YOLFTbeta
Cass Information Systems Inc

Cass Information Systems Inc

CASS · NASDAQ · Industrials / Specialty Business Services

55.71USD+0.38 (+0.69%)

Price History

Full chart

Market Stats

Previous Close55.33
Open55.63
Day Range55.31 – 55.87
52-Week Range35.10 – 59.29
Volume42.50K
Market Cap691.56M
P/E (TTM)19.54
Forward P/E18.62
EPS2.77
Dividend Yield2.35%
Beta0.42
50-Day Avg55.91
200-Day Avg48.36

About

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. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. 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-based 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 a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri.

Company Details

  • SectorIndustrials
  • IndustrySpecialty Business Services
  • CEOMr. Martin H. Resch
  • Employees910
  • Headquarters12444 Powerscourt Drive, Saint Louis, MO, United States, 63131, USA
  • Websitehttps://www.cassinfo.com

Leadership

  • Mr. Eric H. BrunngraberExecutive Chairman · b. 1957
  • Mr. Martin H. ReschPresident, CEO & Director · b. 1966
  • Mr. Michael James Normile CPAExecutive VP & CFO · b. 1951
  • Mr. James M. Cavellier Jr.Executive VP & Chief Information Officer · b. 1968
  • Mr. Matthew Steven Schuckman J.D.Executive VP, General Counsel & Corporate Secretary · b. 1974
  • Carl N. FriedholmSenior Vice President of Strategy & Business Operations
  • Christi A. ReiterSenior Vice President & Chief HR Officer
  • Mr. Todd J. WillsSenior VP & President of Facilities
  • Mr. Anthony G. UrbanExecutive Vice President of Transportation Information Services
  • Teresa D. MearesSenior VP & Facilities Chief Revenue Officer

Financials

Income Statement

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue46.50M45.60M46.80M48.20M47.90M52.99M55.55M57.37M66.45M69.94M76.90M89.87M97.55M97.31M95.02M105.19M113.06M117.07M118.15M119.67M122.08M126.07M137.49M152.00M162.68M148.13M155.19M187.31M213.23M219.89M191.10M
Growth (%)--1.94%+2.63%+2.99%-0.62%+10.63%+4.83%+3.28%+15.82%+5.25%+9.96%+16.87%+8.54%-0.24%-2.35%+10.70%+7.48%+3.55%+0.92%+1.28%+2.02%+3.27%+9.06%+10.56%+7.02%-8.94%+4.77%+20.70%+13.84%+3.13%-13.10%
Cost of Revenue-----44.88M45.57M45.68M53.20M6.90M6.63M10.95M12.77M8.53M9.85M9.14M8.50M8.21M8.62M8.65M8.94M9.34M10.29M12.53M14.77M24.90M11.52M12.88M26.09M32.23M13.86M
Gross Profit46.50M45.60M46.80M48.20M47.90M52.99M55.55M57.37M66.45M63.03M70.28M78.92M84.78M88.78M85.17M96.06M104.56M108.86M109.53M111.01M113.14M116.73M127.19M139.47M147.91M123.23M143.67M174.42M187.14M187.66M191.10M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%90.13%91.38%87.82%86.91%91.24%89.63%91.31%92.48%92.99%92.70%92.77%92.67%92.60%92.51%91.76%90.92%83.19%92.58%93.12%87.77%85.34%100.00%
Operating Expense33.10M31.40M31.90M32.30M33.90M36.80M40.92M44.80M53.23M51.70M50.95M55.10M58.84M62.62M63.63M68.12M73.06M77.67M78.79M79.22M83.50M84.67M92.30M103.13M110.44M92.89M109.85M131.52M149.67M163.44M152.34M
Operating Income13.40M14.20M14.90M15.90M14.00M16.19M14.64M12.57M13.22M11.34M19.33M23.83M25.94M26.17M21.53M27.93M31.51M31.19M30.73M31.79M29.63M32.06M34.90M36.35M37.47M30.34M33.82M42.90M37.47M24.22M38.76M
Operating Margin28.82%31.14%31.84%32.99%29.23%30.56%26.35%21.91%19.89%16.21%25.13%26.51%26.60%26.89%22.66%26.55%27.87%26.64%26.01%26.57%24.27%25.43%25.38%23.91%23.03%20.48%21.79%22.90%17.57%11.01%20.28%
EBITDA16.00M16.90M17.50M18.30M16.50M18.84M17.99M16.57M17.85M15.22M21.47M26.30M28.70M29.04M24.13M30.06M33.57M33.72M33.63M34.89M34.45M35.72M38.95M40.74M42.26M41.61M38.99M47.60M42.44M30.21M45.96M
EBITDA Margin34.41%37.06%37.39%37.97%34.45%35.56%32.39%28.88%26.87%21.76%27.92%29.26%29.42%29.84%25.39%28.58%29.69%28.80%28.46%29.15%28.22%28.33%28.33%26.80%25.98%28.09%25.13%25.41%19.90%13.74%24.05%
Net Income6.20M6.50M7.00M7.40M6.20M7.15M7.03M7.31M7.90M8.01M10.95M15.07M17.80M19.01M16.13M20.31M23.01M23.30M23.50M24.03M23.06M24.35M25.01M30.27M30.40M25.18M28.60M34.90M30.06M19.17M35.12M
Net Income Margin13.33%14.25%14.96%15.35%12.94%13.49%12.65%12.74%11.89%11.45%14.23%16.76%18.24%19.53%16.97%19.31%20.35%19.91%19.89%20.08%18.89%19.31%18.19%19.91%18.69%17.00%18.43%18.63%14.10%8.72%18.38%
R&D----------------000000.250.250.240.230.20.220.230.18--
R&D as % of Total Revenue----------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%--
Interest Expense4.10M4.60M4.30M4.30M4.40M5.18M3.87M2.27M1.86M3.10M4.69M205.00K236.00K199.00K129.00K4.88M4.37M3.15M2.83M2.46M2.11M2.03M2.19M3.74M2.00K2.00K1.17M3.48M116.00K1.00K16.33M
Interest Expense % of Total Revenue8.82%10.09%9.19%8.92%9.19%9.78%6.97%3.96%2.80%4.43%6.09%0.23%0.24%0.20%0.14%4.63%3.87%2.69%2.40%2.06%1.73%1.61%1.59%2.46%0.00%0.00%0.75%1.86%0.05%0.00%8.54%

