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Trust Stamp Inc (NASDAQ:IDAI, ISE:AIID)'s driver's license verification technology is now available through Jack Henry's digital banking platform, the company said Tuesday.

The AI-powered trust and identity solutions provider integrated its AAMVA Driver's License Data Verification (DLDV) solution using the Banno Digital Toolkit, the API framework underlying the Banno Digital Platform.

The integration embeds Trust Stamp's technology into digital banking experiences offered by community and regional financial institutions, adding to Jack Henry's ecosystem of more than 1,000 fintechs serving over 7,200 financial institutions.

The move comes as financial institutions confront a rise in identity fraud driven by generative AI, with traditional verification systems that scan only the physical card vulnerable to sophisticated forgeries and synthetic identities.

The AAMVA DLDV system queries official DMV records in real time to confirm that driver's license data matches active government records, allowing institutions to move from document authentication to data verification without adding friction for users.

"We are exceptionally proud to collaborate with Jack Henry and bring our un-fakeable data verification capabilities into their digital banking ecosystem," said Andrew Gowasack, president of Trust Stamp.

"Utilizing the Banno Digital Toolkit allowed our team to seamlessly embed this high-assurance protection directly into native banking experiences. This integration enables community banks and credit unions to deploy the 'gold standard' of identity trust instantly, protecting their institutions and their accountholders from sophisticated modern fraud threats."

Shares of Trust Stamp were up over 8% on Tuesday morning.

, /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that it will be participating in an upcoming conference.

President & CEO Greg Adelson will present at the Goldman Sachs Communacopia + Technology Conference 2026 on September 9th. The presentation takes place at 4:05 p.m. ET. A live webcast of the presentation will be accessible here.

Replays will be available on ir.jackhenry.com following the live presentation.

About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower more than 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.

Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

SOURCE Jack Henry & Associates, Inc.

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Stock to Watch: Jack Henry (JKHY - Free Report) Monett, MO-based Jack Henry & Associates, Inc. is a financial technology company that provides technology solutions and payment services primarily to community and regional banks and credit unions.

JKHY is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.

Momentum investors should take note of this Computer and Technology stock. JKHY has a Momentum Style Score of A, and shares are up 11.5% over the past four weeks.

For fiscal 2027, four analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.12 to $7.24 per share. JKHY boasts an average earnings surprise of +17.3%.

With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, JKHY should be on investors' short list.

, /PRNewswire/ -- Jack Henry & Associates Inc.® (Nasdaq: JKHY) announced the appointment of Richard N. Preece to its Board of Directors, effective August 20, 2026. Preece joins the Board's Human Capital & Compensation and Risk & Compliance committees.

Preece, 51, currently serves as Chief Executive Officer of Liminex, Inc., doing business as GoGuardian, the leader in education technology supporting more than 25 million students and 10,000 schools nationwide. Prior to joining GoGuardian in 2024, Preece was Chief Operating Officer at LegalZoom.com, Inc. from 2019 to 2024. He also held various management and leadership positions at Intuit Inc. from 2002 to 2019, including serving as U.S. General Manager for QuickBooks.

"We are very excited to welcome Rich to our Board of Directors," said Board Chair Matt Flanigan. "Rich is an outstanding leader who brings extensive, practical experience driving business innovation and product development in financial services, along with a deep understanding of operations, risk management, and strategic priorities for technology companies."

Jack Henry also announced that director Wes Brown will not stand for reelection at the Company's November annual meeting in keeping with the Company's retirement age policy. Brown, President of Bent St. Vrain & Company, LLC, a Denver-based bank consulting firm, has served on the Board since 2015 in addition to a prior term from 2005 to 2014.

"On behalf of the Board, I want to thank Wes for his tremendous service over these past many years," Flanigan said. "Jack Henry has benefited immensely from Wes' extensive expertise in many areas including finance, compliance, and banking, as well as his specialized insights into mergers and acquisitions. His legacy of Board service for Jack Henry will be a long and lasting one."

About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower more than 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com. 

SOURCE Jack Henry & Associates, Inc.

Jack Henry & Associates (NASDAQ:JKHY) reported better-than-expected fourth-quarter financial results and issued FY27 GAAP EPS guidance above estimates, after the closing bell on Tuesday.

Jack Henry & Associates posted quarterly earnings of $1.57 per share, beating market estimates of $1.46 per share. The company’s sales came in at $644.023 million, versus estimates of $630.835 million.

Jack Henry & Associates said it sees FY2027 GAAP EPS of $7.33-$7.38, versus market estimates of $7.26. The company sees adjusted sales of $2.659 billion-$2.684 billion, versus expectations of $2.678 billion.

Greg Adelson, President and CEO said, “We are extremely pleased to report record sales and financial results for fiscal 2026. We delivered a record 58 competitive core wins for the year, including 14 institutions with more than $1 billion in assets, and both fourth-quarter and full-year non-GAAP revenue reached new highs. Technology spending remains strong, which is reflected in our robust sales pipeline as we continue to provide innovative solutions and expand the use of artificial intelligence to help banks and credit unions win in the markets they serve. As we enter fiscal 2027, we are well positioned to continue driving consistent revenue growth, margin expansion, and long-term value through our unwavering focus on culture, service, innovation, strategy, and execution.”

Jack Henry shares gained 1.8% to trade at $165.97 on Thursday.

These analysts made changes to their price targets on Jack Henry following earnings announcement.

RBC Capital analyst Daniel R. Perlin maintained the stock with an Outperform rating and raised the price target from $173 to $178. Barclays analyst Nik Cremo maintained the stock with an Overweight rating and raised the price target from $170 to $185. UBS analyst Timothy Chiodo maintained the stock with a Neutral and raised the price target from $165 to $170. Latest Private Market Opportunities

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Jack Henry's core, digital, payments, and financial crimes solutions will help improve employee and customer experience. Open ecosystem encourages future fintech relationships and facilitates growth. Continuous AI innovation across Jack Henry solutions will support long-term modernization. , /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that Prevail Bank has selected Jack Henry to help grow its business through modern technology, an open ecosystem, and continuous AI innovation.

Medford, Wisconsin-based Prevail Bank serves communities across central and northern Wisconsin. As a mutual bank, Prevail Bank reinvests in its employees, customers, and communities while expanding its commercial and small business banking throughout existing markets. The bank is also focused on growing deposits, improving efficiency, and competing more effectively with larger banks and fintechs.

To support these goals, Prevail Bank selected Jack Henry's core processing platform and a range of integrated solutions:

The Banno Digital Platform™ will provide a modern digital banking experience, including secure and authenticated customer communications through Banno Conversations™.  Tap2Local™ will help small business clients accept digital payments while supporting the bank's deposit growth strategy. Enterprise Workflow will automate manual processes to improve operational efficiency. Jack Henry Financial Crimes Defender™ will strengthen fraud detection and help ensure BSA compliance. In addition, Jack Henry's open ecosystem offers the flexibility to integrate with more than 1,000 third-party fintechs. "We need a technology provider with a proven track record of delivering on its commitments, and the experience to support our growth goals," said Nathan Quinnell, President of Prevail Bank. "Jack Henry's open ecosystem gives us the flexibility to build third-party partnerships and deliver capabilities we simply didn't have before. The company's high standards of service and shared values made it a natural fit for us."

Jack Henry's AI strategy played an important role in Prevail Bank's decision. For example, Defender recently announced AI-assisted drafting of Suspicious Activity Report (SAR) narratives; this saves at least one hour per suspicious activity investigation, allowing fraud investigators to dig deeper and spend more time stopping fraudsters.

"As we build out our AI strategy, it was important to choose a provider that's already embedding AI across its platform," Quinnell added. "Jack Henry's pace of AI innovation gives us confidence it will improve productivity and our efficiency ratio today while creating opportunities for the future, whether that's streamlining lending, accelerating processes, enhancing customer notifications, or delivering an even better customer experience."

"Prevail Bank has a clear vision for the future of banking in its community, combining relationship-driven service with a strong focus on innovation and operational excellence," said Jonathan Baltzell, President of Bank Solutions at Jack Henry. "We're excited to support that vision with the open technology, continuous innovation, and modern capabilities their employees and customers deserve."

About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower more than 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.

SOURCE Jack Henry & Associates, Inc.

Key Takeaways Jack Henry beat Q4 estimates as revenues rose 4.7%, supported by processing and cloud-related growth.Processing revenues climbed 7.5%, with faster payments up 47% and digital transactions rising 8.6%.Fiscal 2027 guidance calls for 5.5%-6.5% GAAP revenue growth and EPS of $7.33-$7.38. Jack Henry & Associates, Inc. (JKHY - Free Report) delivered better-than-expected fourth-quarter fiscal 2026 results. The company reported earnings of $1.71 per share for the fourth quarter, surpassing the Zacks Consensus Estimate by 9.%. However, the bottom line declined 10.2% year over year.

Revenues rose 4.7% year over year to $644 million, beating the consensus mark by 2.3%. After adjusting for deconversion revenues of $9.3 million and revenues from the acquisition of $1.6 million, non-GAAP revenues were $633.1 million, up 6.6% year over year.

Growth in processing, cloud-related data processing and hosting, digital transactions and faster payments supported the top line. Management also highlighted a record 58 competitive core wins for fiscal 2026. Among fiscal 2026's competitive core wins, 14 institutions had more than $1 billion in assets. Management also pointed to a robust sales pipeline as technology spending remains strong. CFO Mimi Carsley highlighted a 23.2% return on invested capital for the full year.

Jack Henry & Associates surpassed the Zacks Consensus Estimate for earnings in each of the preceding four quarters, the average surprise being 17.3%.

JKHY’s Revenue Gains Are Broad-Based Across SegmentsServices and Support revenues rose 2.5% year over year to $360.2 million. Growth was driven mainly by data processing and hosting within private and public cloud, which increased 7.4%, along with a 27.3% rise in license and hardware revenues and a 38.6% increase in education, royalty and other revenues.

Processing revenues advanced 7.5% to $283.8 million. Card revenues grew 5.4%, Jack Henry digital and transaction revenues increased 8.6%, and faster payments revenues jumped 47%.

