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Industrials - Specialty Business Services - NASDAQ - US
$ 44.5
-0.157 %
$ 604 M
Market Cap
26.49
P/E
1. INTRINSIC VALUE

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries.[ Read More ]

The intrinsic value of one CASS stock under the base case scenario is HIDDEN Compared to the current market price of 44.5 USD, Cass Information Systems, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CASS

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FINANCIALS
213 M REVENUE
15.99%
-39.6 M OPERATING INCOME
-85.42%
30.1 M NET INCOME
-13.88%
36.9 M OPERATING CASH FLOW
-28.43%
285 M INVESTING CASH FLOW
192.91%
-150 M FINANCING CASH FLOW
-153.48%
22.8 M REVENUE
-58.06%
-44.9 M OPERATING INCOME
-724.69%
2.94 M NET INCOME
-34.48%
-199 K OPERATING CASH FLOW
-1.86%
-8.43 M INVESTING CASH FLOW
-9.97%
15.5 M FINANCING CASH FLOW
124.04%
Balance Sheet Decomposition Cass Information Systems, Inc.
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Current Assets 483 M
Cash & Short-Term Investments 372 M
Receivables 111 M
Other Current Assets 0
Non-Current Assets 795 M
Long-Term Investments 627 M
PP&E 38.2 M
Other Non-Current Assets 130 M
Current Liabilities 1.07 B
Accounts Payable 1.07 B
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.18 B
Long-Term Debt 7.15 M
Other Non-Current Liabilities 1.18 B
EFFICIENCY
Earnings Waterfall Cass Information Systems, Inc.
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Revenue 213 M
Cost Of Revenue 118 M
Gross Profit 95.1 M
Operating Expenses 6.81 M
Operating Income -39.6 M
Other Expenses -69.7 M
Net Income 30.1 M
RATIOS
44.59% GROSS MARGIN
44.59%
-18.58% OPERATING MARGIN
-18.58%
14.10% NET MARGIN
14.10%
13.08% ROE
13.08%
1.21% ROA
1.21%
-13.87% ROIC
-13.87%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cass Information Systems, Inc.
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Net Income 30.1 M
Depreciation & Amortization 4.97 M
Capital Expenditures -14.3 M
Stock-Based Compensation 4.14 M
Change in Working Capital -6.04 M
Others 1.89 M
Free Cash Flow 22.6 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Cass Information Systems, Inc.
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Wall Street analysts predict an average 1-year price target for CASS of $46.7 , with forecasts ranging from a low of $44 to a high of $51 .
CASS Lowest Price Target Wall Street Target
44 USD -1.12%
CASS Average Price Target Wall Street Target
46.7 USD 4.87%
CASS Highest Price Target Wall Street Target
51 USD 14.61%
4. DIVIDEND ANALYSIS
0.73% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Cass Information Systems, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
8.06 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
3 weeks ago
Oct 21, 2024
Bought 8.06 K USD
Normile Michael James
CFO
+ 200
40.3 USD
1 year ago
Oct 23, 2023
Bought 36.5 K USD
Resch Martin H.
President & CEO
+ 1000
36.5 USD
1 year ago
Apr 24, 2023
Bought 36 K USD
Resch Martin H.
President & CEO
+ 1000
36 USD
1 year ago
Apr 21, 2023
Bought 37.5 K USD
Resch Martin H.
President & CEO
+ 1000
37.5 USD
1 year ago
Apr 20, 2023
Bought 42.2 K USD
Resch Martin H.
President & CEO
+ 1166
36.16 USD
1 year ago
Apr 24, 2023
Bought 3.64 K USD
Normile Michael James
CFO
+ 100
36.4 USD
1 year ago
Apr 20, 2023
Bought 9.06 K USD
Normile Michael James
CFO
+ 250
36.25 USD
2 years ago
Dec 07, 2021
Sell 42.2 K USD
LANGFITT GARY B
COO Utilities
- 1000
42.24 USD
2 years ago
Dec 07, 2021
Sell 21.1 K USD
LANGFITT GARY B
COO Utilities
- 500
42.24 USD
4 years ago
Sep 04, 2020
Sell 126 K USD
LANGFITT GARY B
COO Utilities
- 3200
39.5 USD
4 years ago
Aug 28, 2020
Sell 56.8 K USD
LANGFITT GARY B
COO Utilities
- 1439
39.47 USD
5 years ago
Dec 14, 2018
Sell 46.8 K USD
LANGFITT GARY B
COO Utilities