Balance Sheet

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets428.10M438.30M438.30M503.90M500.80M576.89M600.88M572.23M639.70M716.52M818.70M858.47M903.04M885.23M1.01B1.19B1.32B1.29B1.33B1.50B1.46B1.50B1.60B1.70B1.76B2.20B2.55B2.57B2.48B2.40B2.61B
Total Liabilities384.80M390.50M385.60M446.50M444.20M523.07M545.36M511.19M574.90M646.93M743.42M774.55M803.59M778.99M883.41M1.05B1.16B1.11B1.14B1.30B1.25B1.30B1.43B1.47B1.52B1.94B2.31B2.37B2.25B2.17B2.36B
Total Equity43.30M47.80M52.70M57.40M56.60M53.82M55.52M61.05M64.79M69.59M75.28M83.92M99.45M106.24M129.57M142.09M160.55M174.01M190.43M200.43M207.38M208.03M225.09M229.85M244.19M261.16M245.80M206.32M229.81M229.03M243.00M
Cash90.30M67.20M99.10M179.40M124.20M115.93M31.91M24.28M17.75M23.13M29.56M27.00M26.72M10.04M39.19M79.58M136.13M127.35M171.60M212.27M185.42M148.67M169.48M194.32M203.95M670.53M514.93M200.94M372.47M349.73M392.27M
Total Debt-2.50M400.00K300.00K200.00K112.70M200.00K37.44M123.00K3.83M3.89M3.88M3.69M2.99M26.00K9.00K416.40M419.60M582.50M459.20M464.66M407.31M396.55M408.67M18.00M6.18M378.06M9.50M8.48M7.43M4.51M
Net Debt-90.30M-64.70M-98.70M-179.10M-124.00M-3.23M-31.71M13.16M-17.63M-19.30M-25.67M-23.11M-23.03M-7.05M-39.16M-79.57M280.27M292.25M410.90M246.93M279.24M258.64M227.07M214.34M-185.95M-670.53M-514.93M-200.94M-372.47M-349.73M-387.76M