Segment-wise, Core division’s revenues climbed 1.9% year over year to $191.6 million. Payments revenues rose 4.9% to $240.4 million, while Complementary revenues advanced 4.7% to $188.8 million. Corporate Services revenues increased 30.4% to $23.2 million.

JKHY's Increased Costs Pressure Quarterly MarginsGAAP operating income declined 12.2% year over year to $136.8 million, while the operating margin contracted to 21.2% from 25.3% in the year-ago quarter. Fourth-quarter non-GAAP adjusted operating income came in at $133.3 million, down 7.3% from the year-ago period. Non-GAAP adjusted operating margin contracted 210 basis points to 21.1% in the fourth quarter.

Higher personnel costs, including compensation, medical costs and benefits tied partly to headcount growth, pressured profitability. Selling, general & administrative expenses surged 19.2% year over year, while research & development costs jumped 17%.

Jack Henry’s Balance SheetAs of June 30, 2026, JKHY’s cash and cash equivalents were $12.1 million compared with $21 million as of March 31, 2026. Debt stood at $40 million at the end of the fourth quarter.

In fiscal 2026, Jack Henry & Associates generated an operating cash flow of $762 million and free cash flow of $539.3 million. JKHY repurchased $164 million of stock during the fourth quarter and $448 million in full fiscal 2026. It paid $170.4 million in dividends during fiscal 2026.

JKHY Issues Fiscal 2027 Growth OutlookFor fiscal 2027, Jack Henry expects GAAP revenues of $2.684-$2.709 billion, calling for growth of 5.5-6.5%. Non-GAAP adjusted revenues are projected at $2.659-$2.684 billion, implying growth of 6.3-7.3%. The outlook assumes $23 million of deconversion revenues and $2 million of acquisition revenues.

GAAP operating margin is expected between 24.5% and 24.7%, while the adjusted operating margin is forecast at 24.1-24.3%. Management projects GAAP earnings of $7.33-$7.38 per share, suggesting year-over-year growth of 5-5.7%.

JKHY’s Zacks Rank and Stocks to ConsiderCurrently, Jack Henry carries a Zacks Rank #3 (Hold).

Some better-ranked stocks worth considering in the broader Zacks Computer and Technology sector are Micron Technology (MU - Free Report) , Lam Research (LRCX - Free Report) and NVIDIA (NVDA - Free Report) , each carrying a Zacks Rank #2 (Buy). You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.

The Zacks Consensus Estimate for Micron’s fiscal 2026 earnings has been revised upward by a penny to $73.86 per share in the past 30 days, suggesting an increase of 791% from fiscal 2025’s reported figure. Micron shares have surged 228.8% year to date (YTD).

The Zacks Consensus Estimate for Lam Research’s fiscal 2027 earnings has moved northward by 17.8% to $9.32 per share over the past 30 days and calls for a year-over-year jump of 60.4%. Lam Research shares have soared 91.1% YTD.

The Zacks Consensus Estimate for NVIDIA’s fiscal 2027 earnings has moved upward by 13 cents to $9.09 per share in the past 60 days, implying a year-over-year improvement of approximately 90.6%. NVIDIA shares have risen 17.7% YTD.

MarketBeat Week in Review – 04/20 - 04/24Jack Henry & Associates NASDAQ: JKHY reported record fourth-quarter and fiscal 2026 results, citing revenue growth, expanding operating margins, a record number of competitive core wins and increasing adoption of its cloud, digital banking and payments offerings.

President and CEO Greg Adelson said fourth-quarter non-GAAP revenue totaled $633 million, up 7% from the prior-year period and above the company’s implied quarterly guidance. Non-GAAP operating margin was 21% in the quarter.

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The Quiet Infrastructure Play on Small-Bank SurvivalFor the full fiscal year, non-GAAP revenue reached $2.5 billion, also up 7%, while non-GAAP operating margin expanded 92 basis points to 24%. Adelson said this marked the company’s third consecutive year of operating-margin expansion of at least 60 basis points.

Record Core Sales and Larger Client Wins Jack Henry recorded 58 competitive core wins during fiscal 2026, compared with 51 in the prior year and above its previous record of 57 wins. Only six of the wins were de novo institutions, according to Adelson, with the remainder representing competitive takeaways.

3 "Tollbooth" Stocks With Hidden Monopolies in Their IndustriesFourteen of the 58 wins came from financial institutions with more than $1 billion in assets. Over the past three fiscal years, the company has won 45 core contracts with institutions above that threshold, representing roughly $98 billion in total assets. That compares with 15 institutions representing $26 billion in assets across fiscal 2022 and fiscal 2023, when the company began emphasizing its upmarket strategy.

During the fourth quarter, Jack Henry signed Woodforest National Bank, which has $9.2 billion in assets, as its largest new bank client in company history. The deal was among 15 competitive core wins during the quarter.

The company also reported greater success selling bundled “trifecta” deals that include core, digital banking and card services. Adelson said 59% of fiscal 2026 core wins included all three offerings, up from 39% of core wins in the prior year.

In response to analyst questions, Adelson said the company had already exceeded its first-quarter core-win pace from the prior year during the first month of fiscal 2027. Jack Henry expects to secure between 58 and 65 core wins in fiscal 2027, though it sees fewer credit-union request-for-proposal opportunities available than in the previous two years.

Cloud, Payments and Digital Adoption Chief Financial Officer and Treasurer Mimi Carsley said cloud revenue increased 7% in the fourth quarter and represented 32% of total revenue. Processing revenue, which accounted for 44% of total revenue, increased 7% on both a GAAP and non-GAAP basis, supported by card, digital, transaction and faster-payments revenue.

Recurring revenue represented 91% of total quarterly revenue. Services and support revenue increased 3% on a GAAP basis and 6% on a non-GAAP basis, while the company continued to see growth in private- and public-cloud hosting and data processing.

Jack Henry said 79% of core clients now operate in its private cloud. The company signed 36 contracts during the year to move clients from on-premise deployments to the private cloud, including 15 institutions with more than $1 billion in assets.

Faster-payments activity continued to rise. Adoption among Jack Henry clients grew 25% for Zelle, 24% for RTP and 29% for FedNow over the past year. Transaction volume across those channels increased 45% year over year in the fourth quarter.

The company signed 65 debit and credit card deals during fiscal 2026, up from 63 a year earlier. It also reported growing adoption of newer offerings:

Tap to Local, its small-business merchant-payment service, has been added by more than 900 banks and credit unions after more than 200 additions since the prior earnings call. Rapid Transfers is live at more than 140 banks and credit unions, with another 150 in implementation or onboarding. Banno Digital Platform signings totaled 219 for the year, up 24%, and the platform served more than 15.8 million registered users, up 11%. Treasury-management contract wins rose 25% to 45 for the year. AI, Cybersecurity and Platform Strategy Adelson said Jack Henry has 22 AI-enabled products in the market and has identified more than 20 additional AI capabilities targeted for release during the next six months. The company is using AI in its Financial Crimes Defender platform to draft summaries for Suspicious Activity Reports, an application it said can reduce drafting time by 75% to 85% while keeping investigators in control of the review process.

Other uses include translation in Banno Conversations and automated client relationship summaries in the Synapsys CRM product. Internally, the company has approved more than 100 AI tools, documented more than 890 use cases and deployed more than 50 AI agents through its internally developed platform.

Jack Henry also expanded its collaboration with Google Cloud to develop AI-driven security capabilities and joined Anthropic’s Project Glasswing cybersecurity initiative. Adelson said the company expects its Gladiator security solution set to benefit from heightened interest among financial institutions in protecting against risks associated with frontier AI models.

The company plans to integrate Open USD, a stablecoin initiative backed by financial companies including BlackRock, Mastercard and Visa, when it launches later this year. Jack Henry is also beta testing send-and-receive USDC capabilities.

Adelson said the company’s public cloud-native Jack Henry Platform remains central to its strategy, connecting its core systems to newer services. The platform includes about 25 core-related modules, and the company has a deposit-only core solution in closed beta testing. Management said it expects to provide further platform updates at its Sept. 15 Investor Day in Dallas.

Fiscal 2027 Outlook For fiscal 2027, Jack Henry forecast GAAP revenue growth of 5.5% to 6.5% and non-GAAP revenue growth of 6.3% to 7.3%. The company expects non-GAAP operating margin to expand by 20 to 40 basis points.

Carsley said the outlook incorporates higher self-insured medical costs, cybersecurity and infrastructure investments tied to AI and frontier models, and the company’s data center consolidation initiative, Project EC 2030. She said the company is cautiously optimistic that it could raise its margin-expansion outlook as the year progresses.

The company expects first-quarter non-GAAP revenue growth to fall modestly below the low end of its full-year range, primarily because its Jack Henry Connect client conference will occur in the fiscal second quarter rather than the first quarter. The event typically produces about $6 million in revenue and approximately $10 million in expense, Carsley said.

Jack Henry projected fiscal 2027 GAAP earnings per share of $7.33 to $7.38, representing growth of 5% to 6%, and forecast free-cash-flow conversion of 85% to 100%. The company’s initial deconversion-revenue assumption is $23 million for the year.

About Jack Henry & Associates (NASDAQ:JKHY)Jack Henry & Associates, Inc is a leading provider of technology solutions and payment processing services for the financial services industry. Founded in 1976 and headquartered in Monett, Missouri, the company develops and supports a comprehensive suite of software and services designed to help banks, credit unions and other financial institutions streamline operations, improve customer engagement and manage risk.

The company's core processing platforms deliver end-to-end account processing, general ledger, deposit operations and loan servicing functionality.

This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].

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Jack Henry (JKHY - Free Report) reported $644.02 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 4.7%. EPS of $1.57 for the same period compares to $1.75 a year ago.

