Cass Information 系统 CASS
$54.18 −$0.13 (-0.24%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $54.18 0.00%
开盘$54.20
昨收$54.31
当日区间$53.67 – $54.73
成交量48.0K
市值$693.26M
市盈率（TTM）18.6
股息率2.36%
基本面
最新报告季度：Q3, ended Sep 2026
营收$52.49M+5.3% YoY
净利润$10.57M+16.1% YoY
摊薄每股收益$0.81+19.1% YoY
自由现金流$13.84M+625.8% YoY
经营现金流$16.94M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率19.9%
净资产收益率16.3%
资产收益率1.5%
负债/资产比率91.2%
现金及投资$255.87M
总负债$0.00
净现金（净负债）$255.87M
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 报告营业总收入 | $52.70M | $49.94M | – | – | – |
| 营业总收入 | $52.49M | $50.47M | $49.16M | $181.57M | $39.97M |
| 净利息收入 | $22.89M | $21.55M | $21.22M | $81.24M | $21.47M |
| -利息收入 | $26.72M | $25.61M | $25.10M | $97.57M | $25.37M |
| -利息支出 | $3.82M | $4.06M | $3.89M | $16.33M | $3.90M |
| 非利息收入 | $29.59M | $28.93M | $27.95M | $100.33M | $18.50M |
| -手续费及佣金 | $27.53M | $27.04M | $26.16M | $97.00M | $16.25M |
| -其他非利息收入 | $2.10M | $1.89M | $1.78M | $6.87M | $2.21M |
| -资产出售损益 | -$38,000.00 | $5,000.00 | $5,000.00 | -$3.53M | $38,000.00 |
| 信用损失准备 | $211,000.00 | $1.23M | -$61,000.00 | $1.65M | $389,000.00 |
| 非利息支出 | $39.78M | $38.53M | $38.22M | $144.46M | $30.37M |
| 物业及设备费用 | $3.67M | $3.48M | $3.11M | $12.68M | $3.19M |
| 销售及管理费用 | $27.65M | $27.09M | $27.28M | $113.14M | $30.50M |
| -管理费用 | $27.65M | $27.09M | $27.28M | $110.07M | $27.43M |
| 折旧、摊销与折耗 | $286,000.00 | $293,000.00 | $293,000.00 | $1.17M | $293,000.00 |
| -折旧与摊销 | $286,000.00 | $293,000.00 | $293,000.00 | $1.17M | $293,000.00 |
| 其他非利息支出 | $8.18M | $7.67M | $7.53M | $17.47M | -$3.62M |
| 税前利润 | $12.92M | $13.17M | $10.88M | $38.76M | $9.99M |
| 税费 | $2.35M | $2.60M | $2.14M | $7.65M | $1.80M |
| 净利润 | $10.57M | $10.59M | $8.83M | $35.12M | $8.19M |
| 持续经营利润 | $10.57M | $10.58M | $8.74M | $31.11M | $8.19M |
| 终止经营净利润 | $6,000.00 | $12,000.00 | $93,000.00 | $4.00M | -$1,000.00 |
| 归属母公司净利润 | $10.57M | $10.59M | $8.83M | $35.12M | $8.19M |
| 归属普通股股东净利润 | $10.57M | $10.59M | $8.83M | $35.12M | $8.19M |
| 基本每股收益 | $0.83 | $0.83 | $0.69 | $2.66 | $0.63 |
| 摊薄每股收益 | $0.81 | $0.81 | $0.67 | $2.61 | $0.62 |
| 每股股息 | $0.32 | $0.32 | $0.32 | $1.25 | $0.32 |
| -销售及营销费用 | – | – | – | $3.07M | – |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $2.56B | $2.52B | $2.53B | $2.61B | $2.61B |
| 现金、现金等价物及联邦基金出售 | $255.87M | $228.47M | $244.34M | $392.27M | $392.27M |
| -现金及现金等价物 | $255.87M | $228.47M | $244.34M | $392.27M | $392.27M |
| 证券投资 | $802.46M | $736.79M | $785.34M | $770.77M | $770.77M |
| -短期投资 | $802.46M | $9.10M | $9.38M | $6.76M | $6.76M |
| 贷款净额 | $914.11M | $1.09B | $1.07B | $1.05B | $1.05B |
| -贷款总额 | $927.71M | $1.10B | $1.09B | $1.06B | $1.06B |
| -贷款及租赁损失准备 | $13.60M | $14.37M | $13.86M | $13.60M | $13.60M |
| 应收款 | $142.01M | $44.69M | $4.95M | $69.43M | $69.43M |
| -应收账款 | $5.00M | $44.69M | $4.95M | $69.43M | $69.43M |
| -其他应收款 | $137.01M | – | – | – | – |
| 固定资产净值 | $29.79M | $29.85M | $29.90M | $29.45M | $29.45M |
| 商誉及其他无形资产 | $19.02M | $19.31M | $19.60M | $19.89M | $19.89M |
| 预付资产 | $257.71M | $249.61M | $260.62M | $164.51M | $164.51M |
| 银行持有的寿险资产 | $53.67M | $53.16M | $52.67M | $52.20M | $52.20M |
| 其他资产 | $81.33M | $65.67M | $61.49M | $59.89M | $59.89M |
| 负债合计 | $2.33B | $2.27B | $2.29B | $2.36B | $2.36B |
