Cass Information Systems Inc (CASS)
NASDAQ:CASS
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CASS Stock Chart & Stats
$41.71
-$0.06(-0.15%)
At close: 4:00 PM EST
$41.71
-$0.06(-0.15%)
Day’s Range― - ―
52-Week Range$36.07 - $48.31
Previous CloseN/A
Volume21.85K
Average Volume (3M)77.38K
Market Cap
$605.79M
Enterprise Value$241.59M
Total Cash (Recent Filing)$392.27M
Total Debt (Recent Filing)$4.51M
Price to Earnings (P/E)16.4
Beta0.71
Next Earnings
Jul 16, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.98%
Share Statistics
EPS (TTM)N/A
Shares Outstanding12,908,298
10 Day Avg. Volume68,236
30 Day Avg. Volume77,381
Financial Highlights & Ratios
PEG Ratio0.18
Price to Book (P/B)2.25
Price to Sales (P/S)2.86
P/FCF Ratio17.23
Enterprise Value/Market Cap0.40
Enterprise Value/Revenue1.19
Enterprise Value/Gross Profit1.34
Enterprise Value/Ebitda5.48
Forecast
1Y Price Target
$50.00Price Target Upside19.88% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.81
Revenue Forecast (FY)$205.70M
Bulls Say, Bears Say
Bulls Say
Conservative Balance SheetCass's minimal leverage and very low debt-to-equity materially reduce financial risk and preserve flexibility. This durable strength supports the bank-processing model, enables sustained dividends and buybacks, and provides room to absorb operational shocks without refinancing pressure.
Rebounding Profitability & MarginsA sharp margin rebound (net ~18.4%, operating ~20.3% in 2025) reflects stronger earnings power and improved efficiency. Higher margins enhance free cash generation capacity over time, supporting shareholder returns and reinvestment even if top-line growth is uneven.
Integrated Payments And Bank ModelOwning both the payment-processing platform and Cass Bank creates durable competitive advantages: capture of fee and net interest income, sticky client relationships, cross-selling of treasury services, and higher switching costs for enterprise AP customers.
Bears Say
Revenue Decline & Top-line VolatilityDeclining revenue and uneven growth trends constrain scalability of the business model. Even with improved margins, persistent top-line weakness limits sustainable earnings growth, increases reliance on margin improvements, and raises execution risk for strategic expansion.
Volatile Free Cash FlowMaterial FCF volatility and inconsistent conversion from earnings increase sensitivity to working-capital swings. This structural variability can limit the company's ability to reliably fund buybacks, dividends, or investments without relying on operational timing or balance-sheet maneuvers.
Reliance On Non-debt Liabilities/floatFunding a large asset base via deposits/float and other non-debt liabilities creates structural sensitivity to client payment flows and deposit behavior. While not traditional debt, this funding profile can constrain growth and operational flexibility if client activity or deposit patterns shift.
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 $48.30 in the past 12 months.
What is Cass Information Systems Inc’s market cap?
Cass Information Systems Inc’s market cap is $605.79M.
When is Cass Information Systems Inc’s upcoming earnings report date?
Cass Information Systems Inc’s upcoming earnings report date is Jul 16, 2026 which is in 88 days.
How were Cass Information Systems Inc’s earnings last quarter?
Currently, no data Available
Is Cass Information Systems Inc overvalued?
According to Wall Street analysts Cass Information Systems Inc’s price is currently Undervalued.
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 2.98%. 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 for its next earnings report is not yet available.
How many shares outstanding does Cass Information Systems Inc have?
Cass Information Systems Inc has 12,908,298 shares outstanding.
What happened to Cass Information Systems Inc’s price movement after its last earnings report?
Currently, no data Available
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
Cass Information Systems Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$50.00 (19.88% Upside)
$50.00 (19.88% Upside)
Blogger Sentiment
Neutral
CASS Sentiment 50%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 70.5K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.16%
12-Months-Change
Fundamentals
Return on Equity
14.61%
Trailing 12-Months
Asset Growth
8.81%
Trailing 12-Months
Company Description
Cass Information Systems Inc
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.
CASS Stock 12 Month Forecast
Average Price Target
$50.00
▲(19.88% Upside)
Technical Analysis
Ownership Overview
3.94% Insiders
17.94% Mutual Funds
15.77% Other Institutional Investors
47.83% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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