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Cass Information Systems cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$2.7M in Q3 2026 · $33.3M over twelve months

Operating cash flow$4.3M
Capital spending−$1.7M
Free cash flow+$2.7M
Cash / net income0.4×

Analysis

In Q3 2026, Cass Information Systems generated $4.3M of operating cash flow and spent $1.7M on capital projects, leaving free cash flow of $2.7M. That is $8.6M less than in Q3 2025 ($11.3M).

Over the twelve months to Sep 30, 2026, operating cash flow was $40.7M; the largest uses were other investing ($167M), dividends ($16.5M), buybacks ($14.3M); besides operations, cash came from other financing ($162M); the cash balance fell by $2.8M.

Operating cash flow was $4.3M against net income of $10.6M — 0.4× profit, less cash than reported earnings, worth checking against working capital. The largest differences: receivables −$5.1M, depreciation & amortization +$2.0M, income taxes payable +$1.5M.

Free cash flow

Cass Information Systems: free cash flow by quarterCass Information Systems: free cash flow by quarter$18.4MQ4 2024$19.0MQ1 2025−$2.6MQ2 2025$11.3MQ3 2025$4.1MQ4 2025$12.7MQ1 2026$13.8MQ2 2026$2.7MQ3 2026
Operating cash flow less capital spending.
Cass Information Systems: operating cash flow against capital spendingCass Information Systems: operating cash flow against capital spendingOperating cash flowCapital spending$18.6M$191KQ4 2024$21.6M$2.6MQ1 2025−$1.3M$1.3MQ2 2025$12.3M$1.0MQ3 2025$4.8M$717KQ4 2025$14.5M$1.9MQ1 2026$16.9M$3.1MQ2 2026$4.3M$1.7MQ3 2026
Latest (Q3 2026): Operating cash flow $4.3M, Capital spending $1.7M.

Capital allocation, year by year

Cass Information Systems: where the cash came from (up) and went (down), by fiscal yearCass Information Systems: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $34.5MFY2021: Capital spending −$4.4MFY2021: Buybacks −$31.0MFY2021: Dividends −$15.4M$34.5MFY2021FY2022: Operating cash flow $51.6MFY2022: Capital spending −$5.9MFY2022: Buybacks −$5.3MFY2022: Dividends −$15.4M$51.6MFY2022FY2023: Operating cash flow $36.9MFY2023: Capital spending −$11.9MFY2023: Buybacks −$5.8MFY2023: Dividends −$16.0M$36.9MFY2023FY2024: Operating cash flow $38.9MFY2024: Capital spending −$8.5MFY2024: Buybacks −$7.2MFY2024: Dividends −$16.5M$38.9MFY2024FY2025: Operating cash flow $37.4MFY2025: Asset sales $18.0MFY2025: Capital spending −$5.7MFY2025: Buybacks −$26.0MFY2025: Dividends −$16.5M$55.4MFY2025
Over these 5 years operating cash flow totalled $199M; the largest uses were dividends ($79.8M) and buybacks ($75.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$489M
Debtnone
Net cash$489M

Cass Information Systems funds itself: free cash flow was $33.3M over the last twelve months, with $489M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Cass Information Systems: sources (+) and uses (−) of cash, Q3 2026Cass Information Systems: sources (+) and uses (−) of cash, Q3 2026Other financing$98.8MOther investing−$70.0MCash drawn (+) / kept (−)−$27.4MOperating cash flow$4.3MDividends−$4.1MCapital spending−$1.7M
Cass Information Systems: sources (+) and uses (−) of cash, TTM to Q3 2026Cass Information Systems: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$167MOther financing$162MOperating cash flow$40.7MDividends−$16.5MBuybacks−$14.3MCapital spending−$7.4MCash drawn (+) / kept (−)$2.8M

From profit to cash

Cass Information Systems: net income to operating cash flow, Q3 2026Cass Information Systems: net income to operating cash flow, Q3 2026Net income$10.6MDepreciation & amortization$2.0MStock-based pay$1.0MGains on investments$38KReceivables−$5.1MIncome taxes payable$1.5MOperating cash flow$4.3M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$4.3M−$1.7M—−$4.1M—−$27.4M$2.7M
Q2 2026$16.9M−$3.1M−$3.1M−$4.1M−$65.0M$15.9M$13.8M
Q1 2026$14.5M−$1.9M−$2.9M−$4.1M$145M$148M$12.7M
Q4 2025$4.8M−$717K−$8.3M−$4.1M—−$134M$4.1M
Q3 2025$12.3M−$1.0M−$6.7M−$4.1M—−$40.5M$11.3M
Q2 2025−$1.3M−$1.3M−$5.9M−$4.1M—$2.5M−$2.6M
Q1 2025$21.6M−$2.6M−$5.1M−$4.2M—$129M$19.0M
Q4 2024$18.6M−$191K−$3.5M−$4.2M—−$119M$18.4M

Cass Information Systems: income statement and cash flow

Cass Information Systems, Q3 2026: revenue $52.7M (+5% year over year), operating margin 24.5%. The chart follows the revenue to costs, profit and cash.

Cass Information Systems: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.