Cass Information Systems, Inc.

  • Market Cap: Micro Cap
  • Industry: Miscellaneous
  • ISIN: US14808P1093
USD
43.20
0.72 (1.69%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

70.09 k

Shareholding (Mar 2025)

FII

3.07%

Held by 49 FIIs

DII

64.43%

Held by 33 DIIs

Promoter

0.00%

How big is Cass Information Systems, Inc.?

22-Jun-2025

As of Jun 18, Cass Information Systems, Inc. has a market capitalization of 614.13 million, with net sales of 216.38 million and a net profit of 20.56 million over the latest four quarters. As of Dec'24, shareholder's funds were 229.03 million, and total assets were 2,395.08 million.

Market Cap: As of Jun 18, Cass Information Systems, Inc. has a market capitalization of 614.13 million, categorizing it as a Micro Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, Cass Information Systems reported net sales of 216.38 million and a net profit of 20.56 million.<BR><BR>Balance Sheet Snapshot: As of Dec'24, the company's shareholder's funds amounted to 229.03 million, while total assets were reported at 2,395.08 million.

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What does Cass Information Systems, Inc. do?

22-Jun-2025

Cass Information Systems, Inc. provides payment and information processing services, primarily in the micro-cap market. As of March 2025, it reported net sales of $51 million and a net profit of $9 million, with a market cap of $614.13 million.

Overview:<BR>Cass Information Systems, Inc. is a provider of payment and information processing services in the Miscellaneous industry, operating within the micro-cap market.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 51 Million (Quarterly Results - Mar 2025)<BR>Most recent Net Profit: 9 Million (Quarterly Results - Mar 2025)<BR>Market cap: USD 614.13 Million (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 31.00<BR>Dividend Yield: 2.06%<BR>Debt Equity: -0.94<BR>Return on Equity: 8.78%<BR>Price to Book: 2.62<BR><BR>Contact Details:<BR>Address: 12444 Powerscourt Dr, ST. LOUIS MO: 63131-3660<BR>Tel: 1 314 5065500<BR>Website: https://www.cassinfo.com/

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Should I buy, sell or hold Cass Information Systems, Inc.?

22-Jun-2025

Who are in the management team of Cass Information Systems, Inc.?

22-Jun-2025

As of March 2022, the management team of Cass Information Systems, Inc. includes Chairman and CEO Eric Brunngraber, Lead Independent Director Joseph Rupp, and Independent Directors Ralph Clermont, Robert Ebel, Benjamin Edwards, and James Lindemann, who oversee the company's operations and strategy.

As of March 2022, the management team of Cass Information Systems, Inc. includes:<BR><BR>- Mr. Eric Brunngraber, who serves as the Chairman of the Board, President, and Chief Executive Officer.<BR>- Mr. Joseph Rupp, who is the Lead Independent Director.<BR>- Mr. Ralph Clermont, an Independent Director.<BR>- Mr. Robert Ebel, an Independent Director.<BR>- Mr. Benjamin Edwards, an Independent Director.<BR>- Mr. James Lindemann, an Independent Director. <BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is Cass Information Systems, Inc. overvalued or undervalued?

20-Sep-2025

As of October 19, 2023, Cass Information Systems, Inc. is considered overvalued with a P/E ratio of 31 and a year-to-date return of 4.40%, significantly trailing the S&P 500's 12.22% return.

As of 19 October 2023, the valuation grade for Cass Information Systems, Inc. has moved from fair to expensive. The company appears to be overvalued based on its current metrics, with a P/E ratio of 31, a Price to Book Value of 2.69, and an EV to EBITDA of 10.74. In comparison to peers, HireRight Holdings Corp. has a significantly higher P/E of 57.62, while International Money Express, Inc. shows a much lower P/E of 7.75, highlighting the relative overvaluation of Cass Information Systems.<BR><BR>Moreover, the company's recent stock performance has lagged behind the S&P 500, with a year-to-date return of 4.40% compared to the index's 12.22%. This trend continues over longer periods, with a 3-year return of 19.50% versus 70.41% for the S&P 500, reinforcing the notion that Cass Information Systems is currently overvalued.

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Is Cass Information Systems, Inc. technically bullish or bearish?

23-Sep-2025

As of September 19, 2025, Cass Information Systems, Inc. shows a mildly bearish technical trend, with bearish signals from the weekly and monthly MACD and Bollinger Bands, despite a mildly bullish daily moving average.