- 850
55 USD
6 years ago
Jun 06, 2018
Sell 77.9 K USD
MATHIAS ROBERT J
President, Cass Bank
- 1192
65.356 USD
6 years ago
Jun 08, 2018
Sell 89.4 K USD
MATHIAS ROBERT J
President, Cass Bank
- 1354
66 USD
6 years ago
Feb 06, 2018
Bought 55.4 K USD
Clermont Ralph W
Director
+ 1000
55.39 USD
6 years ago
Dec 13, 2017
Sell 44.3 K USD
BRUNNGRABER ERIC H
President, CEO
- 700
63.26 USD
6 years ago
Dec 14, 2017
Sell 160 K USD
BRUNNGRABER ERIC H
President, CEO
- 2568
62.3 USD
6 years ago
Nov 21, 2017
Sell 23.1 K USD
LANGFITT GARY B
COO Utilities
- 350
66 USD
7 years ago
Jun 12, 2017
Sell 49.1 K USD
LANGFITT GARY B
COO Utilities
- 750
65.5 USD
7 years ago
Jun 09, 2017
Sell 45.4 K USD
MATHIAS ROBERT J
President, Cass Bank
- 698
65 USD
7 years ago
Jun 02, 2017
Sell 194 USD
MATHIAS ROBERT J
President, Cass Bank
- 3
64.75 USD
7 years ago
Dec 06, 2016
Sell 210 K USD
BRUNNGRABER ERIC H
President, CEO
- 3019
69.714 USD
8 years ago
Oct 24, 2016
Sell 43.4 K USD
MATHIAS ROBERT J
President, Cass Bank
- 772
56.25 USD
8 years ago
Jul 29, 2016
Sell 160 K USD
BRUNNGRABER ERIC H
President, CEO
- 3013
53 USD
8 years ago
Aug 01, 2016
Sell 94.3 K USD
BRUNNGRABER ERIC H
President, CEO
- 1805
52.25 USD
8 years ago
Jun 10, 2016
Sell 45.7 K USD
MATHIAS ROBERT J
President, Cass Bank
- 891
51.25 USD
8 years ago
Dec 04, 2015
Sell 68.9 K USD
BRUNNGRABER ERIC H
President, CEO
- 1300
53 USD
8 years ago
Nov 30, 2015
Sell 45.7 K USD
LANGFITT GARY B
COO Utilities
- 850
53.75 USD
9 years ago
Oct 28, 2015
Sell 11.8 K USD
GRACE WAYNE J
Director
- 222
52.95 USD
9 years ago
Oct 27, 2015
Sell 48.4 K USD
MATHIAS ROBERT J
President, Cass Bank
- 909
53.25 USD
7. News
Cass Information Systems Forms Strategic Partnership with Brazilian Firm Lupeon to Drive Global Growth ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS) (“Cass”), the leading global provider of freight audit and payment solutions, has announced a partnership with Lupeon, Brazil's leading freight audit provider, to deliver an in-region solution for Cass's global client base. U.S.-based Cass provides a global solution covering all other regions of South America. In Brazil, unique regulatory requirements for freight charges necessitate a highly distinct process. An invoice c. businesswire.com - 2 days ago
Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement Cass Information Systems operates in two segments: Information Services and Banking Services, with a diverse client base and international presence. Cass's invoice processing and banking services give it a competitive advantage, but improving efficiency is still a top priority. Cass has a long-standing dividend history with low growth lately, supported by a strong balance sheet and no debt. seekingalpha.com - 3 days ago
Cass Information Systems (CASS) Lags Q3 Earnings Estimates Cass Information Systems (CASS) came out with quarterly earnings of $0.21 per share, missing the Zacks Consensus Estimate of $0.50 per share. This compares to earnings of $0.54 per share a year ago. zacks.com - 1 month ago
The Magnificent Global Plastic and Reconstructive Surgeon ‘Dr. Chukwuemeka Onyewu’ Unveiled as the Latest UncutXtra Magazine Cover Star Dr. Chukwuemeka Onyewu, a globally trained Plastic and reconstructive surgeon who runs one of the biggest surgical hospitals in Nigeria (CASS) has just been revealed as the latest cover star… The post The Magnificent Global Plastic and Reconstructive Surgeon ‘Dr. Chukwuemeka Onyewu’ Unveiled as the Latest UncutXtra Magazine Cover Star appeared first on Radarr Africa... radarr.africa - 1 month ago
