Cass Information Systems, Inc (CASS)

From the record

Cass Information Systems, Inc's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Cass Information Systems, Inc's 10 filed years say what it did: revenue went from $126 million in fiscal 2016 to $191 million in fiscal 2025, up 4.8% a year; it rose in 7 of 9 years; the deepest fall was 8% from fiscal 2019 to fiscal 2020; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Cass Information Systems, Inc's diluted share count shrank about 0.8% a year, and dividends and buybacks returned about 78% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 1 purchase of their own stock on the open market in the year to 2026-09-30, buying about $19 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Cass Information Systems, Inc earned about 14 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count shrank 2.3% over the year (the filed statements).

From the record

Cass Information Systems, Inc's standing among 101 graded names in its industry family: revenue of $191 million in fiscal 2025 ranks in the bottom 24% by size; a net margin of 18.4% ranks in the top 13%; revenue growth of 1.5% a year over the last 3 filed years ranks in the bottom 30% (its annual reports).

From the record

Cass Information Systems, Inc's leadership, from its insiders' filings and its current reports: the chief executive on the record is Resch, Martin H. (President & CEO, as filed), filing under that title since 2023-04-24, 3.6 years (bottom 43% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 8.5 years (top 14%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 19%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Cass Information Systems, Inc's room to grow, from the newest filed statements (fiscal 2025): cash of $392 million against no long-term debt tagged leaves 15.1% of its assets as net cash, top 30% of its family; cash from operations less capital spending is 16.7% of revenue (top 32%) (its annual report).

From the record

Cass Information Systems, Inc's growth drivers, from the filed years to fiscal 2025: revenue grew 1.5% a year over the last three filed years against 4.8% over all 10, slowing (bottom 49% of its family); the newest year grew 5.3% (bottom 44%); capital spending grew -1.2% a year (bottom 32%) (its annual reports). Cass Information Systems, Inc reported 2 lines of business in fiscal 2025: Information Services at $155 million, Banking Services at $38 million. 2 of 2 grew in the latest filed year, and the largest line is 80% of revenue (its annual report).

From the record

Cass Information Systems, Inc's newest year against its own record: revenue of $191 million in fiscal 2025 came in 5.7% above the $181 million its prior three years' pace pointed to (top 30% of its family); net income of $35 million against a prior three-year average of $28 million (bottom 35%); a net margin of 18.4% against 15.6% before (bottom 47%) (its annual reports).