $160.2M | $175.0M | $152.0M |
| Revenue | $145.8M | $154.0M | $183.8M | $197.0M | $199.6M | $191.1M |
| Pre-Tax Income | $30.3M | $33.8M | $42.9M | $37.4M | $24.2M | $38.8M |
| Income Tax | $5.2M | $5.2M | $8.0M | $7.3M | $5.1M | $7.6M |
| Net Income | $25.2M | $28.6M | $34.9M | $30.1M | $19.2M | $35.1M |
| Diluted EPS | $1.73 | $2.00 | $2.53 | $2.18 | $1.39 | $2.61 |
Cass Information Systems Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $49.9M | $49.5M | $49.2M | $50.5M |
| Net Income | $9.1M | $8.2M | $8.8M | $10.6M |
| Diluted EPS | $0.68 | $0.61 | $0.67 | $0.81 |
Cass Information Systems Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $670.5M | — | — | — | — | — |
| Loans (Net) | $879.7M | $948.5M | $1.07B | $1.00B | $1.07B | $1.05B |
| Total Assets | $2.20B | $2.55B | $2.57B | $2.48B | $2.40B | $2.61B |
| Deposits | $1.05B | $1.22B | $1.26B | $1.14B | $967.9M | $1.20B |
| Total Liabilities | $1.94B | $2.31B | $2.37B | $2.25B | $2.17B | $2.36B |
| Shareholders' Equity | $261.2M | $245.8M | $206.3M | $229.8M | $229.0M | $243.0M |
Cass Information Systems Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $47.8M | $34.5M | $51.6M | $36.9M | $38.9M | $37.4M |
| Cash From Investing | -$43.9M | -$528.5M | -$306.4M | $284.7M | $4.0M | -$145.3M |
| Cash From Financing | $462.7M | $338.4M | -$59.2M | -$150.1M | -$65.6M | $150.4M |
| Free Cash Flow | $45.8M | $30.2M | $45.7M | $22.6M | $29.6M | $31.8M |
Figures from Cass Information Systems' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Cass Information Systems financials page for every line item.
Cass Information Systems Company Profile
| Ticker | CASS |
|---|---|
| Exchange | Nasdaq |
| Industry | Business Services (Other) (Services) |
| Headquarters | St. Louis, Missouri |
| Incorporated in | Missouri |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000708781 |
Frequently Asked Questions
What was Cass Information Systems' revenue in fiscal 2025?
Cass Information Systems (CASS) reported revenue of $191.1M for fiscal 2025.
What is Cass Information Systems' annual revenue history?
Cass Information Systems' annual revenue by fiscal year: 2020: $145.8M; 2021: $154.0M; 2022: $183.8M; 2023: $197.0M; 2024: $199.6M; 2025: $191.1M.
What was Cass Information Systems' net income in fiscal 2025?
Cass Information Systems reported net income of $35.1M for fiscal 2025.
What was Cass Information Systems' earnings per share (EPS) in fiscal 2025?
Cass Information Systems' diluted EPS was $2.61 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Cass Information Systems generate in fiscal 2025?
Cass Information Systems generated $31.8M of free cash flow in fiscal 2025.
What was Cass Information Systems' revenue last quarter?
In its most recent reported quarter (2026 Q2), Cass Information Systems reported revenue of $50.5M.
How many shares of Cass Information Systems are outstanding?
Cass Information Systems reported a weighted average of 12.8 million basic shares outstanding in 2026 Q2.
What is Cass Information Systems' market cap?
Based on its latest closing price, Cass Information Systems (CASS) has a market capitalization of about $701.9M.
When does Cass Information Systems' fiscal year end?
Cass Information Systems' fiscal year end, as registered with the SEC, is December 31.
Where is Cass Information Systems headquartered?
Cass Information Systems lists its business address in St. Louis, Missouri in its SEC filings.