View Future GrowthCass Information Systems 過去の業績過去 基準チェック /46Cass Information Systemsの収益は年間平均-2.7%の割合で減少していますが、 Diversified Financial業界の収益は年間 増加しています。収益は年間13.5% 7%割合で 増加しています。 Cass Information Systemsの自己資本利益率は12.9%であり、純利益率は15%です。主要情報-2.70%収益成長率-1.25%EPS成長率Diversified Financial 業界の成長6.15%収益成長率7.00%株主資本利益率12.95%ネット・マージン14.97%前回の決算情報31 Mar 2026最近の業績更新Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.68 (up from US$0.64 in 1Q 2025). Revenue: US$53.1m (up 3.2% from 1Q 2025). Net income: US$8.74m (up 2.2% from 1Q 2025). Profit margin: 17% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.3%. Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.Reported Earnings • Mar 09Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.37 in FY 2024). Revenue: US$207.4m (up 2.7% from FY 2024). Net income: US$31.1m (up 68% from FY 2024). Profit margin: 15% (up from 9.2% in FY 2024). The increase in margin was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.42 in FY 2024). Revenue: US$207.4m (down 5.7% from FY 2024). Net income: US$31.1m (up 62% from FY 2024). Profit margin: 15% (up from 8.7% in FY 2024). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.8% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectationsThird quarter 2025 results: EPS: US$0.70 (up from US$0.22 in 3Q 2024). Revenue: US$54.0m (down 2.8% from 3Q 2024). Net income: US$9.21m (up 213% from 3Q 2024). Profit margin: 17% (up from 5.3% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 7.9%. Revenue is forecast to stay flat during the next 3 years compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.Reported Earnings • Jul 18Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.39 (up from US$0.33 in 2Q 2024). Revenue: US$48.6m (down 11% from 2Q 2024). Net income: US$5.16m (up 15% from 2Q 2024). Profit margin: 11% (up from 8.3% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) also missed analyst estimates by 8.3%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 5.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.Reported Earnings • Apr 17First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.64 (up from US$0.53 in 1Q 2024). Revenue: US$51.4m (down 6.4% from 1Q 2024). Net income: US$8.55m (up 20% from 1Q 2024). Profit margin: 17% (up from 13% in 1Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.1%. Earnings per share (EPS) exceeded analyst estimates by 10%. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.すべての更新を表示Recent updatesSeeking Alpha • May 11Cass Information Systems: Improved EPS, Same Core Volume ProblemSummary Cass Information Systems maintains EPS momentum post one-offs, driven by net interest income, expense control, and buybacks. CASS’s valuation has improved, trading at 15.8x forward GAAP P/E, but lacks a compelling organic growth story to warrant a Buy rating. Transaction volumes and processing fees remain pressured; most profit growth is banking-driven rather than from core payment processing. My rating remains Hold: EPS growth is solid, but risks from volume declines, NIM peaking, and competition temper bullishness. Read the full article on Seeking AlphaBoard Change • May 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director John Drabik was the last director to join the board, commencing their role in 2026. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Declared Dividend • Apr 27First quarter dividend of US$0.32 announcedShareholders will receive a dividend of US$0.32. Ex-date: 5th June 2026 Payment date: 15th June 2026 Dividend yield will be 2.7%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (52% cash payout ratio). The dividend has increased by an average of 6.7% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 22% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.68 (up from US$0.64 in 1Q 2025). Revenue: US$53.1m (up 3.2% from 1Q 2025). Net income: US$8.74m (up 2.2% from 1Q 2025). Profit margin: 17% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.3%. Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.お知らせ • Apr 24Cass Information Systems, Inc. Announces Board and Committee Changes, Effective April 21, 2026Cass Information Systems, Inc. announced changes to its Board of Directors, effective April 21, 2026. John J. Drabik was elected as a member of the Board and also appointed to serve on the Company’s Audit and Risk Committee. Mr. Drabik is Executive Vice President and Chief Financial Officer of Energizer Holdings, Inc., where he oversees global finance, accounting, investor relations and information technology. He has been with Energizer and its predecessor organization since 2001 and has held senior leadership roles across corporate development, treasury, and accounting, including playing a key role in the company’s spin-off and its growth as a stand-alone public company. Prior to Energizer, Mr. Drabik began his career in public accounting at Arthur Andersen and later worked in the import/export division of May Department Stores. He holds a Bachelor of Science in Accountancy from the University of Missouri and an MBA from Washington University in St. Louis. The Company also announced that Sally H. Roth, James J. Lindemann, and Ralph W. Clermont retired from the Board of Directors after not standing for re-election at the Annual Meeting of Shareholders. Sally H. Roth (Sally) served as a director since 2019. Sally’s extensive career in banking has added substantial value to the Company, not only to the Board and its’ Nominating and Corporate Governance Committee, but also through her tenure on the Executive Loan Committee of Cass Commercial Bank. Ralph W. Clermont (Ralph) served as a director since 2015. Ralph has served the Company in a variety of committee memberships since his Board appointment, including as Chairman of the Audit and Risk Committee and member of the Nominating and Corporate Governance Committee. Ralph’s strategic guidance has been invaluable to the Company during his directorship. James L. Lindemann (Jim) served as a director since 2007. Jim’s distinguished career at Emerson Electric allowed him to bring valuable perspective to the Company from both strategic and governance standpoints. Jim served as Chairman of the Company’s Compensation Committee, providing valuable guidance on the compensation plans, policies and overall programs of the Company.New Risk • Apr 23New major risk - Revenue and earnings growthEarnings have declined by 3.6% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.Buy Or Sell Opportunity • Apr 09Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$47.20. The fair value is estimated to be US$38.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years. Earnings per share has declined by 11%. Revenue is forecast to grow by 4.7% in 2 years. Earnings are forecast to grow by 43% in the next 2 years.お知らせ • Mar 09Cass Information Systems, Inc., Annual General Meeting, Apr 21, 2026Cass Information Systems, Inc., Annual General Meeting, Apr 21, 2026. Location: the bogey club, 9266 clayton road, missouri 63124, saint louis United StatesReported Earnings • Mar 09Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.37 in FY 2024). Revenue: US$207.4m (up 2.7% from FY 2024). Net income: US$31.1m (up 68% from FY 2024). Profit margin: 15% (up from 9.2% in FY 2024). The increase in margin was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.Upcoming Dividend • Feb 24Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 03 March 2026. Payment date: 13 March 2026. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.2%). Higher than average of industry peers (1.1%).Declared Dividend • Jan 26Fourth quarter dividend of US$0.32 announcedShareholders will receive a dividend of US$0.32. Ex-date: 3rd March 2026 Payment date: 13th March 2026 Dividend yield will be 2.8%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (36% cash payout ratio). The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 43% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.42 in FY 2024). Revenue: US$207.4m (down 5.7% from FY 2024). Net income: US$31.1m (up 62% from FY 2024). Profit margin: 15% (up from 8.7% in FY 2024). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.8% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.お知らせ • Jan 22Cass Information Systems, Inc. Approves Quarterly Dividend, Payable on March 13, 2026Cass Information Systems, Inc. announced that On January 20, 2026, the Company’s Board of Directors approved a quarterly dividend of $0.32 per share with the dividend payable on March 13, 2026 to shareholders of record on March 3, 2026.Upcoming Dividend • Nov 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 December 2025. Payment date: 15 December 2025. Payout ratio is a comfortable 60% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (1.0%).分析記事 • Oct 28Cass Information Systems (NASDAQ:CASS) Will Pay A Larger Dividend Than Last Year At $0.32Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...Declared Dividend • Oct 27Third quarter dividend increased to US$0.32Dividend of US$0.32 is 3.2% higher than last year. Ex-date: 5th December 2025 Payment date: 15th December 2025 Dividend yield will be 3.2%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (60% earnings payout ratio) and cash flows (53% cash payout ratio). The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 39% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectationsThird quarter 2025 results: EPS: US$0.70 (up from US$0.22 in 3Q 2024). Revenue: US$54.0m (down 2.8% from 3Q 2024). Net income: US$9.21m (up 213% from 3Q 2024). Profit margin: 17% (up from 5.3% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 7.9%. Revenue is forecast to stay flat during the next 3 years compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.New Risk • Oct 23New major risk - Revenue and earnings growthEarnings have declined by 2.9% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.