The reported revenue represents a surprise of +2.31% over the Zacks Consensus Estimate of $629.46 million. With the consensus EPS estimate being $1.44, the EPS surprise was +9.03%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Jack Henry performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Revenue- Core: $191.61 million versus $194.56 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +1% change.Revenue- Corporate & Other: $23.19 million versus $21.28 million estimated by four analysts on average. Compared to the year-ago quarter, this number represents a +9.4% change.Revenue- Complementary: $188.8 million compared to the $178.35 million average estimate based on four analysts. The reported number represents a change of +7.8% year over year.Revenue- Payments: $240.42 million versus the four-analyst average estimate of $234.2 million. The reported number represents a year-over-year change of +4.9%.Segment Income- Core: $115.86 million compared to the $121.33 million average estimate based on two analysts.Segment Income- Corporate & Other: $-76.98 million versus $-71.09 million estimated by two analysts on average.Segment Income- Complementary: $115.79 million versus $105.3 million estimated by two analysts on average.Segment Income- Payments: $119.19 million versus $111.92 million estimated by two analysts on average.View all Key Company Metrics for Jack Henry here>>>

Shares of Jack Henry have returned -2.2% over the past month versus the Zacks S&P 500 composite's +4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

Fourth quarter summary:

GAAP revenue increased 4.7% and GAAP operating income decreased 12.2% for the fiscal three months ended June 30, 2026, compared to the prior fiscal year quarter. Non-GAAP adjusted revenue increased 6.6% and non-GAAP adjusted operating income decreased 3.1% for the fiscal three months ended June 30, 2026, compared to the prior fiscal year quarter.1 GAAP EPS was $1.57 per diluted share for the fiscal three months ended June 30, 2026, compared to $1.75 per diluted share in the prior fiscal year quarter representing contraction of 10.2%. Stock repurchases for the fiscal three months ended June 30, 2026, were $164 million at an average price of $140 per share. Fiscal year summary:

GAAP revenue increased 7.1% and GAAP operating income increased 11.7% for the fiscal year ended June 30, 2026, compared to the prior fiscal year. Non-GAAP adjusted revenue increased 7.3% and non-GAAP adjusted operating income increased 11.6% for the fiscal year ended June 30, 2026, compared to the prior fiscal year.1 GAAP EPS was $6.98 per diluted share for the fiscal year ended June 30, 2026, compared to $6.24 per diluted share in the prior fiscal year representing growth of 11.9%. Cash and cash equivalents were $12.1 million at June 30, 2026, and $102.0 million at June 30, 2025. Debt outstanding for credit facilities was $40 million at June 30, 2026, and $0 at June 30, 2025. Stock repurchases for fiscal year ended June 30, 2026, were $448 million at an average price of $152 per share. Full year fiscal 2027 guidance (Dollars in millions, other than per share amounts):3

Current

GAAP

Low

High

Revenue

$2,684

$2,709

Operating margin4

24.5 %

24.7 %

EPS

$7.33

$7.38

Non-GAAP5

Adjusted revenue

$2,659

$2,684

Adjusted operating margin

24.1 %

24.3 %

, /PRNewswire/ -- Jack Henry & Associates, Inc. (Nasdaq: JKHY), a leading financial technology provider, today announced results for fiscal fourth quarter and fiscal full year ended June 30, 2026.

Key Call-Outs

Key Performance Indicators

Jack Henry & Associates, Inc. Reports Fourth Quarter and Full Year Fiscal 2026 Results 1 See tables below on page 4 reconciling non-GAAP financial measures to GAAP.

2See table below on page 14 reconciling net income to non-GAAP EBITDA.

3 The full fiscal year guidance assumes no acquisitions or dispositions will be made during fiscal year 2027.

4Operating margin is calculated by dividing operating income by revenue.

5See tables below on page 9 reconciling fiscal year 2027 GAAP to non-GAAP guidance.

According to Greg Adelson, President and CEO, "We are extremely pleased to report record sales and financial results for fiscal 2026. We delivered a record 58 competitive core wins for the year, including 14 institutions with more than $1 billion in assets, and both fourth-quarter and full-year non-GAAP revenue reached new highs. Technology spending remains strong, which is reflected in our robust sales pipeline as we continue to provide innovative solutions and expand the use of artificial intelligence to help banks and credit unions win in the markets they serve. As we enter fiscal 2027, we are well positioned to continue driving consistent revenue growth, margin expansion, and long-term value through our unwavering focus on culture, service, innovation, strategy, and execution."

Operating Results

Revenue, operating expenses, operating income, and net income for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, were as follows:

Revenue

(Unaudited, dollars in thousands)

Three Months Ended

June 30,

%
Change

Year Ended

June 30,

%
Change

2026

2025

2026

2025

Revenue

Services and Support

$   360,195

$     351,239

2.5 %

$ 1,448,003

$    1,361,737

6.3 %

Percentage of Total Revenue

55.9 %

57.1 %

56.9 %

57.3 %

Processing

283,828

264,133

7.5 %

1,096,336

1,013,551

8.2 %

Percentage of Total Revenue

44.1 %

42.9 %

43.1 %

42.7 %

REVENUE

$   644,023

$     615,372

4.7 %

$ 2,544,339

$    2,375,288

7.1 %

Services and support revenue increased for the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 7.4% and higher license and hardware revenue by 27.3% and increased education, royalty, and other revenues by 38.6% partially offset by a decrease in deconversion revenue of $11,168. Processing revenue increased for the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, mainly driven by growth in card revenue of 5.4% from monthly service and risk management fees, improvement in Jack Henry digital and transaction revenue of 8.6% from a higher number of active users on our digital platform,  and a rise in faster payments revenue of 47.0%. Services and support revenue increased for the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, primarily driven by growth in data processing and hosting revenue within private and public cloud revenue of 8.5%, higher consulting, work orders and release fees revenue by 13.0%, a rise in implementation revenue by 14.1%, and increased license and hardware revenue by 19.5% partially offset by the decrease in software usage revenue (mainly due to a contract change in the prior fiscal year) by 26.2%. Processing revenue increased for the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, mainly driven by growth in card revenue of 6.0% from monthly service and risk management fees, improvement in Jack Henry digital and transaction revenue of 11.6% from a higher number of active users on our digital platform, and a rise in faster payments revenue of 49.5%. For the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, core segment revenue increased 1.9%, payments segment revenue increased 4.9%, complementary segment revenue increased 4.7%, and corporate services segment revenue increased 30.4%. For the fiscal three months ended June 30, 2026, compared to the fiscal three months ended June 30, 2025, core segment non-GAAP adjusted revenue increased 6.0%, payments segment non-GAAP adjusted revenue increased 6.1%, complementary segment non-GAAP adjusted revenue increased 5.6%, and corporate services non-GAAP adjusted segment revenue increased 31.3%. Total non-GAAP adjusted revenue increased 6.6% for the same comparative periods (see revenue lines of segment break-out tables on pages 5 and 6 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue). For the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, core segment revenue increased 4.8%, payments segment revenue increased 7.2%, complementary segment revenue increased 8.3%, and corporate services segment revenue increased 18.3%. For the fiscal year ended June 30, 2026, compared to the fiscal year ended June 30, 2025, core segment non-GAAP adjusted revenue increased 7.1%, payments segment non-GAAP adjusted revenue increased 6.4%, complementary segment non-GAAP adjusted revenue increased 7.7%, and corporate services non-GAAP adjusted segment revenue increased 18.3%. Total non-GAAP adjusted revenue increased 7.3% for the same comparative periods (see revenue lines of segment break-out tables on pages 7 and 8 below for a reconciliation of GAAP segment revenue to non-GAAP adjusted segment revenue). Operating Expenses and Operating Income

(Unaudited, dollars in thousands)

Three Months Ended

June 30,

%
Change

Year Ended

June 30,

%
Change

2026

2025

2026

2025

Cost of Revenue

$   370,175

$   343,879

7.6 %

$ 1,433,651

$  1,360,747

5.4 %

Percentage of Total Revenue6

57.5 %

55.9 %

56.3 %

57.3 %

Research and Development

49,830

42,580

17.0 %

176,445

162,771

8.4 %

Percentage of Total Revenue6

7.7 %

6.9 %

6.9 %

6.9 %

Selling, General, and Administrative

87,245

73,216

19.2 %

299,210

283,055

5.7 %

Percentage of Total Revenue6

13.5 %

11.9 %

11.8 %

11.9 %

OPERATING EXPENSES

507,250

459,675

10.3 %

1,909,306

1,806,573

5.7 %

OPERATING INCOME

$   136,773

$    155,697

(12.2) %

$    635,033

$    568,715

11.7 %

Operating Margin6

21.2 %

25.3 %

25.0 %

23.9 %

Cost of revenue increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, primarily due to higher personnel costs, including compensation and benefit costs, partially related to trailing twelve month headcount growth, higher direct costs generally consistent with increases in related lines of revenue, as well as higher amortization of capitalized software and increased internal licenses and fees. Research and development expense increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, primarily due to higher personnel costs (net of capitalization), including compensation and benefit costs, partially related to trailing twelve month headcount growth. Selling, general, and administrative expense increased for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, mainly due to higher personnel costs, including increased medical costs from second-half normalization trends and higher compensation tied to trailing twelve month headcount growth. Net Income

(Unaudited, in thousands,

except per share data)

Three Months Ended

June 30,

%
Change

Year Ended

June 30,

%
Change

2026

2025

2026

2025

Income Before Income Taxes

$      139,738

$      159,949

(12.6) %

$     652,790

$     586,036

11.4 %

Provision for Income Taxes

28,510

32,345

(11.9) %

150,014

130,288

15.1 %

NET INCOME

$       111,228

$      127,604

(12.8) %

$     502,776

$     455,748

10.3 %

Diluted earnings per share

$             1.57

$            1.75

(10.2) %

$           6.98

$           6.24

11.9 %

Effective tax rates for the fiscal three months and fiscal year ended June 30, 2026, were 20.4% and 23.0% respectively, and for the fiscal three months and fiscal year ended June 30, 2025 were 20.2% and 22.2%, respectively. According to Mimi Carsley, CFO and Treasurer, "Our full year performance delivered record revenues, substantial margin expansion, and robust free cash flow, yielding value—culminating in an outstanding ROIC of 23.2% that reflects the underlying strength of our business model. Looking ahead to full-year 2027, our non-GAAP revenue growth should remain consistent, but margin comparisons will be impacted by tough comparisons from the first half of last year. Overall, we expect another strong performance in fiscal 2027."

6Operating margin is calculated by dividing operating income by revenue. Operating margin plus operating expense components as a percentage of total revenue may not equal 100% due to rounding.

