Cass Information Systems Inc

CASSIndustrials·Specialty Business Services·USA·Small·NASD·Nov 11 • 2:40 PM ET

55.65+0.10 (0.18%)

2026-11-11 20:42 CET

Market cap

710.79 USD m

Revenue, TTM

217.28 USD m

Net income, TTM

38.08 USD m

Free cash flow, TTM

33.29 USD m

EPS diluted, TTM

2.90

P/E

19.16

Compare

Price

CASS against its 20, 50 and 200-day averages

2050200beat

6.7% under the 52-week high of 59.63 on 19 Aug 2026. 52-week low 39.83 on 20 Nov 2025. Last 15 sessions, 10.2% high to low

Profile

CASS

52-week range, 80% of the way up

39.8359.63

Cass Information Systems, Inc. engages in the provision of integrated information and payment management solutions. It operates through the following segments: Information Services, Banking Services, and Corporate, Eliminations, and Other. The Information Services segment offers transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. The Banking Services segment focuses on the provision of banking services primarily to privately held businesses and faith-based ministries. The company was founded in 1906 and is headquartered in St. Louis, MO.

Index	RUT
Employees	860
IPO	Jul 02, 1996
Beta	0.42
ATR, 14d	1.36
Rel volume	0.18
Short float	3.51%
Insider own	12.16%
Inst own	61.31%

Snapshot

6 groups

Valuation

Index	RUT
Market Cap	712.07M
Enterprise Value	460.36M
Income	38.08M
Sales	217.28M
Book/sh	17.65
Cash/sh	20.00
Dividend Est.	1.31 (2.35%)
Dividend TTM	1.28 (2.30%)
Dividend Ex-Date	Dec 04, 2026
Dividend Gr. 3/5Y	3.42% 2.97%
Payout	53.31%
Employees	860
IPO	Jul 02, 1996

Ratios

P/E	19.16
Forward P/E	15.46
PEG	0.96
P/S	3.28
P/B	3.15
P/C	2.78
P/FCF	21.39
EV/EBITDA	8.65
EV/Sales	2.12
Quick Ratio	0.23
Current Ratio	0.23
Debt/Eq	0.02
LT Debt/Eq	0.01
Option/Short	Yes / Yes

Earnings

EPS (ttm)	2.90
EPS next Y	3.60
EPS next Q	0.80
EPS this Y	20.53%
EPS next Y	21.42%
EPS next 5Y	16.10%
EPS past 3/5Y	-2.48% 6.29%
Sales past 3/5Y	3.46% 6.97%
EPS Y/Y TTM	24.97%
Sales Y/Y TTM	3.91%
EPS Q/Q	19.31%
Sales Q/Q	4.25%
Earnings	Oct 22 BMO
EPS/Sales Surpr.	1.25% 0.77%

Ownership

Insider Own	12.16%
Insider Trans	0.00%
Inst Own	61.31%
Inst Trans	-4.36%
ROA	1.52%
ROE	16.22%
ROIC	16.60%
Gross Margin	89.45%
Oper. Margin	21.71%
Profit Margin	17.52%
SMA20	1.77%
SMA50	1.91%
SMA200	10.52%
Trades	-

Technical

Shs Outstand	12.81M
Shs Float	11.24M
Short Float	3.51%
Short Ratio	5.03
Short Interest	0.39M
52W High	59.63 -6.67%
52W Low	39.83 39.74%
Volatility	2.56% 2.55%
ATR (14)	1.36
RSI (14)	56.46
Beta	0.42
Rel Volume	0.18
Avg Volume	78.37K
Volume	11,456

Performance

Perf Week	1.13%
Perf Month	3.61%
Perf Quarter	-4.94%
Perf Half Y	21.75%
Perf YTD	34.03%
Perf Year	33.29%
Perf 3Y	41.42%
Perf 5Y	22.17%
Perf 10Y	16.69%
Recom	3.00
Target Price	61.00
Prev Close	55.55
Price	55.65
Change %	0.18%

Analyst ratings

latest 5 of 5

Date	Action	Analyst	Rating change	Target	Implied
Oct 23, 2026	Downgrade	RRaymond James	Outperform → Mkt Perform
Jun 12, 2026	Resumed	PPiper Sandler	Neutral	$52	-6.6%
Jul 15, 2025	Initiated	RRaymond James	Outperform	$50	-10.2%
Feb 12, 2024	Upgrade	PPiper Sandler	Neutral → Overweight	$45 → $51	-8.4%
Dec 06, 2022	Initiated	PPiper Sandler	Neutral

Date

Action

Analyst

Rating change

Target

Implied

Oct 23, 2026

Downgrade

RRaymond James

Outperform → Mkt Perform

Jun 12, 2026

Resumed

PPiper Sandler

Neutral

$52

-6.6%

Jul 15, 2025

Initiated

RRaymond James

Outperform

$50

-10.2%

Feb 12, 2024

Upgrade

PPiper Sandler

Neutral → Overweight

$45 → $51

-8.4%

Dec 06, 2022

Initiated

PPiper Sandler

Neutral

Peers

Mkt cap

Ticker	Company	Mkt cap
BILL	BILL Holdings Inc	4.67B
FA	First Advantage Corp	3.73B
PAY	Paymentus Holdings Inc	4.27B
CPAY	Corpay Inc	29.43B
WEX	WEX Inc	5.99B
CNDT	Conduent Inc	218.73M
RPAY	Repay Holdings Corp	369.05M
DSGX	Descartes Systems Group Inc	8.18B
EXLS	ExlService Holdings Inc	6.61B
USB	U.S. Bancorp	94.61B