お知らせ • Oct 23Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2025, Payable on December 15, 2025Cass Information Systems, Inc. on October 21, 2025, the Company’s Board of Directors approved an increase in the quarterly dividend of $0.01 to $0.32 per share beginning with the dividend payable on December 15, 2025 to shareholders of record on December 5, 2025 for the fourth quarter of 2025.Major Estimate Revision • Oct 08Consensus EPS estimates fall by 18%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate fell from US$2.63 to US$2.16 per share. Revenue forecast steady at US$190.9m. Net income forecast to grow 69% next year vs 23% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$50.00 to US$47.00. Share price was steady at US$38.59 over the past week.Board Change • Sep 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. President, CEO & Director Martin Resch was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Upcoming Dividend • Aug 29Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 05 September 2025. Payment date: 15 September 2025. Payout ratio is on the higher end at 77%, however this is supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (0.9%).Declared Dividend • Jul 21Second quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 5th September 2025 Payment date: 15th September 2025 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (77% earnings payout ratio) and cash flows (39% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 96% over the next 3 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jul 18Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.39 (up from US$0.33 in 2Q 2024). Revenue: US$48.6m (down 11% from 2Q 2024). Net income: US$5.16m (up 15% from 2Q 2024). Profit margin: 11% (up from 8.3% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) also missed analyst estimates by 8.3%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 5.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.New Risk • Jul 17New major risk - Revenue and earnings growthEarnings have declined by 1.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.4% per year over the past 5 years. Minor Risk Profit margins are more than 30% lower than last year (9.3% net profit margin).お知らせ • Jul 17Cass Information Systems, Inc. Approves Quarterly Dividend, Payable on September 15, 2025On July 15, 2025, the Cass Information Systems, Inc.’s Board of Directors approved a quarterly dividend of $0.31per share with the dividend payable on September 15, 2025 to shareholders of record on September 5, 2025.New Risk • Jul 03New major risk - Revenue and earnings growthEarnings have declined by 1.5% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risk Profit margins are more than 30% lower than last year (9.3% net profit margin).Upcoming Dividend • May 27Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 03 June 2025. Payment date: 13 June 2025. Payout ratio is on the higher end at 80%, however this is supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.8%). Higher than average of industry peers (0.9%).Declared Dividend • Apr 25First quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 3rd June 2025 Payment date: 13th June 2025 Dividend yield will be 3.0%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (80% earnings payout ratio) and cash flows (56% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 35% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Apr 17First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.64 (up from US$0.53 in 1Q 2024). Revenue: US$51.4m (down 6.4% from 1Q 2024). Net income: US$8.55m (up 20% from 1Q 2024). Profit margin: 17% (up from 13% in 1Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.1%. Earnings per share (EPS) exceeded analyst estimates by 10%. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.お知らせ • Apr 17Cass Information Systems, Inc. Declares Second Quarter Dividend, Payable on June 13, 2025On April 15, 2025, Cass Information Systems, Inc.'s Board of Directors declared a second quarter dividend of $0.31 per share payable on June 13, 2025 to shareholders of record on June 3, 2025.お知らせ • Mar 07Cass Information Systems, Inc., Annual General Meeting, Apr 15, 2025Cass Information Systems, Inc., Annual General Meeting, Apr 15, 2025. Location: the bogey club located at 9266 clayton road, missouri 63124., saint louis United StatesReported Earnings • Mar 06Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$1.42 (down from US$2.22 in FY 2023). Revenue: US$219.9m (up 3.1% from FY 2023). Net income: US$19.2m (down 36% from FY 2023). Profit margin: 8.7% (down from 14% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.4%. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.Upcoming Dividend • Feb 25Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 04 March 2025. Payment date: 14 March 2025. Payout ratio is on the higher end at 85%, and the cash payout ratio is above 100%. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (0.9%).Declared Dividend • Jan 30Fourth quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 4th March 2025 Payment date: 14th March 2025 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by earnings (85% earnings payout ratio) but not covered by cash flows (112% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 82% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Seeking Alpha • Jan 29Cass Information Systems: Profit Declines And Strategic Challenges Warrant A HoldSummary Cass Information Systems faces significant profitability challenges, with a 45.4% decline in Q4 2024 net profit compared to Q4 2023. One-time losses, including bad debt and pension plan closure, and cybersecurity incidents have negatively impacted Cass's financial position. Macroeconomic factors, such as declining interest rates and deposit migration, pose additional risks to Cass's net interest income and overall profitability. Despite management's future plans, the current financial instability and competitive pressures suggest a HOLD position in the short to medium term. Read the full article on Seeking Alphaお知らせ • Jan 24Cass Information Systems, Inc. Declares A First Quarter Dividend, Payable on March 14, 2025Cass Information Systems, Inc. declared a first quarter dividend of $0.31 per share payable on March 14, 2025 to shareholders of record on March 4, 2025.Reported Earnings • Jan 23Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$1.42 (down from US$2.22 in FY 2023). Revenue: US$219.9m (up 3.1% from FY 2023). Net income: US$19.2m (down 36% from FY 2023). Profit margin: 8.7% (down from 14% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.4%. Revenue is forecast to grow 1.2% p.a. on average during the next 2 years, compared to a 4.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Major Estimate Revision • Dec 18Consensus EPS estimates fall by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$1.48 to US$1.27 per share. Revenue forecast steady at US$198.7m. Net income forecast to grow 32% next year vs 21% growth forecast for Diversified Financial industry in the US. Consensus price target up from US$45.00 to US$49.00. Share price fell 5.6% to US$42.02 over the past week.Price Target Changed • Dec 17Price target increased by 11% to US$49.00Up from US$44.00, the current price target is provided by 1 analyst. New target price is 12% above last closing price of US$43.89. Stock is down 2.4% over the past year. The company is forecast to post earnings per share of US$1.27 for next year compared to US$2.22 last year.Upcoming Dividend • Nov 26Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 03 December 2024. Payment date: 13 December 2024. Payout ratio is a comfortable 71% but the company is paying out more than the cash it is generating. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.2%). Higher than average of industry peers (0.9%).Seeking Alpha • Nov 13Cass Information Systems: Safe Dividend But Efficiency Needs Urgent ImprovementSummary Cass Information Systems operates in two segments: Information Services and Banking Services, with a diverse client base and international presence. Cass’s invoice processing and banking services give it a competitive advantage, but improving efficiency is still a top priority. Cass has a long-standing dividend history with low growth lately, supported by a strong balance sheet and no debt. Current valuation is high, with a Hold rating given due to limited growth potential and a preference for a lower entry point. Read the full article on Seeking Alpha分析記事 • Oct 29Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last YearCass Information Systems, Inc. ( NASDAQ:CASS ) will increase its dividend from last year's comparable payment on the...Declared Dividend • Oct 28Third quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 3rd December 2024 Payment date: 13th December 2024 Dividend yield will be 2.8%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (71% earnings payout ratio) and cash flows (63% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 72% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Major Estimate Revision • Oct 24Consensus EPS estimates fall by 20%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$1.85 to US$1.48 per share. Revenue forecast steady at US$198.2m. Net income forecast to grow 36% next year vs 23% growth forecast for Diversified Financial industry in the US. Consensus price target up from US$44.00 to US$45.00. Share price was steady at US$41.93 over the past week.Reported Earnings • Oct 17Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2024 results: EPS: US$0.22 (down from US$0.55 in 3Q 2023). Revenue: US$55.6m (up 2.9% from 3Q 2023). Net income: US$2.94m (down 60% from 3Q 2023). Profit margin: 5.3% (down from 14% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) missed analyst estimates by 58%. Revenue is forecast to stay flat during the next 2 years compared to a 4.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.お知らせ • Oct 17Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2024, Payable on December 13, 2024The Board of Directors of Cass Information Systems, Inc. approved an increase in the quarterly dividend from $0.30 to $0.31 per share for the fourth quarter of 2024, payable on December 13, 2024 to shareholders of record on December 3, 2024.Upcoming Dividend • Aug 27Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 03 September 2024. Payment date: 13 September 2024. Payout ratio is a comfortable 59% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (1.0%).Declared Dividend • Aug 02Second quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 3rd September 2024 Payment date: 13th September 2024 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (59% earnings payout ratio) and cash flows (76% cash payout ratio). The dividend has increased by an average of 7.