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Industrials - Specialty Business Services - NASDAQ - US
$ 41.36
-0.768 %
$ 553 M
Market Cap
27.39
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CASS stock under the worst case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cass Information Systems, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CASS stock under the base case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cass Information Systems, Inc. is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one CASS stock under the best case scenario is HIDDEN Compared to the current market price of 41.4 USD, Cass Information Systems, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CASS

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$45.0$45.0$44.0$44.0$43.0$43.0$42.0$42.0$41.0$41.0$40.0$40.0$39.0$39.0$38.0$38.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
220 M REVENUE
3.13%
12.5 M OPERATING INCOME
-66.73%
19.2 M NET INCOME
-36.23%
38.9 M OPERATING CASH FLOW
5.45%
3.95 M INVESTING CASH FLOW
-98.61%
-65.6 M FINANCING CASH FLOW
56.26%
47.3 M REVENUE
-6.07%
8.55 M OPERATING INCOME
232.98%
8.55 M NET INCOME
86.13%
21.6 M OPERATING CASH FLOW
15.75%
-71 M INVESTING CASH FLOW
-40954.91%
-79.6 M FINANCING CASH FLOW
-79.03%
Balance Sheet Cass Information Systems, Inc.
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Current Assets 406 M
Cash & Short-Term Investments 350 M
Receivables 55.9 M
Other Current Assets 0
Non-Current Assets 60.5 M
Long-Term Investments 726 M
PP&E 34.2 M
Other Non-Current Assets -699 M
75.02 %11.99 %155.66 %7.33 %Total Assets$466.2m
Current Liabilities 1.15 B
Accounts Payable 1.15 B
Short-Term Debt 0
Other Current Liabilities 0
Non-Current Liabilities 1.02 B
Long-Term Debt 0
Other Non-Current Liabilities 1.02 B
53.06 %46.94 %Total Liabilities$2.2b
EFFICIENCY
Earnings Waterfall Cass Information Systems, Inc.
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Revenue 220 M
Cost Of Revenue 12.5 M
Gross Profit 75.6 M
Operating Expenses 175 M
Operating Income 12.5 M
Other Expenses -6.7 M
Net Income 19.2 M
250m250m200m200m150m150m100m100m50m50m00(50m)(50m)(100m)(100m)220m(12m)76m(175m)12m7m19mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
34.36% GROSS MARGIN
34.36%
5.67% OPERATING MARGIN
5.67%
8.72% NET MARGIN
8.72%
8.37% ROE
8.37%
0.80% ROA
0.80%
-1.44% ROIC
-1.44%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Cass Information Systems, Inc.
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50m50m45m45m40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 19.2 M
Depreciation & Amortization 5.99 M
Capital Expenditures -9.33 M
Stock-Based Compensation 3.17 M
Change in Working Capital 2.71 M
Others 6.2 M
Free Cash Flow 29.6 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 $45.8 , with forecasts ranging from a low of $44 to a high of $51 .
CASS Lowest Price Target Wall Street Target
44 USD 6.38%
CASS Average Price Target Wall Street Target
45.8 USD 10.74%
CASS Highest Price Target Wall Street Target
51 USD 23.31%
Price
Max Price Target
Min Price Target
Average Price Target
525250504848464644444242404038383636Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.72% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.159090.166670.174240.240.260.270.270.280.290.30.310.159090.166670.174240.216670.260.270.270.280.290.30.310.159090.166670.174240.216670.260.270.270.280.290.30.166670.640.174240.670.240.760.260.930.271.050.271.080.281.090.291.130.31.170.311.210.622015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 7
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
17.6 K USD 2
0-3 MONTHS
0 USD 0
3-6 MONTHS
8.06 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
The Highest-Quality Dividend Contenders By Quality Scores The article presents the highest-quality Dividend Contenders, companies listed on U.S. exchanges with higher annual dividend payouts for 10-24 consecutive years. I use a quality scoring system with six quality indicators, each worth five points, for a maximum score of 30. The highest-quality Dividend Contenders score four or five points for each quality indicator. seekingalpha.com - 2 weeks ago