Ticker

Company

Mkt cap

BILL

BILL Holdings Inc

4.67B

First Advantage Corp

3.73B

PAY

Paymentus Holdings Inc

4.27B

CPAY

Corpay Inc

29.43B

WEX

WEX Inc

5.99B

CNDT

Conduent Inc

218.73M

RPAY

Repay Holdings Corp

369.05M

DSGX

Descartes Systems Group Inc

8.18B

EXLS

ExlService Holdings Inc

6.61B

USB

U.S. Bancorp

94.61B

Held by

AUM

Ticker	Company	AUM
VTI	Vanguard Morningstar Total Stock Market ETF	AUM: 687.42B
IWM	iShares Russell 2000 Index Fund	AUM: 77.38B
TDV	ProShares S&P Technology Dividend Aristocrats ETF	AUM: 273.76M
VXF	Vanguard Extended Market Index ETF	AUM: 30.47B
DFAS	U.S. Small Cap Portfolio-ETF Class Shares	AUM: 15.51B
IWO	iShares Russell 2000 Growth ETF	AUM: 14.06B
AVUV	Avantis U.S. Small Cap Value ETF	AUM: 32.39B
VTWO	Vanguard Russell 2000 Index ETF	AUM: 16.75B
DFAC	U.S. Core Equity 2 Portfolio-ETF Class Shares	AUM: 49.14B
VIG	Vanguard Dividend Appreciation FTF	AUM: 117.07B

Ticker

Company

AUM

VTI

Vanguard Morningstar Total Stock Market ETF

AUM: 687.42B

IWM

iShares Russell 2000 Index Fund

AUM: 77.38B

TDV

ProShares S&P Technology Dividend Aristocrats ETF

AUM: 273.76M

VXF

Vanguard Extended Market Index ETF

AUM: 30.47B

DFAS

U.S. Small Cap Portfolio-ETF Class Shares

AUM: 15.51B

IWO

iShares Russell 2000 Growth ETF

AUM: 14.06B

AVUV

Avantis U.S. Small Cap Value ETF

AUM: 32.39B

VTWO

Vanguard Russell 2000 Index ETF

AUM: 16.75B

DFAC

U.S. Core Equity 2 Portfolio-ETF Class Shares

AUM: 49.14B

VIG

Vanguard Dividend Appreciation FTF

AUM: 117.07B

News

latest 14 of 200

Oct-22-26 01:59PMCass Q3 Earnings Soar: 19% EPS Growth & Freight Market Boom (FreightWaves) +5.05%
08:12AMCass: Q3 Earnings Snapshot (Associated Press)
08:00AMCass Information Systems reports Third Quarter 2026 Results (GlobeNewswire)
Oct-13-26 11:03AMCass: TL linehaul rates up 10% in September, shipment counts remain positive (FreightWaves)
Sep-17-26 07:13AMAt shippers confab, defining a fragile trucking market (FreightWaves)
Sep-15-26 08:00AMCass Information Systems Named a Hot Company by PARCEL (GlobeNewswire)
Sep-14-26 01:17PMCass: TL rates jump 11% in August, freight shipments turn positive (FreightWaves)
Aug-17-26 09:32AMTruckload linehaul rates rip higher in July, Cass says (FreightWaves)
Jul-23-26 08:13AMCass: Q2 Earnings Snapshot (Associated Press)
08:00AMCass Information Systems reports Second Quarter 2026 Results (GlobeNewswire)
Jul-17-26 09:52AMCass: TL linehaul rates advance in June, volume inflection delayed (FreightWaves)
Jun-15-26 12:28PMCass sees freight volume recovery in second half of year (FreightWaves)
May-14-26 02:52PMTL linehaul rates surge in April, Cass says (FreightWaves)
Apr-23-26 08:11AMCass: Q1 Earnings Snapshot (Associated Press)

Key figures

Revenue, TTM	217.28
Net income, TTM	38.08
EPS diluted, TTM	2.90
EBIT, TTM	47.16
Free cash flow, TTM	33.29
Gross margin	89.45%
Operating margin	21.71%
Net margin	17.52%
Market cap	710.79
P/E	19.16
Sales Y/Y, TTM	3.91%

USD millions. TTM from the statement feed.