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 26% over the next year, which should provide support to the dividend and adequate earnings cover.Major Estimate Revision • Jul 25Consensus EPS estimates fall by 16%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$202.1m to US$196.8m. EPS estimate also fell from US$2.21 per share to US$1.86 per share. Net income forecast to grow 17% next year vs 19% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$47.00 to US$44.00. Share price rose 3.7% to US$40.95 over the past week.Reported Earnings • Jul 19Second quarter 2024 earnings: EPS and revenues miss analyst expectationsSecond quarter 2024 results: EPS: US$0.33 (down from US$0.53 in 2Q 2023). Revenue: US$54.3m (up 4.9% from 2Q 2023). Net income: US$4.48m (down 37% from 2Q 2023). Profit margin: 8.3% (down from 14% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 40%. Revenue is forecast to grow 1.3% p.a. on average during the next 2 years, compared to a 3.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has fallen by 1% per year.お知らせ • Jul 19Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 13, 2024Cass Information Systems, Inc. announced on July 16, 2024, the company’s board of directors declared a third quarter dividend of $0.30 per share payable on September 13, 2024 to shareholders of record on September 3, 2024.Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$46.20, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 11x in the Diversified Financial industry in the US. Total returns to shareholders of 23% over the past three years.Buy Or Sell Opportunity • Jul 16Now 24% overvalued after recent price riseOver the last 90 days, the stock has risen 3.3% to US$46.20. The fair value is estimated to be US$37.18, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 8.5%. Revenue is forecast to decline by 4.5% in a year. Earnings are forecast to grow by 9.0% in the next year.Upcoming Dividend • May 28Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 04 June 2024. Payment date: 14 June 2024. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (1.0%).お知らせ • May 09Cass Information Systems Launches Working Capital Solution for Shippers and CarriersCass Information Systems, Inc. announced the availability of Amplify by Cass™, an addition to the Cass Financial Suite®? that helps enterprises and their freight carriers improve working capital levels. As freight flows become more efficient, Amplify by Cass bridges the gap between a shipper's efficiencies and desire to increase working capital and their carriers' needs to be paid timely. By adopting Amplify by Cass, shippers support some of their most valuable partners-- their carriers--by providing an early payment solution. Cass’s fully integrated freight payment solution blends invoice lifecycle management, optimized cash flow and payment options, deep spend visibility, and market intelligence to create a complete solution used by many of the world’s largest shippers.Buy Or Sell Opportunity • May 07Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 3.2% to US$44.37. The fair value is estimated to be US$36.95, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 8.5%. Revenue is forecast to decline by 3.4% in a year. Earnings are forecast to grow by 15% in the next year.Declared Dividend • May 06First quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 4th June 2024 Payment date: 14th June 2024 Dividend yield will be 2.7%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (76% cash payout ratio). The dividend has increased by an average of 7.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 19% over the next year, which should provide support to the dividend and adequate earnings cover.Reported Earnings • May 06First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.53 (up from US$0.52 in 1Q 2023). Revenue: US$55.0m (up 5.2% from 1Q 2023). Net income: US$7.15m (flat on 1Q 2023). Profit margin: 13% (in line with 1Q 2023). Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 12%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$210.8m to US$204.4m. EPS estimate also fell from US$2.74 per share to US$2.35 per share. Net income forecast to grow 15% next year vs 17% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$51.00 to US$47.00. Share price was steady at US$43.44 over the past week.Price Target Changed • Apr 22Price target decreased by 7.8% to US$47.00Down from US$51.00, the current price target is provided by 1 analyst. New target price is 13% above last closing price of US$41.65. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.35 for next year compared to US$2.22 last year.分析記事 • Apr 20What Cass Information Systems, Inc.'s (NASDAQ:CASS) P/E Is Not Telling YouWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") below 16x, you may...Reported Earnings • Apr 19First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.53 (up from US$0.52 in 1Q 2023). Revenue: US$55.0m (up 5.2% from 1Q 2023). Net income: US$7.15m (flat on 1Q 2023). Profit margin: 13% (in line with 1Q 2023). Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 12%. Revenue is forecast to grow 2.6% p.a. on average during the next 2 years, compared to a 4.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.お知らせ • Mar 08Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024, at 08:30 Central Standard Time. Location: The Bogey Club, located at 9266 Clayton Road, Saint Louis, Missouri 63124 Saint Louis Missouri United States Agenda: To elect three directors to serve, each for a three-year term; to hold a non-binding advisory vote on executive compensation; to ratify the appointment of KPMG LLP as the independent registered public accounting firm for 2024; and to consider and act upon such other matters as may properly come before the Annual Meeting or any adjournment thereof.Reported Earnings • Mar 04Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$2.22 (down from US$2.58 in FY 2022). Revenue: US$213.2m (up 14% from FY 2022). Net income: US$30.1m (down 14% from FY 2022). Profit margin: 14% (down from 19% in FY 2022). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 6.9%. Revenue is forecast to grow 2.7% p.a. on average during the next 2 years, compared to a 4.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Feb 26Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 04 March 2024. Payment date: 15 March 2024. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.8%). Higher than average of industry peers (1.0%).Declared Dividend • Feb 01Fourth quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 4th March 2024 Payment date: 15th March 2024 Dividend yield will be 2.7%, which is higher than the industry average of 1.1%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (56% cash payout ratio). The dividend has increased by an average of 8.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Reported Earnings • Jan 25Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$2.22 (down from US$2.58 in FY 2022). Revenue: US$213.2m (up 14% from FY 2022). Net income: US$30.1m (down 14% from FY 2022). Profit margin: 14% (down from 19% in FY 2022). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 6.9%. Revenue is forecast to grow 3.2% p.a. on average during the next 2 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.お知らせ • Jan 25Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2024Cass Information Systems, Inc. announced that on January 25, 2024, the company’s board of directors declared a first quarter dividend of $0.30 per share payable on March 15, 2024 to shareholders of record on March 5, 2024.Seeking Alpha • Jan 22Cass: Quarterly Headcount Growth, More Fees Charged, And UndervaluedSummary Cass Information Systems recently received recognition from FedEx, which may lead to new payment functionalities and attract new customers. The company's business model offers comprehensive information processing and payment services to large companies, with a focus on client diversification and specialized solutions. Recent investments in technology, headcount growth, and data management capabilities are expected to drive net sales growth, although volatility in interest rates and new technologies pose risks. Read the full article on Seeking AlphaPrice Target Changed • Dec 12Price target increased by 7.1% to US$45.00Up from US$42.00, the current price target is provided by 1 analyst. New target price is 5.5% above last closing price of US$42.65. Stock is down 3.2% over the past year. The company is forecast to post earnings per share of US$2.04 for next year compared to US$2.58 last year.Upcoming Dividend • Nov 27Upcoming dividend of US$0.30 per share at 2.9% yieldEligible shareholders must have bought the stock before 04 December 2023. Payment date: 15 December 2023. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (5.0%). Higher than average of industry peers (1.1%).分析記事 • Oct 22Cass Information Systems' (NASDAQ:CASS) Dividend Will Be Increased To $0.30Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...お知らせ • Oct 20Cass Information Systems, Inc. Approves an Increase in the Quarterly Dividend, Payable on December 15, 2023On October 17, 2023, Cass Information Systems, Inc.’s Board of Directors approved an increase in the quarterly dividend to $0.30 per share effective with the dividend payable on December 15, 2023 to shareholders of record on December 5, 2023.Reported Earnings • Oct 20Third quarter 2023 earnings: EPS misses analyst expectationsThird quarter 2023 results: EPS: US$0.55 (down from US$0.65 in 3Q 2022). Revenue: US$54.0m (up 11% from 3Q 2022). Net income: US$7.39m (down 16% from 3Q 2022). Profit margin: 14% (down from 18% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 1.8%. Revenue is forecast to stay flat during the next 2 years compared to a 5.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.分析記事 • Aug 28Cass Information Systems (NASDAQ:CASS) Will Pay A Dividend Of $0.29Cass Information Systems, Inc. ( NASDAQ:CASS ) will pay a dividend of $0.29 on the 15th of September. This makes the...Upcoming Dividend • Aug 25Upcoming dividend of US$0.29 per share at 3.0% yieldEligible shareholders must have bought the stock before 01 September 2023. Payment date: 15 September 2023. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (4.9%). Higher than average of industry peers (1.3%).分析記事 • Jul 30Cass Information Systems (NASDAQ:CASS) Is Due To Pay A Dividend Of $0.29The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per...Major Estimate Revision • Jul 27Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$199.8m to US$194.5m. EPS estimate also fell from US$2.58 per share to US$2.22 per share. Net income forecast to grow 12% next year vs 11% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$43.00 to US$42.00. Share price fell 2.8% to US$38.71 over the past week.お知らせ • Jul 23Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 15, 2023On July 18, 2023, Cass Information Systems, Inc. Board of Directors declared a third quarter dividend of $0.29 per share payable on September 15, 2023 to shareholders of record on September 5, 2023.Reported Earnings • Jul 20Second quarter 2023 earnings: EPS and revenues miss analyst expectationsSecond quarter 2023 results: EPS: US$0.53 (down from US$0.63 in 2Q 2022). Revenue: US$52.0m (up 17% from 2Q 2022). Net income: US$7.14m (down 17% from 2Q 2022). Profit margin: 14% (down from 19% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.2%. Earnings per share (EPS) also missed analyst estimates by 22%. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • May 26Upcoming dividend of US$0.29 per share at 3.0% yieldEligible shareholders must have bought the stock before 02 June 2023. Payment date: 15 June 2023. Payout ratio is a comfortable 46% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (5.1%). Higher than average of industry peers (1.4%).Recent Insider Transactions • Apr 25President recently bought US$80k worth of stockOn the 21st of April, Martin Resch bought around 2k shares on-market at roughly US$36.78 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Martin has been a buyer over the last 12 months, purchasing a net total of US$98k worth in shares.Major Estimate Revision • Apr 24Consensus EPS estimates fall by 15%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$207.8m to US$200.0m. EPS estimate also fell from US$3.03 per share to US$2.59 per share. Net income forecast to grow 12% next year vs 0.6% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$50.00 to US$43.00. Share price fell 12% to US$37.13 over the past week.Price Target Changed • Apr 20Price target decreased by 17% to US$43.00Down from US$52.00, the current price target is provided by 1 analyst. New target price is 14% above last closing price of US$37.61. Stock is down 8.6% over the past year. The company is forecast to post earnings per share of US$2.59 for next year compared to US$2.58 last year.分析記事 • Apr 19Cass Information Systems (NASDAQ:CASS) Ticks All The Boxes When It Comes To Earnings GrowthIt's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Reported Earnings • Apr 19First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.52 (down from US$0.61 in 1Q 2022). Revenue: US$49.0m (up 15% from 1Q 2022). Net income: US$7.12m (down 14% from 1Q 2022). Profit margin: 14% (down from 19% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 3.9%. Earnings per share (EPS) also missed analyst estimates by 27%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 03Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)Full year 2022 results: EPS: US$2.58 (up from US$2.03 in FY 2021). Revenue: US$183.8m (up 19% from FY 2021). Net income: US$34.9m (up 22% from FY 2021). Profit margin: 19% (in line with FY 2021). Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 10% growth forecast for the IT industry in the US. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 4% per year.Upcoming Dividend • Feb 23Upcoming dividend of US$0.29 per share at 2.4% yieldEligible shareholders must have bought the stock before 02 March 2023. Payment date: 15 March 2023. Trailing yield: 2.4%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (1.5%).分析記事 • Feb 19Cass Information Systems' (NASDAQ:CASS) Dividend Will Be $0.29Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per share on the 15th...お知らせ • Feb 18+ 1 more updateCass Information Systems, Inc. Announces Executive ChangesCass Information Systems, Inc. announced that Martin Resch, President and Chief Operating Officer, has been named President and Chief Executive Officer, effective April 18, 2023, and will join the Board of Directors at that time. Resch, 57, has been Cass’s President and Chief Operating Officer since February 2022 and Eric Brunngraber, 66, has served as CEO since 2008, will become Executive Chairman, effective April 18, 2023. Prior to joining Cass in November 2020, Resch was senior executive at Bank of the West in San Francisco, California. As executive vice president, Resch functioned as the commercial banking group’s chief administrative officer/chief operating officer with responsibility for strategy, operations, finance, technology and human resources, as well as collaborating with a B2B FinTech incubator. His other roles at Bank of the West included corporate treasurer and leading the regulatory response to the Dodd-Frank and Volcker legislation. Resch, who holds dual citizenship in the United States and Austriaand speaks fluent German, earned his bachelor’s degree in computer science from Oregon State University and master’s degree in business administration from Cornell University. He is also a graduate of the Pacific Coast Graduate School of Banking in Seattle, Washington.分析記事 • Feb 03Cass Information Systems (NASDAQ:CASS) Has Affirmed Its Dividend Of $0.29The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend on the 15th of...お知らせ • Jan 28Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2023Cass Information Systems, Inc. announced that on January 24, 2023, the Company’s Board of Directors declared a first quarter dividend of $0.29 per share payable on March 15, 2023 to shareholders of record on March 3, 2023.Reported Earnings • Jan 23Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)Full year 2022 results: EPS: US$2.58 (up from US$2.03 in FY 2021). Revenue: US$183.8m (up 19% from FY 2021). Net income: US$34.9m (up 22% from FY 2021). Profit margin: 19% (in line with FY 2021). Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 10% growth forecast for the IT industry in the US. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Recent Insider Transactions Derivative • Dec 04Chairman & CEO exercised options and sold US$265k worth of stockOn the 1st of December, Eric Brunngraber exercised 26.73k options at around US$31.92, then sold 23k of the shares acquired at an average of US$43.56 per share and kept the remainder. For the year to December 2015, Eric's total compensation was 32% salary and 68% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since March 2022, Eric has owned 105.91k shares directly. Company insiders have collectively sold US$245k more than they bought, via options and on-market transactions in the last 12 months.Upcoming Dividend • Nov 25Upcoming dividend of US$0.29 per shareEligible shareholders must have bought the stock before 02 December 2022. Payment date: 15 December 2022. Payout ratio is a comfortable 46% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (1.5%).収支内訳Cass Information Systems の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史NasdaqGS:CASS 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費31 Mar 26209316031 Dec 25207314030 Sep 252042711030 Jun 252022110031 Mar 252032011031 Dec 242021913030 Sep 24207236030 Jun 24209278031 Mar 24211307031 Dec 23193285030 Sep 23210316030 Jun 23204326031 Mar 23197347031 Dec 22187357030 Sep 22177336030 Jun 22167316031 Mar 22161306031 Dec 21155296030 Sep 21152276030 Jun 21149266031 Mar 21146256031 Dec 20148256030 Sep 20151258030 Jun 20156288031 Mar 20162308031 Dec 19163308030 Sep 19162317030 Jun 19159317031 Mar 19155307031 Dec 18152307030 Sep 18148296030 Jun 18144286031 Mar 18141276031 Dec 17137256030 Sep 17134266030 Jun 17131256031 Mar 17129256031 Dec 16126246030 Sep 16124246030 Jun 16123246031 Mar 16122236031 Dec 15122236030 Sep 15122235030 Jun 151212350質の高い収益: CASSは 高品質の収益 を持っています。利益率の向上: CASSの現在の純利益率 (15%)は、昨年(9.9%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: CASSの収益は過去 5 年間で年間2.7%減少しました。成長の加速: CASSの過去 1 年間の収益成長率 ( 56.1% ) は、5 年間の平均 ( 年間-2.7%を上回っています。収益対業界: CASSの過去 1 年間の収益成長率 ( 56.1% ) はDiversified Financial業界8.6%を上回りました。株主資本利益率高いROE: CASSの 自己資本利益率 ( 12.9% ) は 低い とみなされます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YDiversified-financials 、過去の業績が好調な企業。View Financial Health企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/21 12:45終値2026/05/21 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Cass Information Systems, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。3 アナリスト機関Michael RoseRaymond James & AssociatesStephen MossRaymond James & AssociatesJoseph YanchunisRaymond James & Associates
Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.68 (up from US$0.64 in 1Q 2025). Revenue: US$53.1m (up 3.2% from 1Q 2025). Net income: US$8.74m (up 2.2% from 1Q 2025). Profit margin: 17% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.3%. Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.
Reported Earnings • Mar 09Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.37 in FY 2024). Revenue: US$207.4m (up 2.7% from FY 2024). Net income: US$31.1m (up 68% from FY 2024). Profit margin: 15% (up from 9.2% in FY 2024). The increase in margin was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.42 in FY 2024). Revenue: US$207.4m (down 5.7% from FY 2024). Net income: US$31.1m (up 62% from FY 2024). Profit margin: 15% (up from 8.7% in FY 2024). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.8% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.
Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectationsThird quarter 2025 results: EPS: US$0.70 (up from US$0.22 in 3Q 2024). Revenue: US$54.0m (down 2.8% from 3Q 2024). Net income: US$9.21m (up 213% from 3Q 2024). Profit margin: 17% (up from 5.3% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 7.9%. Revenue is forecast to stay flat during the next 3 years compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.