Impact of Non-GAAP Adjustments

The tables below show our revenue, operating income, and net income for the fiscal three months and fiscal year ended June 30, 2026, compared to the fiscal three months and fiscal year ended June 30, 2025, excluding the impacts of deconversions in the fiscal quarter and fiscal year ended June 30, 2026, and June 30, 2025, the impact in the current fiscal quarter and fiscal year of an acquisition made during the current fiscal year, the gain on assets, net, in the current fiscal year, and the impact of a contract change in the prior fiscal quarter and fiscal year.

(Unaudited, dollars in thousands)

Three Months Ended June 30,

%
Change

Year Ended June 30,

%
Change

2026

2025

2026

2025

GAAP Revenue*

$    644,023

$    615,372

4.7 %

$               2,544,339

$              2,375,288

7.1 %

Adjustments:

Deconversion revenue

(9,327)

(20,495)

(42,830)

(33,905)

Revenue related to a contract change

—

(1,202)

—

(15,874)

Revenue from the acquisition

(1,598)

—

(5,193)

—

NON-GAAP ADJUSTED REVENUE*

$    633,098

$    593,675

6.6 %

$               2,496,316

$               2,325,509

7.3 %

GAAP Operating Income

$     136,773

$    155,697

(12.2) %

$ 635,033

$  568,715

11.7 %

Adjustments:

Operating income from deconversions

(4,616)

(17,938)

(29,953)

(27,663)

Operating income related to a contract change

—

(180)

—

(2,358)

Gain on assets, net

—

—

(6,829)

—

Operating loss from the acquisition

1,141

—

2,959

—

NON-GAAP ADJUSTED OPERATING INCOME

$     133,298

$     137,579

(3.1) %

$   601,210

$ 538,694

11.6 %

Non-GAAP Adjusted Operating Margin**

21.1 %

23.2 %

24.1 %

23.2 %

GAAP Net Income

$      111,228

$     127,604

(12.8) %

$   502,776

$ 455,748

10.3 %

Adjustments:

Net income from deconversions

(4,616)

(17,938)

(29,953)

(27,663)

Net income related to a contract change

—

(180)

—

(2,358)

Gain on assets, net

—

—

(6,829)

—

Net loss from the acquisition

1,141

—

2,959

—

Tax impact of adjustments***

834

4,348

8,118

7,205

NON-GAAP ADJUSTED NET INCOME

$     108,587

$     113,834

(4.6) %

$   477,071

$  432,932

10.2 %

*GAAP revenue is comprised of services and support and processing revenues (see page 2). Services and support revenue less deconversion revenue for the fiscal three months ended June 30, 2026, and 2025, which was $9,327 for the current fiscal year quarter and $20,495 for the prior fiscal year quarter, and reducing the fiscal three months ended June 30, 2025, amount also for revenue related to a contractual change of $1,202, results in non-GAAP adjusted services and support revenue growth of 6.5% quarter over quarter. Processing revenue less revenue from the acquisition for the fiscal three months ended June 30, 2026, of $1,598, results in non-GAAP adjusted processing revenue growth of 6.9% quarter over quarter.

Services and support revenue less deconversion revenue for the fiscal year ended June 30, 2026, and 2025 which was $42,830 for the current fiscal year and $33,905 for the prior fiscal year, and reducing the fiscal year ended June 30, 2025, amount also for revenue related to a contractual change of $15,874, results in non-GAAP adjusted services and support revenue growth of 7.1% year over year. Processing revenue less revenue from the acquisition for the fiscal year ended June 30, 2026, of $5,193, results in non-GAAP adjusted processing revenue growth of 7.7% year over year.

**Non-GAAP adjusted operating margin is calculated by dividing non-GAAP adjusted operating income by non-GAAP adjusted revenue.

***The tax impact of adjustments is calculated using a tax rate of 24% for the fiscal three months and fiscal year ended June 30, 2026, and 2025. The tax rate for non-GAAP adjustment items takes a broad look at the Company's recurring tax adjustments and applies them to non-GAAP revenue that does not have its own specific tax impacts.

The tables below show the segment break-out of revenue and cost of revenue for each period presented, as adjusted for the items above, and include a reconciliation to non-GAAP adjusted operating income presented above.

Three Months Ended June 30, 2026

(Unaudited, dollars in thousands)

Core

Payments

Complementary

Corporate
Services

Total

GAAP REVENUE

$   191,611

$   240,419

$          188,800

$    23,193

$           644,023

Non-GAAP adjustments*

(2,830)

(4,454)

(3,588)

(53)

(10,925)

NON-GAAP ADJUSTED REVENUE

188,781

235,965

185,212

23,140

633,098

GAAP COST OF REVENUE

75,756

121,233

73,009

100,177

370,175

Non-GAAP adjustments*

(1,450)

(2,295)

(1,040)

(129)

(4,914)

NON-GAAP ADJUSTED COST OF REVENUE

74,306

118,938

71,969

100,048

365,261

GAAP SEGMENT INCOME

$   115,855

$   119,186

$           115,791

$   (76,984)

Segment Income Margin**

60.5 %

49.6 %

61.3 %

(331.9) %

NON-GAAP ADJUSTED SEGMENT INCOME

$   114,475

$   117,027

$           113,243

$   (76,908)

Non-GAAP Adjusted Segment Income Margin**

60.6 %

49.6 %

61.1 %

(332.4) %

Research and Development

49,830

Selling, General, and Administrative

87,245

Non-GAAP adjustments unassigned to a segment***

(2,536)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES

499,800

NON-GAAP ADJUSTED OPERATING INCOME

$ 133,298

*Revenue non-GAAP adjustments for the Payments segment were ($1,598) of acquisition revenue and ($2,856) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($1,991) of acquisition costs and ($304) of deconversion costs. Cost of revenue non-GAAP adjustments for the Corporate Services segment were ($118) of acquisition costs and ($11) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.

**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.

***Non-GAAP adjustments unassigned to a segment were deconversion costs of $1,906, research and development costs related to the acquisition of $590, and selling, general, and administrative costs related to the acquisition of $40.

Three Months Ended June 30, 2025

(Unaudited, dollars in thousands)

Core

Payments

Complementary

Corporate
Services

Total

GAAP REVENUE

$ 187,976

$  229,292

$           180,317

$    17,787

$   615,372

Non-GAAP adjustments*

(9,863)

(6,818)

(4,852)

(164)

(21,697)

NON-GAAP ADJUSTED REVENUE

178,113

222,474

175,465

17,623

593,675

GAAP COST OF REVENUE

69,389

116,128

68,894

89,468

343,879

Non-GAAP adjustments*

(1,753)

(109)

(440)

(9)

(2,311)

NON-GAAP ADJUSTED COST OF REVENUE

67,636

116,019

68,454

89,459

341,568

GAAP SEGMENT INCOME

$  118,587

$   113,164

$           111,423

$   (71,681)

Segment Income Margin**

63.1 %

49.4 %

61.8 %

(403.0) %

NON-GAAP ADJUSTED SEGMENT INCOME

$  110,477

$  106,455

$           107,011

$   (71,836)

Non-GAAP Adjusted Segment Income Margin

62.0 %

47.9 %

61.0 %

(407.6) %

Research and Development

42,580

Selling, General, and Administrative

73,216

Non-GAAP adjustments unassigned to a segment***

(1,268)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES

456,096

NON-GAAP ADJUSTED OPERATING INCOME

$   137,579

*Revenue non-GAAP adjustments for the Core segment were ($1,202) of revenue related to the contractual change and ($8,661) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($1,022) and ($731) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.

**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.

***Non-GAAP adjustments unassigned to a segment were deconversion costs.

Year Ended June 30, 2026

(Unaudited, dollars in thousands)

Core

Payments

Complementary

Corporate
Services

Total

GAAP REVENUE

$ 768,452

$ 936,006

$         752,214

$    87,667

$             2,544,339

Non-GAAP adjustments*

(16,605)

(18,853)

(12,219)

(346)

(48,023)

NON-GAAP ADJUSTED REVENUE

751,847

917,153

739,995

87,321

2,496,316

GAAP COST OF REVENUE

304,886

479,539

286,726

362,500

1,433,651

Non-GAAP adjustments*

(4,566)

(6,571)

(2,119)

(389)

(13,645)

NON-GAAP ADJUSTED COST OF REVENUE

300,320

472,968

284,607

362,111

1,420,006

GAAP SEGMENT INCOME

$ 463,566

$ 456,467

$        465,488

$ (274,833)

Segment Income Margin**

60.3 %

48.8 %

61.9 %

(313.5) %

NON-GAAP ADJUSTED SEGMENT INCOME

$ 451,527

$ 444,185

$         455,388

$ (274,790)

Non-GAAP Adjusted Segment Income Margin

60.1 %

48.4 %

61.5 %

(314.7) %

Research and Development

176,445

Selling, General, and Administrative

299,210

Non-GAAP adjustments unassigned to a segment***

(555)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES

1,895,106

NON-GAAP ADJUSTED OPERATING INCOME

$   601,210

*Revenue non-GAAP adjustments for the Payments segment were ($5,193) of acquisition revenue and ($13,660) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Payments segment were ($5,854) of acquisition costs and ($717) of deconversion costs. Cost of revenue non-GAAP adjustments for the Corporate Services segment were ($371) of acquisition costs and ($18) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.

**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.

***Non-GAAP adjustments unassigned to a segment were a gain on assets, net, of $6,829 less deconversion costs of $5,457, research and development costs related to the acquisition of $1,803, and selling, general, and administrative costs related to the acquisition of $124.

