CASS

Cass Information Systems, Inc.

$42.42

1.06

(2.56%)

Exchange:	NASDAQ
Market Cap:	566.731M
Shares Outstanding:	17.467M

Overview

Earnings

Financials

Valuation

Chart

About The Company

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.

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Revenue Segmentation

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EPS

View full analyst estimates

Earnings Call

No transcript or summary available for this symbol.

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	120,817	120,721	135,302	148,266	157,235	144,956	154,017	183,826	213,227	199,189
? Cost Of Revenue	89,783	20,892	23,064	26,038	28,686	26,553	28,171	33,102	118,144	11,751
? Gross Profit	31,034	99,829	112,238	122,228	128,549	118,403	125,846	150,724	95,083	187,438
? Research And Development Expenses	0	0.250	0.250	0.240	0.230	0.200	0.220	0.230	0	0
? General And Administrative Expenses	70,314	75,878	77,339	85,881	91,083	88,062	92,155	106,474	3,560	0
? Selling And Marketing Expenses	2,268	2,187	2,557	3,344	3,838	2,184	2,627	2,889	3,252	0
? Operating Expenses	89,783	93,473	100,403	-103,274	-119,769	-114,615	-120,196	139,576	6,812	174,970
? Net Interest Income	0	0	0	0	0	0	0	0	0	0
? Interest Income	38,710	39,930	41,977	47,926	52,609	47,687	44,326	58,844	82,760	0
? Interest Expense	2,111	2,029	2,187	3,736	5,193	2,362	1,171	3,482	16,266	20,258
? Depreciation And Amortization	8,859	94,002	102,590	115,655	125,212	117,785	121,367	144,408	4,969	0
? EBITDA	0	0	0	0	0	41,612	0	0	58,591	12,468
? EBIT
? Operating Income	-140,856	-74,435	-81,490	40,083	37,466	30,341	33,821	46,382	88,271	12,468
? Income Before Tax	31,034	32,064	34,899	36,347	37,466	30,341	33,821	42,900	37,356	24,219
? Income Tax Expense	7,978	7,716	9,885	6,079	7,062	5,165	5,217	7,996	7,297	5,051
? Net Income From Continuing Operations
? Net Income	23,056	24,348	25,014	30,268	30,404	25,176	28,604	34,904	30,059	19,168
? EPS (Earnings Per Share)	1.540	1.650	1.700	2.060	2.110	1.750	2.030	2.580	2.180	1.420
? EPS Diluted	1.520	1.630	1.680	2.030	2.070	1.730	2	2.530	2.180	1.390
? Weighted Average Shares Outstanding	14,992.079	14,718.228	14,700.558	14,675.136	14,434.445	14,364.406	14,091.773	13,552.503	13,788.532	13,502
? Weighted Average Shares Outstanding Diluted	15,216.960	14,925.106	14,915.890	14,910.345	14,691.925	14,566.947	14,329.876	13,808.029	13,816.016	13,778
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	185,420	148,666	169,478	194,323	190,498	424,795	12,301	200,942	372,468	19,328
? Short Term Investments	375,696	390,552	470,523	441,534	422,665	357,726	1,176,080	934,415	351,560	330,400
? Cash And Short Term Investments	561,116	539,218	640,001	635,857	613,163	782,521	1,188,381	955,410	372,468	349,728
? Net Receivables	0	0	0	0	0	0	4,992	95,779	110,651	55,906
? Accounts Receivables										55,906
? Inventory	-1,237,295	1	-1,011,863	1	-558,128	-209,204	514,928	296,721	0	0
? Total Current Assets	76,767	129,891	76,054	635,857	613,163	782,521	1,188,381	1,051,189	483,119	405,634
? Property Plant Equipment Net	19,648	21,086	21,586	22,031	20,527	18,057	18,113	19,958	38,193	34,174
? Goodwill	11,590	11,590	12,569	12,569	14,262	14,262	14,262	17,309	17,309	21,352
? Intangible Assets	2,405	1,997	1,996	1,554	4,281	3,423	2,564	4,126	3,345	5,007
? Long Term Investments	375,696	390,552	470,523	441,534	422,665	357,726	1,176,080	754,468	627,117	0
? Total Non Current Assets	33,643	34,673	36,151	477,688	461,735	393,468	1,211,019	975,808	50,747	60,533
? Total Assets	1,455,506	1,504,839	1,603,209	1,695,176	1,764,243	2,203,235	2,554,901	2,573,023	2,478,622	2,395,081
? Account Payables	577,259	642,287	715,888	694,360	684,295	835,386	1,050,396	1,067,600	1,071,368.999	1,149,276
? Short Term Debt	0	0	0	0	18,000	0	0	0	1,327	0
? Deferred Revenue	0	0	0	0	0	833,619	0	1,066,252	0	0
? Total Current Liabilities	577,259	642,287	661,888	694,360	702,295	835,386	1,050,396	1,067,600	2,202,178	1,149,276
? Long Term Debt	0	0	0	0	0	0	0	0	7,150	0
? Deferred Revenue Non Current	0	1,296,804	1,378,121	1,465,328	1,520,053	1,942,075	2,309,103	2,366,698	0	0
? Deferred Tax Liabilities Non Current	0	0	0	0	4,934	4,418	0	8,151	0	0
? Total Non Current Liabilities	670,869	654,517	716,233	770,968	817,758	1,106,689	1,258,707	1,067,600	46,635	1,016,775
? Total Liabilities	1,248,128	1,296,804	1,378,121	1,465,328	702,295	835,386	1,050,396	2,366,699	2,248,813	2,166,051
? Treasury Stock										0
? Preferred Stock	0	128,455	59,314	75,171	90,341	99,062	112,220	131,681.999	0	0
? Common Stock	5,966	5,966	6,524	7,753	7,753	7,753	7,753	7,753	7,753	7,753
? Retained Earnings	103,994	118,363	59,314	75,171	90,341	99,062	112,220	131,682	145,782	148,487
? Additional Paid In Capital										0
? Total Stockholders Equity	207,378	208,035	225,088	229,848	244,190	261,160	245,798	206,324	229,809	229,030
