Cass Information Systems Stock Analysis

CASS Stock  USD 43.01  1.78  3.97%   
Cass Information Systems is undervalued with Real Value of 46.07 and Target Price of 49.0. The main objective of Cass Information stock analysis is to determine its intrinsic value, which is an estimate of what Cass Information Systems is worth, separate from its market price. There are two main types of Cass Information's stock analysis: fundamental analysis and technical analysis.
The Cass Information stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Cass Information is usually not traded on Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day, Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day. Cass Stock trading window is adjusted to America/New York timezone.
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 closely tied with the direction of predictive economic indicators such as signals in state.

Cass Stock Analysis Notes

About 68.0% of the company shares are held by institutions such as insurance companies. The book value of Cass Information was currently reported as 18.15. The company last dividend was issued on the 3rd of June 2025. Cass Information Systems had 6:5 split on the 3rd of December 2018. 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. For more info on Cass Information Systems please contact Martin Resch at 314 506 5500 or go to https://www.cassinfo.com.

Cass Information Quarterly Total Revenue

44.4 Million

Cass Information Systems Investment Alerts

Cass Information Systems currently holds 2.17 B 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. Note, when we think about Cass Information's use of debt, we should always consider it together with its cash and equity.
About 68.0% of Cass Information shares are held by institutions such as insurance companies
On 13th of June 2025 Cass Information paid $ 0.31 per share dividend to its current shareholders
Latest headline from gurufocus.com: Cass Information Systems Inc Q2 2025 Earnings EPS of 0. ...

Cass Information Systems Upcoming and Recent Events

15th of April 2024
Upcoming Quarterly Report
View
18th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

Cass Largest EPS Surprises

Earnings surprises can significantly impact Cass Information's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2003-04-21
2003-03-310.090.10.0111 
2002-04-12
2002-03-310.10.09-0.0110 
1999-07-19
1999-06-300.10.09-0.0110 
View All Earnings Estimates

Cass Information Environmental, Social, and Governance (ESG) Scores

Cass Information's ESG score is a quantitative measure that evaluates Cass Information's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Cass Information's operations that may have significant financial implications and affect Cass Information's stock price as well as guide investors towards more socially responsible investments.

Cass Stock Institutional Investors

Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Shares
Ameriprise Financial Inc2025-03-31
172.7 K
Proshare Advisors Llc2025-03-31
170 K
Hotchkis & Wiley Capital Management Llc2025-03-31
141.8 K
Northern Trust Corp2025-03-31
130 K
Foundry Partners, Llc2025-03-31
121.5 K
Charles Schwab Investment Management Inc2025-03-31
101.8 K
Ballast Asset Management, Lp2025-03-31
101 K
Uniplan Investment Counsel, Inc.2025-03-31
90.9 K
Arrowstreet Capital Limited Partnership2025-03-31
89.7 K
Blackrock Inc2025-03-31
1.1 M
Vanguard Group Inc2025-03-31
801.5 K
Note, although Cass Information's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Cass Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 574.61 M.

Cass Profitablity

The company has Profit Margin (PM) of 0.1 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.25 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.25.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.01  0.01 
Return On Capital Employed 0.01  0.01 
Return On Assets 0.01  0.01 
Return On Equity 0.08  0.14 

Management Efficiency

Cass Information Systems has return on total asset (ROA) of 0.0118 % which means that it generated a profit of $0.0118 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.0891 %, meaning that it created $0.0891 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. At this time, Cass Information's Return On Capital Employed is comparatively stable compared to the past year. Return On Equity is likely to gain to 0.14 in 2025, whereas Return On Tangible Assets are likely to drop 0.01 in 2025. At this time, Cass Information's Non Current Assets Total are comparatively stable compared to the past year. Other Assets is likely to gain to about 2.5 B in 2025, despite the fact that Non Currrent Assets Other are likely to grow to (689.4 M).
Last ReportedProjected for Next Year
Book Value Per Share 16.96  9.14 
Tangible Book Value Per Share 15.01  8.60 
Enterprise Value Over EBITDA 17.65  18.53 
Price Book Value Ratio 2.41  1.97 
Enterprise Value Multiple 17.65  18.53 
Price Fair Value 2.41  1.97 
Enterprise Value533 M320.9 M
Leadership at Cass Information emphasizes sustainable growth and financial prudence. Our analysis evaluates how these priorities impact the stock's performance in the market.
Dividend Yield
0.0285
Operating Margin
0.2526
Profit Margin
0.095
Forward Dividend Yield
0.0285
Beta
0.458

Technical Drivers

As of the 20th of July, Cass Information shows the Mean Deviation of 1.02, risk adjusted performance of 0.104, and Downside Deviation of 1.29. Cass Information Systems technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Cass Information Systems variance, value at risk, as well as the relationship between the Value At Risk and skewness to decide if Cass Information Systems is priced correctly, providing market reflects its regular price of 43.01 per share. Given that Cass Information has jensen alpha of 0.0342, we suggest you to validate Cass Information Systems's prevailing market performance to make sure the company can sustain itself at a future point.