Year Ended June 30, 2025

(Unaudited, dollars in thousands)

Core

Payments

Complementary

Corporate
Services

Total

GAAP REVENUE

$ 732,924

$ 873,498

$          694,771

$    74,095

$            2,375,288

Non-GAAP adjustments*

(30,639)

(11,159)

(7,709)

(272)

(49,779)

NON-GAAP ADJUSTED REVENUE

702,285

862,339

687,062

73,823

2,325,509

GAAP COST OF REVENUE

295,239

460,151

269,657

335,700

1,360,747

Non-GAAP adjustments*

(15,612)

(288)

(1,119)

(14)

(17,033)

NON-GAAP ADJUSTED COST OF REVENUE

279,627

459,863

268,538

335,686

1,343,714

GAAP SEGMENT INCOME

$ 437,685

$ 413,347

$          425,114

$ (261,605)

Segment Income Margin**

59.7 %

47.3 %

61.2 %

(353.1) %

NON-GAAP ADJUSTED SEGMENT INCOME

$ 422,658

$ 402,476

$          418,524

$ (261,863)

Non-GAAP Adjusted Segment Income Margin

60.2 %

46.7 %

60.9 %

(354.7) %

Research and Development

162,771

Selling, General, and Administrative

283,055

Non-GAAP adjustments unassigned to a segment***

(2,725)

NON-GAAP TOTAL ADJUSTED OPERATING EXPENSES

1,786,815

NON-GAAP ADJUSTED OPERATING INCOME

$ 538,694

*Revenue non-GAAP adjustments for the Core segment were ($15,874) of revenue related to the contractual change and ($14,765) of deconversion revenue. Revenue non-GAAP adjustments for the remainder of the segments were deconversion revenue. Cost of revenue non-GAAP adjustments for the Core segment were cost of revenue related to a contractual change of ($13,516) and ($2,096) of deconversion costs. Cost of revenue non-GAAP adjustments for the remainder of the segments were deconversion costs.

**Segment income margin is calculated by dividing segment income by revenue for each segment. Non-GAAP adjusted segment income margin is calculated by dividing non-GAAP adjusted segment income by non-GAAP adjusted revenue for each segment.

***Non-GAAP adjustments unassigned to a segment were deconversion costs.

The table below shows our GAAP to non-GAAP guidance for the fiscal year ending June 30, 2027. Fiscal year 2027 non-GAAP guidance excludes the impacts of deconversion revenue and related operating expenses, acquisition revenues and related operating expenses, the revenues and operating expenses related to a contractual change, and the gain on assets, net, and assumes no additional acquisitions or dispositions will be made during the fiscal year.

GAAP to Non-GAAP GUIDANCE (Dollars in
millions, except per share data)

Annual FY'27

Adjusted for
FY'27
Comparison

Reported

Change
(Acquisition)

Low

High

FY26

FY26

FY26

GAAP REVENUE

$ 2,684

$ 2,709

$      2,544

$   2,544

$             —

     Growth

5.5 %

6.5 %

Deconversions*

23

23

43

43

—

Acquisition

2

2

—

5

(5)

NON-GAAP ADJUSTED REVENUE**

$ 2,659

$ 2,684

$      2,502

$   2,496

$              5

     Non-GAAP Adjusted Growth

6.3 %

7.3 %

GAAP OPERATING EXPENSES

$ 2,025

$ 2,039

$       1,909

$   1,909

$             —

     Growth

6.1 %

6.8 %

Deconversion costs*

5

5

13

13

—

Acquisition costs

3

3

—

8

(8)

Gain on assets, net

—

—

(7)

(7)

—

NON-GAAP ADJUSTED OPERATING EXPENSES**

$ 2,018

$ 2,031

$       1,903

$   1,895

$              8

     Non-GAAP Adjusted Growth

6.0 %

6.7 %

GAAP OPERATING INCOME

$   658

$    670

$        635

$     635

$             —

     Growth

3.7 %

5.5 %

GAAP OPERATING MARGIN

24.5 %

24.7 %

25.0 %

25.0 %

NON-GAAP ADJUSTED OPERATING INCOME**

$   641

$    653

$        598

$     601

$             (3)

     Non-GAAP Adjusted Growth

7.2 %

9.1 %

NON-GAAP ADJUSTED OPERATING MARGIN

24.1 %

24.3 %

23.9 %

24.1 %

GAAP EPS

$   7.33

$   7.38

$        6.98

$    6.98

$             —

     Growth

5.0 %

5.7 %

*Deconversion revenue and related operating expenses for fiscal year 2027 are based on the lowest actual recent historical results. See the Company's Form 8-K filed with the Securities and Exchange Commission on August 3, 2023.

**GAAP to Non-GAAP revenue, operating expenses, and operating income may not foot due to rounding.

Balance Sheet and Cash Flow Review

Cash and cash equivalents were $12 million at June 30, 2026, compared to $102 million at June 30, 2025. Trade receivables were $349 million at June 30, 2026, and $318 million at June 30, 2025.  The Company had $40 million of borrowings at June 30, 2026, compared to $0 of borrowings at June 30, 2025. Deferred revenue was $372 million at June 30, 2026, compared to $363 million at June 30, 2025. Stockholders' equity decreased to $2,052 million at June 30, 2026, compared to $2,131 million at June 30, 2025. *See table below for Net Cash Provided by Operating Activities and on page 14 for Return on Average Stockholders' Equity. Tables reconciling the non-GAAP measures Free Cash Flow and Net Operating Profit After Tax Return on Invested Capital (NOPAT ROIC) to GAAP measures are on pages 14 and 15. See the Use of Non-GAAP Financial Information section below for the definitions of Free Cash Flow and NOPAT ROIC.

The following table summarizes net cash from operating activities:

(Unaudited, in thousands)

Year Ended June 30,

2026

2025

Net income

$              502,776

$              455,748

Depreciation

42,103

43,700

Amortization

171,138

161,051

Change in deferred income taxes

126,032

(3,496)

Other non-cash expenses

35,023

30,358

Change in receivables

(29,268)

15,056

Change in deferred revenue

9,099

(25,559)

Change in other assets and liabilities*

(94,943)

(35,354)

NET CASH FROM OPERATING ACTIVITIES

$              761,960

$               641,504

*For the fiscal year ended June 30, 2026, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(85,512), income taxes of $(14,322), and the change in accounts payable of $(1,431) partially offset by the change in accrued expenses of $6,322. For the fiscal year ended June 30, 2025, the change in other assets and liabilities includes the change in prepaid expenses, deferred costs and other of $(50,933) and the change in accrued expenses of $(3,115) partially offset by the change in income taxes of $16,048 and the change in accounts payable of $2,646.

The following table summarizes net cash from investing activities:

(Unaudited, in thousands)

Year Ended June 30,

2026

2025

Payment for acquisitions

$              (42,390)

$                        —

Capital expenditures

(67,103)

(53,358)

Proceeds from sale of assets

32,827

3

Purchased software

(4,108)

(5,363)

Computer software developed

(184,243)

(172,445)

Purchase of investments

(13,721)

(2,000)

Proceeds from investments

1,000

1,000

NET CASH FROM INVESTING ACTIVITIES

$             (277,738)

$              (232,163)

The following table summarizes net cash from financing activities:

(Unaudited, in thousands)

Year Ended June 30,

2026

2025

Borrowings on credit facilities

$             480,000

$            350,000

Repayments on credit facilities

(440,000)

(500,000)

Purchase of treasury stock

(448,173)

(35,051)

Dividends paid

(170,405)

(164,644)

Net cash from issuance of stock and tax related to stock-based
compensation

4,459

4,023

NET CASH FROM FINANCING ACTIVITIES

$            (574,119)

$           (345,672)

Use of Non-GAAP Financial Information

Generally Accepted Accounting Principles (GAAP) is the term used to refer to the standard framework of guidelines for financial accounting in the United States. GAAP includes the standards, conventions, and rules accountants follow in recording and summarizing transactions in the preparation of financial statements. In addition to reporting financial results in accordance with GAAP, we have provided certain non-GAAP financial measures, including adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted segment income, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, adjusted operating margin, adjusted segment income margin, non-GAAP earnings before interest, taxes, depreciation, and amortization (non-GAAP EBITDA), free cash flow, net operating profit after tax return on invested capital (NOPAT ROIC), and non-GAAP adjusted net income.

We believe non-GAAP financial measures help investors better understand the underlying fundamentals and true operations of our business. Adjusted revenue, adjusted segment revenue, adjusted operating income, adjusted operating margin, adjusted segment income, adjusted segment income margin, adjusted cost of revenue, adjusted segment cost of revenue, adjusted operating expenses, and adjusted net income eliminate deconversion revenue and associated costs, the gain on assets, net, an acquisition, and a contractual change, which management believes are not indicative of the Company's operating performance. Such adjustments give investors further insight into our performance. Non-GAAP EBITDA is defined as net income attributable to the Company before the effect of interest income, net, taxes, depreciation, and amortization, adjusted for net income before the effect of interest income, net, taxes, depreciation, and amortization attributable to eliminated deconversions, the gain on assets, net, an acquisition, and a contractual change. Free cash flow is defined as net cash from operating activities, less capitalized expenditures, internal use software, and capitalized software, plus proceeds from the sale of assets. NOPAT ROIC is defined as operating income for the trailing four quarters multiplied by one minus the average effective tax rate (ETR) for the trailing four quarters, with the result divided by average invested capital (average of the beginning and ending period balances). Management believes that non-GAAP EBITDA is an important measure of the Company's overall operating performance and excludes certain costs and other transactions that management deems one time or non-operational in nature; free cash flow is useful to measure the funds generated in a given period that are available for debt service requirements and strategic capital decisions; and NOPAT ROIC is a measure of the Company's allocation efficiency and effectiveness of its invested capital. For these reasons, management also uses these non-GAAP financial measures in its assessment and management of the Company's performance.

Non-GAAP financial measures used by the Company may not be comparable to similarly titled non-GAAP measures used by other companies. Non-GAAP financial measures have no standardized meaning prescribed by GAAP and therefore, are unlikely to be comparable with calculations of similar measures for other companies.

Any non-GAAP financial measures should be considered in context with the GAAP financial presentation and should not be considered in isolation or as a substitute for GAAP measures. Reconciliations of the non-GAAP financial measures to related GAAP measures are included.

About Jack Henry & Associates, Inc.®

Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity — offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower over 7,200 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.

Quarterly Conference Call

The Company will hold a conference call on August 19, 2026, at 7:45 a.m. Central Time, and investors are invited to listen at www.jackhenry.com. A webcast replay will be available approximately one hour after the event at ir.jackhenry.com/corporate-events-and-presentations and will remain available for one year.

