Symbols / CASS Stock $47.50 +0.27% Cass Information Systems, Inc.

Industrials • Specialty Business Services • United States • NMS
CASS (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Industrials
Industry Specialty Business Services
CEO Mr. Martin H. Resch
Exch · Country NMS · United States
Market Cap 610.04M
Enterprise Value 510.70M
Income 31.30M
Sales 209.05M
FCF (ttm) —
Book/sh 18.83
Cash/sh 19.02
Employees 923
Insider 10d —
IPO Jul 02, 1996
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 53.85%
P/E 20.30
Forward P/E 13.38
PEG —
P/S 2.92
P/B 2.52
P/C —
EV/EBITDA 8.21
EV/Sales 2.44
Quick Ratio 0.85
Current Ratio 1.02
Debt/Eq 59.97
LT Debt/Eq —
EPS (ttm) 2.34
EPS next Y 3.55
EPS Growth 1.00%
Revenue Growth 3.20%
EPS Gr Q/Q -1.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-16
Earnings (prior) 2026-04-23
ROA 1.41%
ROE 13.15%
ROIC —
Gross Margin 47.59%
Oper. Margin 27.84%
Profit Margin 16.73%
Shs Outstand 12.84M
Shs Float 11.29M
Insider Own 11.70%
Instit Own 60.86%
Short Float 2.25%
Short Ratio 3.39
Short Interest 278.99K
52W High 52.45
vs 52W High -9.44%
52W Low 36.07
vs 52W Low 31.69%
Beta 0.43
Impl. Vol. 6.25%
Rel Volume 1.10
Avg Volume 77.95K
Volume 86.09K
Target (mean) $52.00
Tgt Median $52.00
Tgt Low $52.00
Tgt High $52.00
# Analysts 1
Recom Buy
Prev Close $47.37
Price $47.50
Change 0.27%
About

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-based ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$52.00
Mean price target
2. Current target
$47.50
Latest analyst target
3. DCF / Fair value
$35.10
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$47.50
Low
$52.00
High
$52.00
Mean
$52.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-10-24 reit Raymond James Outperform → Outperform $45
2025-07-15 init Raymond James — → Outperform $50
2025-04-23 main Piper Sandler Overweight → Overweight $46
2024-10-18 main Piper Sandler Overweight → Overweight $45
2024-07-22 reit Piper Sandler Overweight → Overweight $44
2024-02-12 up Piper Sandler Neutral → Overweight $51
2022-12-06 init Piper Sandler — → Neutral $45
News
RSS: Latest CASS news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-23 HENRY WENDY J. Director — 1,704 $46.94 $79,986
2026-04-23 MARR ANN WALTER Director — 1,704 $46.94 $79,986
2026-04-23 EBEL ROBERT A Director — 1,704 $46.94 $79,986
2026-04-23 DRABIK JOHN J Director — 1,704 $46.94 $79,986
2026-04-23 RUPP JOSEPH D Director — 1,704 $46.94 $79,986
2026-04-23 SCHILLING RANDALL L Director — 1,704 $46.94 $79,986
2026-04-23 WICKS FRANKLIN D JR Director — 1,704 $46.94 $79,986
2026-04-23 EDWARDS BENJAMIN F IV Director — 1,704 $46.94 $79,986
2026-04-23 BRUNNGRABER ERIC H Officer and Director — 1,704 $46.94 $79,986
2026-04-20 RESCH MARTIN H Chief Executive Officer — 1,975 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
181.57
+5.03%
172.87
+2.93%
167.95
-4.55%
175.95
Operating Revenue
—
172.87
+2.93%
167.95
—
Selling General And Administration
113.14
+0.92%
112.11
+4.78%
107.00
-2.16%
109.36
Selling And Marketing Expense
3.07
+10.74%
2.77