Reported Earnings • Jul 18Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.39 (up from US$0.33 in 2Q 2024). Revenue: US$48.6m (down 11% from 2Q 2024). Net income: US$5.16m (up 15% from 2Q 2024). Profit margin: 11% (up from 8.3% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) also missed analyst estimates by 8.3%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 5.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
Reported Earnings • Apr 17First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.64 (up from US$0.53 in 1Q 2024). Revenue: US$51.4m (down 6.4% from 1Q 2024). Net income: US$8.55m (up 20% from 1Q 2024). Profit margin: 17% (up from 13% in 1Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.1%. Earnings per share (EPS) exceeded analyst estimates by 10%. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.
Seeking Alpha • May 11Cass Information Systems: Improved EPS, Same Core Volume ProblemSummary Cass Information Systems maintains EPS momentum post one-offs, driven by net interest income, expense control, and buybacks. CASS’s valuation has improved, trading at 15.8x forward GAAP P/E, but lacks a compelling organic growth story to warrant a Buy rating. Transaction volumes and processing fees remain pressured; most profit growth is banking-driven rather than from core payment processing. My rating remains Hold: EPS growth is solid, but risks from volume declines, NIM peaking, and competition temper bullishness. Read the full article on Seeking Alpha
Board Change • May 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 6 highly experienced directors. Independent Director John Drabik was the last director to join the board, commencing their role in 2026. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Declared Dividend • Apr 27First quarter dividend of US$0.32 announcedShareholders will receive a dividend of US$0.32. Ex-date: 5th June 2026 Payment date: 15th June 2026 Dividend yield will be 2.7%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (52% cash payout ratio). The dividend has increased by an average of 6.7% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 22% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.68 (up from US$0.64 in 1Q 2025). Revenue: US$53.1m (up 3.2% from 1Q 2025). Net income: US$8.74m (up 2.2% from 1Q 2025). Profit margin: 17% (in line with 1Q 2025). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 6.3%. Revenue is forecast to grow 2.3% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has increased by 10% per year, which means it is well ahead of earnings.
お知らせ • Apr 24Cass Information Systems, Inc. Announces Board and Committee Changes, Effective April 21, 2026Cass Information Systems, Inc. announced changes to its Board of Directors, effective April 21, 2026. John J. Drabik was elected as a member of the Board and also appointed to serve on the Company’s Audit and Risk Committee. Mr. Drabik is Executive Vice President and Chief Financial Officer of Energizer Holdings, Inc., where he oversees global finance, accounting, investor relations and information technology. He has been with Energizer and its predecessor organization since 2001 and has held senior leadership roles across corporate development, treasury, and accounting, including playing a key role in the company’s spin-off and its growth as a stand-alone public company. Prior to Energizer, Mr. Drabik began his career in public accounting at Arthur Andersen and later worked in the import/export division of May Department Stores. He holds a Bachelor of Science in Accountancy from the University of Missouri and an MBA from Washington University in St. Louis. The Company also announced that Sally H. Roth, James J. Lindemann, and Ralph W. Clermont retired from the Board of Directors after not standing for re-election at the Annual Meeting of Shareholders. Sally H. Roth (Sally) served as a director since 2019. Sally’s extensive career in banking has added substantial value to the Company, not only to the Board and its’ Nominating and Corporate Governance Committee, but also through her tenure on the Executive Loan Committee of Cass Commercial Bank. Ralph W. Clermont (Ralph) served as a director since 2015. Ralph has served the Company in a variety of committee memberships since his Board appointment, including as Chairman of the Audit and Risk Committee and member of the Nominating and Corporate Governance Committee. Ralph’s strategic guidance has been invaluable to the Company during his directorship. James L. Lindemann (Jim) served as a director since 2007. Jim’s distinguished career at Emerson Electric allowed him to bring valuable perspective to the Company from both strategic and governance standpoints. Jim served as Chairman of the Company’s Compensation Committee, providing valuable guidance on the compensation plans, policies and overall programs of the Company.
New Risk • Apr 23New major risk - Revenue and earnings growthEarnings have declined by 3.6% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
Buy Or Sell Opportunity • Apr 09Now 21% overvalued after recent price riseOver the last 90 days, the stock has risen 14% to US$47.20. The fair value is estimated to be US$38.96, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 3.8% over the last 3 years. Earnings per share has declined by 11%. Revenue is forecast to grow by 4.7% in 2 years. Earnings are forecast to grow by 43% in the next 2 years.
お知らせ • Mar 09Cass Information Systems, Inc., Annual General Meeting, Apr 21, 2026Cass Information Systems, Inc., Annual General Meeting, Apr 21, 2026. Location: the bogey club, 9266 clayton road, missouri 63124, saint louis United States
Reported Earnings • Mar 09Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.37 in FY 2024). Revenue: US$207.4m (up 2.7% from FY 2024). Net income: US$31.1m (up 68% from FY 2024). Profit margin: 15% (up from 9.2% in FY 2024). The increase in margin was primarily driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 5.6% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 11% per year but the company’s share price has remained flat, which means it is well ahead of earnings.
Upcoming Dividend • Feb 24Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 03 March 2026. Payment date: 13 March 2026. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.2%). Higher than average of industry peers (1.1%).
Declared Dividend • Jan 26Fourth quarter dividend of US$0.32 announcedShareholders will receive a dividend of US$0.32. Ex-date: 3rd March 2026 Payment date: 13th March 2026 Dividend yield will be 2.8%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (36% cash payout ratio). The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 43% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 22Full year 2025 earnings: EPS in line with analyst expectations despite revenue beatFull year 2025 results: EPS: US$2.36 (up from US$1.42 in FY 2024). Revenue: US$207.4m (down 5.7% from FY 2024). Net income: US$31.1m (up 62% from FY 2024). Profit margin: 15% (up from 8.7% in FY 2024). The increase in margin was driven by lower expenses. Revenue exceeded analyst estimates by 1.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.8% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 4% per year, which means it has not declined as severely as earnings.
お知らせ • Jan 22Cass Information Systems, Inc. Approves Quarterly Dividend, Payable on March 13, 2026Cass Information Systems, Inc. announced that On January 20, 2026, the Company’s Board of Directors approved a quarterly dividend of $0.32 per share with the dividend payable on March 13, 2026 to shareholders of record on March 3, 2026.
Upcoming Dividend • Nov 28Upcoming dividend of US$0.32 per shareEligible shareholders must have bought the stock before 05 December 2025. Payment date: 15 December 2025. Payout ratio is a comfortable 60% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (1.0%).
分析記事 • Oct 28Cass Information Systems (NASDAQ:CASS) Will Pay A Larger Dividend Than Last Year At $0.32Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...
Declared Dividend • Oct 27Third quarter dividend increased to US$0.32Dividend of US$0.32 is 3.2% higher than last year. Ex-date: 5th December 2025 Payment date: 15th December 2025 Dividend yield will be 3.2%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (60% earnings payout ratio) and cash flows (53% cash payout ratio). The dividend has increased by an average of 7.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 39% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectationsThird quarter 2025 results: EPS: US$0.70 (up from US$0.22 in 3Q 2024). Revenue: US$54.0m (down 2.8% from 3Q 2024). Net income: US$9.21m (up 213% from 3Q 2024). Profit margin: 17% (up from 5.3% in 3Q 2024). The increase in margin was driven by lower expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 7.9%. Revenue is forecast to stay flat during the next 3 years compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 16% per year but the company’s share price has only fallen by 3% per year, which means it has not declined as severely as earnings.
New Risk • Oct 23New major risk - Revenue and earnings growthEarnings have declined by 2.9% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company.
お知らせ • Oct 23Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2025, Payable on December 15, 2025Cass Information Systems, Inc. on October 21, 2025, the Company’s Board of Directors approved an increase in the quarterly dividend of $0.01 to $0.32 per share beginning with the dividend payable on December 15, 2025 to shareholders of record on December 5, 2025 for the fourth quarter of 2025.
Major Estimate Revision • Oct 08Consensus EPS estimates fall by 18%The consensus outlook for fiscal year 2025 has been updated. 2025 EPS estimate fell from US$2.63 to US$2.16 per share. Revenue forecast steady at US$190.9m. Net income forecast to grow 69% next year vs 23% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$50.00 to US$47.00. Share price was steady at US$38.59 over the past week.
