Cass Information Systems Inc (CASS)
NASDAQ:CASS
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Cass Information Systems
(NASDAQ:CASS)
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Rating:63Neutral
Price Target:
$49.00
▲(17.48% Upside)
Action:Downgraded
Date:05/14/26
The score is driven primarily by solid profitability but constrained by flat-to-down revenue, weakening cash flow trends, and higher leverage. Valuation is reasonable with a meaningful dividend yield, while technical signals are mixed-to-soft, and recent corporate updates are generally positive.
Positive Factors
Sustained Profitability
Consistently strong margins (net ~17%, EBIT ~19%) indicate durable operating leverage in payment and banking activities. High profitability provides internal capital for dividends, buybacks and selective reinvestment, and cushions the business against cyclical weakness in transaction volumes.
Negative Factors
Stagnant-to-Declining Revenue
Revenue has been flat-to-down, reflecting soft transaction volumes in core categories. Persistent top-line stagnation limits the scalability of strong margins and constrains long-term EPS growth absent material gains in client volumes, pricing, or new service expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Profitability
Consistently strong margins (net ~17%, EBIT ~19%) indicate durable operating leverage in payment and banking activities. High profitability provides internal capital for dividends, buybacks and selective reinvestment, and cushions the business against cyclical weakness in transaction volumes.
Read all positive factors
Cass Information Systems (CASS) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$596.32M
Dividend Yield2.98%
Average Volume (3M)77.38K
Price to Earnings (P/E)15.9
Beta (1Y)0.65
Revenue Growth-3.39%
EPS Growth71.37%
CountryUS
Employees1,008
SectorIndustrials
Sector Strength72
IndustrySpecialty Business Services
Share Statistics
EPS (TTM)2.68
Shares Outstanding12,871,149
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 Cap0.83
Enterprise Value/Revenue2.47
Enterprise Value/Gross Profit2.68
Enterprise Value/Ebitda11.63
Forecast
1Y Price Target
$50.00Price Target Upside19.88% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.9
Revenue Forecast (FY)$205.74M
Cass Information Systems Business Overview & Revenue Model
Company Description
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 compa...
How the Company Makes Money
Cass Information Systems makes money primarily from (1) fees tied to payment and information processing services and (2) banking-related income from Cass Commercial Bank.
1) Payment and information processing fees (Cass Information Systems segmen...
Cass Information Systems Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
64
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 201.20M | 191.10M | 219.89M | 213.23M | 187.31M | 155.19M |
| Gross Profit | 185.57M | 191.10M | 187.66M | 187.14M | 174.42M | 143.67M |
| EBITDA | 42.72M | 38.76M | 30.21M | 42.44M | 47.60M | 38.99M |
| Net Income | 34.98M | 35.12M | 19.17M | 30.06M | 34.90M | 28.60M |
Balance Sheet | ||||||
| Total Assets | 2.53B | 2.61B | 2.40B | 2.48B | 2.57B | 2.55B |
| Cash, Cash Equivalents and Short-Term Investments | 244.34M | 392.27M | 877.75M | 999.59M | 955.41M | 1.19B |
| Total Debt | 145.00M | 4.51M | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Liabilities | 2.29B | 2.36B | 2.17B | 2.25B | 2.37B | 2.31B |
| Stockholders Equity | 241.79M | 243.00M | 229.03M | 229.81M | 206.32M | 245.80M |
Cash Flow | ||||||
| Free Cash Flow | 25.44M | 31.77M | 29.62M | 22.61M | 45.74M | 30.18M |
| Operating Cash Flow | 30.42M | 37.44M | 38.95M | 36.94M | 51.61M | 34.55M |
| Investing Cash Flow | -219.12M | -145.28M | 3.95M | 284.66M | -306.39M | -528.52M |
| Financing Cash Flow | 212.37M | 150.38M | -65.64M | -150.07M | -59.20M | 338.37M |
Cass Information Systems Technical Analysis
Positive
41.71
Price Trends
45.90
Positive
44.75
Positive
42.69
Positive
Market Momentum
-0.07
Positive
48.92
Neutral
37.43
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CASS, the sentiment is Positive. The current price of 41.71 is below the 20-day moving average (MA) of 46.85, below the 50-day MA of 45.90, and below the 200-day MA of 42.69, indicating a neutral trend. The MACD of -0.07 indicates Positive momentum. The RSI at 48.92 is Neutral, neither overbought nor oversold. The STOCH value of 37.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CASS.
Cass Information Systems Risk Analysis
Cass Information Systems disclosed 30 risk factors in its most recent earnings report. Cass Information Systems reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Cass Information Systems Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $3.16B | 8.91 | 21.75% | 1.38% | -1.44% | 33.09% | |
69 Neutral | $4.59B | 49.97 | 6.24% | 0.71% | 0.76% | -8.22% | |
68 Neutral | $2.62B | 235.83 | 0.66% | ― | 53.53% | ― | |
67 Neutral | $1.69B | 2.56 | 8.32% | ― | 28.34% | 67.93% | |
65 Neutral | $2.31B | 17.89 | 8.80% | 2.20% | 5.59% | 100.00% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
63 Neutral | $596.32M | 15.95 | 14.44% | 2.98% | -3.39% | 71.37% |
* Industrials Sector Average
CASS
Cass Information Systems
46.33
5.04
12.20%
ABM
ABM Industries
39.55
-10.52
-21.01%
CBZ
CBIZ
31.59
-40.66
-56.28%
MMS
Maximus
60.13
-12.30
-16.98%
UNF
UniFirst
264.33
81.01
44.19%
FA
First Advantage
15.28
-2.16
-12.39%
Cass Information Systems Corporate Events
Executive/Board ChangesDividendsFinancial DisclosuresShareholder Meetings
Cass Information Systems Reports Strong Q1 Results, Board Changes
Positive
Apr 23, 2026
At its April 21, 2026 annual meeting, Cass shareholders elected seven directors, including new board member John J. Drabik, while long-serving directors Ralph W. Clermont, James L. Lindemann and Sally H. Roth retired after choosing not to seek re-...
Business Operations and StrategyExecutive/Board Changes
Cass Information Systems Announces New Bank Leadership Team
Positive
Mar 30, 2026
On March 29, 2026, Cass Information Systems reshaped its banking leadership as longtime Cass Commercial Bank president Dwight D. Erdbruegger became executive vice president of strategy and business operations while preparing to retire in September...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.