Cass Information Systems, Inc. (CASS)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 148 | 155 | 187 | 213 | 220 | 191 | 203 | 205 |
| Operating profit | $m | 39 | 46 | ||||||
| Net profit | $m | 25 | 29 | 35 | 30 | 19 | 35 | 37 | 40 |
| EPS reported | $ | 2.61 | 2.78 | ||||||
| Operating cashflow per share | $ | 2.84 | 3.80 | ||||||
| Capex per share | $ | 0.43 | 0.53 | ||||||
| FCF per share | $ | 2.41 | 3.27 | ||||||
| Free cash flow | $m | 32 | 42 | ||||||
| Net debt | $m | -391 | -158 | ||||||
| Book value equity | $m | 243 | 245 | ||||||
| Book value per share | $ | 18.05 | 18.72 | ||||||
| Number of shares | m | 13.46 | 13.07 | ||||||
| DPS (TTM paid) | $ | 1.25 | 1.28 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 15.91 | 19.51 | ||||||
| P/B LTM | x | 2.25 | 2.24 | ||||||
| P/S LTM | x | 2.86 | 2.69 | ||||||
| P/FCF LTM | x | 17.23 | 13.06 | ||||||
| EV/EBITDA LTM | x | 3.47 | 2.99 | ||||||
| EV/Sales LTM | x | 0.83 | 2.81 | ||||||
| Earnings Yield LTM | % | +6.29% | +5.13% | ||||||
| FCF Yield | % | +5.81% | +7.66% | ||||||
| Quality | |||||||||
| ROE | % | +14.45% | +15.09% | ||||||
| ROIC | % | +19.72% | +45.89% | ||||||
| Operating margin | % | +20.28% | +22.48% | ||||||
| Gross margin | % | +100.00% | +96.24% | ||||||
| FCF/Sales | % | +16.63% | +20.64% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +87.77% | +100.00% | ||||||
| Sales Growth YoY | % | -13.10% | -7.64% | ||||||
| Net Income Growth YoY | % | +83.20% | +91.54% | ||||||
| FCF Growth | % | +7.27% | +41.49% | ||||||
| Operating Profit Growth | % | +60.03% | +88.52% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.02% | +2.29% | ||||||
| Dividend Growth | % | +3.31% | +5.79% | ||||||
| Payout Ratio | % | +46.99% | +44.72% | ||||||
| FCF/Debt | x | 7.05 | 0.52 | ||||||
| Net Debt/EBITDA | x | -8.44 | -2.78 | ||||||
| EBIT/Net interest | x | 0.00 | 11.74 | ||||||
| Net debt/market cap | % | +0.15% | +11.14% | ||||||
| Net debt/Equity | x | -1.61 | -0.64 | ||||||
| Gross debt/equity | x | 0.02 | 0.33 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cass Information Systems, Inc. (CASS)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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