Statements made in this news release that are not historical facts are "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading Risk Factors. Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

Consolidated Statements of Income (Unaudited)

(Dollars in thousands, except per share data)

Three Months Ended June 30,

%
Change

Year Ended June 30,

%
Change

2026

2025

2026

2025

REVENUE

$        644,023

$        615,372

4.7 %

$   2,544,339

$    2,375,288

7.1 %

Cost of Revenue

370,175

343,879

7.6 %

1,433,651

1,360,747

5.4 %

Research and Development

49,830

42,580

17.0 %

176,445

162,771

8.4 %

Selling, General, and Administrative

87,245

73,216

19.2 %

299,210

283,055

5.7 %

EXPENSES

507,250

459,675

10.3 %

1,909,306

1,806,573

5.7 %

OPERATING INCOME

136,773

155,697

(12.2) %

635,033

568,715

11.7 %

Interest income

4,949

6,354

(22.1) %

23,144

27,759

(16.6) %

Interest expense

(1,984)

(2,102)

(5.6) %

(5,387)

(10,438)

(48.4) %

Interest Income, net

2,965

4,252

(30.3) %

17,757

17,321

2.5 %

INCOME BEFORE INCOME TAXES

139,738

159,949

(12.6) %

652,790

586,036

11.4 %

Provision for Income Taxes

28,510

32,345

(11.9) %

150,014

130,288

15.1 %

NET INCOME

$         111,228

$        127,604

(12.8) %

$      502,776

$      455,748

10.3 %

Diluted net income per share

$               1.57

$              1.75

$            6.98

$            6.24

Diluted weighted average shares outstanding

70,872

73,005

72,043

73,045

Consolidated Balance Sheet Highlights (Unaudited)

(In thousands)

June 30,

%
Change

2026

2025

Cash and cash equivalents

$        12,056

$        101,953

(88.2) %

Receivables

349,111

317,977

9.8 %

Total assets

3,145,711

3,043,970

3.3 %

Accounts payable and accrued expenses

$      261,476

$      245,299

6.6 %

Debt

40,000

—

— %

Deferred revenue

372,472

363,374

2.5 %

Stockholders' equity

2,051,949

2,130,832

(3.7) %

Calculation of Non-GAAP Earnings Before Interest Income, Net, Income Taxes, Depreciation and Amortization (Non-GAAP EBITDA)

Three Months Ended June 30,

%
Change

Year Ended June 30,

%
Change

(Dollars in thousands)

2026

2025

2026

2025

Net income

$         111,228

$        127,604

$      502,776

$      455,748

Net interest

(2,965)

(4,252)

(17,757)

(17,321)

Taxes

28,510

32,345

150,013

130,288

Depreciation and amortization

54,541

51,490

213,241

204,751

Less: Net income before interest expense,
taxes, depreciation and amortization attributable to
eliminated one-time adjustments*

(3,954)

(18,118)

(35,244)

(30,021)

NON-GAAP EBITDA

$       187,360

$        189,069

(0.9) %

$      813,029

$      743,445

9.4 %

*The fiscal fourth quarter 2026 and 2025 adjustments for net income before interest expense, taxes, depreciation and amortization were for deconversions of ($4,616)
and an acquisition of $662, and were for deconversions of ($17,938) and a contract change of ($180), respectively. The fiscal year 2026 and 2025 adjustments were for
deconversions of ($29,953), a gain on assets, net, of ($6,829), and an acquisition of $1,538, and were for deconversions of ($27,663) and a contractual change of
($2,358), respectively.

Calculation of Free Cash Flow (Non-GAAP)

Year Ended June 30,

(In thousands)

2026

2025

Net cash from operating activities

$      761,960

$       641,504

Capitalized expenditures

(67,103)

(53,358)

Internal use software

(4,108)

(5,363)

Proceeds from sale of assets

32,827

3

Capitalized software

(184,243)

(172,445)

FREE CASH FLOW

$      539,333

$        410,341

Net income

$      502,776

$      455,748

Operating cash conversion*

151.6 %

140.8 %

Free cash flow conversion (excluding proceeds from sale of assets)*

100.7 %

90.0 %

*Operating cash conversion is net cash from operating activities divided by net income. Free cash flow conversion is free cash flow less proceeds from sale of
assets of $32,827 for fiscal 2026 and $3 for fiscal 2025 divided by net income.

Calculation of the Return on Average Stockholders' Equity

June 30,

(In thousands)

2026

2025

Net income (trailing four quarters)

$      502,776

$      455,748

Average stockholder's equity (period beginning and ending balances)

2,091,391

1,986,598

RETURN ON AVERAGE STOCKHOLDERS' EQUITY

24.0 %

22.9 %

Calculation of NOPAT ROIC (Non-GAAP)

June 30,

(In thousands)

2026

2025

Operating income (trailing four quarters)

$     635,033

$       568,715

Average Effective Tax Rate (trailing four quarters)

22.8 %

22.2 %

NOPAT operating income (trailing four quarters)*

490,245

442,460

Average invested capital (period beginning and ending balances)

2,111,391

2,061,598

NOPAT ROIC

23.2 %

21.5 %

*NOPAT operating income is calculated by multiplying the trailing four quarters operating income by one minus the average ETR. NOPAT ROIC is calculated by dividing NOPAT operating income by average invested capital (period beginning and ending balances).

FAQ for Analysts / Investors

1. Why does fiscal 2025 non-GAAP revenue used for growth calculation not match reported fiscal 2025 non-GAAP revenue?

The restructuring of a third-party agreement resulted in a $16 million fiscal year-over-year revenue headwind, with $12 million of that in the first quarter and $4 million additional in the second, third, and fourth quarters. This restructuring also resulted in a decrease in the related costs and the impact on margins was minimal. This was adjusted for a consistent fiscal year-over-year comparison. 2.  What will be the impact of the Victor acquisition in fiscal year 2027?

With the one-year anniversary of the acquisition rolling off on September 30, 2026, Victor's ongoing revenue will be fully integrated into Non-GAAP adjusted (organic) revenue starting October 1, 2026. SOURCE Jack Henry & Associates, Inc.

Jack Henry & Associates, Inc. (NASDAQ:JKHY) will release its fourth quarter earnings report after the closing bell on Tuesday, Aug. 18.

Analysts expect the Monett, Missouri-based company to report quarterly earnings of $1.44 per share, down from $1.56 per share in the year-ago period. The consensus estimate for Jack Henry’s quarterly revenue is $631.44 million. It reported $615.37 million last year, according to Benzinga Pro.

On Aug. 11, Jack Henry & Associates reported fourth-quarter deconversion revenue of $9.3 million.

Shares of Jack Henry fell 2.2% to close at $149.87 on Monday.

Benzinga readers can access the latest analyst ratings on the Analyst Stock Ratings page. Readers can sort by stock ticker, company name, analyst firm, rating change or other variables.

Let’s have a look at how Benzinga’s most-accurate analysts have rated the company in the recent period.

Stephens & Co. analyst Brett Huff reinstated an Overweight rating with a price target of $200 on Aug. 11, 2026. This analyst has an accuracy rate of 63%. RBC Capital analyst Daniel R. Perlin maintained an Outperform rating and cut the price target from $180 to $173 on June 18, 2026. This analyst has an accuracy rate of 54%. DA Davidson analyst Peter Heckmann maintained a Buy rating with a price target of $198 on May 13, 2026. This analyst has an accuracy rate of 68%. Goldman Sachs analyst Will Nance maintained a Neutral rating and cut the price target from $181 to $160 on May 7, 2026. This analyst has an accuracy rate of 59%. Loop Capital analyst Dominick Gabriele initiated coverage on the stock with a Buy rating and a price target of $197 on March 31, 2026. This analyst has an accuracy rate of 63%. Latest Private Market Opportunities

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Looking for a stock that has been consistently beating earnings estimates and might be well positioned to keep the streak alive in its next quarterly report? Jack Henry (JKHY - Free Report) , which belongs to the Zacks Computers - IT Services industry, could be a great candidate to consider.

When looking at the last two reports, this payment processsing company has recorded a strong streak of surpassing earnings estimates. The company has topped estimates by 19.93%, on average, in the last two quarters.

For the most recent quarter, Jack Henry was expected to post earnings of $1.43 per share, but it reported $1.71 per share instead, representing a surprise of 19.58%. For the previous quarter, the consensus estimate was $1.43 per share, while it actually produced $1.72 per share, a surprise of 20.28%.

Price and EPS Surprise

For Jack Henry, estimates have been trending higher, thanks in part to this earnings surprise history. And when you look at the stock's positive Zacks Earnings ESP (Expected Surprise Prediction), it's a great indicator of a future earnings beat, especially when combined with its solid Zacks Rank.

Our research shows that stocks with the combination of a positive Earnings ESP and a Zacks Rank #3 (Hold) or better produce a positive surprise nearly 70% of the time. In other words, if you have 10 stocks with this combination, the number of stocks that beat the consensus estimate could be as high as seven.

The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a version of the Zacks Consensus whose definition is related to change. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.

Jack Henry has an Earnings ESP of +2.78% at the moment, suggesting that analysts have grown bullish on its near-term earnings potential. When you combine this positive Earnings ESP with the stock's Zacks Rank #3 (Hold), it shows that another beat is possibly around the corner. The company's next earnings report is expected to be released on August 18, 2026.

With the Earnings ESP metric, it's important to note that a negative value reduces its predictive power; however, a negative Earnings ESP does not indicate an earnings miss.

Many companies end up beating the consensus EPS estimate, though this is not the only reason why their shares gain. Additionally, some stocks may remain stable even if they end up missing the consensus estimate.

Because of this, it's really important to check a company's Earnings ESP ahead of its quarterly release to increase the odds of success. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.

Bank of America Corp DE cut its holdings in Jack Henry and Associates, Inc. (NASDAQ: JKHY) by 14.6% in the first quarter, according to the company in its most recent disclosure with the SEC. The institutional investor owned 243,931 shares of the technology company's stock after selling 41,659 shares during the quarter. Bank

, /PRNewswire/ -- Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that deconversion revenue for the fiscal fourth quarter, ended June 30, 2026, was $9.3 million. Including these quarterly results, the deconversion revenue total for fiscal year 2026 is $42.8 million. For more information about how guidance is developed for deconversion revenue estimates, please see Jack Henry's Current Report on Form 8-K filed with the Securities and Exchange Commission on Aug. 3, 2023.

The majority of deconversion revenue is generated when one of Jack Henry's clients agrees to be acquired by another financial institution, resulting in the termination of the client's contract with Jack Henry. In these circumstances, Jack Henry's recognition of deconversion revenue is driven by factors outside Jack Henry's control, and this revenue does not represent the true operations of Jack Henry's ongoing business of providing services to clients. As a result, Jack Henry excludes deconversion revenue from non-GAAP revenue reported in its quarterly and annual earnings releases.

