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CASS stock logo

CASS

Cass Information Systems, Inc.

$44.41
0.08
 (0.18%)
Exchange:  NASDAQ
Market Cap:  581.073M
Shares Outstanding:  17.467M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Industrials
Industry:  Specialty Business Services
   
CEO:  Martin H. Resch
Full Time Employees:  1008
Address: 
12444 Powerscourt Drive
Saint Louis
MO
63131
US
Website:  https://www.cassinfo.com
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

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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
EBITDA42,44130,20738,759
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 Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)217,165.600Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)217,165.600Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)217,165.600Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)45,371.539Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)45,371.539Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)45,371.539Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)47,793.653Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)47,793.653Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)47,793.653Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)0Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)0Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.550Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.550Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.550Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
219.894M  ?P/S
 (TTM)
: 
2.85
?Net Income
 (TTM)
: 
19.168M  ?P/E
 (TTM)
: 
16.36
?Enterprise Value
 (TTM)
: 
193.314M  ?EV/FCF
 (TTM)
: 
6.08
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.47
?ROE
 (TTM)
: 
0.15  ?ROIC
 (TTM)
: 
0.2
?Net Debt
 (TTM)
: 
-342300000  ?Debt/Equity
 (TTM)
: 
0.02
?P/B
 (TTM)
: 
2.36  ?Current Ratio
 (TTM)
: 
1.1

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
15.31Full AccessFull AccessFull AccessFull 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.


Calculate CASS Intrinsic Value

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.

0.18
MARKETSnap

Trading Metrics:

Open: 43.96   Previous Close: 44.33
Day Low: 43.55   Day High: 44.48
Year Low: 36.07   Year High: 
Price Avg 50:    Price Avg 200: 
Volume:    Average Volume: 

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Relevant news

Cass Information Systems (NASDAQ:CASS) Stock Passes Above Two Hundred Day Moving Average   – Should You Sell?
Cass Information Systems: The Double Turnaround No One Is Watching
Ballast Asset Management LP Has $3.92 Million Stock Position in Cass Information Systems, Inc $CASS

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