Quarterly earnings

actual against estimate

Period	Reported	EPS act	EPS est	EPS rep	Sales act	Sales est	Analysts
2026Q3	2026-10-22	0.810	0.800	0.810	52.70	52.29	2
2026Q2	2026-07-23	0.710	0.720	0.809	49.94	51.02	2
2026Q1	2026-04-23	0.660	0.630	0.665	49.10	49.60	1
2025Q4	2026-01-22	0.680	0.640	0.620	49.89	49.60	1
2025Q3	2025-10-23	0.690	0.630	0.680	50.06	49.40	1
2025Q2	2025-07-17	0.380	0.720	0.655	44.40	51.00	1
2025Q1	2025-04-17	0.630	0.600	0.657	46.41	51.49	1
2024Q4	2025-01-23	0.330	0.440	0.335	50.37	49.48	1
2024Q3	2024-10-17	0.210	0.500	0.213	50.55	49.00	1
2024Q2	2024-07-18	0.320	0.530	0.324	48.59	50.00	1
2024Q1	2024-04-18	0.520	0.590	0.519	49.68	50.79	1
2023Q4	2024-01-25	0.610	0.480	0.611	50.74	48.33	1
2023Q3	2023-10-19	0.540	0.550	0.536	49.22	48.08	1
2023Q2	2023-07-20	0.520	0.670	0.515	48.21	49.67	1
2023Q1	2023-04-17	0.510	0.700	0.513	49.35	50.98	1
2022Q4	2023-01-19	0.670	0.710	0.672	48.95	49.49	1

Annual earnings

Period	EPS act	EPS est	EPS rep	Sales act	Sales est
2010FY	1.346	1.347	1.346	96.22	100.34
2011FY	1.522	1.749	1.522	106.54	110
2022FY	2.530	2.570	2.528	182.48	183.86
2023FY	2.180	2.140	2.176	197.51	194.97
2024FY	1.390	1.500	1.420	199.19	198.66
2025FY	2.460	2.210	2.310	190.75	191
2026FY	-	2.965	-	-	205.1
2027FY	-	3.600	-	-	222.31
2028FY	-	3.850	-	-	232.6

Estimate revisions

last 14 periods

Period	Type	Date	Estimates	Up	Down	Mean	Low	High
2026Q4	S	2026-10-22	2	1	0	53.14	53.10	53.19
2026Q4	S	2026-08-04	2	0	0	52.84	52.50	53.19
2026Q4	S	2026-07-23	2	0	0	52.81	52.50	53.12
2026Q4	S	2026-06-30	2	0	0	53.06	53.00	53.12
2026Q4	S	2026-06-11	2	0	0	52.91	52.70	53.12
2026Q4	S	2026-04-23	1	0	0	52.70	52.70	52.70
2026Q4	S	2026-04-02	1	0	0	52.60	52.60	52.60
2026Q4	S	2026-01-22	1	0	0	52.20	52.20	52.20
2026Q4	S	2025-12-17	1	0	0	52.30	52.30	52.30
2026Q4	S	2025-11-11	1	0	1	52.30	52.30	52.30
2026Q4	S	2025-11-10	1	0	1	52.30	52.30	52.30
2026Q4	S	2025-11-09	1	0	1	52.30	52.30	52.30
2026Q4	S	2025-11-08	1	0	1	52.30	52.30	52.30
2026Q4	S	2025-11-07	1	0	1	52.30	52.30	52.30

Estimate history

Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
EPS, annual	1.675	2.03	2.069	1.728	1.996	2.528	2.176	1.42	2.345	2.9045
EPS, quarterly	0.213	0.335	0.657	0.655	0.68	0.62	0.665	0.809	0.811
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Sales, annual	137.489	152.002	162.678	148.128	155.188	187.308	213.227	201.892	207.424	217.28
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	TTM
Sales, quarterly	55.566	55.076	51.428	48.587	54.014	53.395	53.05	54.532	56.308
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26
Shares, annual	14.744	14.611	14.514	14.393	13.734	13.67	13.582	13.504	12.918	12.806
Period	2017	2018	2019	2020	2021	2022	2023	2024	2025	MRQ
Shares, quarterly	13.582	13.504	13.424	13.28	13.12	12.918	12.87	12.806	12.806
Period	Q3 '24	Q4 '24	Q1 '25	Q2 '25	Q3 '25	Q4 '25	Q1 '26	Q2 '26	Q3 '26