Board Change • Sep 01Insufficient new directorsThere is 1 new director who has joined the board in the last 3 years. The company's board is composed of: 1 new director. 3 experienced directors. 8 highly experienced directors. President, CEO & Director Martin Resch was the last director to join the board, commencing their role in 2023. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Upcoming Dividend • Aug 29Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 05 September 2025. Payment date: 15 September 2025. Payout ratio is on the higher end at 77%, however this is supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (0.9%).
Declared Dividend • Jul 21Second quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 5th September 2025 Payment date: 15th September 2025 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (77% earnings payout ratio) and cash flows (39% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 96% over the next 3 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jul 18Second quarter 2025 earnings: EPS and revenues miss analyst expectationsSecond quarter 2025 results: EPS: US$0.39 (up from US$0.33 in 2Q 2024). Revenue: US$48.6m (down 11% from 2Q 2024). Net income: US$5.16m (up 15% from 2Q 2024). Profit margin: 11% (up from 8.3% in 2Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) also missed analyst estimates by 8.3%. Revenue is forecast to grow 1.2% p.a. on average during the next 3 years, compared to a 5.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 17% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings.
New Risk • Jul 17New major risk - Revenue and earnings growthEarnings have declined by 1.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.4% per year over the past 5 years. Minor Risk Profit margins are more than 30% lower than last year (9.3% net profit margin).
お知らせ • Jul 17Cass Information Systems, Inc. Approves Quarterly Dividend, Payable on September 15, 2025On July 15, 2025, the Cass Information Systems, Inc.’s Board of Directors approved a quarterly dividend of $0.31per share with the dividend payable on September 15, 2025 to shareholders of record on September 5, 2025.
New Risk • Jul 03New major risk - Revenue and earnings growthEarnings have declined by 1.5% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 1.5% per year over the past 5 years. Minor Risk Profit margins are more than 30% lower than last year (9.3% net profit margin).
Upcoming Dividend • May 27Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 03 June 2025. Payment date: 13 June 2025. Payout ratio is on the higher end at 80%, however this is supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (4.8%). Higher than average of industry peers (0.9%).
Declared Dividend • Apr 25First quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 3rd June 2025 Payment date: 13th June 2025 Dividend yield will be 3.0%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (80% earnings payout ratio) and cash flows (56% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 35% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Apr 17First quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2025 results: EPS: US$0.64 (up from US$0.53 in 1Q 2024). Revenue: US$51.4m (down 6.4% from 1Q 2024). Net income: US$8.55m (up 20% from 1Q 2024). Profit margin: 17% (up from 13% in 1Q 2024). The increase in margin was driven by lower expenses. Revenue missed analyst estimates by 8.1%. Earnings per share (EPS) exceeded analyst estimates by 10%. Revenue is forecast to grow 2.2% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 14% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings.
お知らせ • Apr 17Cass Information Systems, Inc. Declares Second Quarter Dividend, Payable on June 13, 2025On April 15, 2025, Cass Information Systems, Inc.'s Board of Directors declared a second quarter dividend of $0.31 per share payable on June 13, 2025 to shareholders of record on June 3, 2025.
お知らせ • Mar 07Cass Information Systems, Inc., Annual General Meeting, Apr 15, 2025Cass Information Systems, Inc., Annual General Meeting, Apr 15, 2025. Location: the bogey club located at 9266 clayton road, missouri 63124., saint louis United States
Reported Earnings • Mar 06Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$1.42 (down from US$2.22 in FY 2023). Revenue: US$219.9m (up 3.1% from FY 2023). Net income: US$19.2m (down 36% from FY 2023). Profit margin: 8.7% (down from 14% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.4%. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 3% per year, which means it is well ahead of earnings.
Upcoming Dividend • Feb 25Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 04 March 2025. Payment date: 14 March 2025. Payout ratio is on the higher end at 85%, and the cash payout ratio is above 100%. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.5%). Higher than average of industry peers (0.9%).
Declared Dividend • Jan 30Fourth quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 4th March 2025 Payment date: 14th March 2025 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by earnings (85% earnings payout ratio) but not covered by cash flows (112% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 82% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Seeking Alpha • Jan 29Cass Information Systems: Profit Declines And Strategic Challenges Warrant A HoldSummary Cass Information Systems faces significant profitability challenges, with a 45.4% decline in Q4 2024 net profit compared to Q4 2023. One-time losses, including bad debt and pension plan closure, and cybersecurity incidents have negatively impacted Cass's financial position. Macroeconomic factors, such as declining interest rates and deposit migration, pose additional risks to Cass's net interest income and overall profitability. Despite management's future plans, the current financial instability and competitive pressures suggest a HOLD position in the short to medium term. Read the full article on Seeking Alpha
お知らせ • Jan 24Cass Information Systems, Inc. Declares A First Quarter Dividend, Payable on March 14, 2025Cass Information Systems, Inc. declared a first quarter dividend of $0.31 per share payable on March 14, 2025 to shareholders of record on March 4, 2025.
Reported Earnings • Jan 23Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$1.42 (down from US$2.22 in FY 2023). Revenue: US$219.9m (up 3.1% from FY 2023). Net income: US$19.2m (down 36% from FY 2023). Profit margin: 8.7% (down from 14% in FY 2023). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 9.4%. Revenue is forecast to grow 1.2% p.a. on average during the next 2 years, compared to a 4.3% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 9% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Major Estimate Revision • Dec 18Consensus EPS estimates fall by 14%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$1.48 to US$1.27 per share. Revenue forecast steady at US$198.7m. Net income forecast to grow 32% next year vs 21% growth forecast for Diversified Financial industry in the US. Consensus price target up from US$45.00 to US$49.00. Share price fell 5.6% to US$42.02 over the past week.
Price Target Changed • Dec 17Price target increased by 11% to US$49.00Up from US$44.00, the current price target is provided by 1 analyst. New target price is 12% above last closing price of US$43.89. Stock is down 2.4% over the past year. The company is forecast to post earnings per share of US$1.27 for next year compared to US$2.22 last year.
Upcoming Dividend • Nov 26Upcoming dividend of US$0.31 per shareEligible shareholders must have bought the stock before 03 December 2024. Payment date: 13 December 2024. Payout ratio is a comfortable 71% but the company is paying out more than the cash it is generating. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.2%). Higher than average of industry peers (0.9%).
Seeking Alpha • Nov 13Cass Information Systems: Safe Dividend But Efficiency Needs Urgent ImprovementSummary Cass Information Systems operates in two segments: Information Services and Banking Services, with a diverse client base and international presence. Cass’s invoice processing and banking services give it a competitive advantage, but improving efficiency is still a top priority. Cass has a long-standing dividend history with low growth lately, supported by a strong balance sheet and no debt. Current valuation is high, with a Hold rating given due to limited growth potential and a preference for a lower entry point. Read the full article on Seeking Alpha
分析記事 • Oct 29Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last YearCass Information Systems, Inc. ( NASDAQ:CASS ) will increase its dividend from last year's comparable payment on the...
Declared Dividend • Oct 28Third quarter dividend of US$0.31 announcedShareholders will receive a dividend of US$0.31. Ex-date: 3rd December 2024 Payment date: 13th December 2024 Dividend yield will be 2.8%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (71% earnings payout ratio) and cash flows (63% cash payout ratio). The dividend has increased by an average of 7.4% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 72% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Major Estimate Revision • Oct 24Consensus EPS estimates fall by 20%The consensus outlook for fiscal year 2024 has been updated. 2024 EPS estimate fell from US$1.85 to US$1.48 per share. Revenue forecast steady at US$198.2m. Net income forecast to grow 36% next year vs 23% growth forecast for Diversified Financial industry in the US. Consensus price target up from US$44.00 to US$45.00. Share price was steady at US$41.93 over the past week.
Reported Earnings • Oct 17Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behindThird quarter 2024 results: EPS: US$0.22 (down from US$0.55 in 3Q 2023). Revenue: US$55.6m (up 2.9% from 3Q 2023). Net income: US$2.94m (down 60% from 3Q 2023). Profit margin: 5.3% (down from 14% in 3Q 2023). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 2.9%. Earnings per share (EPS) missed analyst estimates by 58%. Revenue is forecast to stay flat during the next 2 years compared to a 4.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has fallen by 2% per year whereas the company’s share price has remained flat.
お知らせ • Oct 17Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2024, Payable on December 13, 2024The Board of Directors of Cass Information Systems, Inc. approved an increase in the quarterly dividend from $0.30 to $0.31 per share for the fourth quarter of 2024, payable on December 13, 2024 to shareholders of record on December 3, 2024.
