CASS FINANCIAL STATEMENTS

Cass Information Systems Inc — balance sheet, income statement and cash flow trends

CASSCass Information Systems Inc

🇺🇸 USA · NASDAQ · Industrials · Specialty Business Services

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue201.2 M $-3.1%

Gross Profit185.6 M $+5.4%

Operating Income38.8 M $+49.3%

EBITDA48.5 M $+50.5%

Net Income35 M $+66.7%

Peer Comparison· Specialty Business Services

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CASS	-3.1%	92.2%	24.1%	17.4%
REL	1.7%	63.7%	38.4%	21.5%
RTO	-5.7%	83.1%	18.9%	3.7%
ISKPL	2.7%	30.5%	24.7%	9.2%
PRZMA	66.8%	8.2%	-8.7%	-3.6%
ITRK	1.1%	17.5%	22.7%	10.0%
Industry median	3.4%	36.3%	18.9%	4.6%

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CASS	-3.1%	92.2%	24.1%	17.4%
KODK	4.4%	22.4%	-2.7%	-12.6%
TRNS	19.0%	32.6%	12.2%	2.0%
BKSY	-8.9%	69.3%	-39.4%	-89.1%
QUAD	-10.4%	18.5%	6.7%	1.2%
LZ	12.9%	65.9%	9.6%	1.5%
Industry median	3.4%	36.3%	18.9%	4.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity241.8 M $10%
Current Liabilities2.3 B $90%

Key Figures

YoY change

Total Assets2.5 B $+9.3%

Total Liabilities2.3 B $+10.0%

Total Equity241.8 M $+3.2%

Cash & ST Investments244.3 M $-69.3%

Total Debt145 M $+2,779.8%

Net Debt-99.3 M $—

Peer Comparison· Specialty Business Services

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CASS	0.22	60.0%	-2.05	9.5%
REL	0.49	310.0%	1.95	16.0%
RTO	1.16	111.5%	2.93	38.1%
ISKPL	1.12	58.8%	2.61	56.5%
PRZMA	3.17	3.6%	-1.76	77.9%
ITRK	1.08	152.2%	1.69	28.8%
Industry median	1.16	58.8%	1.95	40.9%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CASS	0.22	60.0%	-2.05	9.5%
KODK	2.53	29.5%	3.48	43.2%
TRNS	2.33	42.9%	3.05	62.6%
BKSY	3.46	20.7%	2.56	21.7%
QUAD	0.94	397.6%	3.12	10.3%
LZ	0.71	10.4%	-2.24	29.9%
Industry median	1.16	58.8%	1.95	40.9%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow30.4 M $-40.0%

Capital Expenditures5 M $-43.9%

Free Cash Flow25.4 M $-39.1%

Dividends Paid-16.5 M $-199.5%

Peer Comparison· Specialty Business Services

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CASS	15.1%	12.6%	2.5%	87.0%
REL	30.0%	29.7%	0.2%	139.3%
RTO	14.2%	9.3%	2.5%	387.9%
ISKPL	7.6%	-6.9%	14.5%	82.5%
PRZMA	-47.2%	-50.8%	3.5%	1,299.5%
ITRK	15.7%	11.5%	4.2%	157.2%
Industry median	15.1%	12.6%	3.8%	162.1%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CASS	15.1%	12.6%	2.5%	87.0%
KODK	44.9%	42.3%	2.6%	-356.2%
TRNS	10.5%	5.9%	4.6%	529.3%
BKSY	-59.2%	-87.3%	28.1%	66.5%
QUAD	3.8%	1.9%	2.0%	332.8%
LZ	22.4%	18.9%	3.5%	1,532.5%
Industry median	15.1%	12.6%	3.8%	162.1%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.