(CASS) Cass Information Systems - Ratings and Ratios
Payment Processing, Information Services, Banking Services, Telecom Management
CASS EPS (Earnings per Share)
CASS Revenue
Description: CASS Cass Information Systems
Cass Information Systems, Inc. is a US-based company that offers a comprehensive suite of payment and information processing services to various industries, including manufacturing, distribution, and retail. The companys operations are divided into two main segments: Information Services and Banking Services, providing a range of solutions such as freight invoice rating, payment processing, and telecom expense management.
The companys Information Services segment provides auditing and accounting services, as well as transportation information generation. Additionally, Cass Information Systems processes and pays facility-related invoices, including electricity, gas, waste, and telecommunications expenses. The company also caters to faith-based and non-profit organizations with church management software and online generosity services.
Through its banking subsidiary, Cass Commercial Bank, the company offers a variety of banking products and services, including demand, savings, time, and money market deposits, as well as commercial, industrial, and real estate loans. The bank also provides cash management services to privately held businesses, restaurant franchises, and faith-based ministries. Furthermore, Cass Information Systems offers a B2B payment platform for clients seeking an agile fintech partner.
With a history dating back to 1906, Cass Information Systems has established itself as a reliable provider of payment and information processing services. The companys headquarters is located in St. Louis, Missouri, and operates through its banking facility near downtown St. Louis, an operating branch in Bridgeton, Missouri, and a leased facility in Colorado Springs, Colorado.
Analyzing the companys
Based on the
CASS Stock Overview
| Market Cap in USD | 568m |
| Sub-Industry | Data Processing & Outsourced Services |
| IPO / Inception | 1996-07-01 |
CASS Stock Ratings
| Growth Rating | 29.1% |
| Fundamental | 47.6% |
| Dividend Rating | 60.0% |
| Return 12m vs S&P 500 | -10.2% |
| Analyst Rating | 4.0 of 5 |
CASS Dividends
| Dividend Yield 12m | 2.90% |
| Yield on Cost 5y | 3.62% |
| Annual Growth 5y | 2.30% |
| Payout Consistency | 99.8% |
| Payout Ratio | 80.0% |
CASS Growth Ratios
| Growth Correlation 3m | -4.5% |
| Growth Correlation 12m | 27.5% |
| Growth Correlation 5y | 52.8% |
| CAGR 5y | 4.80% |
| CAGR/Max DD 5y | 0.16 |
| Sharpe Ratio 12m | 0.24 |
| Alpha | -8.33 |
| Beta | 0.616 |
| Volatility | 26.34% |
| Current Volume | 48.9k |
| Average Volume 20d | 48.9k |
| Stop Loss | 41.9 (-3.1%) |
| Signal | 1.97 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (25.4m TTM) > 0 and > 6% of Revenue (6% = 12.4m TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.17pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -76.92% (prev -510.7%; Δ 433.8pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 38.7m > Net Income 25.4m (YES >=105%, WARN >=100%) |
| Net Debt (-218.2m) to EBITDA (19.9m) ratio: -10.97 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (13.5m) change vs 12m ago -2.20% (target <= -2.0% for YES) |
| Gross Margin 77.11% (prev 85.83%; Δ -8.72pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.98% (prev 9.16%; Δ -0.18pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.83 (EBITDA TTM 19.9m / Interest Expense TTM 18.0m) >= 6 (WARN >= 3) |
Altman Z'' -0.12
| (A) -0.07 = (Total Current Assets 878.0m - Total Current Liabilities 1.04b) / Total Assets 2.32b |
| (B) 0.07 = Retained Earnings (Balance) 158.0m / Total Assets 2.32b |
| (C) 0.01 = EBIT TTM 14.9m / Avg Total Assets 2.30b |
| (D) 0.06 = Book Value of Equity 133.1m / Total Liabilities 2.08b |
| Total Rating: -0.12 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 47.64
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 1.71% = 0.85 |
| 3. FCF Margin 15.09% = 3.77 |
| 4. Debt/Equity 8.62 = -2.50 |
| 5. Debt/Ebitda 104.4 = -2.50 |
| 6. ROIC - WACC -0.87% = -1.08 |
| 7. RoE 10.77% = 0.90 |
| 8. Rev. Trend 26.53% = 1.33 |
| 9. Rev. CAGR -2.62% = -0.44 |
| 10. EPS Trend -31.59% = -0.79 |
| 11. EPS CAGR 1.00% = 0.10 |
What is the price of CASS shares?