As of 19 September 2025, the technical trend for Cass Information Systems, Inc. has changed from mildly bullish to mildly bearish. The weekly MACD is bearish, and the monthly MACD is mildly bearish, indicating a weakening momentum. The Bollinger Bands also reflect a bearish stance on both weekly and monthly time frames. Moving averages show a mildly bullish signal on the daily chart, but this is overshadowed by the overall bearish indicators from the weekly and monthly perspectives. The Dow Theory confirms a mildly bearish trend for both weekly and monthly periods. Currently, there is no return data available to compare the company's performance against the S&P 500. Overall, the technical stance is mildly bearish, with key indicators such as MACD and Bollinger Bands driving this assessment.

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iScoreScore
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Strong Sell
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Strong Buy

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Dashboard
1

Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.22%

 
2

Poor long term growth as Net Sales has grown by an annual rate of 6.15% and Operating profit at -1.63%

 
3

The company has declared positive results in Mar'2025 after 2 consecutive negative quarters

4

With ROE of 8.78%, it has a expensive valuation with a 2.69 Price to Book Value

5

High Institutional Holdings at 69.61%

6

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Miscellaneous

stock-summary
Market cap

USD 633 Million (Micro Cap)

stock-summary
P/E

31.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

2.02%

stock-summary
Debt Equity

-0.91

stock-summary
Return on Equity

8.82%

stock-summary
Price to Book

2.63

Revenue and Profits:
Net Sales:
49 Million
(Quarterly Results - Jun 2025)
Net Profit:
5 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0.54%
0%
0.54%
6 Months
2.19%
0%
2.19%
1 Year
-3.12%
0%
-3.12%
2 Years
1.86%
0%
1.86%
3 Years
-0.53%
0%
-0.53%
4 Years
4.17%
0%
4.17%
5 Years
1.65%
0%
1.65%

Cass Information Systems, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
6.15%
EBIT Growth (5y)
-1.63%
EBIT to Interest (avg)
35.34
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0.94
Tax Ratio
20.05%
Dividend Payout Ratio
86.97%
Pledged Shares
0
Institutional Holding
69.61%
ROCE (avg)
350.51%
ROE (avg)
12.22%
Valuation key factors
Factor
Value
P/E Ratio
31
Industry P/E
Price to Book Value
2.69
EV to EBIT
12.88
EV to EBITDA
10.74
EV to Capital Employed
30.19
EV to Sales
1.89
PEG Ratio
NA
Dividend Yield
2.01%
ROCE (Latest)
234.40%
ROE (Latest)
8.78%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Sideways
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 50 Schemes (32.5%)

Foreign Institutions

Held by 49 Foreign Institutions (3.07%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
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        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is -10.50% vs 4.83% in Jun 2024",
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is 15.56% vs -36.62% in Jun 2024",
        "dir": 1
      }
    ],
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      "header": [
        "Jun'25",
        "Jun'24",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "48.60",
          "val2": "54.30",
          "chgp": "-10.50%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "8.20",
          "val2": "7.60",
          "chgp": "7.89%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Exceptional Items",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "5.20",
          "val2": "4.50",
          "chgp": "15.56%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
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          "val2": "106.80%",
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        "dir": -1
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        "Dec'24",
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          "field": "Interest",
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          "chgp": "-100.00%",
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
48.60
54.30
-10.50%
Operating Profit (PBDIT) excl Other Income
8.20
7.60
7.89%
Interest
0.00
0.00
Exceptional Items
0.00
0.00
Consolidate Net Profit
5.20
4.50
15.56%
Operating Profit Margin (Excl OI)
129.20%
106.80%
2.24%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is -10.50% vs 4.83% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is 15.56% vs -36.62% in Jun 2024

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
219.90
213.20
3.14%
Operating Profit (PBDIT) excl Other Income
30.70
41.90
-26.73%
Interest
0.00
0.10
-100.00%
Exceptional Items
0.00
0.00
Consolidate Net Profit
19.20
30.10
-36.21%
Operating Profit Margin (Excl OI)
110.10%
175.70%
-6.56%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 3.14% vs 13.83% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is -36.21% vs -13.75% in Dec 2023

stock-summaryCompany CV
About Cass Information Systems, Inc. stock-summary
stock-summary
Cass Information Systems, Inc.
Miscellaneous
Cass Information Systems, Inc. (Cass) is a provider of payment and information processing services to manufacturing, distribution and retail enterprises across the United States with operating locations in Missouri, Ohio, Massachusetts, South Carolina and Florida. The Company provides transportation invoice rating, payment processing, auditing, accounting and transportation information. It is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility related expenses. The Company operates in two segments: Information Services and Banking Services. The Information Services segment provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. The Banking Services segment provides banking services primarily to privately held businesses and churches. The Company, through its bank subsidiary, Cass Commercial Bank (the Bank), provides commercial banking services.
Company Coordinates stock-summary
Company Details
12444 Powerscourt Dr , ST. LOUIS MO : 63131-3660
stock-summary
Tel: 1 314 5065500
stock-summary
Registrar Details