Income statement, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Total Revenue	217.28	207.42	201.89	213.23	187.31	155.19	148.13	162.68	152.00
Total Expenses	170.12	168.66	178.45	175.75	144.41	121.37	117.78	125.21	115.66
Operating Income	47.16	38.77	23.45	37.47	42.90	33.82	30.34	37.47	36.35
Unusual Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-
Net Income Before Taxes	46.96	38.76	23.45	37.36	42.90	33.82	30.34	37.47	36.35
Income Taxes	8.89	7.65	4.89	7.30	8.00	5.22	5.17	7.06	6.08
Consolidated Net Income	38.07	31.11	18.56	30.06	34.90	28.60	25.18	30.40	30.27
Net Income From Continuing Operations	38.07	31.11	18.56	30.06	34.90	28.60	25.18	30.40	30.27
Net Income	38.08	31.57	19.17	30.06	34.90	28.60	25.18	30.40	30.27
EPS (Recurring)	2.92	2.34	1.42	2.18	2.53	2.00	1.73	2.07	2.03
EPS (Basic, Before Extraordinaries)	2.97	2.39	1.42	2.22	2.58	2.03	1.75	2.11	2.06
EPS (Diluted)	2.90	2.34	1.42	2.18	2.53	2.00	1.73	2.07	2.03
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	3.63	3.31	2.41	3.27	5.32	2.09	1.65	2.30	2.37
Price To Earnings Ratio	19.13	19.13	24.53	20.14	19.06	19.70	22.46	27.95	26.19
Price To Sales Ratio	3.20	2.69	2.74	2.92	3.38	3.63	3.83	5.21	5.19
Gross Margin	89.45	88.66	87.13	90.10	95.63	95.91	90.80	93.86	94.65
Operating Margin	21.71	18.69	11.61	17.57	22.90	21.79	20.48	23.03	23.91
Net Margin	17.52	15.22	9.49	14.10	18.63	18.43	17.00	18.69	19.91
Shares Outstanding	12.81	12.92	13.50	13.58	13.67	13.73	14.39	14.51	14.61
Market Capitalization	710.79	710.79	555.12	612.52	625.97	550.88	561.16	837.11	780.41

Income statement, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4
Total Revenue	56.31	54.53	53.05	53.40	54.01	48.59	51.43	55.08
Total Expenses	43.39	41.22	42.11	43.41	42.40	42.31	40.55	49.31
Operating Income	12.92	13.32	10.94	9.99	11.62	6.28	10.88	5.76
Unusual Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income Before Taxes	12.92	13.17	10.88	9.99	11.62	6.28	10.88	5.76
Income Taxes	2.35	2.60	2.14	1.80	2.40	1.12	2.33	1.17
Consolidated Net Income	10.57	10.57	8.74	8.19	9.21	5.16	8.55	4.59
Net Income From Continuing Operations	10.57	10.57	8.74	8.19	9.21	5.16	8.55	4.59
Net Income	10.57	10.57	8.74	8.19	9.11	8.86	8.97	4.59
EPS (Recurring)	0.81	0.81	0.66	0.62	0.68	0.66	0.66	0.33
EPS (Basic, Before Extraordinaries)	0.83	0.83	0.68	0.63	0.69	0.67	0.67	0.34
EPS (Diluted)	0.81	0.81	0.66	0.62	0.68	0.66	0.66	0.33
Non-Operating Income (Expense)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other After Tax Adjustments	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Stock Option Compensation Expense	0.80	0.89	1.14	0.80	0.80	0.73	0.98	0.45
Price To Earnings Ratio	19.13	19.59	16.85	17.85	21.14	28.41	31.09	24.53
Price To Sales Ratio	3.20	3.12	2.77	2.65	2.52	2.79	2.73	2.55
Gross Margin	89.62	89.43	89.52	89.24	89.10	87.48	88.70	88.39
Operating Margin	22.94	24.42	20.63	18.71	21.50	12.92	21.15	10.47
Net Margin	18.78	19.39	16.47	15.34	16.86	18.23	17.43	8.34
Shares Outstanding	12.81	12.81	12.87	12.92	13.12	13.28	13.42	13.50
Market Capitalization	710.79	660.54	568.22	543.26	519.79	580.49	582.35	555.12

Balance sheet, annual

Currency USD, millions
Metric	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY	2017FY
Cash & Short Term Investments	392.27	349.73	372.47	200.94	514.93	670.53	203.95	230.93	228.11
Short Term Receivables	69.42	55.91	110.65	95.78	4.99	0.00	0.00	0.00	0.00
Investment Securities	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Securities In Custody	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	1,818.39	1,596.62	1,628.35	1,823.84	1,621.98	1,237.46	1,184.75	1,152.90	1,163.48
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Property, Plant & Equipment	33.85	30.58	38.19	29.16	18.11	23.64	26.38	22.03	21.59
Other Intangible Assets	292.09	362.26	328.96	423.31	394.89	271.61	349.17	289.32	190.04
Total Assets	2,606.02	2,395.08	2,478.62	2,573.02	2,554.90	2,203.24	1,764.24	1,695.18	1,603.21
Total Customer Deposits	1,200.03	967.92	1,140.81	1,257.22	1,221.50	1,050.86	757.14	721.93	678.09
Total Debt	4.51	7.43	8.48	9.50	0.00	6.18	24.68	0.00	0.00
Long Term Debt	3.68	6.08	7.15	8.15	0.00	4.42	4.93	0.00	0.00
Provision for Risks Charges	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	1,158.48	1,190.71	1,099.52	1,099.98	1,087.60	885.03	738.24	743.40	700.03
Total Liabilities	2,363.03	2,166.05	2,248.81	2,366.70	2,309.10	1,942.08	1,520.05	1,465.33	1,378.12
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	243.00	229.03	229.81	206.32	245.80	261.16	244.19	229.85	225.09
Total Shareholders Equity	243.00	229.03	229.81	206.32	245.80	261.16	244.19	229.85	225.09
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	243.00	229.03	229.81	206.32	245.80	261.16	244.19	229.85	225.09
Total Liabilities & Stockholders Equity	2,606.02	2,395.08	2,478.62	2,573.02	2,554.90	2,203.24	1,764.24	1,695.18	1,603.21
Book Value Per Share	18.81	16.96	16.92	15.09	17.90	18.15	16.82	15.73	15.27
Tangible Book Value Per Share	17.27	15.39	15.40	13.53	16.67	16.92	15.55	14.76	14.28
Full-Time Employees	860	1,248	1,316	1,209	1,116	1,101	1,122	1,143	1,116
Price to Book Ratio	3.15	2.34	2.97	3.26	2.20	2.14	3.43	3.36	3.19
Return on Assets	1.24	0.76	1.19	1.36	1.20	1.27	1.76	1.84	1.61
Return on Equity	13.18	8.09	13.78	15.44	11.28	9.96	12.83	13.31	11.55
Return on Invested Capital	12.80	8.15	12.69	16.27	11.64	9.48	12.20	13.17	11.11
Quick Ratio	0.35	0.31	0.35	0.19	0.49	0.80	0.29	0.33	0.34
Current Ratio	0.35	0.31	0.35	0.19	0.49	0.80	0.29	0.33	0.34