Cass Information Systems Price Movement Analysis

The output start index for this execution was eleven with a total number of output elements of fifty. The Simple Moving Average indicator is calculated by adding the closing price of Cass Information for a given number of time periods and then dividing this total by the number of time periods. It is used to smooth out Cass Information Systems short-term fluctuations and highlight longer-term trends or cycles.

Cass Information Systems Insider Trading Activities

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Cass Information insiders, such as employees or executives, is commonly permitted as long as it does not rely on Cass Information's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Cass Information insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Lindemann James J over a month ago
Acquisition by Lindemann James J of 311 shares of Cass Information at 41.68 subject to Rule 16b-3
 
Ebel Robert A over a month ago
Acquisition by Ebel Robert A of 1602 shares of Cass Information at 43.68 subject to Rule 16b-3
 
Martin Resch over two months ago
Acquisition by Martin Resch of 7211 shares of Cass Information subject to Rule 16b-3
 
Michael Normile over two months ago
Acquisition by Michael Normile of 250 shares of Cass Information at .25 subject to Rule 16b-3
 
Lindemann James J over three months ago
Acquisition by Lindemann James J of 286 shares of Cass Information at 45.33 subject to Rule 16b-3
 
Martin Resch over three months ago
Disposition of 2231 shares by Martin Resch of Cass Information at 41.1 subject to Rule 16b-3
 
Martin Resch over three months ago
Acquisition by Martin Resch of 8303 shares of Cass Information subject to Rule 16b-3
 
Wicks Frank over six months ago
Acquisition by Wicks Frank of 307 shares of Cass Information at 42.26 subject to Rule 16b-3
 
Lindemann James J over six months ago
Acquisition by Lindemann James J of 307 shares of Cass Information at 42.26 subject to Rule 16b-3
 
Martin Resch over six months ago
Acquisition by Martin Resch of 1000 shares of Cass Information at 36.5 subject to Rule 16b-3
 
Michael Normile over six months ago
Acquisition by Michael Normile of 200 shares of Cass Information at 40.3 subject to Rule 16b-3
 
Clermont Ralph W over a year ago
Acquisition by Clermont Ralph W of 318 shares of Cass Information at 40.76 subject to Rule 16b-3

Cass Information Outstanding Bonds

Cass Information issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Cass Information Systems uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Cass bonds can be classified according to their maturity, which is the date when Cass Information Systems has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.

Cass Information Predictive Daily Indicators

Cass Information intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Cass Information stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Cass Information Corporate Filings

8K
17th of July 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
30th of June 2025
Other Reports
ViewVerify
F4
20th of June 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
10Q
7th of May 2025
Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations
ViewVerify
8K
5th of May 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
22nd of April 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
F4
18th of April 2025
The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities
ViewVerify
8K
17th of April 2025
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify

Cass Information Forecast Models

Cass Information's time-series forecasting models are one of many Cass Information's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Cass Information's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Cass Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Cass Information prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Cass shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Cass Information. By using and applying Cass Stock analysis, traders can create a robust methodology for identifying Cass entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.11  0.18 
Operating Profit Margin 0.06  0.06 
Net Profit Margin 0.09  0.13 
Gross Profit Margin 0.87  0.50 

Current Cass Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Cass analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Cass analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
49.0Buy1Odds
Cass Information Systems current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Cass analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Cass stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Cass Information Systems, talking to its executives and customers, or listening to Cass conference calls.
Cass Analyst Advice Details

Cass Stock Analysis Indicators

Cass Information Systems stock analysis indicators help investors evaluate how Cass Information stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Cass Information shares will generate the highest return on investment. By understating and applying Cass Information stock analysis, traders can identify Cass Information position entry and exit signals to maximize returns.
Begin Period Cash Flow372.5 M
Common Stock Shares Outstanding13.8 M
Total Stockholder Equity229 M
Total Cashflows From Investing ActivitiesM
Tax Provision5.1 M
Quarterly Earnings Growth Y O Y0.279
Property Plant And Equipment Net41.2 M
Cash And Short Term Investments349.7 M
Cash19.3 M
Accounts Payable1.1 B
Net Debt-19.3 M
50 Day M A43.1214
Total Current Liabilities1.1 B
Other Operating Expenses195.7 M
Non Current Assets Total712.3 M
Non Currrent Assets Other-725.6 M
Stock Based Compensation3.2 M

Additional Tools for Cass Stock Analysis

When running Cass Information's price analysis, check to measure Cass Information's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Cass Information is operating at the current time. Most of Cass Information's value examination focuses on studying past and present price action to predict the probability of Cass Information's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Cass Information's price. Additionally, you may evaluate how the addition of Cass Information to your portfolios can decrease your overall portfolio volatility.