| 存款合计 | $1.15B | $1.12B | $1.11B | $1.20B | $1.20B |
| 短期债务及融资租赁负债 | $0.00 | $80.00M | $145.00M | – | – |
| -一年内到期债务 | $0.00 | $80.00M | $145.00M | – | – |
| 应付款 | $1.13B | $1.03B | $1.00B | $1.12B | $1.12B |
| -应付账款 | $1.13B | $1.03B | $1.00B | $1.12B | $1.12B |
| 其他负债 | $46.20M | $46.88M | $41.16M | $38.14M | $38.14M |
| 股东权益合计 | $226.04M | $244.66M | $241.79M | $243.00M | $243.00M |
| 股东权益 | $226.04M | $244.66M | $241.79M | $243.00M | $243.00M |
| 股本 | $7.75M | $7.75M | $7.75M | $7.75M | $7.75M |
| -普通股 | $7.75M | $7.75M | $7.75M | $7.75M | $7.75M |
| 资本公积 | $208.06M | $206.97M | $206.81M | $207.05M | $207.05M |
| 留存收益 | $184.76M | $178.29M | $171.80M | $167.09M | $167.09M |
| 减：库存股 | $117.44M | $117.44M | $114.37M | $112.15M | $112.15M |
| 不影响留存收益的损益 | -$57.10M | -$30.91M | -$30.20M | -$26.75M | -$26.75M |
| -可供出售证券 | – | $727.69M | $775.96M | $764.02M | $764.02M |
| -商誉 | – | $16.16M | $16.16M | $16.16M | $16.16M |
| -其他无形资产 | – | $3.14M | $3.44M | $3.73M | $3.73M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -固定资产原值 | – | – | – | $84.34M | $84.34M |
| -累计折旧 | – | – | – | -$54.89M | -$54.89M |
| 持有待售资产 | – | – | – | $0.00 | $0.00 |
| 终止经营负债 | – | – | – | $0.00 | $0.00 |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $16.94M | $14.55M | $37.44M | $4.85M | $12.32M |
| 持续经营经营活动现金流净额 | $16.93M | $14.46M | $38.81M | $4.85M | $12.42M |
| 持续经营净利润 | $10.58M | $8.74M | $31.11M | $8.19M | $9.21M |
| 持续经营损益 | -$5,000.00 | -$5,000.00 | $3.53M | -$38,000.00 | -$4,000.00 |
| 折旧、折耗与摊销 | $1.85M | $1.73M | $7.20M | $1.85M | $1.74M |
| 其他非现金项目 | -$338,000.00 | $456,000.00 | -$12.48M | -$7.86M | -$1.49M |
| 营运资金变动 | $3.54M | $2.21M | $3.93M | $2.09M | $1.94M |
| -应收款变动 | -$491,000.00 | $494,000.00 | -$322,000.00 | $27,000.00 | -$180,000.00 |
| -应付账款及应计费用变动 | $4.03M | $1.72M | $4.26M | $2.07M | $2.12M |
| 终止经营经营活动现金流 | $12,000.00 | $93,000.00 | -$1.37M | -$1,000.00 | -$106,000.00 |
| 投资活动现金流净额 | $41.24M | -$144.87M | -$145.28M | $818,000.00 | -$95.96M |
| 持续经营投资活动现金流净额 | $41.24M | -$144.87M | -$145.18M | $818,000.00 | -$95.96M |
| 固定资产购置及出售净额 | -$3.10M | -$1.90M | -$5.66M | -$717,000.00 | -$1.03M |
| 投资购置及出售净额 | $47.63M | -$19.35M | -$222.31M | -$49.12M | -$113.15M |
| 贷款净收益 | -$14.31M | -$27.51M | $20.77M | $27.13M | $28.66M |
| 其他投资变动净额 | $11.01M | -$96.11M | $44.02M | $23.53M | -$10.44M |
| 筹资活动现金流 | -$74.05M | -$17.61M | $150.38M | $127.97M | $124.11M |
| 持续经营筹资活动现金流净额 | -$74.05M | -$17.61M | $170.05M | $127.97M | $124.11M |
| 存款增减 | $10.89M | -$94.35M | $232.12M | $165.37M | $30.86M |
| Net Issuance Payments of Debt | -$65.00M | $145.00M | – | – | – |
| 普通股发行净额 | -$3.08M | -$2.92M | -$25.99M | -$8.26M | -$6.73M |
| 已付现金股利 | -$4.10M | -$4.13M | -$16.51M | -$4.14M | -$4.07M |
| 其他筹资活动净额 | -$12.76M | -$61.21M | -$19.57M | -$25.01M | $104.06M |
| 联邦基金出售及约定买回证券收付款 | $0.00 | $0.00 | -$19.67M | $0.00 | $0.00 |
| 期末现金余额 | $228.47M | $244.34M | $392.27M | $392.27M | $258.63M |
| 现金净变动 | -$15.87M | -$147.93M | $42.54M | $133.63M | $40.47M |
| 期初现金余额 | $244.34M | $392.27M | $349.73M | $258.63M | $218.17M |
| 自由现金流 | $13.84M | $12.65M | $31.77M | $4.13M | $11.28M |
| 业务购买及出售净额 | – | – | $18.00M | $0.00 | $0.00 |
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