CASS - Cass Information Systems Inc Stock Price, Fair Value and News

44.49USD+0.04 (+0.09%)Market Closed

Market Summary

USD44.49+0.04

Market Closed

0.09%

CASS Stock Price

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CASS RSI Chart

CASS Valuation

Market Cap

607.0M

Price/Earnings (Trailing)

20.17

Price/Sales (Trailing)

3.07

EV/EBITDA

3.85

Price/Free Cashflow

28.31

CASS Price/Sales (Trailing)

CASS Profitability

EBT Margin

18.90%

Return on Equity

13.11%

Return on Assets

1.31%

Free Cashflow Yield

3.53%

CASS Fundamentals

CASS Revenue

Revenue (TTM)

197.8M

Rev. Growth (Yr)

0.67%

Rev. Growth (Qtr)

-2.09%

CASS Earnings

Earnings (TTM)

30.1M

Earnings Growth (Yr)

0.49%

Earnings Growth (Qtr)

-14.96%

Breaking Down CASS Revenue

Last 7 days

2.3%

Last 30 days

-7.5%

Last 90 days

3.3%

Trailing 12 Months

19.3%

How does CASS drawdown profile look like?

CASS Financial Health

CASS Investor Care

Dividend Yield

2.65%

Dividend/Share (TTM)

1.18

Buy Backs (1Y)

0.53%

Diluted EPS (TTM)

2.19

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	197.8M	0	0	0
2023	189.7M	193.7M	195.7M	197.5M
2022	159.1M	164.9M	173.5M	182.5M
2021	143.9M	148.4M	151.3M	154.1M
2020	157.0M	151.5M	146.8M	145.0M
2019	150.7M	153.7M	156.6M	157.2M
2018	139.0M	141.7M	145.0M	148.3M
2017	127.1M	129.8M	132.4M	135.3M
2016	121.8M	122.6M	123.7M	125.5M
2015	118.3M	119.1M	120.1M	120.8M
2014	115.1M	115.2M	115.8M	117.2M
2013	111.5M	112.3M	113.5M	114.8M
2012	108.9M	110.7M	111.3M	111.5M
2011	99.5M	102.4M	105.0M	106.5M
2010	0	90.7M	93.5M	96.2M
2009	0	0	0	87.9M

Get all data in R, Python etc through our Historical Stock Data APIs

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Small Caps and Mid Caps are mostly overlooked by investors as all the focus goes to Magnificent 7. These stocks that are not part of the beauty contest require a deeper look. However, all large cap stocks were once small caps. Grufity's Fair Value model opens up this unverse as it separates high-performing, rewarding stocks from low-performing risky stocks. <b>Russell 2000 stocks that were marked 'Very Cheap' by the model doubled in three years while the index was flat.</b>

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Russell 2000 Index: $10,334
Very Expensive Stocks: $8,224

Russell 2000 stocks considered 'Very Cheap' by the model greatly outperformed Russell 2000 index and the 'Very Expensive' bucket over past three years.

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Tracking the Latest Insider Buys and Sells of Cass Information Systems Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 18, 2024	henry wendy j.	acquired	69,975	43.68	1,602	-
Apr 18, 2024	rupp joseph d	acquired	69,975	43.68	1,602	-
Apr 18, 2024	ebel robert a	acquired	69,975	43.68	1,602	-
Apr 18, 2024	lindemann james j	acquired	69,975	43.68	1,602	-
Apr 18, 2024	clermont ralph w	acquired	69,975	43.68	1,602	-
Apr 18, 2024	edwards benjamin f iv	acquired	69,975	43.68	1,602	-
Apr 18, 2024	schilling randall l	acquired	69,975	43.68	1,602	-
Apr 18, 2024	roth sally h	acquired	69,975	43.68	1,602	-
Apr 18, 2024	marr ann walter	acquired	69,975	43.68	1,602	-
Apr 18, 2024	wicks frank	acquired	69,975	43.68	1,602	-

