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CASSNASDAQ

Cass Information Systems, Inc.

Cass Information Systems, Inc.
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Recent & upcoming events

Sep 4
Ex-dividend Time TBD
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Dec 4
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KPI highlights

FY25
Revenue $191M YoY +5.3%
Operating income —
Net income $35M YoY +83.2%
EPS $2.66 YoY +87.3%
P/E —
ROE 14.5% Equity ratio 9% Typical equity ratios vary a lot by industry. Banks, brokerages, and other financial companies tend to run lower ratios because leverage (using other people's capital) is core to their business model — a low ratio there isn't a sign of financial weakness.

Quarterly fundamentals

Income & cash flow Unit: $1M
Quarter FY24 Q3FY25 Q1FY25 Q2FY25 Q3FY26 Q1FY26 Q2
Revenue 46.546.444.450.149.149.9
Operating income ——————
Net income 2.948.978.869.118.8310.6
Operating CF —21.6——14.5—

Company news

Ownership over time

Share of total shares outstanding (disclosed major holdings + undisclosed)（2013–2026）

機関投資家 5.5%未開示 94.5%20132015201720192021202320252026
機関投資家 5.5%未開示 94.5%13Q214Q315Q417Q118Q219Q320Q422Q123Q224Q326Q1
機関投資家その他未開示・浮動株

「国内機関」は信託銀行の名義口座（年金・パッシブ・一部海外資本を含む）を集計し、実質保有者へは分解していません。分類は開示名称からの推定です。

Top shareholders — rank & share

GEODE CAPITAL MANA 2%GEODE CAPITAL MANAGEMENT, LLCTributary Capital 1.7%Tributary Capital Management, LLCGABELLI FUNDS LLC 0.5%GABELLI FUNDS LLCBank of New York M 0.5%Bank of New York Mellon CorpJAG CAPITAL MANAGE 0.2%JAG CAPITAL MANAGEMENT, LLC20132015201720192021202320252026
GEODE CAPITAL MANA 2%GEODE CAPITAL MANAGEMENT, LLCTributary Capital 1.7%Tributary Capital Management, LLCGABELLI FUNDS LLC 0.5%GABELLI FUNDS LLCBank of New York M 0.5%Bank of New York Mellon CorpJAG CAPITAL MANAGE 0.2%JAG CAPITAL MANAGEMENT, LLC13Q214Q315Q417Q118Q219Q320Q422Q123Q224Q326Q1

Top shareholders — actual figures (as of 2026)

Holder Shares held Ratio Source
GEODE CAPITAL MANAGEMENT, LLC 288,921 2.0% 13F
Tributary Capital Management, LLC 248,938 1.7% 13F
GABELLI FUNDS LLC 69,398 0.5% 13F
Bank of New York Mellon Corp 66,800 0.5% 13F
JAG CAPITAL MANAGEMENT, LLC 25,576 0.2% 13F
KLP KAPITALFORVALTNING AS 14,800 0.1% 13F
STRS OHIO 13,800 0.1% 13F
BNP PARIBAS FINANCIAL MARKETS 10,547 0.1% 13F
AMERIPRISE FINANCIAL INC 9,710 0.1% 13F
GAMCO INVESTORS, INC. ET AL 9,553 0.1% 13F
GLENMEDE TRUST CO NA 9,371 0.1% 13F
Pinnacle Wealth Management Advisory Group, LLC 8,828 0.1% 13F
MetLife Investment Management, LLC 6,003 0.0% 13F
PUBLIC EMPLOYEES RETIREMENT ASSOCIATION OF COLORADO 5,702 0.0% 13F
Police & Firemen's Retirement System of New Jersey 2,882 0.0% 13F
NEW YORK STATE TEACHERS RETIREMENT SYSTEM 1,106 0.0% 13F
HUNTINGTON NATIONAL BANK 1,000 0.0% 13F
Russell Investments Group, Ltd. 919 0.0% 13F
Covestor Ltd 880 0.0% 13F
CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM 621 0.0% 13F
PRIVATE TRUST CO NA 291 0.0% 13F
NISA INVESTMENT ADVISORS, LLC 264 0.0% 13F
その他機関投資家（13F 3社） 158 0.0% 13F
Sterling Capital Management LLC 112 0.0% 13F
LOS ANGELES CAPITAL MANAGEMENT LLC 101 0.0% 13F
Boreal Capital Management LLC 100 0.0% 13F

Source：SEC EDGAR（DEF 14A・13D/G・13F）　Classification inferred from disclosed names

F-Score (Piotroski)

5/9 2 of 9 items lack data

Checks financial health against 9 criteria and shows how many are met as a fraction (more ✓ marks is healthier). Items with no data are shown as “—” — they're simply excluded from judgment, not counted against the score.

✓ Positive ROA ROA 1.3%
✓ Positive operating cash flow $37M
✓ ROA improved YoY 0.8% → 1.3%
✓ Operating CF exceeds net income (accrual quality) OCF $37M / net income $35M
✗ Equity ratio improved* Substitute for the original “decrease in long-term debt” 9.6% → 9.3%
— Current ratio improved No data
✓ No dilution (shares outstanding did not increase) 13,504,104 → 12,917,637
— Gross margin improved No data
✗ Asset turnover improved 0.08× → 0.07×

This score is reference information based on our own financial metrics. It is NOT a credit rating issued by a credit rating agency under Article 66-27 of the Financial Instruments and Exchange Act, and is NOT investment advice or a recommendation. Make investment decisions at your own responsibility.

Fact checklist

FY25
Equity ratio 9.3%
Current ratio —
Years of positive operating CF 12 of last 12 yrs
Payout ratio —
Latest fiscal year result Profit (net income $35M)

Performance history

Last 10 years
$0M$48M$95M$143M$191M FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25

Income & assets

Unit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Revenue 126135148157145154182177181191
Operating income ——————————
Ordinary income ——————————
Net income 24.325.030.330.425.228.634.930.119.235.1
Total assets 1,5051,6031,6951,7642,2032,5552,5732,4792,3952,606
Equity 208225230244261246206230229243

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Indicators & cash flow

*Split-adjustedUnit: $1M
Item FY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
EPS $1.65$1.70$2.06$2.11$1.75$2.03$2.58$2.22$1.42$2.66
ROE 11.7%11.1%13.2%12.5%9.6%11.6%16.9%13.1%8.4%14.5%
Operating CF 35.238.948.342.147.834.551.636.938.937.4
Investing CF -41.6-140-46.8-75.8-43.9-529-3062853.95-145
Financing CF 19.962.31.286.65463338-59.2-150-65.6150
FCF ——————————

A “—” means data wasn't available for that period — it's not a display error or an unusual value.

Source: SEC EDGAR (10-K, etc.) (fetched 2026-09-20) *Some metrics supplemented from additional sources

Sector positioning

Relative standing within the sector
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Data provided by Twelve Data