+6.37%
2.61
-9.73%
2.89
General And Administrative Expense
110.07
+0.67%
109.34
+4.74%
104.39
-1.96%
106.47
Salaries And Wages
110.07
+0.67%
109.34
+4.74%
104.39
-1.96%
106.47
Other Gand A
—
—
—
—
Reconciled Depreciation
7.20
+25.78%
5.72
+23.22%
4.65
-1.17%
4.70
Net Income
35.12
+83.20%
19.17
-36.23%
30.06
-13.88%
34.90
Pretax Income
38.76
+65.32%
23.45
-31.97%
34.46
-19.66%
42.90
Net Interest Income
81.24
+19.85%
67.79
+1.94%
66.49
+13.00%
58.84
Interest Expense
16.33
-19.41%
20.26
+24.54%
16.27
+367.15%
3.48
Interest Income
97.57
+10.81%
88.05
+6.39%
82.76
+32.79%
62.33
Gain On Sale Of Security
-3.53
-7753.33%
-0.04
+73.99%
-0.17
—
Tax Provision
7.65
+56.48%
4.89
-25.66%
6.57
-17.78%
8.00
Tax Rate For Calcs
0.00
-5.29%
0.00
+9.04%
0.00
+2.55%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
35.12
+83.20%
19.17
-36.23%
30.06
-13.88%
34.90
Net Income From Continuing Operation Net Minority Interest
31.11
+67.65%
18.56
-33.46%
27.89
-20.10%
34.90
Net Income From Continuing And Discontinued Operation
35.12
+83.20%
19.17
-36.23%
30.06
-13.88%
34.90
Net Income Continuous Operations
31.11
+67.65%
18.56
-33.46%
27.89
-20.10%
34.90
Net Income Discontinuous Operations
4.00
+556.39%
0.61
-71.88%
2.17
—
Normalized Income
31.11
+67.65%
18.56
-33.46%
27.89
-20.10%
34.90
Net Income Common Stockholders
35.12
+83.20%
19.17
-36.23%
30.06
-13.88%
34.90
Diluted EPS
2.61
+87.77%
1.39
-36.24%
2.18
-13.83%
2.53
Basic EPS
2.66
+87.32%
1.42
-36.04%
2.22
-13.95%
2.58
Basic Average Shares
13.18
-2.37%
13.50
-0.21%
13.53
-0.17%
13.55
Diluted Average Shares
13.46
-2.28%
13.78
-0.28%
13.82
+0.06%
13.81
Diluted NI Availto Com Stockholders
35.12
+83.20%
19.17
-36.23%
30.06
-13.88%
34.90
Amortization
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Amortization Of Intangibles Income Statement
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Depreciation Amortization Depletion Income Statement
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Depreciation And Amortization In Income Statement
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Occupancy And Equipment
12.68
+17.49%
10.80
+11.37%
9.69
-6.28%
10.34
Other Non Interest Expense
17.47
-0.39%
17.54
+5.30%
16.65
+47.17%
11.31
Professional Expense And Contract Services Expense
—
—
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
2,606.02
+8.81%
2,395.08
-3.37%
2,478.62
-3.67%
2,573.02
Cash And Cash Equivalents
392.27
+12.16%
349.73
-6.11%
372.47
+85.36%
200.94
Cash Equivalents
366.14
+10.82%
330.40
-6.02%
351.56
+95.37%
179.95
Cash Financial
26.13
+35.19%
19.33
-7.56%
20.91
-0.41%
21.00
Other Short Term Investments
6.75
-98.72%
528.02
-15.80%
627.12
-16.88%
754.47
Receivables
69.42
+24.18%
55.91
-49.48%
110.65
+15.53%
95.78
Accounts Receivable
69.42
+24.18%
55.91
-49.48%
110.65
+15.53%
95.78
Prepaid Assets
164.51
-21.11%
208.53
+4.86%
198.86
-32.31%
293.77
Net PPE
29.45
-3.69%
30.58
+1.61%
30.09
+50.78%
19.96
Gross PPE
84.34
+1.75%
82.89
+5.22%
78.78
+22.24%
64.44
Accumulated Depreciation
-54.89
-4.93%
-52.31
-7.45%
-48.69
-9.44%
-44.49
