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CASS stock logo

CASS

Cass Information Systems, Inc.

$56.97
-0.09
 (-0.16%)
Exchange:  NASDAQ
Market Cap:  733.267M
Shares Outstanding:  17.467M
Delayed data
Calculate CASS Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Industrials
Industry:  Specialty Business Services
   
CEO:  Martin H. Resch
Full Time Employees:  910
Address: 
12444 Powerscourt Drive
Saint Louis
MO
63131
US
Website:  https://www.cassinfo.com
Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across the United States. The company’s operations are divided into two main areas: Information Services and Banking Services. Through its Information Services segment, Cass provides essential back-office solutions, including the intricate rating, payment processing, and auditing of freight invoices, alongside the production of crucial accounting and transportation data. This division also expertly handles the payment and management of various facility expenses, such as utility bills for electricity, natural gas, and waste, as well as offering comprehensive telecommunications expense management. The Banking Services segment, powered by its subsidiary Cass Commercial Bank, offers a full range of financial products. These include standard checking, savings, and time deposit accounts, in addition to commercial, industrial, and real estate lending. Cash management services are also provided, primarily serving privately-owned businesses and religious organizations. Furthermore, Cass extends its offerings with a modern B2B payment platform, tailored for clients in search of a flexible financial technology partner. Established in 1906, Cass Information Systems, Inc. is headquartered in St. Louis, Missouri, where its main banking facility is located. The company also maintains an operating branch in Bridgeton, Missouri, and leased facilities in Fenton, Missouri, and Colorado Springs, Colorado. It adopted its current name in January 2001, having previously been known as Cass Commercial Corporation.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue213,227219,894191,098
Gross Profit187,139187,663191,098
EBITDA42,44130,20745,960
Operating Income37,47224,22038,759
Net Income30,05919,16835,116

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,478,6222,395,0812,606,024
Total Liabilities2,248,8132,166,0512,363,026
Total Stockholders Equity229,809229,030242,998
Total Debt8,4777,4284,509
Cash and Cash Equivalents372,46819,328392,268

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow36,93638,94937,437
Capital Expenditure-14,324-9,329-5,663
Free Cash Flow22,61229,62031,774
Net Income30,05919,16835,116
Net Change in Cash171,526-22,74042,540

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)216,217.342Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)220,137.657Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)218,177.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)46,802.934Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)47,651.535Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)47,227.234Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)48,400.027Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)49,072.234Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)48,736.131Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)0Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)0Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)3.630Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)3.640Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)3.600Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
219.894M  ?P/S
 (TTM)
: 
3.57
?Net Income
 (TTM)
: 
19.168M  ?P/E
 (TTM)
: 
19.86
?Enterprise Value
 (TTM)
: 
764.806M  ?EV/FCF
 (TTM)
: 
18.25
?Dividend Yield
 (TTM)
: 
2.25%  ?Payout Ratio
 (TTM)
: 
44.76%
?ROE
 (TTM)
: 
15.1%  ?ROIC
 (TTM)
: 
1.46%
?Net Debt
 (TTM)
: 
-342300000  ?Debt/Equity
 (TTM)
: 
0.33
?P/B
 (TTM)
: 
2.95  ?Current Ratio
 (TTM)
: 
3.38

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
19.05Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates CASS intrinsic value between $31.63 – $45.29 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about CASS valuation

Is Cass Information Systems, Inc. (CASS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Cass Information Systems, Inc. (CASS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CASS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CASS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CASS’s P/E ratio?

You can see CASS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CASS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CASS a good long-term investment?

Whether CASS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CASS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.16
MARKETSnap

Trading Metrics:

Open: 57.37   Previous Close: 57.06
Day Low: 56.7   Day High: 57.5
Year Low: 36.07   Year High: 59.63
Price Avg 50: 54.2   Price Avg 200: 46.98
Volume: 59195   Average Volume: 81742

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See in Nexus

Relevant news

Cass Information Systems (CASS) Q2 Earnings and Revenues Miss Estimates
23-07-2026 10:16
Cass Information Systems (CASS) Q2 Earnings and Revenues Miss Estimates
Cass (CASS) Upgraded to Strong Buy: Here's Why
16-07-2026 13:01
Cass (CASS) Upgraded to Strong Buy: Here's Why
Will Cass (CASS) Beat Estimates Again in Its Next Earnings Report?
14-07-2026 13:10
Will Cass (CASS) Beat Estimates Again in Its Next Earnings Report?
Why Cass (CASS) Might be Well Poised for a Surge
27-04-2026 13:20
Why Cass (CASS) Might be Well Poised for a Surge
Cass Information Systems, Inc. Announces Appointment of John Drabik to Board of Directors and Retirements of Sally Roth, Ralph Clermont and Jim Lindemann
22-04-2026 09:00
Cass Information Systems, Inc. Announces Appointment of John Drabik to Board of Directors and Retirements of Sally Roth, Ralph Clermont and Jim Lindemann

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