Which funds bought or sold CASS recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 07, 2024	HEARTLAND ADVISORS INC	added	5.71	2,075,540	18,008,000	0.94%
May 07, 2024	NEW YORK STATE COMMON RETIREMENT FUND	added	31.37	102,000	356,000	-%
May 07, 2024	BEACON FINANCIAL GROUP	reduced	-9.69	-17,899	503,177	0.06%
May 07, 2024	SUSQUEHANNA INTERNATIONAL GROUP, LLP	sold off	-100	-315,620	-	-%
May 07, 2024	Cornerstone Planning Group LLC	new	-	753	753	-%
May 07, 2024	Swiss National Bank	unchanged	-	80,034	1,235,660	-%
May 06, 2024	IFG Advisory, LLC	reduced	-1.48	102,460	2,018,760	0.15%
May 06, 2024	Parallel Advisors, LLC	added	93.55	2,987	5,780	-%
May 06, 2024	NEW YORK LIFE INVESTMENT MANAGEMENT LLC	reduced	-3.03	13,221	372,450	-%
May 06, 2024	SG Americas Securities, LLC	sold off	-100	-173,000	-	-%

Are Funds Buying or Selling CASS?

Are funds buying CASS calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CASS

No. of Funds

Unveiling Cass Information Systems Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	6.00%	815,588	SC 13G/A
Jan 26, 2024	blackrock inc.	8.0%	1,081,441	SC 13G/A
Feb 09, 2023	vanguard group inc	6.49%	886,438	SC 13G/A
Jan 31, 2023	blackrock inc.	7.7%	1,049,109	SC 13G/A
Feb 09, 2022	vanguard group inc	5.75%	806,231	SC 13G/A
Feb 01, 2022	blackrock inc.	7.1%	990,489	SC 13G/A
Feb 10, 2021	vanguard group inc	5.76%	830,755	SC 13G/A
Jan 29, 2021	blackrock inc.	7.1%	1,024,385	SC 13G/A
May 08, 2020	kayne anderson rudnick investment management llc	0.00%	511	SC 13G/A
Feb 14, 2020	kayne anderson rudnick investment management llc	7.66%	1,111,123	SC 13G/A

Recent SEC filings of Cass Information Systems Inc

View All Filings

Date Filed	Form Type	Document
May 03, 2024	10-Q	Quarterly Report
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading
Apr 19, 2024	4	Insider Trading

Peers (Alternatives to Cass Information Systems Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
ADP	99.4B	18.9B	-1.50%	13.70%	26.88	5.26	7.08%	13.46%
CTAS	70.1B	9.4B	1.93%	49.61%	46.6	7.45	9.34%	15.98%
CPRT	53.0B	4.1B	-2.01%	38.74%	39.09	13.06	10.52%	25.37%
EFX	29.0B	5.4B	-9.55%	17.56%	51.91	5.41	5.76%	-4.95%
BAH	19.6B	10.3B	2.56%	63.55%	47.89	1.9	13.90%	-5.05%
ALLE	10.8B	3.6B	-6.61%	15.05%	20.07	3	4.33%	10.69%
MID-CAP
RHI	7.4B	6.2B	-7.22%	4.88%	20.86	1.2	-13.83%	-42.32%
AL	5.5B	2.7B	-2.78%	28.51%	9.35	2.01	15.08%	16.51%
SRCL	4.4B	2.6B	-8.93%	8.80%	-224.06	1.66	-3.11%	-123.81%
ABM	2.8B	8.2B	1.61%	5.47%	11.04	0.35	3.98%	33.49%
SMALL-CAP
AZZ	1.9B	2.7B	-8.07%	111.87%	18.61	0.7	104.63%	188.16%
ALTG	384.8M	1.9B	-10.69%	-15.56%	43.24	0.2	15.20%	-4.30%
ARC	118.3M	283.1M	3.01%	-2.49%	13.52	0.42	-0.83%	-20.92%
AQMS	51.5M	1.1M	-25.81%	-58.18%	-2.15	49.78	336.95%	-55.13%
AWX	8.3M	81.0M	-9.36%	-18.66%	-7.54	0.1	-4.98%	-14.33%