About Jack Henry & Associates, Inc.®  
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com.

SOURCE Jack Henry & Associates, Inc.

, /PRNewswire/ -- Jack Henry & Associates, Inc.® (Nasdaq: JKHY) announced today that it will host a live webcast of its fourth quarter and full-year fiscal 2026 earnings conference call on August 19, 2026. The press release announcing fourth quarter and year-end fiscal 2026 earnings will be issued after market close on August 18, 2026.

The live webcast, which will begin at 7:45 a.m. Central (8:45 a.m. Eastern), can be accessed on the Jack Henry Web site at jackhenry.com. Please log on 10 minutes prior to the beginning of the call. The earnings call US dial-in number is (833) 630-0605, while international participants dial +1 412-317-1830. Participants will request to join the Jack Henry & Associates call. An archived replay of the quarterly earnings call will be available on jackhenry.com approximately one hour after the live call, or you can dial (855) 669-9658 and use replay access code "8041677" to listen to the replay.

In addition, the company will release quarterly deconversion revenue results prior to the release of the quarterly earnings results. The press release announcing deconversion revenue will be issued after market close on Tuesday, August 11, 2026.

About Jack Henry & Associates, Inc.®
Jack Henry™ (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.

SOURCE Jack Henry & Associates, Inc.

Newly recapitalized Louisiana bank lays the technology foundation to meet the need for community bank access across the Gulf South

, /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that MCBANK has selected Jack Henry to support its long-term growth strategy, build its commercial banking capabilities, and deliver modern banking experiences as it expands across the Gulf South.

Founded in 1955 and headquartered in Morgan City, Louisiana, MCBANK entered a new chapter earlier this year following the merger of its holding company, MC Bancshares, with DMMS Purchaser, an investor group led by former IBERIABANK executives. Backed by more than $225 million in new capital, the bank is executing an ambitious growth strategy to build a regional commercial and private bank through a combination of organic growth and strategic acquisitions.

To support this vision, MCBANK selected Jack Henry's modern core processing platform and a comprehensive suite of technology solutions, including the following:

The Banno Digital Platform™ will provide a seamless digital banking experience for commercial and retail clients. Jack Henry's treasury management solutions will enable the bank to meet the needs of commercial clients of all sizes, from growing businesses to sophisticated commercial organizations. Jack Henry™ Managed Secure Cloud acts as an extension of the bank's technology team, supplying the managed IT and cybersecurity expertise needed to support the bank as it scales. "We're building a powerful alignment of talent, experience, and vision to fill the gap in this market for relationship-oriented banking," said Daryl Byrd, Chief Executive Officer of MC Bancshares. "Our technology plan is crucial to success, and our leadership has the experience working with Jack Henry to know that they are the right choice. We experienced firsthand how its solutions and people supported us through years of rapid growth and numerous acquisitions. Coming back, we were impressed by how the technology has evolved, while the level of service has remained the same. It's just what we need to grow MCBANK into a the regional leader of relationship banking."

Jack Henry's long-term technology plans also factored into MCBANK's decision. "We were impressed by Jack Henry's public cloud-native strategy," Byrd added. "It's a progressive approach that allows us to continually modernize with minimal disruption. We're excited about where the platform is headed."

"MCBANK has assembled a leadership team with a proven track record of changing the expectations of banking in their region," said Jonathan Baltzell, President of Bank Solutions at Jack Henry. "They have a clear vision for the future that they expect to scale quickly, and that vision requires technology that is competitive and can evolve with them. We're proud to provide the capabilities they need to grow, innovate, and deliver exceptional experiences for their clients."

About Jack Henry & Associates, Inc.®
Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com. 

SOURCE Jack Henry & Associates, Inc.

Jack Henry stood out as one of the top companies to meet employee needs

, /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) has been recognized as one of the 2026 – 2027 Best Companies to Work For by U.S. News & World Report. This is the third consecutive year Jack Henry has earned this distinguished honor, reflecting the company's ongoing commitment to creating a supportive workplace and delivering a meaningful experience to its associates.

"We're honored to be recognized by U.S. News & World Report as a Best Company to Work For," said Jack Henry President and CEO Greg Adelson. "For 50 years, we've worked to create a culture where associates feel they belong, are supported in their growth, and are proud of the impact they make. We know our success as a company is directly tied to the success of our employees, which is why we remain committed to doing right by our people. This recognition is a testament to the culture we've built together and to the associates whose talent, dedication, and passion continue to drive Jack Henry forward."

To determine the 2026 – 2027 Best Companies to Work For, U.S. News and World Report analyzed a variety of factors, including quality of pay and benefits, work-life balance and flexibility, job and company stability, physical and psychological comfort, belongingness and esteem, and career opportunities and professional development.

"The 2026-2027 job market is rapidly shifting the way employers, employees, and job seekers think about work, and subsequently, workplace culture," said U.S. News Vice President of Careers Carly Chase. "The list spotlights companies that scored high on multiple metrics that promote a positive work environment and everyday employee experience."

U.S. News considered private companies that have at least 1,000 employees and more than $500 million in annual revenue, as defined by ZoomInfo, and the 5,000 largest publicly traded companies by market cap. All companies considered were required to have at least 75 Glassdoor reviews written between 2021-2025.

About Jack Henry & Associates, Inc.®

Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.

About U.S. News & World Report

U.S. News & World Report is the global leader for journalism that empowers consumers, citizens, business leaders and policy officials to make confident decisions in all aspects of their lives and communities. A multifaceted media company, U.S. News provides unbiased rankings, independent reporting and analysis, and consumer advice to millions of people on USNews.com each month. A pillar in Washington for more than 90 years, U.S. News is the trusted home for in-depth and exclusive insights on education, health, politics, the economy, insurance, personal finance, travel, automobiles, real estate, careers and consumer products and services.

Statements made in this news release that are not historical facts are "forward-looking statements." Because forward-looking statements relate to the future, they are subject to inherent risks and uncertainties that could cause actual results to differ materially from those expressed or implied by such statements. Such risks and uncertainties include, but are not limited to, those discussed in the Company's Securities and Exchange Commission filings, including the Company's most recent reports on Form 10-K and Form 10-Q, particularly under the heading "Risk Factors." Any forward-looking statement made in this news release speaks only as of the date of the news release, and the Company expressly disclaims any obligation to publicly update or revise any forward-looking statement, whether because of new information, future events or otherwise.

SOURCE Jack Henry & Associates, Inc.

Posted by Defense World Staff on Jul 28th, 2026

Caxton Associates LLP bought a new position in Jack Henry & Associates, Inc. (NASDAQ:JKHY – Free Report) during the first quarter, according to the company in its most recent filing with the SEC. The firm bought 4,478 shares of the technology company’s stock, valued at approximately $708,000.

Several other hedge funds have also added to or reduced their stakes in the business. State Street Corp increased its stake in shares of Jack Henry & Associates by 2.4% in the third quarter. State Street Corp now owns 4,103,290 shares of the technology company’s stock worth $611,103,000 after buying an additional 97,140 shares during the period. Invesco Ltd. raised its position in Jack Henry & Associates by 9.5% during the 3rd quarter. Invesco Ltd. now owns 1,800,777 shares of the technology company’s stock valued at $268,190,000 after purchasing an additional 155,616 shares during the last quarter. Wells Fargo & Company MN raised its position in Jack Henry & Associates by 4.9% during the 4th quarter. Wells Fargo & Company MN now owns 1,415,221 shares of the technology company’s stock valued at $258,250,000 after purchasing an additional 66,633 shares during the last quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC increased its stake in shares of Jack Henry & Associates by 160.2% during the fourth quarter. UBS AM a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC now owns 1,350,393 shares of the technology company’s stock valued at $246,420,000 after buying an additional 831,372 shares during the period. Finally, Mackenzie Financial Corp raised its holdings in shares of Jack Henry & Associates by 4.0% during the fourth quarter. Mackenzie Financial Corp now owns 973,760 shares of the technology company’s stock valued at $179,354,000 after acquiring an additional 37,814 shares in the last quarter. 98.75% of the stock is owned by institutional investors.

Jack Henry & Associates Stock Up 1.6% Shares of Jack Henry & Associates stock opened at $152.98 on Tuesday. Jack Henry & Associates, Inc. has a twelve month low of $121.04 and a twelve month high of $193.39. The company has a quick ratio of 1.74, a current ratio of 1.74 and a debt-to-equity ratio of 0.04. The company’s 50 day moving average is $138.61 and its 200 day moving average is $154.88. The company has a market cap of $10.87 billion, a price-to-earnings ratio of 21.40, a price-to-earnings-growth ratio of 2.12 and a beta of 0.57.

Jack Henry & Associates (NASDAQ:JKHY – Get Free Report) last issued its quarterly earnings data on Tuesday, May 5th. The technology company reported $1.71 earnings per share for the quarter, topping the consensus estimate of $1.43 by $0.28. The firm had revenue of $615.93 million for the quarter, compared to analysts’ expectations of $619.67 million. Jack Henry & Associates had a net margin of 20.64% and a return on equity of 24.03%. The business’s quarterly revenue was up 8.7% on a year-over-year basis. During the same quarter in the prior year, the business earned $1.52 EPS. Jack Henry & Associates has set its FY 2026 guidance at 6.780-6.870 EPS. Research analysts anticipate that Jack Henry & Associates, Inc. will post 6.84 EPS for the current year.

Jack Henry & Associates Announces Dividend The firm also recently announced a quarterly dividend, which was paid on Friday, June 19th. Investors of record on Monday, June 1st were given a dividend of $0.61 per share. The ex-dividend date was Monday, June 1st. This represents a $2.44 annualized dividend and a dividend yield of 1.6%. Jack Henry & Associates’s dividend payout ratio (DPR) is currently 34.13%.

