CASS INFORMATION SYSTEMS INC(CASS)Stock Analysis
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Rank #1,223 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CASS Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CASS INFORMATION SYSTEMS INC (CASS), a Industrials sector company. 13F Pro's AI-powered ranking engine scores CASS at 54.3/100 on a 32-signal composite quality model, placing it at rank #1,223 of 2,879 stocks — the top half of the AI-ranked universe. CASS scores in the top quartile across profitability (92.8), free cash flow (89.1), institutional flow (84.5). Areas of concern include revenue growth (17.7) and revenue scale (18.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 39.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CASS INFORMATION SYSTEMS INC reports quarterly revenue of $49.1M, net income of $8.8M, an operating margin of 22.2%. Top institutional holders of CASS by reported 13-F value include BlackRock,, Focus Partners Wealth, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CASS trades on the Nasdaq exchange and files with the SEC under CIK 708781. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CASS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CASS INFORMATION SYSTEMS INC directly from SEC EDGAR. CASS INFORMATION SYSTEMS INC's 13F Pro composite quality score has ranged between 45 and 57 since 2021, currently 54.3 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.
Revenue
Q1 2026
$49.1M
Net Income
Q1 2026
$8.8M
Free Cash Flow
Q1 2026
$12.7M
Operating Margin
Q1 2026
22.2%
ROIC
Q1 2026
4.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
-3.0% YoYNet Income
-13.9% YoYEPS (Diluted)
-13.8% YoYTotal Assets
-3.7% YoYTotal Debt
Op. Cash Flow
-28.4% YoY| Metric | FY 2023 | FY 2022 | FY 2020 | FY 2019 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|
| Revenue | $177.0M -3.0% | $182.5M +25.9% | $145.0M -7.8% | $157.2M +25.2% | $125.5M +3.9% | $120.8M |
| Net Income | $30.1M -13.9% | $34.9M +38.6% | $25.2M -17.2% | $30.4M +24.9% | $24.3M +5.6% | $23.1M |
| EPS (Diluted) | $2.18 -13.8% | $2.53 +46.2% | $1.73 -16.4% | $2.07 +27.0% | $1.63 -10.4% | $1.82 |
| Total Assets | $2.48B -3.7% | $2.57B +16.8% | $2.20B +24.9% | $1.76B +17.2% | $1.50B +3.4% | $1.46B |
| Total Debt | — | — | — | $18.0M | — | — |
| Operating Cash Flow | $36.9M -28.4% | $51.6M +8.0% | $47.8M +13.4% | $42.1M +19.7% | $35.2M +5.1% | $33.5M |
AI Insight: CASS Ratio Trends
CASS operating margin surged from 7.4% in Q3 2024 to 22.2% in Q1 2026, driving ROE expansion from 5.0% to 14.6%.
• Operating margin improved dramatically from 7.4% in Q3 2024 to 22.2% in Q1 2026.
• ROE strengthened from 5.0% in Q3 2024 to 14.6% in Q1 2026.
• ROIC expanded from 6.3% in Q3 2024 to 18.0% in Q1 2026.
• Net profit margin fluctuated between 5.8% and 20.0% but stabilized around 18% recently.
⚠ ROIC dropped from 19.1% in Q3 2025 to 18.0% in Q1 2026.
⚠ Margin volatility persists with operating margin swinging between 14.1% and 23.4% across recent quarters.
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Available Research
13F Pro tracks comprehensive data for CASS INFORMATION SYSTEMS INC including:
Top Institutional Holders of CASS
BlackRock, Inc.
$39.8M903,283 shFocus Partners Wealth
$30.2M686,008 shVANGUARD CAPITAL MANAGEMENT LLC
$24.2M550,455 shBROWN ADVISORY INC
$23.0M521,640 shHEARTLAND ADVISORS INC
$20.7M470,524 shDIMENSIONAL FUND ADVISORS LP
$15.3M346,676 shProShare Advisors LLC
$12.8M289,846 shGEODE CAPITAL MANAGEMENT, LLC
$12.7M288,921 shSTATE STREET CORP
$12.7M287,568 shTributary Capital Management, LLC
$11.0M248,938 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $39.8M | 903,283 |
| Focus Partners Wealth | $30.2M | 686,008 |
| VANGUARD CAPITAL MANAGEMENT LLC | $24.2M | 550,455 |
| BROWN ADVISORY INC | $23.0M | 521,640 |
| HEARTLAND ADVISORS INC | $20.7M | 470,524 |
| DIMENSIONAL FUND ADVISORS LP | $15.3M | 346,676 |
| ProShare Advisors LLC | $12.8M | 289,846 |
| GEODE CAPITAL MANAGEMENT, LLC | $12.7M | 288,921 |
| STATE STREET CORP | $12.7M | 287,568 |
| Tributary Capital Management, LLC | $11.0M | 248,938 |
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Popular Research
Is CASS a good stock to buy?
13F Pro's AI-powered analysis of CASS INFORMATION SYSTEMS INC (CASS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CASS are available on the CASS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CASS?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CASS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CASS INFORMATION SYSTEMS INC's investment landscape.