Cass Information Systems (CASS) AI Stock Analysis

• Market Cap: $609.27M
• Dividend Yield: 2.98%
• Average Volume (3M): 77.38K
• Price to Earnings (P/E): 16.4
• Beta (1Y): 0.71
• Revenue Growth: -4.96%
• EPS Growth: 39.42%
• Country: US
• Employees: 1,008
• Sector: Industrials
• Sector Strength: 72
• Industry: Specialty Business Services
• EPS (TTM): 0.68
• Shares Outstanding: 12,908,298
• 10 Day Avg. Volume: 68,236
• 30 Day Avg. Volume: 77,381
• PEG Ratio: 0.18
• Price to Book (P/B): 2.25
• Price to Sales (P/S): 2.86
• P/FCF Ratio: 17.23
• Enterprise Value/Market Cap: 0.38
• Enterprise Value/Revenue: 1.13
• Enterprise Value/Gross Profit: 1.27
• Enterprise Value/Ebitda: 5.21
• 1Y Price Target: $50.00
• Price Target Upside: 19.88% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 2.81
• Revenue Forecast (FY): $205.70M

• Rating: 73 Outperform
• Price Target: $48.00 ▲(15.08% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is driven primarily by strong financial fundamentals—especially the low-leverage balance sheet and improved profitability—supported by reasonable valuation and positive corporate actions (dividend increase and buybacks). These strengths are tempered by weaker near-term technical momentum and some revenue/FCF volatility.

Positive Factors

Conservative balance sheet

Cass'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.

Negative Factors

Revenue decline & top-line volatility

Declining 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.

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...

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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 through (1) fees for its payment and information management services and (2) banking-related income earned through Cass Bank. 1) Processing and information services fees (Cass Commercial Services): C...

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Cass Information Systems makes money primarily through (1) fees for its payment and information management services and (2) banking-related income earned through Cass Bank. 1) Processing and information services fees (Cass Commercial Services): C...

Cass Information Systems Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	191.10M	219.89M	213.23M	187.31M	155.19M
Gross Profit	191.10M	187.66M	187.14M	174.42M	143.67M
EBITDA	38.76M	30.21M	42.44M	47.60M	38.99M
Net Income	35.12M	19.17M	30.06M	34.90M	28.60M
Balance Sheet
Total Assets	2.61B	2.40B	2.48B	2.57B	2.55B
Cash, Cash Equivalents and Short-Term Investments	392.27M	349.73M	372.47M	200.94M	514.93M
Total Debt	4.51M	7.43M	0.00	0.00	0.00
Total Liabilities	2.36B	2.17B	2.25B	2.37B	2.31B
Stockholders Equity	243.00M	229.03M	229.81M	206.32M	245.80M
Cash Flow
Free Cash Flow	31.77M	29.62M	22.61M	45.74M	30.18M
Operating Cash Flow	37.44M	38.95M	36.94M	51.61M	34.55M
Investing Cash Flow	-145.28M	3.95M	284.66M	-306.39M	-528.52M
Financing Cash Flow	150.38M	-65.64M	-150.07M	-59.20M	338.37M

Cass Information Systems Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 41.71
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 44.37, below the 50-day MA of 44.65, and below the 200-day MA of 42.02, indicating a bullish trend. The MACD of 0.38 indicates Negative momentum. The RSI at 72.86 is Negative, neither overbought nor oversold. The STOCH value of 89.10 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CASS.

Cass Information Systems Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CASS	73 Outperform	$609.27M	16.40	14.61%	2.98%	-4.96%	39.42%
UNF	69 Neutral	$4.47B	49.97	6.24%	0.71%	0.20%	2.72%
MMS	67 Neutral	$3.59B	12.60	21.76%	1.38%	2.36%	11.30%
ABM	65 Neutral	$2.31B	17.89	8.80%	2.20%	4.62%	102.72%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
FA	63 Neutral	$1.94B	-72.27	-2.68%	―	93.41%	-2515.85%
CBZ	60 Neutral	$1.52B	27.64	6.21%	―	59.19%	-35.47%

Cass Information Systems Corporate Events