Cash flow, annual

Currency USD, millions
Metric	TTM	2025FY	2024FY	2023FY	2022FY	2021FY	2020FY	2019FY	2018FY
Funds from Operations	47.43	44.11	32.46	42.98	52.78	43.08	37.57	45.97	41.03
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	-6.77	-6.68	6.49	-6.04	-1.18	-8.54	10.21	-3.84	7.30
Income Taxes Payable	9.32	4.26	-0.19	-1.48	0.72	0.21	1.24	-1.84	3.75
Cash from Operating Activities	40.66	37.44	38.95	36.94	51.61	34.55	47.78	42.13	48.34
Capital Expenditures	-7.38	-5.66	-8.51	-14.32	-5.87	-4.37	-2.00	-2.72	-4.40
Net Assets From Acquisitions	0.00	0.00	-2.95	0.00	-4.81	0.00	0.00	-2.83	-
Sale of Fixed Assets and Businesses	0.00	18.00	0.00	0.00	0.00	0.00	0.00	0.00	-
Purchase or Sale of Investments	-120.54	-222.31	93.57	135.48	-167.04	-333.50	65.69	26.15	14.61
Purchase of Investments	-250.03	-435.24	-119.74	-15.33	-232.08	-494.23	-20.04	0.00	-82.02
Sale Or Maturity of Investments	129.49	212.93	213.32	150.82	65.05	160.72	85.73	26.15	96.64
Other Uses	-93.19	-0.10	-10.49	0.00	-6.35	-121.98	0.00	-45.38	-21.67
Other Sources	23.53	44.02	0.00	94.91	0.00	0.00	11.60	0.00	0.00
Cash from Investing Activities	-174.47	-145.28	3.95	284.66	-306.39	-528.52	-43.90	-75.76	-46.80
Cash Dividends Paid	-16.46	-16.51	-16.46	-15.96	-15.44	-15.45	-15.60	-15.23	-13.18
Change in Capital Stock	-14.26	-25.99	-7.25	-5.77	-5.30	-31.00	-6.83	-7.80	-8.84
Repurchase of Common Pref Stock	-14.26	-25.99	-7.25	-5.77	-5.30	-31.00	-6.83	-7.80	-8.84
Sale of Common Pref Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Proceedsfrom Stock Options	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Issuance or Reduction of Debt, Net	0.00	0.00	0.00	0.00	0.00	0.00	-18.00	18.00	0.00
Change in Long Term Debt	-	-	-	-	-	-	-	0.00	-
Reduction of Long Term Debt	-	-	-	-	-	-	-	0.00	-
Net Financing Active Other Cash Flow	68.34	-39.24	130.97	-11.94	-74.18	214.17	209.40	-23.52	-20.54
Other Financing Activities Uses	-20.01	-39.24	-1.68	-15.71	-91.38	-0.85	-1.10	-23.52	-20.54
Cash from Financing Activities	131.04	150.38	-65.64	-150.07	-59.20	338.37	462.69	6.65	1.28
Net Change in Cash	-2.76	42.54	-22.74	171.53	-313.99	-155.60	466.57	-26.98	2.82
Free Cash Flow	33.29	31.77	30.44	22.61	45.74	30.18	45.78	39.40	43.94
Preferred Dividends (Cash Flow)	-	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Free Cash Flow	41.26	36.62	39.53	93.55	20.88	38.25	18.78	35.10	25.66