Cash Flow

Currency: USD1995-12-311996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow7.00M9.60M8.30M8.60M10.40M12.31M8.70M8.98M12.13M10.03M12.45M15.49M23.65M22.03M19.08M23.78M25.64M35.33M28.89M34.84M33.49M35.19M38.89M48.34M42.13M47.78M34.55M51.61M36.94M38.95M37.44M
Investing Cash Flow-1.20M-39.40M30.80M12.60M-56.10M-86.71M-43.44M-40.77M-37.20M-43.62M-44.58M9.94M-69.09M-129.48M-75.65M-124.50M-31.04M-65.21M24.90M-100.95M-3.64M-41.55M-139.84M-46.80M-75.76M-43.90M-528.52M-306.39M284.66M3.95M-145.28M
Financing Cash Flow13.80M6.70M-7.20M59.10M-9.50M66.11M18.67M-38.06M57.42M58.77M94.27M21.38M25.00M-39.14M106.38M160.36M102.43M-65.00M30.39M135.18M-71.02M19.93M62.32M1.28M6.65M462.69M338.37M-59.20M-150.07M-65.64M150.38M
Capital Expenditure3.20M1.70M3.90M1.30M1.90M7.04M5.94M2.22M1.88M1.59M2.58M2.95M2.11M1.24M1.08M1.19M1.93M3.10M4.86M6.29M5.75M4.68M4.13M4.40M2.72M2.00M4.37M5.87M14.32M9.33M5.66M
Free Cash Flow3.80M7.90M4.40M7.30M8.50M5.27M2.75M6.76M10.25M8.44M9.87M12.54M21.54M20.79M18.00M22.59M23.72M32.23M24.03M28.55M27.75M30.50M34.76M43.94M39.40M45.78M30.18M45.74M22.61M29.62M31.77M
Dividends Paid2.10M2.30M2.50M2.80M2.90M2.78M2.58M2.63M2.81M3.03M3.20M3.67M4.12M4.50M4.92M5.45M6.28M7.36M8.51M9.34M9.70M9.98M10.68M13.18M15.23M15.60M15.45M15.44M15.96M16.46M16.51M
FCF to OCF54.29%82.29%53.01%84.88%81.73%42.81%31.65%75.32%84.49%84.13%79.27%80.94%91.07%94.37%94.36%94.99%92.49%91.23%83.19%81.94%82.84%86.69%89.39%90.90%93.54%95.81%87.35%88.63%61.22%76.05%84.87%
Dividend Paid to FCF55.26%29.11%56.82%38.36%34.12%52.83%93.68%38.89%27.45%35.90%32.46%29.23%19.12%21.64%27.36%24.12%26.47%22.84%35.42%32.70%34.95%32.71%30.71%29.99%38.66%34.07%51.18%33.76%70.58%55.58%51.96%

Earnings

Report DateOct 31, 1996Feb 5, 1997May 8, 1997Aug 7, 1997Oct 31, 1997Jan 30, 1998Apr 16, 1998Jul 21, 1998Oct 20, 1998May 26, 1999Jul 19, 1999Oct 19, 1999Jan 20, 2000Apr 13, 2000Jul 17, 2000Oct 16, 2000Jan 23, 2001Apr 13, 2001Jul 18, 2001Oct 16, 2001Jan 31, 2002Apr 12, 2002Jul 16, 2002Oct 16, 2002Jan 23, 2003Apr 21, 2003Jul 17, 2003Oct 23, 2003Jan 29, 2004Apr 19, 2004Jul 22, 2004Oct 21, 2004Feb 4, 2005Apr 18, 2005Jul 21, 2005Oct 20, 2005Feb 13, 2006Apr 17, 2006Jul 20, 2006Oct 19, 2006Jan 30, 2007Apr 16, 2007Jul 19, 2007Oct 18, 2007Jan 30, 2008Apr 21, 2008Jul 17, 2008Oct 23, 2008Jan 29, 2009Apr 20, 2009Jul 23, 2009Oct 22, 2009Jan 28, 2010Apr 19, 2010Jul 22, 2010Oct 21, 2010Jan 27, 2011Apr 18, 2011Jul 21, 2011Oct 20, 2011Jan 26, 2012Apr 16, 2012Jul 19, 2012Oct 18, 2012Jan 24, 2013Apr 15, 2013Jul 18, 2013Oct 24, 2013Jan 30, 2014Apr 21, 2014Jul 24, 2014Oct 23, 2014Jan 29, 2015Apr 20, 2015Jul 23, 2015Dec 31, 2015Feb 4, 2016Apr 18, 2016Jul 21, 2016Oct 20, 2016Feb 2, 2017Apr 27, 2017Jul 27, 2017Oct 26, 2017Feb 1, 2018Apr 26, 2018Jul 26, 2018Oct 25, 2018Jan 31, 2019Apr 25, 2019Jul 25, 2019Oct 24, 2019Jan 31, 2020Apr 23, 2020Jul 23, 2020Oct 22, 2020Jan 28, 2021May 6, 2021Aug 5, 2021Nov 5, 2021Feb 28, 2022May 6, 2022Aug 5, 2022Nov 7, 2022Jan 19, 2023Apr 17, 2023Jul 20, 2023Oct 19, 2023Jan 25, 2024Apr 18, 2024Jul 18, 2024Oct 17, 2024Jan 23, 2025Apr 17, 2025Jul 17, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate0.090.100.090.090.100.110.110.100.110.130.100.110.110.110.110.110.110.110.120.120.120.100.100.120.130.090.120.110.120.110.130.140.150.130.140.14--------------0.370.380.390.290.300.320.340.310.390.380.060.390.390.400.410.400.360.420.390.380.390.400.400.41-----------------------------0.640.710.700.670.550.480.590.530.500.440.600.720.630.640.630.720.80
EPS Actual0.100.100.080.100.100.110.090.110.110.110.090.090.090.110.110.110.120.120.120.130.110.090.150.120.130.100.150.140.140.130.110.130.170.190.170.210.170.260.240.260.250.280.280.310.320.270.300.350.360.260.240.290.290.310.330.370.340.380.380.400.370.390.390.400.350.390.390.400.340.380.390.420.370.360.390.400.390.390.420.440.420.510.520.550.570.650.600.610.480.550.520.560.430.520.370.400.440.490.480.480.550.600.620.640.670.600.520.540.610.520.320.210.330.630.380.690.620.660.71-
Surprise11.11%0.00%-11.11%11.11%0.00%0.00%-18.18%10.00%0.00%-15.38%-10.00%-18.18%-18.18%0.00%0.00%0.00%9.09%9.09%0.00%8.33%-8.33%-10.00%50.00%0.00%0.00%11.11%25.00%27.27%16.67%18.18%-15.38%-7.14%13.33%46.15%21.43%50.00%---------------35.14%-23.68%-25.64%6.90%10.00%15.63%0.00%22.58%-2.56%5.26%516.67%0.00%0.00%0.00%-14.63%-2.50%8.33%-4.76%-12.82%0.00%0.00%5.00%-7.50%-12.20%-----------------------------0.00%-5.63%-14.29%-22.39%-1.82%27.08%-11.86%-39.62%-58.00%-25.00%5.00%-47.22%9.52%-3.13%4.76%-1.39%-
Timing-------------------------------------------------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----Pre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap691.56M
Enterprise Value548.87M
Trailing P/E19.54
Forward P/E18.62
PEG Ratio0.00
Price / Sales3.22
Price / Book2.82
EPS2.77
Book Value19.11
Revenue (TTM)214.99M
Gross Profit (TTM)105.58M
EBITDA70.12M
Profit Margin17.08%
Operating Margin31.60%
Return on Equity15.13%
Return on Assets1.63%
Shares Outstanding12.78M
Shares Float11.24M
Beta0.42
Dividend Yield2.35%
Dividend Rate1.28
Payout Ratio47.76%

