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CASS INFORMATION SYSTEMS INC

CASSNASDAQ
πŸ† #2258 by market capEarnings Oct 22US Equity
$57.49β–² $0.20 (+0.35%)
Market closed Β· at close
1hβ€”
24hβ–² 0.3%
7dβ–² 0.4%
14dβ–² 2.9%
30dβ–² 9.4%
1yβ–² 35.5%
🏦Market Cap
$735M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+4.3%
Slowing
πŸ“ŠGross Margin
92.6%
High
πŸ’΅FCF Margin
13.1%
Healthy
βš–οΈP/S Ratio
3.4x
Fair
Otter Score
62
Fair

Trading Snapshot

Day Range
$56.65 – $58.48
52-Week Range
$36.07 – $58.88
Volume
$4.65B
Avg Volume
$4.66B
Shares Outstanding
12.8M
Next Earnings
Sep 21, 2026

Fundamentals Snapshot

Annual Revenue
$191M
Last Q Revenue
$50M
P/E Ratio
20.0
P/S Ratio
3.4x
EPS (TTM)
$2.80
Dividend Yield
2.24%

Why Investors Own CASS

  • βœ“High-growth profile β€” revenue up +12.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 31% gross margin and 11% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$191Mβ–² +7.3% YoY
Gross Margin (TTM)
31.0%β–² +1.2% YoY
Operating Income (TTM)
$52Mβ–² +7.3% YoY
Free Cash Flow (TTM)
$20Mβ–² +7.3% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
62/100

Analyst Price Target

β“˜
Average Target
$69.03
β–² +20.1% Upside
High Target$75.41
Low Target$52.87
Based on 26 analysts

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