Land And Improvements
0.87
+0.00%
0.87
+0.00%
0.87
+0.00%
0.87
Buildings And Improvements
15.31
+0.92%
15.18
+0.00%
15.18
+1.83%
14.90
Machinery Furniture Equipment
66.59
+1.82%
65.40
+7.78%
60.68
+30.14%
46.62
Leases
1.57
+8.45%
1.44
-29.63%
2.05
+0.39%
2.04
Goodwill And Other Intangible Assets
19.89
-6.38%
21.25
+2.87%
20.65
-3.64%
21.43
Goodwill
16.16
-1.03%
16.33
-5.64%
17.31
+0.00%
17.31
Other Intangible Assets
3.73
-24.14%
4.91
+46.91%
3.35
-18.93%
4.13
Investments And Advances
770.77
+45.97%
528.02
-15.80%
627.12
-16.88%
754.47
Total Liabilities Net Minority Interest
2,363.03
+9.09%
2,166.05
-3.68%
2,248.81
-4.98%
2,366.70
Payables And Accrued Expenses
1,124.86
-0.42%
1,129.61
+5.44%
1,071.37
+0.35%
1,067.60
Payables
1,124.86
-0.42%
1,129.61
+5.44%
1,071.37
+0.35%
1,067.60
Accounts Payable
1,124.86
-0.42%
1,129.61
+5.44%
1,071.37
+0.35%
1,067.60
Stockholders Equity
243.00
+6.10%
229.03
-0.34%
229.81
+11.38%
206.32
Common Stock Equity
243.00
+6.10%
229.03
-0.34%
229.81
+11.38%
206.32
Capital Stock
7.75
+0.00%
7.75
+0.00%
7.75
+0.00%
7.75
Common Stock
7.75
+0.00%
7.75
+0.00%
7.75
+0.00%
7.75
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
15.51
+0.00%
15.51
+0.00%
15.51
+0.00%
15.51
Ordinary Shares Number
12.92
-4.34%
13.50
-0.58%
13.58
-0.64%
13.67
Treasury Shares Number
2.59
+29.30%
2.00
+4.07%
1.92
+4.75%
1.84
Additional Paid In Capital
207.05
+0.71%
205.59
-1.16%
208.01
+0.28%
207.42
Retained Earnings
167.09
+12.53%
148.49
+1.86%
145.78
+10.71%
131.68
Gains Losses Not Affecting Retained Earnings
-26.75
+40.80%
-45.19
+4.81%
-47.47
+19.98%
-59.32
Treasury Stock
112.15
+28.00%
87.61
+3.98%
84.26
+3.76%
81.21
Other Equity Adjustments
-26.75
+40.80%
-45.19
+4.81%
-47.47
+19.98%
-59.32
Total Equity Gross Minority Interest
243.00
+6.10%
229.03
-0.34%
229.81
+11.38%
206.32
Net Tangible Assets
223.11
+7.37%
207.78
-0.66%
209.16
+13.12%
184.89
Tangible Book Value
223.11
+7.37%
207.78
-0.66%
209.16
+13.12%
184.89
Available For Sale Securities
764.02
—
—
—
Cash Cash Equivalents And Federal Funds Sold
392.27
+12.16%
349.73
-6.11%
372.47
+85.36%
200.94
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
37.44
-3.88%
38.95
+5.45%
36.94
-28.43%
51.61
Cash Flow From Continuing Operating Activities
38.81
+5.62%
36.74
+3.84%
35.39
-31.43%
51.61
Cash From Discontinued Operating Activities
-1.37
-162.18%
2.21
+42.17%
1.55
—
Net Income From Continuing Operations
31.11
+67.65%
18.56
-33.46%
27.89
-20.10%
34.90
Depreciation Amortization Depletion
7.20
+25.78%
5.72
+23.22%
4.65
-1.17%
4.70
Depreciation
6.03
+19.79%
5.03
+27.29%
3.95
-1.67%
4.02
Amortization Cash Flow
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Depreciation And Amortization
7.20
+25.78%
5.72
+23.22%
4.65
-1.17%
4.70
Amortization Of Intangibles
1.17
+69.36%
0.69
+0.00%
0.69
+1.76%
0.68
Other Non Cash Items
-12.48
-400.24%
4.16
+443.55%
-1.21
-36.88%
-0.88
Pension And Employee Benefit Expense
0.00
-100.00%
5.19
+544.04%
0.81
—
Stock Based Compensation
4.19
+37.16%
3.05
-23.83%
4.01
-40.48%
6.73
Deferred Tax
—
-1.05