Analyst Ratings

Buy
Based on 1 analystsTarget 59.50
  • Buy
    1

Ownership Breakdown

Institutions
63.32%
Insiders
11.74%
Retail / Other
24.94%

Top Institutional Holders

  • BlackRock Inc
    903.28K7.05%
  • The Colony Group LLC
    686.01K5.36%
  • Vanguard Capital Management, LLC
    550.46K4.30%
  • Brown Advisory Holdings Inc
    521.64K4.07%
  • Heartland Advisors Inc
    493.41K3.85%
  • Speece Thorson Capital Group Inc
    347.33K2.71%
  • Dimensional Fund Advisors, Inc.
    341.43K2.67%
  • Geode Capital Management, LLC
    288.92K2.26%
  • State Street Corp
    287.57K2.25%
  • ProShare Advisors LLC
    279.92K2.19%
  • Tributary Capital Management, LLC
    241.75K1.89%
  • Vanguard Portfolio Management, LLC
    166.38K1.30%
  • Punch & Associates Inv Mgmt Inc
    156.53K1.22%
  • Arrowstreet Capital Limited Partnership
    137.69K1.08%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    398.24K3.11%
  • Heartland Value Investor
    375.00K2.93%
  • iShares Russell 2000 ETF
    350.84K2.74%
  • Brown Advisory Small-Cap Fdmtl Val Inv
    269.43K2.10%
  • ProShares Russell 2000 Dividend Growers
    141.87K1.11%
  • Tributary Small Company Instl
    138.72K1.08%

Dividends

20263×
0.32Sep 4, 20260.32Jun 5, 20260.32Mar 3, 2026
20254×
0.32Dec 5, 20250.31Sep 5, 20250.31Jun 3, 20250.31Mar 4, 2025
20244×
0.31Dec 3, 20240.30Sep 3, 20240.30Jun 4, 20240.30Mar 4, 2024
20234×
0.30Dec 4, 20230.29Sep 1, 20230.29Jun 2, 20230.29Mar 2, 2023
20224×
0.29Dec 2, 20220.28Sep 1, 20220.28Jun 2, 20220.28Mar 3, 2022
20214×
0.28Dec 2, 20210.27Sep 2, 20210.27Jun 3, 20210.27Mar 4, 2021
20201×
0.27Dec 3, 2020

Stock Splits

  • Dec 3, 20186:5
  • Dec 4, 201711:10
  • Dec 3, 201211:10
  • Dec 1, 201111:10
  • Nov 29, 200711:10
  • Sep 18, 20063:2
  • Sep 16, 20053:2
  • Mar 3, 200411:10
  • Dec 3, 200221:20
  • Mar 17, 19972:1