Cass Information Systems Inc News

Latest updates

Cass Information Systems Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-2.1%	50.00	51.00	49.00	48.00	49.00	49.00	47.00	44.00	42.00	40.00	39.00	38.00	37.00	37.00	36.00	34.00	38.00	39.00	41.00	39.00	38.00
EBITDA Margin	-0.5%	0.54*	0.55*	0.56*	0.57*	0.58*	0.58*	0.53*	0.52*	0.53*	0.53*	0.55*	0.54*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.3%	16.00	17.00	17.00	16.00	17.00	17.00	16.00	14.00	12.00	12.00	11.00	11.00	10.00	12.00	11.00	11.00	11.00	12.00	12.00	12.00	12.00
Income Taxes	-4.6%	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	1.00	1.00	2.00	2.00	1.00	1.00	1.00	2.00	2.00	2.00	2.00	2.00
Earnings Before Taxes	-13.0%	9.00	10.00	9.00	9.00	9.00	11.00	11.00	11.00	10.00	9.00	8.00	9.00	9.00	7.00	7.00	7.00	9.00	8.00	10.00	9.00	10.00
EBT Margin	-0.1%	0.19*	0.19*	0.19*	0.21*	0.22*	0.24*	0.23*	0.23*	0.22*	0.22*	0.22*	0.21*	-	-	-	-	-	-	-	-	-
Net Income	-15.0%	7.00	8.00	7.00	7.00	7.00	9.00	9.00	9.00	8.00	8.00	7.00	7.00	7.00	6.00	6.00	5.00	8.00	6.00	8.00	8.00	8.00
Net Income Margin	-0.1%	0.15*	0.15*	0.16*	0.17*	0.18*	0.19*	0.19*	0.19*	0.19*	0.19*	0.18*	0.18*	-	-	-	-	-	-	-	-	-
Free Cashflow	136.6%	6.00	3.00	9.00	3.00	7.00	9.00	9.00	15.00	13.00	2.00	8.00	4.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-7.5%	2,294	2,479	2,505	2,471	2,427	2,573	2,611	2,444	2,422	2,555	2,293	2,272	2,217	2,203	2,000	1,829	1,732	1,764	1,781	1,729	1,685
Cash Equivalents	-48.2%	193	372	408	270	210	201	347	261	191	515	500	622	600	671	439	232	163	204	223	184	184
Net PPE	8.4%	33.00	30.00	26.00	24.00	21.00	20.00	19.00	19.00	19.00	18.00	17.00	18.00	18.00	18.00	19.00	20.00	20.00	21.00	21.00	21.00	22.00
Goodwill	0%	17.00	17.00	17.00	17.00	17.00	17.00	17.00	17.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	16.00	13.00	13.00
Liabilities	-8.2%	2,064	2,249	2,299	2,256	2,210	2,367	2,419	2,238	2,205	2,309	2,045	2,012	1,957	1,942	1,749	1,580	1,491	1,520	1,534	1,488	1,450
Shareholder's Equity	-0.1%	229	230	206	215	218	206	192	206	217	246	248	261	259	8.00	251	249	241	244	247	240	234
Retained Earnings	2.1%	149	146	141	138	135	132	126	121	117	112	108	105	102	99.00	97.00	96.00	94.00	90.00	88.00	83.00	80.00
Additional Paid-In Capital	-1.8%	204	208	208	207	207	207	206	204	203	204	204	203	203	205	205	204	204	205	206	205	205
Shares Outstanding	0.3%	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	14.00	-	-	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	516	-	-	-	521	-	-	-	544	-	-	-	550	-	-	-	702	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	29.8%	9,827	7,570	12,393	7,680	9,293	10,809	9,737	16,326	14,736	3,867	8,921	5,055	16,704	7,720	7,406	14,495	18,160	2,352	13,401	9,938	16,435
Share Based Compensation	341.0%	1,226	278	938	909	2,000	2,143	1,300	2,100	1,300	274	1,066	826	693	-10.00	799	756	722	858	869	560	857
Cashflow From Investing	-179.6%	-71,976	90,417	30,760	59,558	103,927	-56,529	-86,156	37,395	-201,100	-252,484	-150,035	-31,301	-94,697	24,638	33,215	-50,378	-51,375	-318	-6,541	-42,290	-26,608
Cashflow From Financing	12.3%	-117,516	-133,954	94,809	-7,243	-103,684	-100,332	162,179	16,064	-137,115	263,236	19,842	48,168	7,124	198,719	166,691	104,828	-7,545	-20,818	32,365	31,511	-36,406
Dividend Payments	0.4%	4,089	4,072	3,946	3,964	3,977	3,964	3,824	3,822	3,832	3,870	3,815	3,875	3,886	3,895	3,893	3,893	3,918	3,917	3,769	3,772	3,776
Buy Backs	87.9%	1,054	561	2,835	2,377	-	-	-	213	5,086	12,022	13,715	4,032	1,228	1,317	-	-	5,508	-	-	2,098	5,701