Upcoming Dividend • Aug 27Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 03 September 2024. Payment date: 13 September 2024. Payout ratio is a comfortable 59% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (1.0%).
Declared Dividend • Aug 02Second quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 3rd September 2024 Payment date: 13th September 2024 Dividend yield will be 2.9%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (59% earnings payout ratio) and cash flows (76% cash payout ratio). The dividend has increased by an average of 7.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 26% over the next year, which should provide support to the dividend and adequate earnings cover.
Major Estimate Revision • Jul 25Consensus EPS estimates fall by 16%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$202.1m to US$196.8m. EPS estimate also fell from US$2.21 per share to US$1.86 per share. Net income forecast to grow 17% next year vs 19% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$47.00 to US$44.00. Share price rose 3.7% to US$40.95 over the past week.
Reported Earnings • Jul 19Second quarter 2024 earnings: EPS and revenues miss analyst expectationsSecond quarter 2024 results: EPS: US$0.33 (down from US$0.53 in 2Q 2023). Revenue: US$54.3m (up 4.9% from 2Q 2023). Net income: US$4.48m (down 37% from 2Q 2023). Profit margin: 8.3% (down from 14% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 40%. Revenue is forecast to grow 1.3% p.a. on average during the next 2 years, compared to a 3.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year whereas the company’s share price has fallen by 1% per year.
お知らせ • Jul 19Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 13, 2024Cass Information Systems, Inc. announced on July 16, 2024, the company’s board of directors declared a third quarter dividend of $0.30 per share payable on September 13, 2024 to shareholders of record on September 3, 2024.
Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 16%After last week's 16% share price gain to US$46.20, the stock trades at a forward P/E ratio of 19x. Average forward P/E is 11x in the Diversified Financial industry in the US. Total returns to shareholders of 23% over the past three years.
Buy Or Sell Opportunity • Jul 16Now 24% overvalued after recent price riseOver the last 90 days, the stock has risen 3.3% to US$46.20. The fair value is estimated to be US$37.18, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 8.5%. Revenue is forecast to decline by 4.5% in a year. Earnings are forecast to grow by 9.0% in the next year.
Upcoming Dividend • May 28Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 04 June 2024. Payment date: 14 June 2024. Payout ratio is a comfortable 53% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of American dividend payers (4.7%). Higher than average of industry peers (1.0%).
お知らせ • May 09Cass Information Systems Launches Working Capital Solution for Shippers and CarriersCass Information Systems, Inc. announced the availability of Amplify by Cass™, an addition to the Cass Financial Suite®? that helps enterprises and their freight carriers improve working capital levels. As freight flows become more efficient, Amplify by Cass bridges the gap between a shipper's efficiencies and desire to increase working capital and their carriers' needs to be paid timely. By adopting Amplify by Cass, shippers support some of their most valuable partners-- their carriers--by providing an early payment solution. Cass’s fully integrated freight payment solution blends invoice lifecycle management, optimized cash flow and payment options, deep spend visibility, and market intelligence to create a complete solution used by many of the world’s largest shippers.
Buy Or Sell Opportunity • May 07Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 3.2% to US$44.37. The fair value is estimated to be US$36.95, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 15% over the last 3 years. Earnings per share has grown by 8.5%. Revenue is forecast to decline by 3.4% in a year. Earnings are forecast to grow by 15% in the next year.
Declared Dividend • May 06First quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 4th June 2024 Payment date: 14th June 2024 Dividend yield will be 2.7%, which is higher than the industry average of 1.0%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (76% cash payout ratio). The dividend has increased by an average of 7.1% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 19% over the next year, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • May 06First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.53 (up from US$0.52 in 1Q 2023). Revenue: US$55.0m (up 5.2% from 1Q 2023). Net income: US$7.15m (flat on 1Q 2023). Profit margin: 13% (in line with 1Q 2023). Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 12%. Revenue is forecast to grow 1.8% p.a. on average during the next 2 years, compared to a 3.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$210.8m to US$204.4m. EPS estimate also fell from US$2.74 per share to US$2.35 per share. Net income forecast to grow 15% next year vs 17% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$51.00 to US$47.00. Share price was steady at US$43.44 over the past week.
Price Target Changed • Apr 22Price target decreased by 7.8% to US$47.00Down from US$51.00, the current price target is provided by 1 analyst. New target price is 13% above last closing price of US$41.65. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.35 for next year compared to US$2.22 last year.
分析記事 • Apr 20What Cass Information Systems, Inc.'s (NASDAQ:CASS) P/E Is Not Telling YouWhen close to half the companies in the United States have price-to-earnings ratios (or "P/E's") below 16x, you may...
Reported Earnings • Apr 19First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.53 (up from US$0.52 in 1Q 2023). Revenue: US$55.0m (up 5.2% from 1Q 2023). Net income: US$7.15m (flat on 1Q 2023). Profit margin: 13% (in line with 1Q 2023). Revenue missed analyst estimates by 2.0%. Earnings per share (EPS) also missed analyst estimates by 12%. Revenue is forecast to grow 2.6% p.a. on average during the next 2 years, compared to a 4.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has fallen by 1% per year, which means it is significantly lagging earnings.
お知らせ • Mar 08Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024, at 08:30 Central Standard Time. Location: The Bogey Club, located at 9266 Clayton Road, Saint Louis, Missouri 63124 Saint Louis Missouri United States Agenda: To elect three directors to serve, each for a three-year term; to hold a non-binding advisory vote on executive compensation; to ratify the appointment of KPMG LLP as the independent registered public accounting firm for 2024; and to consider and act upon such other matters as may properly come before the Annual Meeting or any adjournment thereof.
Reported Earnings • Mar 04Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$2.22 (down from US$2.58 in FY 2022). Revenue: US$213.2m (up 14% from FY 2022). Net income: US$30.1m (down 14% from FY 2022). Profit margin: 14% (down from 19% in FY 2022). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 6.9%. Revenue is forecast to grow 2.7% p.a. on average during the next 2 years, compared to a 4.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Feb 26Upcoming dividend of US$0.30 per shareEligible shareholders must have bought the stock before 04 March 2024. Payment date: 15 March 2024. Trailing yield: 2.5%. Lower than top quartile of American dividend payers (4.8%). Higher than average of industry peers (1.0%).
Declared Dividend • Feb 01Fourth quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 4th March 2024 Payment date: 15th March 2024 Dividend yield will be 2.7%, which is higher than the industry average of 1.1%. Sustainability & Growth Dividend is covered by both earnings (53% earnings payout ratio) and cash flows (56% cash payout ratio). The dividend has increased by an average of 8.2% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 38% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Reported Earnings • Jan 25Full year 2023 earnings: EPS and revenues exceed analyst expectationsFull year 2023 results: EPS: US$2.22 (down from US$2.58 in FY 2022). Revenue: US$213.2m (up 14% from FY 2022). Net income: US$30.1m (down 14% from FY 2022). Profit margin: 14% (down from 19% in FY 2022). The decrease in margin was driven by higher expenses. Revenue exceeded analyst estimates by 1.1%. Earnings per share (EPS) also surpassed analyst estimates by 6.9%. Revenue is forecast to grow 3.2% p.a. on average during the next 2 years, compared to a 5.0% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 11% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
お知らせ • Jan 25Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2024Cass Information Systems, Inc. announced that on January 25, 2024, the company’s board of directors declared a first quarter dividend of $0.30 per share payable on March 15, 2024 to shareholders of record on March 5, 2024.
Seeking Alpha • Jan 22Cass: Quarterly Headcount Growth, More Fees Charged, And UndervaluedSummary Cass Information Systems recently received recognition from FedEx, which may lead to new payment functionalities and attract new customers. The company's business model offers comprehensive information processing and payment services to large companies, with a focus on client diversification and specialized solutions. Recent investments in technology, headcount growth, and data management capabilities are expected to drive net sales growth, although volatility in interest rates and new technologies pose risks. Read the full article on Seeking Alpha
Price Target Changed • Dec 12Price target increased by 7.1% to US$45.00Up from US$42.00, the current price target is provided by 1 analyst. New target price is 5.5% above last closing price of US$42.65. Stock is down 3.2% over the past year. The company is forecast to post earnings per share of US$2.04 for next year compared to US$2.58 last year.
Upcoming Dividend • Nov 27Upcoming dividend of US$0.30 per share at 2.9% yieldEligible shareholders must have bought the stock before 04 December 2023. Payment date: 15 December 2023. Payout ratio is a comfortable 51% and this is well supported by cash flows. Trailing yield: 2.9%. Lower than top quartile of American dividend payers (5.0%). Higher than average of industry peers (1.1%).