Balance sheet, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Cash & Short Term Investments	255.87	228.47	244.34	392.27	258.63	218.16
Short Term Receivables	5.00	44.69	4.95	69.42	49.80	60.28
Investments	1,853.58	1,825.45	1,860.21	1,818.39	1,791.65	1,702.25
Investment in Unconsolidated Affiliates	0.00	0.00	0.00	0.00	0.00	0.00
Net Property, Plant & Equipment	33.79	33.85	34.10	33.85	34.79	35.40
Other Intangible Assets	407.72	383.75	390.18	292.09	318.75	299.93
Total Assets	2,555.96	2,516.21	2,533.79	2,606.02	2,453.62	2,316.02
Total Customer Deposits	1,152.37	1,116.57	1,105.68	1,200.03	1,034.66	1,003.79
Total Debt	4.16	84.15	149.33	4.51	4.69	4.86
Long Term Debt	3.30	3.34	3.51	3.68	3.85	4.02
Provision for Risks Charges	0.00	0.00	0.00	0.00	0.00	0.00
Other Liabilities	1,173.40	1,070.83	1,036.99	1,158.48	1,170.83	1,066.54
Total Liabilities	2,329.92	2,271.55	2,292.00	2,363.03	2,210.17	2,075.20
Preferred Stock - Carrying Value	0.00	0.00	0.00	0.00	0.00	0.00
Common Equity	226.04	244.66	241.79	243.00	243.45	240.82
Total Shareholders Equity	226.04	244.66	241.79	243.00	243.45	240.82
Accumulated Minority Interest	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity	226.04	244.66	241.79	243.00	243.45	240.82
Total Liabilities & Stockholders Equity	2,555.96	2,516.21	2,533.79	2,606.02	2,453.62	2,316.02
Book Value Per Share	17.65	19.11	18.79	18.81	18.56	18.13
Tangible Book Value Per Share	16.17	17.60	17.27	17.27	17.02	16.59
Full-Time Employees	-	-	-	860	-	-
Price to Book Ratio	3.15	2.73	2.34	2.24	2.17	2.49
Return on Assets	1.52	1.52	1.29	1.24	1.17	0.92
Return on Equity	16.22	15.13	13.15	13.18	11.44	9.03
Return on Invested Capital	4.61	4.26	3.56	3.32	3.68	3.62
Quick Ratio	0.23	0.21	0.21	0.35	0.23	0.21
Current Ratio	0.23	0.21	0.21	0.35	0.23	0.21

Cash flow, quarterly

Currency USD, millions
Metric	2026Q3	2026Q2	2026Q1	2025Q4	2025Q3	2025Q2
Funds from Operations	13.07	13.73	11.88	8.74	11.86	9.93
Extraordinary Item	0.00	0.00	0.00	0.00	0.00	0.00
Changes in Working Capital	-8.75	3.20	2.67	-3.89	0.45	-11.22
Income Taxes Payable	1.50	4.03	1.72	2.07	2.12	-2.31
Cash from Operating Activities	4.33	16.94	14.55	4.85	12.31	-1.29
Capital Expenditures	-1.67	-3.10	-1.90	-0.72	-1.03	-1.34
Net Assets From Acquisitions	0.00	0.00	0.00	0.00	0.00	0.00
Sale of Fixed Assets and Businesses	0.00	0.00	0.00	0.00	0.00	18.00
Purchase or Sale of Investments	-99.71	47.63	-19.35	-49.12	-113.15	-18.33
Purchase of Investments	-127.32	0.00	-42.29	-80.42	-201.60	-72.67
Sale Or Maturity of Investments	27.61	47.63	22.95	31.30	88.46	54.34
Other Uses	-8.09	11.01	-96.11	0.00	0.00	-0.04
Other Sources	0.00	0.00	0.00	23.53	-10.44	-2.27
Cash from Investing Activities	-71.66	41.24	-144.87	0.82	-95.96	20.89
Cash Dividends Paid	-4.10	-4.10	-4.13	-4.13	-4.07	-4.13
Preferred Dividends (Cash Flow)	0.00	0.00	0.00	0.00	0.00	0.00
Change in Capital Stock	0.00	-3.08	-2.92	-8.26	-6.73	-5.92
Repurchase of Common Pref Stock	0.00	-3.08	-2.92	-8.26	-6.73	-5.92
Sale of Common Pref Stock	0.00	0.00	0.00	0.00	0.00	0.00
Proceedsfrom Stock Options	0.00	0.00	0.00	0.00	0.00	0.00
Issuance or Reduction of Debt, Net	-80.00	-65.00	145.00	0.00	0.00	0.00
Net Financing Active Other Cash Flow	160.52	-15.15	-40.18	-36.85	111.26	-12.22
Other Financing Activities Uses	72.10	-12.76	-61.21	-18.14	97.19	-15.78
Cash from Financing Activities	94.73	-74.05	-17.61	127.97	124.11	-22.11
Net Change in Cash	27.40	-15.87	-147.93	133.63	40.47	-2.51
Free Cash Flow	2.66	13.84	12.65	4.13	11.28	-2.63
Price to Free Cash Flow	41.26	26.33	64.52	35.96	18.68	40.29

Revenue breakdown

United States	2024: 181.19M 2025: 190.75M
Banking Services	2024: 28.27M 2025: 37.80M
Consolidation, Policy	2024: 4.36M 2025: -1.57M
Information Services	2024: 148.56M 2025: 154.52M

