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Industrials - Specialty Business Services - NASDAQ - US
$ 40.04
-2.13 %
$ 539 M
Market Cap
28.81
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CASS stock under the worst case scenario is HIDDEN Compared to the current market price of 40 USD, Cass Information Systems, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CASS stock under the base case scenario is HIDDEN Compared to the current market price of 40 USD, Cass Information Systems, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one CASS stock under the best case scenario is HIDDEN Compared to the current market price of 40 USD, Cass Information Systems, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CASS

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$46.0$46.0$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$38.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
199 M REVENUE
-6.58%
12.5 M OPERATING INCOME
-85.88%
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%
50.4 M REVENUE
121.18%
2.57 M OPERATING INCOME
105.72%
4.59 M NET INCOME
56.36%
18.6 M OPERATING CASH FLOW
9461.81%
-173 K INVESTING CASH FLOW
97.95%
101 M FINANCING CASH FLOW
551.58%
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 0
PP&E 34.2 M
Other Non-Current Assets 26.4 M
75.02 %11.99 %7.33 %5.65 %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 199 M
Cost Of Revenue 11.8 M
Gross Profit 187 M
Operating Expenses 175 M
Operating Income 12.5 M
Other Expenses -6.7 M
Net Income 19.2 M
200m200m180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00199m(12m)187m(175m)12m7m19mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
94.10% GROSS MARGIN
94.10%
6.26% OPERATING MARGIN
6.26%
9.62% NET MARGIN
9.62%
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 4.33 M
Capital Expenditures 0
Stock-Based Compensation 3.17 M
Change in Working Capital 0
Others 13.3 M
Free Cash Flow 38.9 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 9.89%
CASS Average Price Target Wall Street Target
45.8 USD 14.39%
CASS Highest Price Target Wall Street Target
51 USD 27.37%
Price
Max Price Target
Min Price Target
Average Price Target
525250504848464644444242404038383636May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.76% DIVIDEND YIELD
0.31 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.159090.166670.174240.240.260.270.270.280.290.30.310.159090.166670.174240.216670.260.270.270.280.290.30.159090.166670.174240.216670.260.270.270.280.290.30.166670.640.174240.670.240.760.260.930.271.050.271.080.281.090.291.130.31.170.311.210.312015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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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
0 USD 0
0-3 MONTHS
8.06 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
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 - 3 weeks 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 - 1 month 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 - 1 month 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 - 1 month 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 - 2 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 - 2 months ago
Cass Information Systems Reports Fourth Quarter 2024 Results ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS), (the Company or Cass) reported fourth quarter 2024 earnings of $0.33 per diluted share, as compared to $0.61 in the fourth quarter of 2023 and $0.21 in the third quarter of 2024. Net income for the period was $4.6 million, a decrease of 45.4% from $8.4 million in the same period in 2023 and an increase of $2.9 million, or 56.4%, as compared to the third quarter of 2024. For the year ended December 31, 2024, the Company r. businesswire.com - 2 months ago
Analysts Estimate Cass Information Systems (CASS) to Report a Decline in Earnings: What to Look Out for 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 - 3 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 - 3 months ago
Cass Information Systems Acquires AcuAudit Platform from Acuitive Solutions ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS) (Cass), the leading global provider of freight audit & payment solutions, has acquired AcuAudit, the premier freight audit platform for ocean and international air freight, from Acuitive Solutions LLC. Global shippers choose AcuAudit for its advanced audit and accounting automation capabilities. Shippers especially value the solution because it enables a fast and accurate understanding of landed costs at the product l. businesswire.com - 3 months ago
Cass (CASS) Loses -8.56% in 4 Weeks, Here's Why a Trend Reversal May be Around the Corner Cass (CASS) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com - 3 months ago
Here's Why Cass (CASS) is Poised for a Turnaround After Losing -7.51% in 4 Weeks Cass (CASS) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com - 3 months ago
8. Profile Summary

Cass Information Systems, Inc. CASS

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COUNTRY US
INDUSTRY Specialty Business Services
MARKET CAP $ 539 M
Dividend Yield 0.76%
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 1027
Officers Mr. James M. Cavellier Jr. Executive Vice President & Chief Information Officer Mr. Matthew Steven Schuckman Executive Vice President, General Counsel & Corporate Secretary Mr. Mark A. Campbell Senior Vice President & President of Government Payables Mr. Dwight D. Erdbruegger President & Chief Operating Officer of Cass Commercial Bank Mr. Michael James Normile CPA Executive Vice President & Chief Financial Officer Mr. Todd Wills Senior Vice President & President of Utility Expense Management Mr. Martin H. Resch President, Chief Executive Officer & Director Jeanne M. Scannell Chief Credit Officer of Cass Commercial Bank Mr. Eric H. Brunngraber Executive Chairman Christi A. Reiter Senior Vice President of Human Resources