Cass Information Systems (DB:CC3) - Stock Price, News & Analysis

CC3 Stock Overview

Provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States.

About the company

CC3 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	1/6
Financial Health	6/6
Dividends	5/6

Rewards

Earnings are forecast to grow 19.8% per year

Pays a reliable dividend of 2.63%

Risk Analysis

High level of non-cash earnings

Cass Information Systems, Inc. Competitors

Deutsche Pfandbriefbank

XTRA:PBB

€769.9m

Grenke

XTRA:GLJ

€1.0b

MLP

XTRA:MLP

€679.7m

AURELIUS Equity Opportunities SE KGaA

HMSE:AR4

€377.8m

Price History & Performance

Summary of all time highs, changes and price drops for Cass Information Systems
Historical stock prices
Current Share Price	US$41.80
52 Week High	US$44.80
52 Week Low	US$33.80
Beta	0.76
1 Month Change	-1.88%
3 Month Change	-6.70%
1 Year Change	16.11%
3 Year Change	16.11%
5 Year Change	n/a
Change since IPO	34.84%

Recent updates

Shareholder Returns

	CC3	DE Diversified Financial	DE Market
7D	0%	3.9%	-0.4%
1Y	16.1%	7.0%	4.2%

Return vs Industry: CC3 exceeded the German Diversified Financial industry which returned 7.1% over the past year.

Return vs Market: CC3 exceeded the German Market which returned 5.4% over the past year.

Price Volatility

Is CC3's price volatile compared to industry and market?
CC3 volatility
CC3 Average Weekly Movement	3.1%
Diversified Financial Industry Average Movement	5.3%
Market Average Movement	5.0%
10% most volatile stocks in DE Market	10.4%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: CC3 has not had significant price volatility in the past 3 months.

Volatility Over Time: CC3's weekly volatility (3%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1906	1,189	Martin Resch	www.cassinfo.com

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates through two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information.

Cass Information Systems, Inc. Fundamentals Summary

How do Cass Information Systems's earnings and revenue compare to its market cap?
CC3 fundamental statistics
Market cap	€571.19m
Earnings (TTM)	€27.68m
Revenue (TTM)	€198.59m

20.7x

P/E Ratio

2.9x

P/S Ratio

Is CC3 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CC3 income statement (TTM)
Revenue	US$215.93m
Cost of Revenue	US$119.16m
Gross Profit	US$96.77m
Other Expenses	US$66.68m
Earnings	US$30.09m

Last Reported Earnings

Mar 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.21
Gross Margin	44.82%
Net Profit Margin	13.94%
Debt/Equity Ratio	0%

How did CC3 perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

53%

Payout Ratio

Does CC3 pay a reliable dividends?

See CC3 dividend history and benchmarks

When do you need to buy CC3 by to receive an upcoming dividend?
Cass Information Systems dividend dates
Ex Dividend Date	Jun 04 2024
Dividend Pay Date	Jun 14 2024
Days until Ex dividend	17 days
Days until Dividend pay date	27 days

Does CC3 pay a reliable dividends?

See CC3 dividend history and benchmarks

CC3 Stock Overview

Rewards

Risk Analysis

Cass Information Systems, Inc. Competitors

XTRA:PBB

€769.9m

XTRA:GLJ

€1.0b

XTRA:MLP

€679.7m

HMSE:AR4

€377.8m

Price History & Performance

Recent News & Updates

First quarter dividend of US$0.30 announced

Cass Information Systems Launches Working Capital Solution for Shippers and Carriers

First quarter 2024 earnings released: EPS: US$0.53 (vs US$0.52 in 1Q 2023)

First quarter 2024 earnings released: EPS: US$0.53 (vs US$0.52 in 1Q 2023)

Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024

Full year 2023 earnings released: EPS: US$2.22 (vs US$2.58 in FY 2022)

Recent updates

First quarter dividend of US$0.30 announced

Cass Information Systems Launches Working Capital Solution for Shippers and Carriers

First quarter 2024 earnings released: EPS: US$0.53 (vs US$0.52 in 1Q 2023)

