vs
Side-by-side financial comparison of CASS INFORMATION SYSTEMS INC (CASS) and OptimumBank Holdings, Inc. (OPHC). Click either name above to swap in a different company.
CASS INFORMATION SYSTEMS INC is the larger business by last-quarter revenue ($26.2M vs $13.6M, roughly 1.9× OptimumBank Holdings, Inc.). OptimumBank Holdings, Inc. runs the higher net margin — 35.7% vs 31.3%, a 4.4% gap on every dollar of revenue. On growth, OptimumBank Holdings, Inc. posted the faster year-over-year revenue change (32.0% vs -1.3%). OptimumBank Holdings, Inc. produced more free cash flow last quarter ($16.9M vs $4.1M). Over the past eight quarters, OptimumBank Holdings, Inc.'s revenue compounded faster (23.0% CAGR vs -2.8%).
Cass Information Systems Inc is a leading provider of integrated financial automation and information management solutions for enterprises. Its core services cover freight payment processing, utility expense management, commercial payment services, and supporting data analytics tools, helping clients streamline financial workflows, cut operational costs, and gain clearer cross-category spending visibility to support smarter business decisions.
OptimumBank Holdings, Inc. is a Florida-based bank holding company operating the local community bank OptimumBank. It offers retail and commercial banking products including deposit accounts, loans, mortgage services and wealth management, serving individual consumers and small-to-medium enterprises in southern Florida.
CASS vs OPHC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $26.2M | $13.6M |
| Net Profit | $8.2M | $4.9M |
| Gross Margin | — | — |
| Operating Margin | 38.1% | 47.5% |
| Net Margin | 31.3% | 35.7% |
| Revenue YoY | -1.3% | 32.0% |
| Net Profit YoY | 78.3% | 22.9% |
| EPS (diluted) | $0.61 | $-0.08 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $26.2M | $13.6M | ||
| Q3 25 | $27.4M | $13.0M | ||
| Q2 25 | $27.6M | $12.1M | ||
| Q1 25 | $26.8M | $10.7M | ||
| Q4 24 | $26.5M | $10.3M | ||
| Q3 24 | $28.1M | $10.1M | ||
| Q2 24 | $27.6M | $9.9M | ||
| Q1 24 | $27.7M | $9.0M |
| Q4 25 | $8.2M | $4.9M | ||
| Q3 25 | $9.1M | $4.3M | ||
| Q2 25 | $8.9M | $3.6M | ||
| Q1 25 | $9.0M | $3.9M | ||
| Q4 24 | $4.6M | $3.9M | ||
| Q3 24 | $2.9M | $3.3M | ||
| Q2 24 | $4.5M | $3.5M | ||
| Q1 24 | $7.2M | $2.4M |
| Q4 25 | 38.1% | 47.5% | ||
| Q3 25 | 42.3% | 43.5% | ||
| Q2 25 | 22.8% | 40.2% | ||
| Q1 25 | 40.6% | 48.8% | ||
| Q4 24 | 19.7% | 51.5% | ||
| Q3 24 | 13.4% | 44.0% | ||
| Q2 24 | 20.2% | 46.9% | ||
| Q1 24 | 32.1% | 35.9% |
| Q4 25 | 31.3% | 35.7% | ||
| Q3 25 | 33.2% | 33.2% | ||
| Q2 25 | 32.1% | 29.8% | ||
| Q1 25 | 33.5% | 36.3% | ||
| Q4 24 | 17.3% | 38.3% | ||
| Q3 24 | 10.5% | 32.8% | ||
| Q2 24 | 16.2% | 35.2% | ||
| Q1 24 | 25.8% | 26.4% |
| Q4 25 | $0.61 | $-0.08 | ||
