Dwight Erdbruegger - Cass Information President – Cass Commercial Bank

CASS Stock  USD 43.19  0.31  0.71%   

President

Mr. Dwight D. Erdbruegger President Cass Commercial Bank of the Company since 2018.
Age 65
Tenure 6 years
Phone314 506 5500
Webhttps://www.cassinfo.com
Erdbruegger succeeded Mr. Mathias as President of the Bank effective July 2, 2018, joining the Company after a 31year career in commercial banking, the last 15 years spent with Commerce Bank. Most recently he was chairman of CBIEF, the equipment finance subsidiary of Commerce Bank. He was also chief administrative officer for Commerce Bank East Group, with offices in Missouri, Indiana, Michigan, Ohio and Tennessee.

Cass Information Management Efficiency

The company has return on total asset (ROA) of 0.0147 % which means that it generated a profit of $0.0147 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1347 %, meaning that it created $0.1347 on every $100 dollars invested by stockholders. Cass Information's management efficiency ratios could be used to measure how well Cass Information manages its routine affairs as well as how well it operates its assets and liabilities.
The company currently holds 8.48 M in liabilities with Debt to Equity (D/E) ratio of 0.05, which may suggest the company is not taking enough advantage from borrowing. Cass Information Systems has a current ratio of 0.93, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist Cass Information until it has trouble settling it off, either with new capital or with free cash flow. So, Cass Information's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Cass Information Systems sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Cass to invest in growth at high rates of return. When we think about Cass Information's use of debt, we should always consider it together with cash and equity.

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Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Cass Information operates under Specialty Business Services classification in the United States and is traded on NASDAQ Exchange. It employs 884 people. Cass Information Systems (CASS) is traded on NASDAQ Exchange in USA. It is located in 12444 Powerscourt Drive, Saint Louis, MO, United States, 63131 and employs 1,061 people. Cass Information is listed under Data Processing & Outsourced Services category by Fama And French industry classification.

Management Performance

Cass Information Systems Leadership Team

Elected by the shareholders, the Cass Information's board of directors comprises two types of representatives: Cass Information inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Cass. The board's role is to monitor Cass Information's management team and ensure that shareholders' interests are well served. Cass Information's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Cass Information's outside directors are responsible for providing unbiased perspectives on the board's policies.
Martin Resch, CEO President
Sally Roth, Independent Director
Wayne Grace, Independent Director
James Lindemann, Independent Director
Joseph Rupp, Director
Carl Friedholm, President Management
Michael Normile, Executive CFO
Dwight Erdbruegger, President – Cass Commercial Bank
Jeanne Scannell, Chief Bank
James Cavellier, Executive Vice President CIO
Franklin Wicks, Independent Director
Randall Schilling, Independent Director
Stephen Appelbaum, CFO, Executive Vice President Secretary
Robert Ebel, Independent Director
Ralph Clermont, Director
Christi Reiter, Senior Resources
Mark Campbell, President of Transportation Information Systems Division
Anthony Urban, President Services
Benjamin Edwards, Independent Director
Lawrence Collett, Chairman of the Board
Eric Brunngraber, Chairman, CEO and Pres
Matthew Schuckman, General VP
Gary Langfitt, President of Expense Management Services
Teresa Meares, President Solutions
Todd Wills, President Management
Robert Mathias, President of Cass Commercial Bank and COO of Cass Commercial Bank

Cass Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Cass Information a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Pair Trading with Cass Information

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Cass Information position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Cass Information will appreciate offsetting losses from the drop in the long position's value.

Moving together with Cass Stock

  0.68MMS Maximus Fiscal Year End 20th of November 2024 PairCorr
The ability to find closely correlated positions to Cass Information could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Cass Information when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Cass Information - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Cass Information Systems to buy it.
The correlation of Cass Information is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Cass Information moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Cass Information Systems moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Cass Information can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Cass Information Systems is a strong investment it is important to analyze Cass Information's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Cass Information's future performance. For an informed investment choice regarding Cass Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Cass Information Systems. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.
You can also try the ETFs module to find actively traded Exchange Traded Funds (ETF) from around the world.

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Is Cass Information's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Cass Information. If investors know Cass will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Cass Information listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Cass Information Systems is measured differently than its book value, which is the value of Cass that is recorded on the company's balance sheet. Investors also form their own opinion of Cass Information's value that differs from its market value or its book value, called intrinsic value, which is Cass Information's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Cass Information's market value can be influenced by many factors that don't directly affect Cass Information's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Cass Information's value and its price as these two are different measures arrived at by different means. Investors typically determine if Cass Information is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Cass Information's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.