Jack Henry & Associates
Provides core banking, payments, and digital tools to community and regional financial institutions.
Something off on this page? Send us feedback.
Profile
Provides core processing, payment services, and complementary software to community and regional banks and credit unions. Revenue is anchored by hosted platforms and recurring electronic payments under multiyear contracts, with core relationships supporting cross-sales of Banno digital banking, treasury, lending, and fraud tools.
Based in Monett, Missouri, provides core processing, payment processing, and complementary software and services to community and regional banks and credit unions. Core systems automate deposit, lending, general-ledger, and accountholder records; payments span card, ACH, bill pay, remote deposit, ATM, and wire workflows; complementary products cover Banno digital banking, treasury, account opening, lending, fraud, and risk management.
Earns most support and service revenue from hosted private- and public-cloud services and recurring electronic payments, typically under multiyear contracts, while also licensing on-premise software and reselling hardware. Long client relationships support cross-selling across core and core-agnostic products, and the Jack Henry Platform is extending delivery through public-cloud-native, API-first services. Operations remain subject to banking-agency examinations, evolving financial regulation, cybersecurity demands, and third-party technology dependencies.
Company facts
Categories
Key statistics
Year to date −4.8% · Average volume (30d) 934.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Aug 25, 2026 | Wolfe Research | Reiterate | Outperform | $165 | $215 |
| Aug 20, 2026 | RBC Capital | Reiterate | Outperform | $173 | $178 |
| Aug 20, 2026 | UBS | Reiterate | Neutral | $165 | $170 |
| Aug 20, 2026 | Goldman Sachs | Reiterate | Neutral | $178 | |
| Aug 20, 2026 | Barclays | Reiterate | Overweight | $170 | $185 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 19, 2026Q4 FY26 | $1.47 | $1.57 | +6.8% | $631.6M | $644.0M | +2.0% | +1.24% |
| May 5, 2026Q3 FY26 | $1.43 | $1.71 | +19.6% | $619.7M | $636.2M | +2.7% | −4.33% |
| Feb 3, 2026Q2 FY26 | $1.43 | $1.72 | +20.3% | $609.8M | $619.3M | +1.6% | +4.59% |
| Nov 4, 2025Q1 FY26 | $1.71 | $1.97 | +15.2% | $636.0M | $644.7M | +1.4% | +4.86% |
Financial highlights
| 12 quarters | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $585.1M | $615.4M | $644.7M | $619.3M | $636.2M | $644.0M | |
| Gross profit | $244.5M | $271.5M | $296.2M | $268.3M | $272.3M | $273.8M | |
| Operating income | $138.7M | $155.7M | $184.1M | $159.1M | $155.0M | $108.0M | |
| Net income | $111.1M | $127.6M | $144.0M | $124.7M | $122.9M | $111.2M | |
| Diluted EPS | $1.52 | $1.75 | $1.97 | $1.72 | $1.71 | $1.57 | |
| Gross margin | 41.8% | 44.1% | 45.9% | 43.3% | 42.8% | 42.5% | |
| Operating margin | 23.7% | 25.3% | 28.5% | 25.7% | 24.4% | 16.8% |
Fiscal years (4-quarter sums)FY22 $1.94B · FY23 $2.08B · FY24 $2.22B · FY25 $2.38B · FY26 $2.54B
Revenue by product · Q4 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $12.1M · Total debt $40.0M · Total assets $3.15B · Shareholders' equity $2.05B
Dividends
Raised for 34 straight years — most recently to $0.61 from $0.58 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jun 1, 2026 | Jun 1 | Jun 19 | $0.61 | |
| Mar 5, 2026 | Mar 5 | Mar 25 | $0.61 | raised from $0.58 |
| Dec 2, 2025 | Dec 2 | Dec 23 | $0.58 | |
| Sep 5, 2025 | Sep 5 | Sep 26 | $0.58 | |
| May 29, 2025 | May 29 | Jun 18 | $0.58 | |
| Mar 6, 2025 | Mar 6 | Mar 25 | $0.58 | raised from $0.55 |
| Dec 2, 2024 | Dec 2 | Dec 23 | $0.55 | |
| Sep 6, 2024 | Sep 6 | Sep 27 | $0.55 |
Ownership
A 13F quarter can total more than the shares outstanding — sub-advisers file the same block twice, and a filer's own share count can be a quarter stale. No split is drawn from it.
Shares outstanding 71.05M · Float 70.58M · 99.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Kayne Anderson Rudnick Investment Management LLC | 5.21M | 7.34% | 13F | Aug 13, 2026 |
| BlackRock, Inc. | 5.12M | 7.21% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 4.64M | 6.54% | 13F | Aug 13, 2026 |
| State Street Corp | 3.70M | 5.21% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management | 3.57M | 5.02% | 13G | Jul 31, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 14, 2026 | Mimi Carsley | officer: CFO and Treasurer | +375 | $134.12 |
| May 14, 2026 | Gregory R. Adelson | director, officer: President & CEO | +2,000 | $133.42 |
| Dec 1, 2025 | David B. Foss | director | −20,000 | $174.92 |
| Nov 10, 2025 | Shanon G. McLachlan | officer: COO | −227 | $160.83 |
Peers
- FIS
Broad core, digital, and payments rival for banks.
- Q2
Digital-banking specialist for banks and credit unions.
- Alkami Technology
Cloud digital-banking rival for US financial institutions.
- ACI Worldwide
Payments-software rival in bill pay, A2A, and fraud.
- NCR Atleos
ATM and self-service banking rival in payments access.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Jack Henry & Associates | $169.73 | −0.01% | $12.06B | 24.4 | 23.1 | 4.8 | +4.7% |
| FIS | $41.31 | −0.33% | $21.42B | 6.3 | 6.5 | 1.7 | +29.1% |
| Q2 | $65.13 | +0.12% | $4.06B | 46.5 | 21.0 | 4.8 | +12.6% |
| Alkami Technology | $20.22 | +0.05% | $2.16B | — | 20.7 | 4.4 | +15.9% |
| ACI Worldwide | $53.67 | −0.33% | $5.47B | 24.7 | 20.6 | 3.0 | +7.3% |
| NCR Atleos | $46.26 | −0.02% | $3.41B | 18.1 | 9.7 | 0.8 | −0.1% |
| Median | 21.4 | 20.6 | 3.0 | +12.6% |