Cass Information Systems (Nasdaq: CASS) filed its 10-K on March 8. Here are the numbers you need to know.

The 10-second takeaway
 For the quarter ended Dec. 31 (Q4), Cass Information Systems missed estimates on revenues and missed estimates on earnings per share.

Compared to the prior-year quarter, revenue grew slightly. GAAP earnings per share contracted.

Margins dropped across the board.

Revenue details
 Cass Information Systems notched revenue of $26.8 million. The one analyst polled by S&P Capital IQ looked for revenue of $28.0 million on the same basis. GAAP reported sales were the same as the prior-year quarter's.

Source: S&P Capital IQ. Quarterly periods. Dollar amounts in millions. Non-GAAP figures may vary to maintain comparability with estimates.

EPS details
 EPS came in at $0.46. The one earnings estimate compiled by S&P Capital IQ anticipated $0.54 per share. GAAP EPS of $0.46 for Q4 were 4.2% lower than the prior-year quarter's $0.48 per share.

Source: S&P Capital IQ. Quarterly periods. Non-GAAP figures may vary to maintain comparability with estimates.

Margin details
 For the quarter, gross margin was 41.0%, 650 basis points worse than the prior-year quarter. Operating margin was 26.5%, 280 basis points worse than the prior-year quarter. Net margin was 18.3%, 140 basis points worse than the prior-year quarter. (Margins calculated in GAAP terms.)

Looking ahead
 Next quarter's average estimate for revenue is $28.3 million. On the bottom line, the average EPS estimate is $0.52.

Next year's average estimate for revenue is $116.1 million. The average EPS estimate is $2.16.

Investor sentiment
 The stock has a three-star rating (out of five) at Motley Fool CAPS, with 80 members out of 86 rating the stock outperform, and six members rating it underperform. Among 39 CAPS All-Star picks (recommendations by the highest-ranked CAPS members), 36 give Cass Information Systems a green thumbs-up, and three give it a red thumbs-down.

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