Short interest

shares short against float, oldest to newest

Settlement	Of float	Shares short	Float	Avg volume
2026-10-30	3.51%	0.4M	11.2M	79.69K
2026-10-15	3.71%	0.4M	11.3M	79.12K
2026-09-30	3.46%	0.4M	11.3M	81.03K
2026-09-15	3.87%	0.4M	11.3M	82.33K
2026-08-31	3.60%	0.4M	11.3M	85.81K
2026-08-14	3.01%	0.3M	11.3M	82.77K
2026-07-31	2.83%	0.3M	11.3M	82.45K
2026-07-15	2.75%	0.3M	11.3M	84.01K
2026-06-30	2.70%	0.3M	11.3M	86.72K
2026-06-15	2.94%	0.3M	11.3M	80.87K
2026-05-29	2.90%	0.3M	11.3M	75.90K
2026-05-15	2.23%	0.3M	11.3M	76.46K
2026-04-30	2.11%	0.2M	11.3M	77.10K
2026-04-15	2.45%	0.3M	11.4M	76.21K
2026-03-31	2.62%	0.3M	11.4M	74.32K
2026-03-13	2.21%	0.3M	11.4M	77.20K
2026-02-27	1.90%	0.2M	11.4M	80.39K
2026-02-13	2.08%	0.2M	11.5M	87.14K
2026-01-30	1.83%	0.2M	11.5M	93.14K
2026-01-15	1.91%	0.2M	11.5M	97.04K

Option chain

expiry 2026-11-20

Type	Strike	Bid	Ask	Last	IV	Open int	Volume	Delta	Theta	Vega
call	30.00	23.10	28.00	0.00	4.238	0.00	0.00	0.979	-0.049	0.004
call	35.00	18.10	23.00	0.00	3.423	0.00	0.00	0.974	-0.047	0.005
call	40.00	13.10	18.00	0.00	2.710	0.00	0.00	0.966	-0.045	0.007
call	45.00	8.10	13.00	0.00	2.061	0.00	0.00	0.752	-0.465	0.027
call	50.00	3.50	7.40	0.00	1.226	0.00	0.00	0.682	-0.397	0.031
call	55.00	0.00	5.00	0.00	1.375	0.00	0.00	0.562	-0.281	0.034
call	60.00	0.05	0.10	0.10	0.335	536	47.00	0.138	-0.047	0.019
call	65.00	0.00	5.00	0.20	0.595	1.00	0.00	0.048	-0.029	0.009
call	70.00	0.00	5.00	0.00	0.807	0.00	0.00	0.037	-0.032	0.007
call	75.00	0.00	5.00	0.00	0.995	0.00	0.00	0.031	-0.034	0.006
call	80.00	0.00	5.00	0.00	1.159	0.00	0.00	0.028	-0.036	0.006
put	30.00	0.00	5.00	0.00	2.093	0.00	0.00	-0.020	-0.049	0.004
put	35.00	0.00	5.00	0.00	1.613	0.00	0.00	-0.026	-0.047	0.005
put	40.00	0.00	0.15	0.00	1.208	0.00	0.00	-0.034	-0.044	0.007
put	45.00	0.00	5.00	0.00	3.004	0.00	0.00	-0.249	-0.460	0.027
put	50.00	0.00	5.00	0.00	2.262	0.00	0.00	-0.319	-0.389	0.031
put	55.00	0.00	5.00	0.00	1.533	0.00	0.00	-0.437	-0.278	0.034
put	60.00	2.50	7.00	0.00	1.231	0.00	0.00	-0.868	-0.042	0.018
put	65.00	7.30	11.50	0.00	1.482	0.00	0.00	-0.951	-0.025	0.009
put	70.00	12.00	16.50	0.00	1.816	0.00	0.00	-0.962	-0.028	0.007
put	75.00	17.00	21.50	0.00	2.105	0.00	0.00	-0.968	-0.029	0.006
put	80.00	22.00	26.50	0.00	2.360	0.00	0.00	-0.972	-0.031	0.005

Latest SEC filings

Filed	Form	Description	Period	Link
2026-11-04	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-09-30	SEC
2026-10-22	8-K	Current report	2026-10-20	SEC
2026-10-08	8-K	Current report	2026-10-07	SEC
2026-09-11	4	Statement of changes in beneficial ownership of securities	2026-09-10	SEC
2026-09-11	4	Statement of changes in beneficial ownership of securities	2026-09-10	SEC
2026-09-11	4	Statement of changes in beneficial ownership of securities	2026-09-10	SEC
2026-08-05	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-06-30	SEC
2026-07-23	8-K	Current report	2026-07-21	SEC
2026-06-29	11-K	Annual reports of employee stock purchase, savings and similar plans pursuant to Section 15(d)	2025-12-31	SEC
2026-06-12	4	Statement of changes in beneficial ownership of securities	2026-06-11	SEC
2026-06-12	4	Statement of changes in beneficial ownership of securities	2026-06-11	SEC
2026-06-12	4	Statement of changes in beneficial ownership of securities	2026-06-11	SEC
2026-05-05	10-Q	Quarterly report pursuant to Section 13 or 15(d)	2026-03-31	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-27	4	Statement of changes in beneficial ownership of securities	2026-04-23	SEC
2026-04-23	4	Statement of changes in beneficial ownership of securities	2026-04-21	SEC
2026-04-23	4	Statement of changes in beneficial ownership of securities	2026-04-21	SEC
2026-04-23	4	Statement of changes in beneficial ownership of securities	2026-04-21	SEC
2026-04-23	8-K	Current report	2026-04-21	SEC
2026-04-22	4	Statement of changes in beneficial ownership of securities	2026-04-20	SEC
2026-04-22	3	Initial statement of beneficial ownership of securities	2026-04-21	SEC
2026-04-21	4	Statement of changes in beneficial ownership of securities	2026-04-17	SEC
2026-03-30	3	Initial statement of beneficial ownership of securities	2026-03-29	SEC