-268.31%
-0.28
+75.58%
-1.16
Deferred Income Tax
—
-1.05
-268.31%
-0.28
+75.58%
-1.16
Operating Gains Losses
3.53
-32.51%
5.24
+434.83%
0.98
+6626.67%
-0.01
Gain Loss On Investment Securities
3.53
+7753.33%
0.04
-73.99%
0.17
+1253.33%
-0.01
Change In Working Capital
3.93
+197.81%
-4.02
+17.04%
-4.85
-1560.27%
-0.29
Change In Receivables
-0.32
+91.59%
-3.83
-24.27%
-3.08
-22.30%
-2.52
Changes In Account Receivables
-0.32
+91.59%
-3.83
-24.27%
-3.08
-22.30%
-2.52
Change In Payables And Accrued Expense
4.26
+2316.67%
-0.19
+89.13%
-1.77
-343.92%
0.72
Change In Payable
4.26
+2316.67%
-0.19
+89.13%
-1.77
-343.92%
0.72
Change In Other Working Capital
—
5.19
+544.04%
0.81
-46.41%
1.50
Investing Cash Flow
-145.28
-3777.02%
3.95
-98.61%
284.66
+192.91%
-306.39
Cash Flow From Continuing Investing Activities
-145.18
-3144.88%
4.77
-98.34%
287.05
+193.69%
-306.39
Cash From Discontinued Investing Activities
-0.10
+87.88%
-0.82
+65.76%
-2.39
—
Net PPE Purchase And Sale
-5.66
+33.47%
-8.51
+28.70%
-11.94
-103.51%
-5.87
Purchase Of PPE
-5.66
+33.47%
-8.51
+28.70%
-11.94
-103.51%
-5.87
Capital Expenditure
-5.66
+33.47%
-8.51
+28.70%
-11.94
-103.51%
-5.87
Net Investment Purchase And Sale
-222.31
-337.57%
93.57
-30.93%
135.48
+181.11%
-167.04
Purchase Of Investment
-435.24
-263.47%
-119.74
-681.01%
-15.33
+93.39%
-232.08
Sale Of Investment
212.93
-0.18%
213.32
+41.44%
150.82
+131.86%
65.05
Net Business Purchase And Sale
18.00
0.00
0.00
—
Net Other Investing Changes
44.02
+448.70%
-12.62
-113.30%
94.91
+950.33%
-11.16
Financing Cash Flow
150.38
+329.10%
-65.64
+56.26%
-150.07
-153.48%
-59.20
Cash Flow From Continuing Financing Activities
170.05
+353.02%
-67.21
+54.72%
-148.43
-150.72%
-59.20
Net Issuance Payments Of Debt
—
—
—
0.00
Net Short Term Debt Issuance
—
—
—
0.00
Net Common Stock Issuance
-25.99
-258.55%
-7.25
-25.55%
-5.77
-8.95%
-5.30
Common Stock Payments
-25.99
-258.55%
-7.25
-25.55%
-5.77
-8.95%
-5.30
Common Stock Dividend Paid
-16.51
-0.29%
-16.46
-3.16%
-15.96
-3.35%
-15.44
Cash Dividends Paid
-16.51
-0.29%
-16.46
-3.16%
-15.96
-3.35%
-15.44
Repurchase Of Capital Stock
-25.99
-258.55%
-7.25
-25.55%
-5.77
-8.95%
-5.30
Net Other Financing Charges
-19.57
-115.12%
129.40
+1356.46%
-10.30
+86.12%
-74.18
Changes In Cash
42.54
+287.07%
-22.74
-113.26%
171.53
+154.63%
-313.99
Beginning Cash Position
349.73
-6.11%
372.47
+85.36%
200.94
-60.98%
514.93
End Cash Position
392.27
+12.16%
349.73
-6.11%
372.47
+85.36%
200.94
Free Cash Flow
31.77
+4.39%
30.44
+21.75%
25.00
-45.35%
45.74
Interest Paid Supplemental Data
16.39
-18.99%
20.23
+28.86%
15.70
+357.51%
3.43
Income Tax Paid Supplemental Data
5.14
-6.77%
5.51
-40.76%
9.30
+10.77%
8.40
Change In Income Tax Payable
4.26
+2316.67%
-0.19
+89.13%
-1.77
-343.92%
0.72
Change In Tax Payable
4.26
+2316.67%
-0.19
+89.13%
-1.77
-343.92%
0.72
Sale Of Business
18.00
0.00
0.00
—
Cash From Discontinued Financing Activities
-19.66
-1355.75%
1.57
+195.55%
-1.64
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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