First quarter 2024 earnings released: EPS: US$0.53 (vs US$0.52 in 1Q 2023)

Cass Information Systems, Inc., Annual General Meeting, Apr 16, 2024

Full year 2023 earnings released: EPS: US$2.22 (vs US$2.58 in FY 2022)

Upcoming dividend of US$0.30 per share

Fourth quarter dividend of US$0.30 announced

Full year 2023 earnings released: EPS: US$2.22 (vs US$2.58 in FY 2022)

Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2024

Upcoming dividend of US$0.30 per share at 2.9% yield

Third quarter 2023 earnings released: EPS: US$0.55 (vs US$0.65 in 3Q 2022)

Cass Information Systems, Inc. Approves an Increase in the Quarterly Dividend, Payable on December 15, 2023

Upcoming dividend of US$0.29 per share at 3.0% yield

Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 15, 2023

Second quarter 2023 earnings released: EPS: US$0.53 (vs US$0.63 in 2Q 2022)

Upcoming dividend of US$0.29 per share at 3.0% yield

Investor sentiment deteriorates as stock falls 12%

President recently bought €73k worth of stock

First quarter 2023 earnings released: EPS: US$0.52 (vs US$0.61 in 1Q 2022)

Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)

Upcoming dividend of US$0.29 per share at 2.4% yield

Cass Information Systems, Inc. Announces Executive Changes

Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2023

Full year 2022 earnings released: EPS: US$2.58 (vs US$2.03 in FY 2021)

Cass Information Systems, Inc. Promotes Tony Urban as its New Executive Vice President and President of its Transportation Information Services

Now 21% undervalued

Upcoming dividend of US$0.29 per share

Cass Information Systems, Inc. Declares Fourth Quarter Dividend, Payable on December 15, 2022

Third quarter 2022 earnings released: EPS: US$0.65 (vs US$0.48 in 3Q 2021)

Upcoming dividend of US$0.28 per share

Ann Marr Joins Board of Directors of Cass Information Systems, Inc

Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 15, 2022

Second quarter 2022 earnings released: EPS: US$0.63 (vs US$0.49 in 2Q 2021)

Cass Information Systems, Inc. (NasdaqGS:CASS) completed the acquisition of the assets of TouchPoint Software, LLC.

Insufficient new directors

Cass Information Systems, Inc. (NasdaqGS:CASS) has entered into an agreement to acquire the Assets of TouchPoint Software, LLC.

Upcoming dividend of US$0.28 per share

First quarter 2022 earnings released: EPS: US$0.61 (vs US$0.49 in 1Q 2021)

Insufficient new directors

Cass Information Systems, Inc. Declares Second Quarter Dividend, Payable on June 15, 2022

Cass Information Systems, Inc. Names Todd Wills to Senior Vice President and Utilities General Manager

First quarter 2022 earnings released: EPS: US$0.61 (vs US$0.49 in 1Q 2021)

Full year 2021 earnings: EPS in line with expectations, revenues disappoint

Upcoming dividend of US$0.28 per share

Cass Information Systems, Inc. Promotes Martin Resch to President and Chief Operating Officer

Full year 2021 earnings: EPS in line with expectations, revenues disappoint

Cass Information Systems, Inc. Declares First Quarter Dividend, Payable on March 15, 2022

Insufficient new directors

Upcoming dividend of US$0.28 per share

Third quarter 2021 earnings released: EPS US$0.48 (vs US$0.40 in 3Q 2020)

Upcoming dividend of US$0.27 per share

Second quarter 2021 earnings released: EPS US$0.49 (vs US$0.38 in 2Q 2020)

Cass Information Systems Launches Cass FreightClaim360, A Freight Claims Application for Carriers

Upcoming dividend of US$0.27 per share

First quarter 2021 earnings released: EPS US$0.49 (vs US$0.52 in 1Q 2020)

Cass Information Systems, Inc., Annual General Meeting, Apr 20, 2021

Cass Information Systems, Inc. Names Michael J. Normileas as Chief Financial Officer

Cass Information Systems, Inc. Names Michael J. Normile as Executive Vice President