CASS Stock Overview

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

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

Rewards

Earnings are forecast to grow 34.84% per year

Risk Analysis

Dividend of 3.02% is not well covered by free cash flows

My Notes

Capture your thoughts, links and company narrative

Cass Information Systems, Inc. Competitors

International Money Express

NasdaqCM:IMXI

US$650.0m

Cantaloupe

NasdaqGS:CTLP

US$712.3m

Sezzle

NasdaqCM:SEZL

US$1.5b

PagSeguro Digital

NYSE:PAGS

US$2.0b

Price History & Performance

Summary of share price highs, lows and changes for Cass Information Systems
Historical stock prices
Current Share Price	US$41.03
52 Week High	US$50.25
52 Week Low	US$37.99
Beta	0.73
1 Month Change	-8.00%
3 Month Change	-0.82%
1 Year Change	-8.92%
3 Year Change	4.35%
5 Year Change	-28.46%
Change since IPO	1,642.65%

Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement

Nov 13

Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last Year

Oct 29

Recent updates

Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement

Nov 13

Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last Year

Oct 29

Cass Information Systems (NASDAQ:CASS) Ticks All The Boxes When It Comes To Earnings Growth

Apr 19

Cass Information Systems' (NASDAQ:CASS) Dividend Will Be $0.29

Feb 19

Cass Information Systems (NASDAQ:CASS) Has Affirmed Its Dividend Of $0.29

Feb 03

Cass Information Systems' (NASDAQ:CASS) Upcoming Dividend Will Be Larger Than Last Year's

Nov 24

Cass Information Systems (NASDAQ:CASS) Will Pay A Larger Dividend Than Last Year At $0.29

Oct 23

Cass Information Systems: Set To Benefit From Inflation And Rising Rates

May 06

Cass Information Systems: A Fair Play On Payment Processing

Dec 29

Cass Information Systems (NASDAQ:CASS) Has Re-Affirmed Its Dividend Of US$0.27

Jul 30

Be Wary Of Cass Information Systems (NASDAQ:CASS) And Its Returns On Capital

Jun 19

Increases to CEO Compensation Might Be Put On Hold For Now at Cass Information Systems, Inc. (NASDAQ:CASS)

Apr 14

Estimating The Intrinsic Value Of Cass Information Systems, Inc. (NASDAQ:CASS)

Apr 13

Should You Buy Cass Information Systems, Inc. (NASDAQ:CASS) For Its Dividend?

Mar 14

Shareholder Returns

	CASS	US Diversified Financial	US Market
7D	-2.3%	2.4%	2.8%
1Y	-8.9%	25.9%	24.6%

Return vs Industry: CASS underperformed the US Diversified Financial industry which returned 25.9% over the past year.

Return vs Market: CASS underperformed the US Market which returned 24.6% over the past year.

Price Volatility

Is CASS's price volatile compared to industry and market?
CASS volatility
CASS Average Weekly Movement	3.9%
Diversified Financial Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.4%
10% least volatile stocks in US Market	3.1%

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

Volatility Over Time: CASS'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?
CASS fundamental statistics
Market cap	US$565.97m
Earnings (TTM)	US$22.98m
Revenue (TTM)	US$220.03m

24.2x

P/E Ratio

2.5x

P/S Ratio

Is CASS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CASS 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 CASS perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

71%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 01:07
End of Day Share Price	2024/12/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Cass Information Systems, Inc. is covered by 3 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Nathan Race	Piper Sandler Companies
Frank Schiraldi	Piper Sandler Companies
Pritish Ture	Virtua Research Inc.

CASS Stock Overview

Rewards

Risk Analysis

Cass Information Systems, Inc. Competitors

NasdaqCM:IMXI

US$650.0m

NasdaqGS:CTLP

US$712.3m

NasdaqCM:SEZL

US$1.5b

NYSE:PAGS

US$2.0b

Price History & Performance

Recent News & Updates

Consensus EPS estimates fall by 14%

Price target increased by 11% to US$49.00

Upcoming dividend of US$0.31 per share

Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement

Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last Year

Third quarter dividend of US$0.31 announced

Recent updates

Consensus EPS estimates fall by 14%

Price target increased by 11% to US$49.00

Upcoming dividend of US$0.31 per share

Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement

Cass Information Systems (NASDAQ:CASS) Is Paying Out A Larger Dividend Than Last Year

Third quarter dividend of US$0.31 announced

Consensus EPS estimates fall by 20%

Third quarter 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

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

Upcoming dividend of US$0.30 per share

Second quarter dividend of US$0.30 announced

Consensus EPS estimates fall by 16%

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

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

Investor sentiment improves as stock rises 16%

Now 24% overvalued after recent price rise

Upcoming dividend of US$0.30 per share

Cass Information Systems Launches Working Capital Solution for Shippers and Carriers

Now 20% overvalued after recent price rise

First quarter dividend of US$0.30 announced

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Consensus EPS estimates fall by 14%

Price target decreased by 7.8% to US$47.00

What Cass Information Systems, Inc.'s (NASDAQ:CASS) P/E Is Not Telling You

First quarter 2024 earnings: EPS and revenues miss analyst expectations

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

Full year 2023 earnings: EPS and revenues exceed analyst expectations

Upcoming dividend of US$0.30 per share

Fourth quarter dividend of US$0.30 announced

Full year 2023 earnings: EPS and revenues exceed analyst expectations

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

Cass: Quarterly Headcount Growth, More Fees Charged, And Undervalued

Price target increased by 7.1% to US$45.00

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

Cass Information Systems' (NASDAQ:CASS) Dividend Will Be Increased To $0.30

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

Third quarter 2023 earnings: EPS misses analyst expectations

Cass Information Systems (NASDAQ:CASS) Will Pay A Dividend Of $0.29

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

Cass Information Systems (NASDAQ:CASS) Is Due To Pay A Dividend Of $0.29

Consensus EPS estimates fall by 14%

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

Second quarter 2023 earnings: EPS and revenues miss analyst expectations

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

President recently bought US$80k worth of stock

Consensus EPS estimates fall by 15%

Price target decreased by 17% to US$43.00

Cass Information Systems (NASDAQ:CASS) Ticks All The Boxes When It Comes To Earnings Growth

First quarter 2023 earnings: EPS and revenues miss analyst expectations

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' (NASDAQ:CASS) Dividend Will Be $0.29

Cass Information Systems, Inc. Announces Executive Changes

Cass Information Systems (NASDAQ:CASS) Has Affirmed Its Dividend Of $0.29

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

Chairman & CEO exercised options and sold US$265k worth of stock

Upcoming dividend of US$0.29 per share