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CASS Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Mar. 31, 2024	Mar. 31, 2023
Fee Revenue and Other Income:
Fee revenues	$ 32,311	$ 31,036
Other	1,267	1,335
Total fee revenue and other income	33,297	32,107
Interest Income:
Interest and fees on loans	12,776	12,235
Interest and dividends on securities:
Taxable	3,519	3,586
Exempt from federal income taxes	918	1,208
Interest on federal funds sold and other short-term investments	4,441	3,113
Total interest income	21,654	20,142
Interest Expense:
Interest on deposits	5,178	3,171
Interest on short-term borrowings	0	73
Total interest expense	5,178	3,244
Net interest income	16,476	16,898
Provision for (release of) credit losses	95	(340)
Net interest income after provision for (release of) credit losses	16,381	17,238
Total net revenue	49,678	49,345
Operating Expense:
Personnel	30,607	30,026
Occupancy	861	855
Equipment	1,881	2,082
Amortization of intangible assets	191	195
Other operating expense	7,131	7,214
Total operating expense	40,671	40,372
Income before income tax expense	9,007	8,973
Income tax expense	1,855	1,856
Net income	$ 7,152	$ 7,117
Basic earnings per share (in dollars per share)	$ 0.53	$ 0.52
Diluted earnings per share (in dollars per share)	$ 0.52	$ 0.51
Processing fees
Fee Revenue and Other Income:
Fee revenues	$ 21,253	$ 19,513
Financial fees
Fee Revenue and Other Income:
Fee revenues	$ 10,777	$ 11,259

CASS Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 17,323	$ 20,908
Short-term investments	175,480	351,560
Cash and cash equivalents	192,803	372,468
Securities available-for-sale, at fair value	621,929	627,117
Loans	1,036,997	1,014,318
Less: Allowance for credit losses	13,299	13,089
Loans, net	1,023,698	1,001,229
Payments in advance of funding	221,552	198,861
Premises and equipment, net	32,613	30,093
Investment in bank-owned life insurance	49,496	49,159
Goodwill	17,309	17,309
Other intangible assets, net	3,154	3,345
Receivables from Customers	32,856	110,651
Other assets	98,169	68,390
Total assets	2,293,579	2,478,622
Deposits:
Noninterest-bearing	412,879	524,359
Interest-bearing	666,213	616,455
Total deposits	1,079,092	1,140,814
Accounts and drafts payable	944,793	1,071,369
Other liabilities	40,207	36,630
Total liabilities	2,064,092	2,248,813
Shareholders’ Equity:
Preferred stock, par value $.50 per share; 2,000,000 shares authorized and no shares issued	0	0
Common Stock, Value, Outstanding	7,753	7,753
Additional paid-in capital	204,361	208,007
Retained earnings	148,845	145,782
Common shares in treasury, at cost (1,877,924 shares at March 31, 2024 and 1,923,397 shares at December 31, 2023)	82,316	84,264
Accumulated other comprehensive loss	(49,156)	(47,469)
Total shareholders’ equity	229,487	229,809
Total liabilities and shareholders’ equity	$ 2,293,579	$ 2,478,622

About Cass Information Systems Inc

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. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.

CEO	Mr. Martin H. Resch
WEBSITE	cassinfo.com
INDUSTRY	Information Technology Services
EMPLOYEES	940

Cass Information Systems Inc Frequently Asked Questions

What is the ticker symbol for Cass Information Systems Inc? What does CASS stand for in stocks?

CASS is the stock ticker symbol of Cass Information Systems Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Cass Information Systems Inc (CASS)?

As of Wed May 08 2024, market cap of Cass Information Systems Inc is 607.01 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CASS stock?

You can check CASS's fair value in chart for subscribers.

What is the fair value of CASS stock?

You can check CASS's fair value in chart for subscribers. The fair value of Cass Information Systems Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Cass Information Systems Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CASS so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Cass Information Systems Inc a good stock to buy?

The fair value guage provides a quick view whether CASS is over valued or under valued. Whether Cass Information Systems Inc is cheap or expensive depends on the assumptions which impact Cass Information Systems Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CASS.

What is Cass Information Systems Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Wed May 08 2024, CASS's PE ratio (Price to Earnings) is 20.17 and Price to Sales (PS) ratio is 3.07. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CASS PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Cass Information Systems Inc's stock?

In the past 10 years, Cass Information Systems Inc has provided 0.003 (multiply by 100 for percentage) rate of return.