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. More details

CC3 fundamental analysis
Snowflake Score
Valuation	1/6
Future Growth	3/6
Past Performance	2/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 2.7% below our estimate of its fair value

Earnings are forecast to grow 31.81% per year

Risk Analysis

Dividend of 2.76% is not well covered by free cash flows

Cass Information Systems, Inc. Competitors

Grenke

XTRA:GLJ

€713.0m

Deutsche Pfandbriefbank

XTRA:PBB

€679.8m

MLP

XTRA:MLP

€642.7m

Hypoport

XTRA:HYQ

€1.4b

Price History & Performance

Summary of all time highs, changes and price drops for Cass Information Systems
Historical stock prices
Current Share Price	US$42.20
52 Week High	US$44.80
52 Week Low	US$35.00
Beta	0.71
11 Month Change	9.33%
3 Month Change	9.33%
1 Year Change	12.23%
33 Year Change	6.57%
5 Year Change	n/a
Change since IPO	36.13%

Recent updates

Shareholder Returns

	CC3	DE Diversified Financial	DE Market
7D	1.0%	-0.7%	-0.02%
1Y	12.2%	4.5%	8.2%

Return vs Industry: CC3 exceeded the German Diversified Financial industry which returned 4.5% over the past year.

Return vs Market: CC3 exceeded the German Market which returned 8.2% over the past year.

Price Volatility

Is CC3's price volatile compared to industry and market?
CC3 volatility
CC3 Average Weekly Movement	4.2%
Diversified Financial Industry Average Movement	3.6%
Market Average Movement	4.8%
10% most volatile stocks in DE Market	10.9%
10% least volatile stocks in DE Market	2.3%

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

Volatility Over Time: CC3's weekly volatility (4%) 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	€585.85m
Earnings (TTM)	€22.07m
Revenue (TTM)	€211.29m

26.5x

P/E Ratio

2.8x

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$220.03m
Cost of Revenue	US$120.07m
Gross Profit	US$99.96m
Other Expenses	US$76.97m
Earnings	US$22.98m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.69
Gross Margin	45.43%
Net Profit Margin	10.45%
Debt/Equity Ratio	0%

How did CC3 perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

71%

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	Dec 03 2024
Dividend Pay Date	Dec 13 2024
Days until Ex dividend	8 days
Days until Dividend pay date	18 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:GLJ

€713.0m

XTRA:PBB

€679.8m

XTRA:MLP

€642.7m

XTRA:HYQ

€1.4b

Price History & Performance

Recent News & Updates

Third quarter dividend of US$0.31 announced

Now 22% undervalued

Third quarter 2024 earnings released: EPS: US$0.22 (vs US$0.55 in 3Q 2023)

Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2024, Payable on December 13, 2024

Now 21% undervalued

Now 22% undervalued after recent price drop

Recent updates

Third quarter dividend of US$0.31 announced

Now 22% undervalued

Third quarter 2024 earnings released: EPS: US$0.22 (vs US$0.55 in 3Q 2023)

Cass Information Systems, Inc. Approves Dividend for the Fourth Quarter of 2024, Payable on December 13, 2024

Now 21% undervalued

Now 22% undervalued after recent price drop

Upcoming dividend of US$0.30 per share

Second quarter dividend of US$0.30 announced

Now 22% undervalued after recent price drop

Second quarter 2024 earnings released: EPS: US$0.33 (vs US$0.53 in 2Q 2023)

Cass Information Systems, Inc. Declares Third Quarter Dividend, Payable on September 13, 2024

Investor sentiment improves as stock rises 15%

Upcoming dividend of US$0.30 per share

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