Cass Information Systems, Inc (CASS)

Nasdaq: CASS · Services-Business Services, NEC · St. Louis, MO · filing with the SEC since 1996

Grade5.6

◀ Past 6.5● Present 5.4▶ Future 5.3

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 6, 2026	Mar 5, 2025	Feb 28, 2024	Feb 28, 2023	Feb 28, 2022	Feb 26, 2021	Feb 28, 2020	Mar 1, 2019	Feb 28, 2018	Mar 8, 2017
Revenue	190,750	181,187^r	176,969^r	182,476	154,147	144,956	157,235	148,266	135,302	125,537
For lenders
Interest and dividend income	97,566	88,045	82,760	62,326	45,497	47,687	52,609	47,926	41,977	39,930
Interest expense on deposits and borrowings	16,326	20,258	16,266	3,482	·	·	·	·	·	·
Net interest income	81,240	67,787	66,494	58,844	44,326	45,325	47,416	44,190	39,790	37,901
Provision for credit losses	348	447	-550	1,350	-130	810	250	·	·	-1,500
Net interest income after provision	80,892	67,340	67,044	57,494	44,456	44,515	47,166	44,190	39,790	39,401
Noninterest income	109,858	113,847^r	109,925^r	124,982	109,691	100,441	110,069	104,076	95,512	86,136
Noninterest expense	151,991	157,742^r	142,505^r	139,576	120,326	114,615	119,769	111,919	100,403	93,473
Total operating expenses	151,991	157,742^r	142,505^r	139,576	·	·	·	·	·	·
Interest expense	·	20,258	16,266	3,482	1,171	2,362	5,193	3,736	2,187	2,029
Income before income taxes	38,759	23,445^r	34,464^r	42,900	33,821	30,341	37,466	36,347	34,899	32,064
Income tax expense	7,647	4,887^r	6,574^r	7,996	5,217	5,165	7,062	6,079	9,885	7,716
Income from continuing operations	31,112	18,558	27,890	·	·	·	·	·	·	·
Income from discontinued operations	4,004	610	2,169	·	·	·	·	·	·	·
Net income	35,116	19,168	30,059	34,904	28,604	25,176	30,404	30,268	25,014	24,348
Earnings per share, basic	2.66	1.42	2.22	2.58	2.03	1.75	2.11	2.06	1.70^r	1.65^r
Earnings per share, diluted	2.61	1.39	2.18	2.53	2.00	1.73	2.07	2.03	1.68^r	1.63^r
Weighted average shares, basic	13,181,884	13,501,930	13,530,005	13,552,503	14,091,773	14,364,406	14,434,445	14,675,136	14,700,558^r	14,718,228^r
Weighted average shares, diluted	13,463,299	13,777,571	13,816,016	13,808,029	14,329,876	14,566,947	14,691,925	14,914,202	14,915,890^r	14,925,106^r

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.Share counts and per-share figures are on the newest report's basis, after the change of share basis.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaidus-gaap:ProvisionForLoanLossesExpensed

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Income from continuing operations profit from the businesses it keepsus-gaap:IncomeLossFromContinuingOperations

Income from discontinued operations profit or loss from businesses it sold or closedus-gaap:IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CASS · research, not advice