Cass Information Systems Receives GSA Multiple Award Schedule Contract for Freight Audit and Payment ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS) (Cass), a leading provider of global payment solutions, has received a Multiple Award Schedule contract with the General Services Administration (GSA). This pre-approved contract enables government and federal agencies to efficiently award business to Cass for freight audit and payment services for all transportation modes. Cass, a provider of payment solutions for diverse spend categories, processed $90B in payables in 2. businesswire.com - 1 month ago
Is the Options Market Predicting a Spike in Cass Information Systems (CASS) Stock? Investors need to pay close attention to Cass Information Systems (CASS) stock based on the movements in the options market lately. zacks.com - 3 months ago
Cass Information Systems (CASS) Q2 Earnings and Revenues Miss Estimates Cass Information Systems (CASS) came out with quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.52 per share a year ago. zacks.com - 4 months ago
Cass Information Systems (CASS) Earnings Expected to Grow: What to Know Ahead of Q2 Release Cass (CASS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 4 months ago
Regal Rexnord Unveils Next Generation of Perceptiv™ Intelligent Solutions for Industrial Manufacturing MILWAUKEE--(BUSINESS WIRE)--Regal Rexnord unveils next generation of Perceptiv™ Intelligent Reliability Solutions for industrial manufacturing. businesswire.com - 5 months ago
Cass Information Systems, Inc. and FreightWaves SONAR Announce Partnership for Supply Chain Intelligence ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS) and FreightWaves SONAR, the leader in supply chain intelligence, are excited to announce a strategic partnership designed to benefit the freight and logistics industry. Cass, a premier provider of freight audit and payment solutions, is proud to announce its position as a critical channel partner for the SONAR Supply Chain Intelligence (SCI) tool, enabling Cass customers to easily access industry rate information and comp. businesswire.com - 5 months ago
New Strong Sell Stocks for May 29th BN, CCNE and CASS have been added to the Zacks Rank #5 (Strong Sell) List on May 29, 2023. zacks.com - 5 months ago
A Legacy of Strength and Stability: Cass Commercial Bank Marks 118th Anniversary ST. LOUIS--(BUSINESS WIRE)--Cass Commercial Bank proudly celebrates its 118th anniversary, marking over a century of unwavering commitment to financial excellence and community service. Established in 1906, Cass Commercial Bank has remained a pillar of strength and stability in the banking industry, consistently delivering exceptional service to its clients. Reflecting on this anniversary, President Dwight Erdbruegger remarked, "As we commemorate our 118th anniversary, we honor the legacy of st. businesswire.com - 5 months ago
8. Profile Summary

Cass Information Systems, Inc. CASS

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COUNTRY US
INDUSTRY Specialty Business Services
MARKET CAP $ 604 M
Dividend Yield 0.73%
Description Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.
Contact 12444 Powerscourt Drive, Saint Louis, MO, 63131 https://www.cassinfo.com
IPO Date July 2, 1996
Employees 1061
Officers Mr. Dwight D. Erdbruegger President & Chief Operating Officer of Cass Commercial Bank Mr. Anthony G. Urban Executive Vice President of Transportation Information Services Mr. James M. Cavellier Jr. Executive Vice President & Chief Information Officer Mr. Mark A. Campbell Senior Vice President & President of Government Payables Mr. Martin H. Resch President, Chief Executive Officer & Director Jeanne M. Scannell Chief Credit Officer of Cass Commercial Bank Mr. Todd Wills Senior Vice President & President of Utility Expense Management Mr. Matthew Steven Schuckman Executive Vice President, General Counsel & Corporate Secretary Mr. Eric H. Brunngraber Executive Chairman Christi A. Reiter Senior Vice President of Human Resources