ES
MARKETS / NASDAQ / CASS
NASDAQ · SERVICES-BUSINESS SERVICES, NEC · MID CAP

Cass Information Systems, Inc. CASS

17 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY9 YEARS OF DIVIDEND GROWTH
Revenue · FY2025
$108.0M
▼ 1.8% vs FY2024
Dividend streak
9 yrs
Raised every year since 2017
EPS · FY25
$2.61
Dividend / sh · FY25
$1.25
Payout · FY25
47%
ROE · FY25
14.9%
Net margin · FY25
32.5%
Dividend coverage
2.1×
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Result
USD 108.0M
Revenue, FY2025 · full 17-year series below
Revenue Net income
0.040.080.120.160.10.02009201220152018202120242025
0.040.080.120.160.10.02016201920222025

33 cents of every revenue dollar became profit this year.

Per share
USD 2.61
Diluted EPS, FY2025
EPS Dividend
1231.252.612009201220152018202120242025
1231.252.612016201920222025

Earnings covered the dividend 2.1 times — the rest stayed in the company.

Profitability
14.9%
Return on equity, FY2025
ROE
48121614.9%2009201220152018202120242025
48121614.9%2016201920222025
Operating margin35.9%
Net margin32.5%
Return on assets1.4%

Each USD of equity produced 15 cents of profit this year.

Returned to shareholders
USD 42.5M
returned in FY2025 · dividends + net buybacks
Dividends paidUSD 16.5M
Net buybacksUSD 26.0M
Share of profit121.0%
Consecutive raises9 years

USD 16.5M in dividends and USD 26.0M in buybacks — 121% of the year's profit, so the payout drew on cash built up earlier.

Growth
+1.8% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
−3.9%
+1.8%
−1.1%
+0.8%
Net income
+0.2%
+6.9%
+4.3%
+3.7%
EPS, diluted
+1.0%
+8.6%
+3.7%
+2.6%
Dividend / share
+3.4%
+3.0%
+5.0%
+6.6%
Returned to shareholders
+27.0%
+13.6%
+7.5%
+14.0%

Compound annual rates per period — left blank where the series crosses a loss.

Share base
0.01B
Shares outstanding, FY2025
0.010.012009201220152018202120242025
0.010.012016201920222025
Change, 5 years−10.2%
Change, 10 years—

The share count shrank 10% in five years — the same company, cut into fewer, larger slices.

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Balance sheet
USD 2.6B
total assets, end of FY2025
Total assetsUSD 2.6B
EquityUSD 243.0M
CashUSD 392.3M
DepositsUSD 1.2B

Equity funds 9% of total assets.

History
17 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
Revenue $B
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
0.1
Operating income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
0.0
0.0
0.0
EBITDA $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
·
·
·
·
·
·
·
0.0
0.0
0.0
Income tax $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
Net income $B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
EPS, diluted $
2.61
1.39
2.18
2.53
2.00
1.73
2.07
2.03
1.68
1.63
1.82
2.06
2.02
2.02
2.01
1.78
1.57
Dividend / sh $
1.25
1.21
1.17
1.13
1.09
1.08
1.05
0.89
0.72
0.68
0.77
0.81
0.74
0.64
0.55
0.48
0.48
Payout %
47
86
53
44
54
62
50
44
43
41
42
39
36
32
27
27
31
ROE %
14.9
8.4
13.8
15.4
11.3
10.0
12.8
13.3
11.6
11.7
11.3
12.3
12.9
13.9
15.2
15.0
12.4
Shares out B
0.01
0.01
0.01
0.01
0.01
0.01
·
·
·
·
·
·
·
·
·
·
·

Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.

How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity

Every figure was compared against the original statement: 0 failures and 0 presentation gaps.

What we don’t show

We’d rather say what’s missing than fill the gap with an estimate.

P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed