NASDAQ$CASS
Cass Information Systems Inc · Q4 2022 earnings
Q4 2022 earnings · · Investor relations
Briefing
Cass announced record annual and quarterly earnings.
Cass Information Systems reported a 21.8% increase in diluted earnings per share to $0.67 and a 20.6% increase in net income to $9.3 million for Q4 2022, driven by rising interest rates and strategic technology investments.
- Record quarterly net income and diluted earnings per share were achieved.
- Diluted earnings per share increased by 21.8% to $0.67.
- Net income increased by 20.6% to $9.3 million.
- Return on average equity increased to 18.96%.
Headline financials
Revenue & EPS history
Cass · Revenue · Quarterly
$48.9M
Revenue by segment
Cass · $30.6M total across 2 segments · Q4 2022
- Processing Fees$19.3M—63.0%
- Financial Fees$11.4M—37.0%
Forward guidance
Cass plans to focus on profitable growth, technological investments in core businesses, and creating shareholder value in 2023.
Tailwinds
- Focus on profitable growth.
- Positioning the company for long-term success through technological investment in our core businesses.
- Creating shareholder value.
- Significant technological investments should allow Cass to better serve clients.
- Technological investments should make Cass more efficient over the long-term.
Headwinds
- Economic and market conditions.
- Inflationary pressures.
- Risks of credit deterioration.
- Interest rate changes.
- Governmental actions.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q4 2022
-0.3%
Avg return
Earnings day
+0.4%
Avg return
5 days after
+2.8%
Avg return
30 days after
55%
36 / 66 earnings
Positive
+5.9%
Q3 2022
Best reaction
-13.8%
Q2 2024
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.6% | -2.0% | -6.0% | |
| Q4 2025 | +1.6% | +3.6% | +4.2% | |
| Q3 2025 | +0.4% | -0.6% | +5.5% | |
| Q2 2025 | -1.4% | -0.8% | -0.0% | |
| Q1 2025 | -1.2% | -0.8% | +3.5% | |
| Q4 2024 | +2.7% | +2.6% | +6.9% | |
| Q3 2024 | -6.2% | -3.9% | +3.6% | |
| Q2 2024 | -13.8% | -11.3% | -9.1% | |
| Q1 2024 | -6.9% | -3.9% | +2.1% | |
| Q4 2023 | +2.4% | +2.9% | +10.6% | |
| Q3 2023 | -1.1% | +1.7% | +12.0% | |
| Q2 2023 | +0.2% | -2.2% | +0.2% | |
| Q1 2023 | -12.3% | -13.1% | -10.2% | |
| Q4 2022 | +1.7% | +2.2% | +7.0% | |
| Q3 2022 | +5.9% | +7.9% | +16.5% | |
| Q2 2022 | +5.1% | +9.0% | +14.0% | |
| Q1 2022 | +3.2% | +4.3% | -11.0% | |
| Q4 2021 | +3.6% | +6.5% | +5.5% | |
| Q3 2021 | +0.4% | +0.1% | +7.1% | |
| Q2 2021 | -0.4% | +1.2% | +8.9% | |
| Q1 2021 | +0.2% | -1.7% | -0.9% | |
| Q4 2020 | +0.7% | +4.1% | +6.8% | |
| Q3 2020 | +3.4% | -3.7% | +1.8% | |
| Q2 2020 | -4.3% | -6.5% | -2.4% | |
| Q1 2020 | +2.4% | +13.4% | +8.1% | |
| Q4 2019 | -2.5% | -2.4% | -15.2% | |
| Q3 2019 | +2.9% | +8.9% | +6.4% | |
| Q2 2019 | +2.9% | +3.7% | -1.4% | |
| Q1 2019 | +3.4% | +1.0% | -6.3% | |
| Q4 2018 | -2.9% | +1.0% | +2.6% | |
| Q3 2018 | +4.8% | +10.8% | +14.3% | |
| Q2 2018 | -2.8% | -2.9% | +6.5% | |
| Q1 2018 | -1.5% | -1.0% | +2.2% | |
| Q4 2017 | -2.5% | -4.5% | +4.3% | |
| Q3 2017 | +1.1% | -0.2% | +1.5% | |
| Q2 2017 | -1.2% | -3.8% | -9.1% | |
| Q1 2017 | -1.3% | -2.2% | -8.0% | |
| Q4 2016 | +0.5% | -3.2% | -0.3% | |
| Q3 2016 | +0.7% | +2.7% | +29.2% | |
| Q2 2016 | -0.0% | -2.3% | +1.5% | |
| Q1 2016 | +0.2% | — | — | |
| Q4 2015 | +4.0% | — | — | |
| Q3 2015 | +2.7% | — | — | |
| Q2 2015 | -8.0% | — | — | |
| Q1 2015 | +4.4% | — | — | |
| Q4 2014 | -8.8% | — | — | |
| Q3 2014 | +5.1% | — | — | |
| Q2 2014 | -0.8% | — | — | |
| Q1 2014 | +2.9% | — | — | |
| Q4 2013 | -8.6% | — | — | |
| Q3 2013 | +1.2% | — | — | |
| Q2 2013 | +3.3% | — | — | |
| Q1 2013 | -0.4% | — | — | |
| Q4 2012 | -4.0% | — | — | |
| Q3 2012 | -2.3% | — | — | |
| Q4 2011 | +4.9% | — | — | |
| Q2 2012 | +4.9% | — | — | |
| Q1 2011 | -1.7% | — | — | |
| Q1 2012 | +0.9% | — | — | |
| Q4 2009 | +2.2% | — | — | |
| Q3 2010 | +1.0% | — | — | |
| Q3 2011 | +1.0% | — | — | |
| Q2 2011 | -1.7% | — | — | |
| Q2 2010 | -1.7% | — | — | |
| Q4 2010 | -1.7% | — | — | |
| Q1 2010 | -4.4% | — | — |
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