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Cass Information Systems, Inc.NasdaqGS:CASS Stock Report

Market Cap US$592.5m
Share Price
US$46.03
US$52
11.5% undervalued intrinsic discount
1Y9.3%
7D0.9%
1D
Portfolio Value
​
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Cass Information Systems, Inc.

NasdaqGS:CASS Stock Report

Market Cap: US$592.5m

Cass Information Systems (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
Valuation1/6
Future Growth2/6
Past Performance4/6
Financial Health5/6
Dividends5/6

Rewards

Earnings are forecast to grow 19.37% per year

Earnings grew by 56.1% over the past year

Pays a reliable dividend of 2.78%

Risk Analysis

No risks detected for CASS from our risk checks.

CASS Community Fair Values

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Cass Information Systems, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Cass Information Systems
Historical stock prices
Current Share PriceUS$46.03
52 Week HighUS$52.45
52 Week LowUS$36.07
Beta0.46
1 Month Change-2.69%
3 Month Change2.22%
1 Year Change9.28%
3 Year Change16.65%
5 Year Change-0.17%
Change since IPO1,855.01%

Recent News & Updates

Seeking Alpha • May 11

Cass Information Systems: Improved EPS, Same Core Volume Problem

Summary 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

Recent updates

Seeking Alpha • May 11

Cass Information Systems: Improved EPS, Same Core Volume Problem

Summary 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
Analysis Article • Oct 28

Cass Information Systems (NASDAQ:CASS) Will Pay A Larger Dividend Than Last Year At $0.32

Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...
Seeking Alpha • Jan 29

Cass Information Systems: Profit Declines And Strategic Challenges Warrant A Hold

Summary 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
Seeking Alpha • Nov 13

Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement

Summary 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
Analysis Article • Oct 29

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

Cass Information Systems, Inc. ( NASDAQ:CASS ) will increase its dividend from last year's comparable payment on the...
Analysis Article • Apr 20

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

When close to half the companies in the United States have price-to-earnings ratios (or "P/E's") below 16x, you may...
Seeking Alpha • Jan 22

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

Summary 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
Analysis Article • Oct 22

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

Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will be increasing its dividend from last year's...
Analysis Article • Aug 28

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

Cass Information Systems, Inc. ( NASDAQ:CASS ) will pay a dividend of $0.29 on the 15th of September. This makes the...
Analysis Article • Jul 30

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

The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per...
Analysis Article • Apr 19

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

It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
Analysis Article • Feb 19

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

Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend of $0.29 per share on the 15th...
Analysis Article • Feb 03

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

The board of Cass Information Systems, Inc. ( NASDAQ:CASS ) has announced that it will pay a dividend on the 15th of...

Shareholder Returns

CASSUS Diversified FinancialUS Market
7D0.9%-0.9%1.6%
1Y9.3%-10.8%28.2%

Return vs Industry: CASS exceeded the US Diversified Financial industry which returned -11.1% over the past year.

Return vs Market: CASS underperformed the US Market which returned 28.5% over the past year.

Price Volatility

Is CASS's price volatile compared to industry and market?
CASS volatility
CASS Average Weekly Movement3.2%
Diversified Financial Industry Average Movement5.8%
Market Average Movement7.2%
10% most volatile stocks in US Market16.8%
10% least volatile stocks in US Market3.0%

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 (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1906938Martin Reschwww.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 in 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 capUS$592.46m
Earnings (TTM)US$31.30m
Revenue (TTM)US$209.05m
18.9x
P/E Ratio
2.8x
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)
RevenueUS$209.05m
Cost of RevenueUS$109.57m
Gross ProfitUS$99.48m
Other ExpensesUS$68.18m
EarningsUS$31.30m

Last Reported Earnings

Mar 31, 2026

Next Earnings Date

n/a

Earnings per share (EPS)2.43
Gross Margin47.59%
Net Profit Margin14.97%
Debt/Equity Ratio60.0%

How did CASS perform over the long term?

See historical performance and comparison

Dividends

2.8%
Current Dividend Yield
53%
Payout Ratio

Does CASS pay a reliable dividends?

See CASS dividend history and benchmarks
When do you need to buy CASS by to receive an upcoming dividend?
Cass Information Systems dividend dates
Ex Dividend DateJun 05 2026
Dividend Pay DateJun 15 2026
Days until Ex dividend3 days
Days until Dividend pay date13 days

Does CASS pay a reliable dividends?

See CASS dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/01 14:51
End of Day Share Price 2026/05/29 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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.

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 Github.

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.

AnalystInstitution
Michael RoseRaymond James & Associates
Stephen MossRaymond James & Associates
Joseph YanchunisRaymond James & Associates