Jack Henry & Associates (JKHY)
Provides core banking, payments, and digital tools to community and regional financial institutions.
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Provides core processing, payment services, and complementary software to community and regional banks and credit unions. Revenue is anchored by hosted platforms and recurring electronic payments under multiyear contracts, with core relationships supporting cross-sales of Banno digital banking, treasury, lending, and fraud tools.
Based in Monett, Missouri, provides core processing, payment processing, and complementary software and services to community and regional banks and credit unions. Core systems automate deposit, lending, general-ledger, and accountholder records; payments span card, ACH, bill pay, remote deposit, ATM, and wire workflows; complementary products cover Banno digital banking, treasury, account opening, lending, fraud, and risk management.
Earns most support and service revenue from hosted private- and public-cloud services and recurring electronic payments, typically under multiyear contracts, while also licensing on-premise software and reselling hardware. Long client relationships support cross-selling across core and core-agnostic products, and the Jack Henry Platform is extending delivery through public-cloud-native, API-first services. Operations remain subject to banking-agency examinations, evolving financial regulation, cybersecurity demands, and third-party technology dependencies.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 16, 2026 | Raymond James | Reiterate | Rating: —Target: — | Target: $199 |
| Sep 16, 2026 | Piper Sandler | Reiterate | Rating: —Target: $171 | Target: $175 |
| Sep 14, 2026 | KeyBanc | Initiate | Rating: —Target: — | Target: $190 |
| Sep 10, 2026 | Piper Sandler | Initiate | Rating: —Target: — | Target: $171 |
| Aug 25, 2026 | Wolfe Research | Reiterate | Rating: —Target: $165 | Target: $215 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $12.1M · Total debt $40.0M · Total assets $3.15B · Shareholders' equity $2.05B
- Revenue
- $633.1M
- Operating income
- $132.7M
- Net income
- $111.2M
HistoryDividendAnnual yield
| Institutions | 98.53% | 70.01M shares | |
|---|---|---|---|
| 722 holders · as of Jun 30, 2026 | |||
| Insiders | 0.57% | 407.6K shares | |
| 13 holders · as of Aug 31, 2026 | |||
| Other | 0.90% | 637.0K shares | |
| remainder | |||
71.05M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Kayne Anderson Rudnick Investment Management LLCInstitution | 7.34% | 5.21M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 7.21% | 5.12M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 6.54% | 4.64M | as of Jun 30, 2026 |
State Street CorpInstitution | 5.21% | 3.70M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.01% | 3.56M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| May 14, 2026 | Mimi Carsley | officer: CFO and Treasurer | +375 | $134.12 |
| May 14, 2026 | Gregory R. Adelson | director, officer: President & CEO | +2,000 | $133.42 |
| Dec 1, 2025 | David B. Foss | director | −20,000 | $174.92 |
| Nov 10, 2025 | Shanon G. McLachlan | officer: COO | −227 | $160.83 |
- FIS
Broad core, digital, and payments rival for banks.
- Q2
Digital-banking specialist for banks and credit unions.
- Alkami Technology
Cloud digital-banking rival for US financial institutions.
- ACI Worldwide
Payments-software rival in bill pay, A2A, and fraud.
- NCR Atleos
ATM and self-service banking rival in payments access.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Jack Henry & Associates | $147.72 | −0.93% | $10.59B | 21.4 | 20.0 | 4.2 | +4.7% |
| FIS | $34.46 | −1.43% | $18.08B | 5.4 | 5.4 | 1.5 | +29.1% |
| Q2 | $55.47 | −2.45% | $3.55B | 40.6 | 17.9 | 4.2 | +12.6% |
| Alkami Technology | $14.65 | −19.03% | $1.93B | — | 15.3 | 4.0 | +15.9% |
| ACI Worldwide | $48.98 | −0.43% | $5.00B | 22.6 | 18.7 | 2.7 | +7.3% |
| NCR Atleos | $46.11 | −0.25% | $3.41B | 18.1 | 9.6 | 0.8 | −0.1% |
| Median | 20.3 | 15.3 | 2.7 | +12.6% |