Is the Options Market Predicting a Spike in Cass Information Systems Stock? Investors need to pay close attention to Cass Information Systems stock based on the movements in the options market lately. zacks.com - 1 month ago
Cass Information Systems (CASS) Beats Q1 Earnings Estimates Cass Information Systems (CASS) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.52 per share a year ago. zacks.com - 2 months ago
Cass Information Systems Reports First Quarter 2025 Results ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS), (the Company or Cass) reported first quarter 2025 earnings of $0.66 per diluted share, as compared to $0.52 in the first quarter of 2024 and $0.33 in the fourth quarter of 2024. Net income for the period was $9.0 million, an increase of 25.4% from $7.2 million in the same period in 2024 and an increase of $4.4 million, or 95.2%, as compared to the fourth quarter of 2024. First Quarter Results All comparisons refer to the. businesswire.com - 2 months 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 - 2 months ago
Cass Information Systems Sells Telecom Expense Management Business to Asignet ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS), (the Company or Cass) has entered into an Asset Purchase Agreement to sell its Telecom Expense Management & Managed Mobility Services (TEM) business to Asignet USA Inc. (Asignet), a market-leading hyper-automation IT expense management provider. Martin Resch, the Company's President and Chief Executive Officer, said, “The sale of our TEM business is consistent with our strategy of focusing our capital investments on. businesswire.com - 2 months ago
Are Computer and Technology Stocks Lagging Cass Information Systems (CASS) This Year? Here is how Cass Information Systems (CASS) and Domo (DOMO) have performed compared to their sector so far this year. zacks.com - 2 months ago
Is Cass Information Systems (CASS) Stock Outpacing Its Computer and Technology Peers This Year? Here is how Cass Information Systems (CASS) and Domo (DOMO) have performed compared to their sector so far this year. zacks.com - 3 months ago
Cass Information Systems CEO Discusses Invoice Fraud and Payment Issues on Today's Marketplace NEW YORK , March 3, 2025 /PRNewswire/ -- Today's Marketplace (TMP) is proud to announce a featured interview with Martin Resch , President & CEO of Cass Information Systems (NASDAQ: CASS), and Anthony R. Hendrickson, PH.D, Dean of the Heider College of Business, Creighton University. prnewswire.com - 3 months ago
Is Cass Information Systems (CASS) Outperforming Other Computer and Technology Stocks This Year? Here is how Cass Information Systems (CASS) and BlackBerry (BB) have performed compared to their sector so far this year. zacks.com - 4 months ago
Are Computer and Technology Stocks Lagging Cass Information Systems (CASS) This Year? Here is how Cass Information Systems (CASS) and DoorDash, Inc. (DASH) have performed compared to their sector so far this year. zacks.com - 4 months ago
Cass Information Systems (CASS) Q4 Earnings Lag Estimates Cass Information Systems (CASS) came out with quarterly earnings of $0.33 per share, missing the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.61 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

Cass Information Systems, Inc. CASS

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COUNTRY US
INDUSTRY Specialty Business Services
MARKET CAP $ 553 M
Dividend Yield 0.72%
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 1008
Officers Mr. Matthew Steven Schuckman Executive Vice President, General Counsel & Corporate Secretary Mr. Todd Wills Senior Vice President & President of Utility Expense Management Mr. Martin H. Resch President, Chief Executive Officer & Director Mr. Anthony G. Urban Executive Vice President of Transportation Information Services Mr. Michael James Normile CPA Executive Vice President & Chief Financial Officer Mr. Dwight D. Erdbruegger President & Chief Operating Officer of Cass Commercial Bank Jeanne M. Scannell Chief Credit Officer of Cass Commercial Bank Mr. James M. Cavellier Jr. Executive Vice President & Chief Information Officer Mr. Mark A. Campbell Senior Vice President & President of Government Payables Christi A. Reiter Senior Vice President of Human Resources