? Total Equity	207,378	-58,708	-3,022	-1,085	64,918	-403,183	-269,130	14,881	229,809	229,030
? Minority Interest	0	-266,743	-228,110	-230,933	-179,272	-664,343	-514,928	-191,443	0	0
? Total Liabilities And Total Equity	1,455,506	1,504,839	1,603,209	1,695,176	1,764,243	2,203,235	2,554,901	2,573,023	2,478,622	2,395,081
? Total Investments	751,392	781,104	941,046	883,068	845,330	715,452	2,352,160	1,868,830	978,677	330,400
? Total Debt	464,661	407,305	396,547	408,668	18,000	6,185	378,063	9,499	8,477	0
? Net Debt	279,241	258,639	227,069	214,345	-172,498	-418,610	365,762	-191,443	-363,991	-19,328
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	23,056	24,348	25,014	30,268	30,404	25,176	28,604	34,904	30,059	19,168
? Depreciation And Amortization	8,859	9,429	11,341	11,238	10,939	11,269	5,172	4,701	4,969	4,330
? Deferred Income Tax	-137	319	3,997	-3,521	1,247	-874	-698	-1,163	-284	-1,046
? Stock Based Compensation	2,059	1,959	2,339	3,006	3,144	2,267	2,859	6,732	4,139	3,167
? Change In Working Capital	4,597	4,494	326	13,096	-2,220	6,416	-2,207	-4,280	-4,516	0
? Accounts Receivables	-839	-4,070	-4,656	4,709	988	756	-602	-2,520	-3,841	-3,336
? Inventory	0	0	-22,627	23,341	22,400	-210,495	-215,016	0	-3,769	0
? Accounts Payables	-78,169	65,028	19,601	-19,595	-22,400	210,495	215,016	17,204	3,769	77,907
? Net Cash Provided By Operating Activities	33,493	35,189	38,890	48,335	42,126	47,781	34,547	51,608	36,936	38,949
? Investments In Property Plant And Equipment	-5,747	-4,684	-4,127	-4,399	-2,723	-2,001	-4,369	-5,866	-14,324	0
? Acquisitions Net	10,882	-5,771	-21,335	-35,336	-2,833	-119,183	-68,664	-4,814	0	0
? Purchases Of Investments	-161,279	-96,290	-124,777	-82,022	-50,970	-20,043	-494,226	-232,083	-15,332	-119,744
? Sales Maturities Of Investments	137,807	65,015	44,156	96,636	26,150	85,732	160,725	65,047	150,816	213,318
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	3,951
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-7,248
? Net Dividends Paid	-9,697	-9,979	-10,675	-13,177	-15,234	-15,599	-15,446	-15,442	-15,959	-16,463
? Common Dividends Paid										-16,463
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	-71,020	19,933	62,316	1,283	6,652	462,693	338,370	-59,204	-150,072	-65,640
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-41,163	13,571	-38,633	2,823	-26,979	466,574	-155,600	-313,986	171,526	-22,740
? Cash At End Of Period	253,172	266,743	228,110	230,933	203,954	670,528	514,928	200,942	372,468	349,728
? Cash At Beginning Of Period	294,335	253,172	266,743	228,110	230,933	203,954	670,528	514,928	200,942	372,468
? Operating Cash Flow	33,493	35,189	38,890	48,335	42,126	47,781	34,547	51,608	36,936	38,949
? Capital Expenditure	-5,747	-4,684	-4,127	-4,399	-2,723	-2,001	-4,369	-5,866	-14,324	0
? Free Cash Flow	27,746	30,505	34,763	43,936	39,403	45,780	30,178	45,742	22,612	38,949
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	165,443.900	181,988.289	200,187.116	220,205.826	242,226.406	183,859	194,971	198,661	212,000	228,307
Estimated Revenue (High)	248,165.866	272,982.450	300,280.694	330,308.762	363,339.637	183,859	194,971	198,661	212,000	228,307
Estimated Revenue (Avg)	206,804.883	227,485.370	250,233.905	275,257.294	302,783.022	183,859	194,971	198,661	212,000	228,307
Estimated Ebitda (Low)	57,184.494	62,902.942	69,193.234	76,112.556	83,723.809	92,096.188	101,305.805	22,323.484	23,822.384	25,654.797
Estimated Ebitda (High)	85,776.742	94,354.414	103,789.855	114,168.838	125,585.720	138,144.290	151,958.717	22,323.484	23,822.384	25,654.797
Estimated Ebitda (Avg)	71,480.618	78,628.679	86,491.545	95,140.697	104,654.765	115,120.239	126,632.261	22,323.484	23,822.384	25,654.797
Estimated Net Income (Low)	31,249.240	34,374.162	37,811.576	41,592.732	45,752.001	50,327.200	55,359.917	20,667.001	36,098.362	43,400.703
Estimated Net Income (High)	46,873.865	51,561.249	56,717.371	62,389.106	68,628.014	75,490.814	83,039.894	20,667.001	36,098.362	43,400.703
Estimated Net Income (Avg)	39,061.553	42,967.706	47,264.474	51,990.919	57,190.008	62,909.007	69,199.906	20,667.001	36,098.362	43,400.703
Estimated SGA Expense (Low)	83,468.088	91,814.894	100,996.380	111,096.017	122,205.617	134,426.177	147,868.792	95,209.829	101,602.649	109,417.905
Estimated SGA Expense (High)	125,202.146	137,722.359	151,494.593	166,644.051	183,308.454	201,639.297	221,803.225	95,209.829	101,602.649	109,417.905
Estimated SGA Expense (Avg)	104,335.117	114,768.627	126,245.487	138,870.034	152,757.036	168,032.737	184,836.009	95,209.829	101,602.649	109,417.905
Estimated EPS (Avg)	2.730	2.990	3.300	3.630	3.990	2.570	2.140	1.500	2.620	3.150
Estimated EPS (High)	3.250	3.570	3.930	4.340	4.760	2.570	2.140	1.500	2.620	3.150
Estimated EPS (Low)	2.200	2.410	2.660	2.920	3.220	2.570	2.140	1.500	2.620	3.150
Number of Analysts (Estimated Revenue)	15	16	8	17	15	1	1	1	1	1
Number of Analysts (Estimated EPS)	15	16	8	17	15	1	1	1	1	1

