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Cass Information Systems Inc (CASS)
NASDAQ:CASS
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Cass Information Systems (CASS) Price & Analysis

170 Followers

CASS Stock Chart & Stats

$54.25
$0.54(1.00%)
At close: 4:00 PM EDT
$54.25
$0.54(1.00%)

Bulls Say, Bears Say

Bulls Say
High Margins & Cash ConversionSustained high margins and free cash flow roughly equal to net income indicate durable earnings quality and strong cash conversion. That cash profile supports reinvestment, dividends and buybacks, provides a buffer in downturns, and underpins long-term financial flexibility.
Integrated Payments + Bank Funding ModelCass's combined information-services and commercial-bank model creates a structural advantage: client-held deposits from payment processing provide a sticky, low-cost funding source that boosts net interest income, increases switching costs, and supports cross-sell opportunities over the medium term.
Capital Returns And Improved NIMManagement's dividend declaration, buybacks and a reported 4.00% net interest margin reflect stronger core profitability and disciplined capital allocation. Combined with maintained asset quality, these are durable signals of capital strength and alignment with shareholders when sustained beyond a single quarter.
Bears Say
Revenue VolatilityTop-line inconsistency—yearly declines followed by rebounds—shows revenue is sensitive to transaction volumes and end-market cycles. That volatility complicates forecasting, makes margin maintenance reliant on cost discipline, and increases execution risk for multi-quarter growth plans.
Higher Leverage Vs Prior YearsLeverage has risen materially from a prior minimal-debt position, reducing financial optionality. While still moderate, higher debt increases exposure to interest-cost swings and heightens the need for consistent cash generation to support dividends and buybacks without impairing liquidity in stress scenarios.
Earnings Tied To Freight Pricing & RatesA portion of recent earnings strength comes from favorable freight pricing and higher interest rates—factors that can revert. Reliance on these external conditions makes core earnings susceptible to normalization, meaning sustained performance requires offsetting structural growth or product diversification.

Cass Information Systems News

CASS FAQ

What was Cass Information Systems Inc’s price range in the past 12 months?
Cass Information Systems Inc lowest stock price was $36.07 and its highest was $59.63 in the past 12 months.
    What is Cass Information Systems Inc’s market cap?
    Cass Information Systems Inc’s market cap is $728.54M.
      When is Cass Information Systems Inc’s upcoming earnings report date?
      Cass Information Systems Inc’s upcoming earnings report date is Oct 15, 2026 which is in 53 days.
        How were Cass Information Systems Inc’s earnings last quarter?
        Cass Information Systems Inc released its earnings results on Jul 23, 2026. The company reported $0.71 earnings per share for the quarter, missing the consensus estimate of $0.72 by -$0.01.
          Is Cass Information Systems Inc overvalued?
          According to Wall Street analysts Cass Information Systems Inc’s price is currently Undervalued. Get more investment ideas with TipRanks Premium
            Does Cass Information Systems Inc pay dividends?
            Cass Information Systems Inc pays a Quarterly dividend of $0.32 which represents an annual dividend yield of 2.25%. See more information on Cass Information Systems Inc dividends here
              What is Cass Information Systems Inc’s EPS estimate?
              Cass Information Systems Inc’s EPS estimate is 0.8.
                How many shares outstanding does Cass Information Systems Inc have?
                Cass Information Systems Inc has 12,806,149 shares outstanding.
                  What happened to Cass Information Systems Inc’s price movement after its last earnings report?
                  Cass Information Systems Inc reported an EPS of $0.71 in its last earnings report, missing expectations of $0.72. Following the earnings report the stock price went up 2.761%.
                    Which hedge fund is a major shareholder of Cass Information Systems Inc?
                    Currently, no hedge funds are holding shares in CASS
                    What is the TipRanks Smart Score and how is it calculated?
                    Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                      Company Description

                      Cass Information Systems Inc

                      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.

                      Cass Information Systems (CASS) Earnings & Revenues

                      CASS Stock 12 Month Forecast

                      Average Price Target

                      $58.50
                      ▲(7.83% Upside)
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