Analyst Ratings Changes JKHY has been the subject of several research analyst reports. Royal Bank Of Canada dropped their target price on shares of Jack Henry & Associates from $180.00 to $173.00 and set an “outperform” rating for the company in a research report on Thursday, June 18th. UBS Group set a $165.00 price target on shares of Jack Henry & Associates in a research note on Thursday, May 7th. Loop Capital began coverage on shares of Jack Henry & Associates in a report on Tuesday, March 31st. They issued a “buy” rating and a $197.00 price objective for the company. Barclays assumed coverage on Jack Henry & Associates in a research report on Tuesday, July 7th. They set an “overweight” rating and a $170.00 price objective on the stock. Finally, DA Davidson reissued a “buy” rating and issued a $198.00 target price on shares of Jack Henry & Associates in a research report on Monday, May 11th. Two equities research analysts have rated the stock with a Strong Buy rating, nine have issued a Buy rating and four have issued a Hold rating to the company’s stock. Based on data from MarketBeat.com, the company presently has a consensus rating of “Moderate Buy” and an average target price of $186.07.

Get Our Latest Research Report on Jack Henry & Associates

Insider Activity at Jack Henry & Associates In related news, CFO Mimi Carsley acquired 375 shares of Jack Henry & Associates stock in a transaction dated Thursday, May 14th. The shares were purchased at an average price of $134.12 per share, for a total transaction of $50,295.00. Following the completion of the transaction, the chief financial officer directly owned 6,007 shares in the company, valued at approximately $805,658.84. This represents a 6.66% increase in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, CEO Gregory R. Adelson bought 2,000 shares of the stock in a transaction dated Thursday, May 14th. The shares were purchased at an average price of $133.42 per share, with a total value of $266,840.00. Following the completion of the transaction, the chief executive officer directly owned 21,036 shares in the company, valued at approximately $2,806,623.12. The trade was a 10.51% increase in their position. The disclosure for this purchase is available in the SEC filing. 0.60% of the stock is currently owned by company insiders.

Jack Henry & Associates Profile (Free Report)

Jack Henry & Associates, Inc is a leading provider of technology solutions and payment processing services for the financial services industry. Founded in 1976 and headquartered in Monett, Missouri, the company develops and supports a comprehensive suite of software and services designed to help banks, credit unions and other financial institutions streamline operations, improve customer engagement and manage risk.

The company’s core processing platforms deliver end-to-end account processing, general ledger, deposit operations and loan servicing functionality.

Further Reading Five stocks we like better than Jack Henry & Associates AirJoule’s Kubota Deal Is a Major Validation—But the Hard Part Comes Next Dividend Stocks May Be the Quiet Rotation Trade Investors Are Missing Now Refiner Stocks Are Near Record Highs—Can Iran-Driven Margins Keep Them There? Verizon May Be an AI Infrastructure Stock Hiding in Plain Sight Want to see what other hedge funds are holding JKHY? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Jack Henry & Associates, Inc. (NASDAQ:JKHY – Free Report).

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Stock to Watch: Jack Henry (JKHY - Free Report) Monett, MO-based Jack Henry & Associates, Inc. commonly known as JHA caters to community banks by offering technology solutions and payment processing services. The company’s products are available via its three business brands:

JKHY is a #2 (Buy) on the Zacks Rank, with a VGM Score of A.

Additionally, the company could be a top pick for growth investors. JKHY has a Growth Style Score of A, forecasting year-over-year earnings growth of 9.6% for the current fiscal year.

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With a solid Zacks Rank and top-tier Growth and VGM Style Scores, JKHY should be on investors' short list.

, /PRNewswire/ -- Webster First Federal Credit Union today announced integration with Payrailz®, a leading digital payments solution from Jack Henry®, to embed the Payrailz® Pay a Person™ peer-to-peer (P2P) payments capability within its digital banking platform. This rollout reflects a growing industry shift toward in-app, real-time payment experiences that reduce reliance on third-party fintech rails and keep transaction volume within the financial institution's ecosystem.

Payrailz Pay a Person lets members send P2P transfers using just the recipient's name and mobile phone number. There's no need to share account or routing numbers, sign up for separate apps, or wait days for the money to clear. By streamlining the payment flow to a few taps, the credit union aims to drive digital engagement, increase transaction frequency, and strengthen primary financial institution (PFI) relationships with its member base.

"We're pleased that Webster First Federal Credit Union is enabling members to send P2P payments through Payrailz Pay a Person, while also giving recipients the option to receive funds instantly over the RTP® and FedNow® payment rails," said Tede Forman, president of Jack Henry Payment Solutions. "This fast, convenient exchange of funds supports a broad range of accountholders – from small businesses looking to grow to consumers seeking better control of their cash flow."

Built for flexibility, the solution uses a multi-rail payments framework to support different use cases and delivery speeds. Transfers between Webster First accounts and standard external ACH payments are available at no cost. For faster delivery, recipients can choose to accept the funds instantly for a flat $2.50 fee, offering a simple, transparent alternative to the percentage-based pricing common among many P2P fintech providers.

By integrating Payrailz payments technology directly into its core digital banking infrastructure, Webster First positions P2P payments as a native component of the member experience rather than a bolt-on service. The initiative underscores the credit union's broader digital transformation strategy and its commitment to delivering secure, transparent, and competitive payment solutions that meet evolving member expectations.

About Webster First Federal Credit Union

Webster First Federal Credit Union is a financial cooperative dedicated to providing innovative and secure banking solutions to its members. Committed to empowering members through responsible financial tools and exceptional service, the credit union offers a comprehensive suite of digital and traditional banking products. For more information, visit websterfirst.com.

About Jack Henry & Associates, Inc.®

Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at jackhenry.com.

Please direct any queries to:
Lauren Conti, Community Relations Coordinator
774-823-1677
[email protected]

SOURCE Webster First Federal Credit Union

Investors looking for stocks in the Computers - IT Services sector might want to consider either Roper Technologies (ROP) or Jack Henry (JKHY). But which of these two companies is the best option for those looking for undervalued stocks?

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Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.

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Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.

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How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.

#1 (Strong Buy) stocks have produced an unmatched +24% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.

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Stock to Watch: Jack Henry (JKHY - Free Report) Monett, MO-based Jack Henry & Associates, Inc. commonly known as JHA caters to community banks by offering technology solutions and payment processing services. The company’s products are available via its three business brands:

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Additionally, the company could be a top pick for growth investors. JKHY has a Growth Style Score of A, forecasting year-over-year earnings growth of 9.6% for the current fiscal year.

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With a solid Zacks Rank and top-tier Growth and VGM Style Scores, JKHY should be on investors' short list.

$1.4 billion-asset Louisiana bank plans to strengthen digital experience and operational resilience

, /PRNewswire/ -- Jack Henry® (Nasdaq: JKHY) announced today that First American Bank and Trust has selected Jack Henry's technology solutions to strengthen operations, enhance its digital banking experience, and support continued growth across Southeast Louisiana.

Founded in 1910 in Vacherie, Louisiana, First American Bank and Trust is a privately owned community bank with 25 locations. The bank serves retail and small business customers across Southeast Louisiana, with a strong foundation in residential lending and a growing focus on expanding its small business portfolio. The institution is deeply rooted in its local communities and known for its culture-driven approach to customer service.

To better meet evolving customer expectations and remain competitive with larger regional and national institutions, First American Bank and Trust selected Jack Henry's modern core processing platform. The bank will move from an in-house environment to a hosted model, improving efficiency while enhancing disaster recovery and resiliency – critical in a region frequently impacted by hurricanes.

The Banno Digital Platform™ will improve the bank's digital experience, giving customers greater visibility into their financial lives with tools such as credit scoring and enhanced financial insights. These capabilities are embedded into the platform to provide customers with better control of their finances. And, Tap2Local™ will support the bank's goal of growing its small business portfolio by providing it with a simple, integrated solution for accepting payments and streamlining accounting. The bank will further differentiate through Jack Henry's open ecosystem, which offers open integrations to more than 1,000 third-party fintechs.

"We were looking for a technology provider that can help us move forward while staying true to who we are as a community bank," said Ronnie Falgoust, President and CEO of First American Bank and Trust. "Jack Henry stood out for its strong reputation for customer support, ongoing investment in innovation, and open approach to technology. This will help us deliver better tools and experiences for our customers while supporting our plans to grow organically, particularly on the small business side."

Jack Henry's strategy of delivering modern service components in the public cloud was also a key factor for First American Bank and Trust. "You can see the pace of innovation in how their platform continues to evolve, making them stand out on the market," Falgoust added. "This ongoing development, combined with what we heard from peers, gave us confidence that we're making the right decision."

"First American Bank and Trust has built a strong legacy by continuing to evolve alongside its customers," said Jonathan Baltzell, President of Bank Solutions at Jack Henry. "With the right technology in place, the bank is well positioned to scale, innovate, compete, and deliver the experiences that make it the center of their accountholders' financial journeys."

About Jack Henry & Associates, Inc.® 

Jack Henry® (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For 50 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,400 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at www.jackhenry.com. 

SOURCE Jack Henry & Associates, Inc.

For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.

The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.

It also includes access to the Zacks Style Scores.

What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.

Each stock is assigned a rating of A, B, C, D, or F based on their value, growth, and momentum characteristics. Just like in school, an A is better than a B, a B is better than a C, and so on -- that means the better the score, the better chance the stock will outperform.

The Style Scores are broken down into four categories:

Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.

Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.

Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.

VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.

How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.

#1 (Strong Buy) stocks have produced an unmatched +24% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.

This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.

That's where the Style Scores come in.

To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.

As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.

For instance, a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one that boasts Scores of A and B, still has a downward-trending earnings forecast, and a much greater likelihood its share price will decline as well.

Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.

Stock to Watch: Jack Henry (JKHY - Free Report) Monett, MO-based Jack Henry & Associates, Inc. commonly known as JHA caters to community banks by offering technology solutions and payment processing services. The company’s products are available via its three business brands:

JKHY is a #2 (Buy) on the Zacks Rank, with a VGM Score of B.

It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 18.42; value investors should take notice.

For fiscal 2026, six analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.17 to $6.84 per share. JKHY boasts an average earnings surprise of +20%.

With a solid Zacks Rank and top-tier Value and VGM Style Scores, JKHY should be on investors' short list.

MONETT, Mo., May 11, 2026 /PRNewswire/ -- Jack Henry & Associates, Inc. (NASDAQ: JKHY) today announced its Board of Directors maintained its quarterly cash dividend of $.61 per share.