| Q3 25 | $0.68 | $0.18 | ||
| Q2 25 | $0.66 | $0.29 | ||
| Q1 25 | $0.66 | $0.32 | ||
| Q4 24 | $0.34 | $-0.17 | ||
| Q3 24 | $0.21 | $0.15 | ||
| Q2 24 | $0.32 | $0.34 | ||
| Q1 24 | $0.52 | $0.31 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $758.4M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $243.0M | $121.9M |
| Total Assets | $2.6B | $1.1B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $758.4M | — | ||
| Q3 25 | $486.6M | — | ||
| Q2 25 | $431.2M | — | ||
| Q1 25 | $428.9M | — | ||
| Q4 24 | $680.1M | — | ||
| Q3 24 | $432.0M | — | ||
| Q2 24 | $441.7M | — | ||
| Q1 24 | $368.3M | — |
| Q4 25 | $243.0M | $121.9M | ||
| Q3 25 | $243.4M | $116.9M | ||
| Q2 25 | $240.8M | $111.3M | ||
| Q1 25 | $234.2M | $108.0M | ||
| Q4 24 | $229.0M | $103.2M | ||
| Q3 24 | $237.6M | $92.7M | ||
| Q2 24 | $229.9M | $87.0M | ||
| Q1 24 | $229.5M | $83.0M |
| Q4 25 | $2.6B | $1.1B | ||
| Q3 25 | $2.5B | $1.1B | ||
| Q2 25 | $2.3B | $999.1M | ||
| Q1 25 | $2.3B | $977.5M | ||
| Q4 24 | $2.4B | $932.9M | ||
| Q3 24 | $2.3B | $945.2M | ||
| Q2 24 | $2.3B | $899.8M | ||
| Q1 24 | $2.3B | $940.6M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $4.8M | $17.8M |
| Free Cash FlowOCF − Capex | $4.1M | $16.9M |
| FCF MarginFCF / Revenue | 15.8% | 124.6% |
| Capex IntensityCapex / Revenue | 2.7% | 6.6% |
| Cash ConversionOCF / Net Profit | 0.59× | 3.68× |
| TTM Free Cash FlowTrailing 4 quarters | $31.8M | $27.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $4.8M | $17.8M | ||
| Q3 25 | $12.3M | $1.9M | ||
| Q2 25 | $-1.3M | $6.2M | ||
| Q1 25 | $21.6M | $3.1M | ||
| Q4 24 | $18.6M | $15.6M | ||
| Q3 24 | $-198.0K | $4.0M | ||
| Q2 24 | $10.7M | $3.1M | ||
| Q1 24 | $9.8M | $2.5M |
| Q4 25 | $4.1M | $16.9M | ||
| Q3 25 | $11.3M | $1.9M | ||
| Q2 25 | $-2.6M | $5.9M | ||
| Q1 25 | $19.0M | $2.9M | ||
| Q4 24 | $18.4M | $14.6M | ||
| Q3 24 | $-2.2M | $3.9M | ||
| Q2 24 | $7.9M | $2.7M | ||
| Q1 24 | $6.3M | $2.3M |
| Q4 25 | 15.8% | 124.6% | ||
| Q3 25 | 41.1% | 14.7% | ||
| Q2 25 | -9.5% | 48.5% | ||
| Q1 25 | 71.0% | 26.8% | ||
| Q4 24 | 69.5% | 141.9% | ||
| Q3 24 | -8.0% | 38.3% | ||
| Q2 24 | 28.6% | 27.5% | ||
| Q1 24 | 22.9% | 25.4% |
| Q4 25 | 2.7% | 6.6% | ||
| Q3 25 | 3.8% | 0.0% | ||
| Q2 25 | 4.9% | 2.5% | ||
| Q1 25 | 9.6% | 2.7% | ||
| Q4 24 | 0.7% | 9.6% | ||
| Q3 24 | 7.2% | 1.5% | ||
| Q2 24 | 10.1% | 3.6% | ||
| Q1 24 | 12.6% | 2.9% |
| Q4 25 | 0.59× | 3.68× | ||
| Q3 25 | 1.35× | 0.44× | ||
| Q2 25 | -0.15× | 1.71× | ||
| Q1 25 | 2.41× | 0.81× | ||
| Q4 24 | 4.06× | 3.95× | ||
| Q3 24 | -0.07× | 1.21× | ||
| Q2 24 | 2.38× | 0.89× | ||
| Q1 24 | 1.37× | 1.07× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CASS
| Processing Fees | $15.9M | 61% |
| Financial Fees | $9.9M | 38% |
OPHC
Segment breakdown not available.
