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Cass Information Systems Inc key statistics and ratios

In fiscal 2025, Cass Information Systems Inc had return on equity of 14.9% and a net margin of 18.4%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin18.3%21.1%21.6%20.9%20.5%20.5%19.1%19.4%18.5%20.4%19.3%17.4%18.6%19.1%17.0%10.6%18.4%18.5%
Return on equity12.4%15.0%15.2%13.9%12.9%12.3%11.3%11.7%11.6%13.3%12.8%10.0%11.3%15.4%13.8%8.4%14.9%15.1%
Return on assets—1.7%1.8%1.8%1.8%1.7%1.6%1.6%1.6%1.8%1.8%1.3%1.2%1.4%1.2%0.8%1.4%1.4%
Effective tax rate25.1%27.3%27.0%25.3%23.5%24.4%25.7%24.1%28.3%16.7%18.8%17.0%15.4%18.6%19.1%20.8%19.7%19.6%
Dividends ÷ net income30.5%26.8%27.3%31.6%36.2%38.9%42.1%41.0%42.7%43.5%50.1%62.0%54.0%44.2%53.1%85.9%47.0%44.8%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Financial health

0 of 0 checks passed · June 30, 2026
  • Short-term assets cover short-term liabilities The company doesn't report a short-term split. Not assessable.
  • Short-term assets cover long-term liabilities Not assessable from the reported split. Not assessable.
  • More cash than debt Cash or debt not separately reported. Not assessable.
  • Debt below 40% of shareholders' equity Equity or debt not reported. Not assessable.
  • Debt burden no higher than five years ago Five-year comparison not available. Not assessable.
  • A year's operating cash flow covers at least 20% of debt Cash flow or debt not reported. Not assessable.
  • Operating profit covers interest at least five times over Interest not separately reported. Not assessable.

From Cass Information Systems Inc's latest balance sheet as filed. Checks are fixed, documented rules (methodology), counted only where the company reports the figures — a dot means the filing doesn't break the item out. Descriptions of reported data, not advice.

Moat

54 /100

Moderate moat

How hard Cass Information Systems's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 1.4% of total assets over 10 years.

  • Durability 15 / 20

    Net margin has been a median 18.3%; its worst year was 13.9%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 10 of 10 years, at a median 23.1% of revenue.

  • Discipline 20 / 20

    The diluted share count fell 9.1% over five years; stock-based pay has been a median 1.9% of revenue.

AI disruption exposure: High. In this industry, the core product is information work that AI systems increasingly perform. The score above includes a 15-point deduction for that exposure (69 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

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Figures from Cass Information Systems Inc's SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Cass Information Systems Inc.