CASS Stock Overview
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States.
No risks detected for CASS from our risk checks.
Cass Information Systems Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$34.71|
|52 Week High||US$48.21|
|52 Week Low||US$34.12|
|1 Month Change||-13.12%|
|3 Month Change||-16.34%|
|1 Year Change||-24.12%|
|3 Year Change||-23.34%|
|5 Year Change||-26.65%|
|Change since IPO||1,374.22%|
Recent News & Updates
Cass Information Systems: Set To Benefit From Inflation And Rising Rates
Cass is a payment processor that benefits from increasing transportation and utility costs due to wage and fuel inflation. Cass also operates an asset-sensitive commercial bank that will significantly increase margins as interest rates rise. Shares have stagnated even as the company's earnings have steadily improved. Shareholders will benefit from buybacks and dividends.
|CASS||US IT||US Market|
Return vs Industry: CASS exceeded the US IT industry which returned -26.4% over the past year.
Return vs Market: CASS underperformed the US Market which returned -10.4% over the past year.
|CASS Average Weekly Movement||3.8%|
|IT Industry Average Movement||10.2%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.7%|
|10% least volatile stocks in US Market||2.8%|
Stable Share Price: CASS is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CASS's weekly volatility (4%) has been stable over the past year.
About the Company
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company’s services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information.
Cass Information Systems Fundamentals Summary
|CASS fundamental statistics|
Is CASS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CASS income statement (TTM)|
|Cost of Revenue||US$95.05m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.18|
|Net Profit Margin||18.52%|
How did CASS perform over the long term?See historical performance and comparison
3.2%Current Dividend Yield
Does CASS pay a reliable dividends?See CASS dividend history and benchmarks
|Cass Information Systems dividend dates|
|Ex Dividend Date||Jun 02 2022|
|Dividend Pay Date||Jun 15 2022|
|Days until Ex dividend||16 days|
|Days until Dividend pay date||29 days|
Does CASS pay a reliable dividends?See CASS dividend history and benchmarks
Is Cass Information Systems undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CASS ($34.71) is trading below our estimate of fair value ($35.47)
Significantly Below Fair Value: CASS is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: CASS is good value based on its PE Ratio (15.9x) compared to the US IT industry average (26.3x).
PE vs Market: CASS is poor value based on its PE Ratio (15.9x) compared to the US market (15.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate CASS's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: CASS is good value based on its PB Ratio (2.2x) compared to the US IT industry average (3.1x).
How is Cass Information Systems forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score0/6
Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted Software industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Cass Information Systems has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Cass Information Systems performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CASS has high quality earnings.
Growing Profit Margin: CASS's current net profit margins (18.5%) are higher than last year (17%).
Past Earnings Growth Analysis
Earnings Trend: CASS's earnings have grown by 0.9% per year over the past 5 years.
Accelerating Growth: CASS's earnings growth over the past year (20.6%) exceeds its 5-year average (0.9% per year).
Earnings vs Industry: CASS earnings growth over the past year (20.6%) underperformed the IT industry 21.9%.
Return on Equity
High ROE: CASS's Return on Equity (13.7%) is considered low.
How is Cass Information Systems's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CASS's short term assets ($1.5B) do not cover its short term liabilities ($1.6B).
Long Term Liabilities: CASS's short term assets ($1.5B) exceed its long term liabilities ($591.8M).
Debt to Equity History and Analysis
Debt Level: CASS is debt free.
Reducing Debt: CASS had no debt 5 years ago.
Debt Coverage: CASS has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: CASS has no debt, therefore coverage of interest payments is not a concern.
What is Cass Information Systems's current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: CASS's dividend (3.23%) is higher than the bottom 25% of dividend payers in the US market (1.54%).
High Dividend: CASS's dividend (3.23%) is low compared to the top 25% of dividend payers in the US market (4.05%).
Stability and Growth of Payments
Stable Dividend: CASS's dividends per share have been stable in the past 10 years.
Growing Dividend: CASS's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (51.4%), CASS's dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonable cash payout ratio (56.4%), CASS's dividend payments are covered by cash flows.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Eric Brunngraber (64 yo)
Mr. Eric H. Brunngraber has been the Chief Executive Officer of Cass Information Systems Inc. since July 20, 2008 and had been its President since May 15, 2006 until January 25, 2022. Mr. Brunngraber is a...
CEO Compensation Analysis
Compensation vs Market: Eric's total compensation ($USD2.36M) is about average for companies of similar size in the US market ($USD2.65M).
Compensation vs Earnings: Eric's compensation has been consistent with company performance over the past year.
Experienced Management: CASS's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Experienced Board: CASS's board of directors are seasoned and experienced ( 14.1 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Cass Information Systems, Inc.'s employee growth, exchange listings and data sources
- Name: Cass Information Systems, Inc.
- Ticker: CASS
- Exchange: NasdaqGS
- Founded: 1906
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$473.890m
- Shares outstanding: 13.65m
- Website: https://www.cassinfo.com
Number of Employees
- Cass Information Systems, Inc.
- 12444 Powerscourt Drive
- Suite 550
- Saint Louis
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/15 00:00|
|End of Day Share Price||2022/05/13 00:00|
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.