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Current Key Metrics

?	Revenue (TTM) :	219.894M	?	P/S (TTM) :	2.66
?	Net Income (TTM) :	19.168M	?	P/E (TTM) :	26.41
?	Enterprise Value (TTM) :	331.896M	?	EV/FCF (TTM) :	7.82
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.79
?	ROE (TTM) :	0.09	?	ROIC (TTM) :	0.08
?	Net Debt (TTM) :	-342300000	?	Debt/Equity (TTM) :	0
?	P/B (TTM) :	2.37	?	Current Ratio (TTM) :	0.26

Forward P/E Ratios

?

Forward P/E calculated based on:

Forward P/E 1Y	Forward P/E 2Y	Forward P/E 3Y	Forward P/E 4Y	Forward P/E 5Y
15.54	14.19	12.85	11.69	10.63

SWOT Analysis

No SWOT analysis available for this stock.

CASS

2.56

3.06

-0.14

-1.03

2.32

5.1

8.96

Trading Metrics:

Open:	41.05	Previous Close:	41.36
Day Low:	41.05	Day High:	42.53
Year Low:	37.99	Year High:	47.14
Price Avg 50:	41.69	Price Avg 200:	42.27
Volume:	32950	Average Volume:	48376

Relevant news

06-02-2025 10:40

Are Computer and Technology Stocks Lagging Cass Information Systems (CASS) This Year?

CASS

Cass Information Systems, Inc.

About The Company

Revenue Segmentation

EPS

Earnings Call

Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Current Key Metrics

Forward P/E Ratios

SWOT Analysis

Relevant news

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