Insider activity by month

Month	Bought	Buys	Sold	Sells
2026-11	0	0	0	0
2026-10	0	0	0	0
2026-09	0	0	0	0
2026-08	0	0	0	0
2026-07	0	0	0	0
2026-06	0	0	0	0
2026-05	0	0	0	0
2026-04	0	0	0	0
2026-03	0	0	0	0
2026-02	0	0	0	0
2026-01	0	0	0	0
2025-12	0	0	0	0
2025-11	0	0	0	0

Institutional holders

Manager	% owned
BlackRock, Inc.	7.78%
VANGUARD CAPITAL MANAGEMENT LLC	4.18%
BROWN ADVISORY INC	4.10%
HEARTLAND ADVISORS INC	3.91%
SPEECE THORSON CAPITAL GROUP INC	2.70%
DIMENSIONAL FUND ADVISORS LP	2.64%
GEODE CAPITAL MANAGEMENT, LLC	2.31%
STATE STREET CORP	2.25%
Tributary Capital Management, LLC	1.81%
VANGUARD PORTFOLIO MANAGEMENT LLC	1.41%

Funds

Fund	% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND	3.05%
Heartland Value Fund	2.93%
iShares Russell 2000 ETF	2.73%
Brown Advisory Small-Cap Fundamental Value Fund	2.12%
TRIBUTARY SMALL COMPANY FUND	1.11%
ProShares Russell 2000 Dividend Growers ETF	1.11%
VANGUARD EXTENDED MARKET INDEX FUND	1.03%
ProShares S&P Technology Dividend Aristocrats ETF	1.03%
Fidelity Small Cap Index Fund	0.99%
iShares Russell 2000 Growth ETF	0.78%

Dividends

per share

Ex date	Ordinary	Special
2026-09-04	0.3200	0.0000
2026-06-05	0.3200	0.0000
2026-03-03	0.3200	0.0000
2025-12-05	0.3200	0.0000
2025-09-05	0.3100	0.0000
2025-06-03	0.3100	0.0000
2025-03-04	0.3100	0.0000
2024-12-03	0.3100	0.0000
2024-09-03	0.3000	0.0000
2024-06-04	0.3000	0.0000
2024-03-04	0.3000	0.0000
2023-12-04	0.3000	0.0000
2023-09-01	0.2900	0.0000
2023-06-02	0.2900	0.0000
2023-03-02	0.2900	0.0000
2022-12-02	0.2900	0.0000
2022-09-01	0.2800	0.0000
2022-06-02	0.2800	0.0000
2022-03-03	0.2800	0.0000
2021-12-02	0.2800	0.0000
2021-09-02	0.2700	0.0000
2021-06-03	0.2700	0.0000
2021-03-04	0.2700	0.0000
2020-12-03	0.2700	0.0000
2020-09-03	0.2700	0.0000
2020-06-04	0.2700	0.0000
2020-03-02	0.2700	0.0000
2019-12-02	0.2700	0.0000
2019-08-30	0.2600	0.0000
2019-06-03	0.2600	0.0000
2019-03-04	0.2600	0.0000
2018-12-03	0.1810	0.0000
2018-08-31	0.2170	0.0000
2018-06-04	0.2170	0.0000
2018-03-02	0.2000	0.0000
2017-12-04	0.1820	0.0000
2017-08-31	0.1740	0.0000
2017-05-31	0.1740	0.0000
2017-03-01	0.1740	0.0000
2016-12-01	0.1740	0.0000

Period	Amount	Yield	Payout	Kind
2015FY	0.6400	1.65%	42.50%	paid
2016FY	0.6700	1.21%	41.39%	paid
2017FY	0.7000	1.45%	42.06%	paid
2018FY	0.8500	1.61%	41.88%	paid
2019FY	1.0500	1.82%	50.74%	paid
2020FY	1.0800	2.78%	62.49%	paid
2021FY	1.0900	2.77%	54.61%	paid
2022FY	1.1300	2.47%	44.70%	paid
2023FY	1.1700	2.60%	53.78%	paid
2024FY	1.2100	2.96%	85.24%	paid
2025FY	1.2500	3.01%	53.31%	paid
2026FY	1.3100	2.27%	-%	estimate
2027FY	1.3700	2.38%	-%	estimate
2028FY	1.4500	2.51%	-%	estimate

OakChart. CASS. Cached 15 minutes.

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