Over the past week, the price has changed by -0.48%, over one month by +5.54%, over three months by +3.37% and over the past year by +5.49%.
Is Cass Information Systems a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CASS is around 43.12 USD . This means that CASS is currently overvalued and has a potential downside of -0.23%.
Is CASS a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the CASS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 50 | 15.7% |
| Analysts Target Price | 50 | 15.7% |
| ValueRay Target Price | 45.5 | 5.3% |
Last update: 2025-08-30 04:35
CASS Fundamental Data Overview
CCE Cash And Equivalents = 817.7m USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 27.1962
P/S = 2.5832
P/B = 2.3581
Beta = 0.489
Revenue TTM = 206.5m USD
EBIT TTM = 14.9m USD
EBITDA TTM = 19.9m USD
Long Term Debt = 1.04b USD (from nonCurrentLiabilitiesTotal, last quarter)
Short Term Debt = 1.04b USD (from totalCurrentLiabilities, last quarter)
Debt = 2.08b USD (Calculated: Short Term 1.04b + Long Term 1.04b)
Net Debt = -218.2m USD (from netDebt column, last quarter)
Enterprise Value = 1.83b USD (567.9m + Debt 2.08b - CCE 817.7m)
Interest Coverage Ratio = 0.83 (Ebit TTM 14.9m / Interest Expense TTM 18.0m)
FCF Yield = 1.71% (FCF TTM 31.2m / Enterprise Value 1.83b)
FCF Margin = 15.09% (FCF TTM 31.2m / Revenue TTM 206.5m)
Net Margin = 12.28% (Net Income TTM 25.4m / Revenue TTM 206.5m)
Gross Margin = 77.11% ((Revenue TTM 206.5m - Cost of Revenue TTM 47.3m) / Revenue TTM)
Tobins Q-Ratio = 13.72 (Enterprise Value 1.83b / Book Value Of Equity 133.1m)
Interest Expense / Debt = 0.20% (Interest Expense 4.16m / Debt 2.08b)
Taxrate = 20.86% (5.05m / 24.2m)
NOPAT = 11.8m (EBIT 14.9m * (1 - 20.86%))
Current Ratio = 0.85 (Total Current Assets 878.0m / Total Current Liabilities 1.04b)
Debt / Equity = 8.62 (Debt 2.08b / last Quarter total Stockholder Equity 240.8m)
Debt / EBITDA = 104.4 (Net Debt -218.2m / EBITDA 19.9m)
Debt / FCF = 66.59 (Debt 2.08b / FCF TTM 31.2m)
Total Stockholder Equity = 235.4m (last 4 quarters mean)
RoA = 1.09% (Net Income 25.4m, Total Assets 2.32b )
RoE = 10.77% (Net Income TTM 25.4m / Total Stockholder Equity 235.4m)
RoCE = 1.17% (Ebit 14.9m / (Equity 235.4m + L.T.Debt 1.04b))
RoIC = 1.04% (Ebit 14.9m / (Assets 2.32b - Current Assets 878.0m))
WACC = 1.90% (E(567.9m)/V(2.64b) * Re(8.28%)) + (D(2.08b)/V(2.64b) * Rd(0.20%) * (1-Tc(0.21)))
Shares Correlation 5-Years: -100.0 | Cagr: -0.88%
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 77.71% ; FCFE base≈29.4m ; Y1≈30.0m ; Y5≈32.9m
Fair Price DCF = 42.01 (DCF Value 555.2m / Shares Outstanding 13.2m; 5y FCF grow 1.53% → 3.0% )
Revenue Correlation: 26.53 | Revenue CAGR: -2.62%
Rev Growth-of-Growth: -10.29
EPS Correlation: -31.59 | EPS CAGR: 1.00%
EPS Growth-of-Growth: 25.68
Additional Sources for CASS Stock
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