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CASS INFORMATION SYSTEMS INC

CASSNASDAQ
πŸ† #2636 by market capEarnings Jan 20US Equity
$53.53β–Ό $0.97 (βˆ’1.78%)
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24hβ–Ό 1.8%
7dβ–Ό 6.8%
14dβ–Ό 1.5%
30dβ–Ό 1.1%
ytdβ–² 28.7%
1yβ–² 36.4%
🏦Market Cap
$686M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-13.1%
Declining
πŸ“ŠGross Margin
100.0%
High
πŸ’΅FCF Margin
15.2%
Healthy
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$53.34 – $54.30
52-Week Range
$38.42 – $59.63
Volume (shares)
4,234
Avg Volume (shares)
β€”
Shares Outstanding
12.8M
Next Earnings
2027-01-20

Fundamentals Snapshot

Annual Revenue
$191M
Last Q Revenue
$52M
P/E Ratio
18.1
P/S Ratio
3.4x
EPS (TTM)
$2.99
Dividend Yield
2.38%
Dilution (1yr)
βˆ’3.6%
CASS logo

CASS INFORMATION SYSTEMS INC

CASS
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$191Mβ–Ό βˆ’13.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
100.0%β–² +17.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$39Mβ–² +60.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$32Mβ–² +7.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
13.2Mβ–Ό βˆ’3.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$388Mβ–² +$38M YoY
StockOtter Β· stockotter.space

About CASS INFORMATION SYSTEMS INC

Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across the United States. The company's operations are divided into two main areas: Information Services and Banking Services. Through its Information Services segment, Cass provides essential back-office solutions, including the intricate rating, payment processing, and auditing of freight invoices, alongside the production of crucial accounting and transportation data. This division also expertly handles the payment and management of various facility expenses, such as utility bills for electricity, natural gas, and waste, as well as offering comprehensive telecommunications expense management. The Banking Services segment, powered by its subsidiary Cass Commercial Bank, offers a full range of financial products. These include standard checking, savings, and time deposit accounts, in addition to commercial, industrial, and real estate lending. Cash management services are also provided, primarily serving privately-owned businesses and religious organizations. Furthermore, Cass extends its offerings with a modern B2B payment platform, tailored for clients in search of a flexible financial technology partner. Established in 1906, Cass Information Systems, Inc. is headquartered in St. Louis, Missouri, where its main banking facility is located. The company also maintains an operating branch in Bridgeton, Missouri, and leased facilities in Fenton, Missouri, and Colorado Springs, Colorado. It adopted its current name in January 2001, having previously been known as Cass Commercial Corporation.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Buy
8 analysts
Strong Buy2
Buy4
Hold2
Sell0
Strong Sell0
Ratings as of Oct 2026

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