分析記事 • Oct 22Cass Information Systems' (NASDAQ:CASS) Dividend Will Be Increased To $0.30Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...
お知らせ • Oct 20Cass Information Systems, Inc. Approves an Increase in the Quarterly Dividend, Payable on December 15, 2023On October 17, 2023, Cass Information Systems, Inc.’s Board of Directors approved an increase in the quarterly dividend to $0.30 per share effective with the dividend payable on December 15, 2023 to shareholders of record on December 5, 2023.
Reported Earnings • Oct 20Third quarter 2023 earnings: EPS misses analyst expectationsThird quarter 2023 results: EPS: US$0.55 (down from US$0.65 in 3Q 2022). Revenue: US$54.0m (up 11% from 3Q 2022). Net income: US$7.39m (down 16% from 3Q 2022). Profit margin: 14% (down from 18% in 3Q 2022). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 1.8%. Revenue is forecast to stay flat during the next 2 years compared to a 5.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings.
分析記事 • Aug 28Cass Information Systems (NASDAQ:CASS) Will Pay A Dividend Of $0.29Cass Information Systems, Inc. ( NASDAQ:CASS ) will pay a dividend of $0.29 on the 15th of September. This makes the...
Upcoming Dividend • Aug 25Upcoming dividend of US$0.29 per share at 3.0% yieldEligible shareholders must have bought the stock before 01 September 2023. Payment date: 15 September 2023. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (4.9%). Higher than average of industry peers (1.3%).
分析記事 • Jul 30Cass Information Systems (NASDAQ:CASS) Is Due To Pay A Dividend Of $0.29The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per...
Major Estimate Revision • Jul 27Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$199.8m to US$194.5m. EPS estimate also fell from US$2.58 per share to US$2.22 per share. Net income forecast to grow 12% next year vs 11% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$43.00 to US$42.00. Share price fell 2.8% to US$38.71 over the past week.
お知らせ • Jul 23Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 15, 2023On July 18, 2023, Cass Information Systems, Inc. Board of Directors declared a third quarter dividend of $0.29 per share payable on September 15, 2023 to shareholders of record on September 5, 2023.
Reported Earnings • Jul 20Second quarter 2023 earnings: EPS and revenues miss analyst expectationsSecond quarter 2023 results: EPS: US$0.53 (down from US$0.63 in 2Q 2022). Revenue: US$52.0m (up 17% from 2Q 2022). Net income: US$7.14m (down 17% from 2Q 2022). Profit margin: 14% (down from 19% in 2Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 5.2%. Earnings per share (EPS) also missed analyst estimates by 22%. Revenue is forecast to grow 1.9% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • May 26Upcoming dividend of US$0.29 per share at 3.0% yieldEligible shareholders must have bought the stock before 02 June 2023. Payment date: 15 June 2023. Payout ratio is a comfortable 46% and this is well supported by cash flows. Trailing yield: 3.0%. Lower than top quartile of American dividend payers (5.1%). Higher than average of industry peers (1.4%).
Recent Insider Transactions • Apr 25President recently bought US$80k worth of stockOn the 21st of April, Martin Resch bought around 2k shares on-market at roughly US$36.78 per share. This transaction amounted to 12% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Martin has been a buyer over the last 12 months, purchasing a net total of US$98k worth in shares.
Major Estimate Revision • Apr 24Consensus EPS estimates fall by 15%The consensus outlook for earnings per share (EPS) in fiscal year 2023 has deteriorated. 2023 revenue forecast decreased from US$207.8m to US$200.0m. EPS estimate also fell from US$3.03 per share to US$2.59 per share. Net income forecast to grow 12% next year vs 0.6% growth forecast for Diversified Financial industry in the US. Consensus price target down from US$50.00 to US$43.00. Share price fell 12% to US$37.13 over the past week.
Price Target Changed • Apr 20Price target decreased by 17% to US$43.00Down from US$52.00, the current price target is provided by 1 analyst. New target price is 14% above last closing price of US$37.61. Stock is down 8.6% over the past year. The company is forecast to post earnings per share of US$2.59 for next year compared to US$2.58 last year.
分析記事 • Apr 19Cass Information Systems (NASDAQ:CASS) Ticks All The Boxes When It Comes To Earnings GrowthIt's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Reported Earnings • Apr 19First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.52 (down from US$0.61 in 1Q 2022). Revenue: US$49.0m (up 15% from 1Q 2022). Net income: US$7.12m (down 14% from 1Q 2022). Profit margin: 14% (down from 19% in 1Q 2022). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 3.9%. Earnings per share (EPS) also missed analyst estimates by 27%. Revenue is forecast to grow 6.3% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Diversified Financial industry in the US. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 03Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)Full year 2022 results: EPS: US$2.58 (up from US$2.03 in FY 2021). Revenue: US$183.8m (up 19% from FY 2021). Net income: US$34.9m (up 22% from FY 2021). Profit margin: 19% (in line with FY 2021). Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 10% growth forecast for the IT industry in the US. Over the last 3 years on average, earnings per share has increased by 9% per year whereas the company’s share price has increased by 4% per year.
Upcoming Dividend • Feb 23Upcoming dividend of US$0.29 per share at 2.4% yieldEligible shareholders must have bought the stock before 02 March 2023. Payment date: 15 March 2023. Trailing yield: 2.4%. Lower than top quartile of American dividend payers (4.4%). Higher than average of industry peers (1.5%).
分析記事 • Feb 19Cass Information Systems' (NASDAQ:CASS) Dividend Will Be $0.29Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per share on the 15th...
お知らせ • Feb 18+ 1 more updateCass Information Systems, Inc. Announces Executive ChangesCass Information Systems, Inc. announced that Martin Resch, President and Chief Operating Officer, has been named President and Chief Executive Officer, effective April 18, 2023, and will join the Board of Directors at that time. Resch, 57, has been Cass’s President and Chief Operating Officer since February 2022 and Eric Brunngraber, 66, has served as CEO since 2008, will become Executive Chairman, effective April 18, 2023. Prior to joining Cass in November 2020, Resch was senior executive at Bank of the West in San Francisco, California. As executive vice president, Resch functioned as the commercial banking group’s chief administrative officer/chief operating officer with responsibility for strategy, operations, finance, technology and human resources, as well as collaborating with a B2B FinTech incubator. His other roles at Bank of the West included corporate treasurer and leading the regulatory response to the Dodd-Frank and Volcker legislation. Resch, who holds dual citizenship in the United States and Austriaand speaks fluent German, earned his bachelor’s degree in computer science from Oregon State University and master’s degree in business administration from Cornell University. He is also a graduate of the Pacific Coast Graduate School of Banking in Seattle, Washington.
分析記事 • Feb 03Cass Information Systems (NASDAQ:CASS) Has Affirmed Its Dividend Of $0.29The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend on the 15th of...
お知らせ • Jan 28Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2023Cass Information Systems, Inc. announced that on January 24, 2023, the Company’s Board of Directors declared a first quarter dividend of $0.29 per share payable on March 15, 2023 to shareholders of record on March 3, 2023.
Reported Earnings • Jan 23Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)Full year 2022 results: EPS: US$2.58 (up from US$2.03 in FY 2021). Revenue: US$183.8m (up 19% from FY 2021). Net income: US$34.9m (up 22% from FY 2021). Profit margin: 19% (in line with FY 2021). Revenue is forecast to grow 8.5% p.a. on average during the next 2 years, compared to a 10% growth forecast for the IT industry in the US. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Recent Insider Transactions Derivative • Dec 04Chairman & CEO exercised options and sold US$265k worth of stockOn the 1st of December, Eric Brunngraber exercised 26.73k options at around US$31.92, then sold 23k of the shares acquired at an average of US$43.56 per share and kept the remainder. For the year to December 2015, Eric's total compensation was 32% salary and 68% other compensation. This indicates that these sales could comprise a meaningful part of their income for the year. Since March 2022, Eric has owned 105.91k shares directly. Company insiders have collectively sold US$245k more than they bought, via options and on-market transactions in the last 12 months.
Upcoming Dividend • Nov 25Upcoming dividend of US$0.29 per shareEligible shareholders must have bought the stock before 02 December 2022. Payment date: 15 December 2022. Payout ratio is a comfortable 46% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of American dividend payers (4.3%). Higher than average of industry peers (1.5%).