Cass Information Systems, Inc. CASS R2K
Company Overview
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.
Why Investors Should Care
Trades at a P/E of 22.2, below the sector median of 30.2.
Maintains a net profit margin of 16.7%.
Offers a dividend yield of 2.59%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $108.00M (-1.8% YoY); net profit $35.12M.
- Trailing 12 Months Year-on-year growth — revenue +3.2%, earnings +1.0%.
- 5-Year Trend Long-term compounding — revenue CAGR 1.3%, profit CAGR 5.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 1.29% |
| 1 Year: | 3.20% |
Compounded Profit Growth
| 5 Years: | 4.98% |
| 1 Year: | 1.00% |
Stock Price Performance
| 1 Year: | +21.27% |
| 6 Months: | +27.11% |
| 3 Months: | +12.96% |
| 1 Month: | +5.32% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)62.61 · Neutral
P/E of 22.25 is below the sector median of 30.17 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Attractive dividend yield of 2.59%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Industrials).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CASS Cass Information Systems, Inc. R2K | 52.07 | 22.25 | $670.20M | 2.59% | - | 13.15% | 1.29% | 4.98% |
| 2 | CAT Caterpillar Inc. SPX | 933.34 | 46.39 | $429.89B | 0.72% | 17.98% | 51.33% | 2.29% | 5.24% |
| 3 | GE GE Aerospace SPX | 353.73 | 43.94 | $369.06B | 0.56% | 11.89% | 45.43% | 16.32% | 195.89% |
| 4 | GEV GE Vernova Inc. SPXAI | 1,066.01 | 31.13 | $286.46B | 0.21% | 6.30% | 75.71% | 8.68% | - |
| 5 | RTX RTX Corporation SPX | 193.39 | 36.35 | $260.44B | 1.51% | 8.28% | 11.57% | 2.61% | 2.62% |
| 6 | UNP Union Pacific Corporation SPX | 288.30 | 23.71 | $171.17B | 2.02% | 15.22% | 40.69% | 2.30% | 7.77% |
| 7 | BA The Boeing Company SPX | 217.11 | 86.15 | $171.15B | 0.00% | -9.01% | - | 1.67% | -3.28% |
| 8 | ETN Eaton Corporation plc SPXAI | 415.52 | 40.66 | $161.35B | 1.12% | 11.53% | 20.84% | 4.73% | 10.38% |
| 9 | DE Deere & Company SPX | 584.40 | 33.07 | $157.85B | 1.12% | - | 18.35% | 3.43% | 5.10% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2015 | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.82M | - | 25.71M | 26.88M | 27.41M | 30.00M | 30.23M | 30.50M | 31.04M | 31.30M | 31.78M | 27.74M | 27.60M | 28.06M | 26.77M | 27.59M | 27.44M | 26.53M |
| Net Income | 5.54M | 5.55M | 5.88M | 6.09M | 5.83M | 5.87M | 6.22M | 6.42M | 6.31M | 6.51M | 6.86M | 5.33M | 8.09M | 7.51M | 7.61M | 7.06M | 8.16M | 7.68M | 8.19M | 6.37M | 7.54M | 5.44M | 5.78M | 6.41M | 7.07M | 7.03M | 6.80M | 8.26M | 8.56M | 8.80M | 7.12M | 7.14M | 7.39M | 7.15M | 4.48M | 2.94M | 8.97M | 8.86M | 9.11M | 8.83M |
| Diluted EPS | 0.48 | 0.48 | 0.51 | 0.53 | 0.47 | 0.47 | 0.50 | 0.52 | 0.42 | 0.44 | 0.46 | 0.36 | 0.54 | 0.50 | 0.51 | 0.47 | 0.55 | 0.52 | 0.56 | 0.43 | 0.52 | 0.37 | 0.40 | 0.44 | 0.49 | 0.48 | 0.48 | 0.60 | 0.62 | 0.64 | 0.51 | 0.52 | 0.54 | 0.52 | 0.32 | 0.21 | 0.66 | 0.66 | 0.68 | 0.67 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 87.92M | 96.22M | 106.53M | 111.52M | 114.82M | 117.21M | 120.82M | 125.54M | 135.30M | 148.27M | 109.34M | 98.90M | 108.69M | 121.66M | 106.07M | 109.93M | 108.00M |
| Net Income | 16.13M | 20.31M | 23.01M | 23.30M | 23.50M | 24.03M | 23.06M | 24.35M | 25.01M | 30.27M | 30.40M | 25.18M | 28.60M | 34.90M | 30.06M | 19.17M | 35.12M |
| Diluted EPS | 1.57 | 1.78 | 2.01 | 2.02 | 2.02 | 2.06 | 1.82 | 1.63 | 1.68 | 2.03 | 2.07 | 1.73 | 2.00 | 2.53 | 2.18 | 1.39 | 2.61 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.19B | 1.32B | 1.29B | 1.33B | 1.50B | 1.46B | 1.50B | 1.60B | 1.70B | 1.76B | 2.20B | 2.55B | 2.57B | 2.48B | 2.40B | 2.61B |
| Total Equity | 106.24M | 129.57M | 142.09M | 160.55M | 174.01M | 190.43M | 200.43M | 207.38M | 208.03M | 225.09M | 229.85M | 244.19M | 261.16M | 245.80M | 206.32M | 229.81M | 229.03M | 243.00M |
| Cash & Equivalents | 29.48M | 79.29M | 138.93M | 235.96M | 141.09M | 225.26M | 294.33M | 253.17M | 266.74M | 228.11M | 230.93M | 203.95M | 670.53M | 514.93M | 200.94M | 372.47M | 349.73M | 392.27M |
| Total Liabilities | - | - | 1.05B | 1.16B | 1.11B | 1.14B | 1.30B | 1.25B | 1.30B | 1.43B | 1.47B | 1.52B | 1.94B | 2.31B | 2.37B | 2.25B | 2.17B | 2.36B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 19.08M | 23.78M | 25.64M | 35.33M | - | - | 33.49M | 35.19M | 38.89M | 48.34M | 42.13M | 47.78M | 34.55M | 51.61M | 36.94M | 38.95M | 37.44M |
| Investing Cash Flow | -75.65M | -124.50M | -31.04M | -65.21M | - | - | -3.64M | -41.55M | -139.84M | -46.80M | -75.76M | -43.90M | -528.52M | -306.39M | 284.66M | 3.95M | -145.28M |
| Financing Cash Flow | 106.38M | 160.36M | 102.43M | -65.00M | - | - | -71.02M | 19.93M | 62.32M | 1.28M | 6.65M | 462.69M | 338.37M | -59.20M | -150.07M | -65.64M | 150.38M |
| Capital Expenditure | -1.08M | -1.19M | -1.93M | -3.10M | -4.86M | -6.29M | -5.75M | -4.68M | -4.13M | -4.40M | -2.72M | -2.00M | -4.37M | -5.87M | -11.94M | -8.51M | -5.66M |
| Free Cash Flow | 18.00M | 22.59M | 23.72M | 32.23M | - | - | 27.75M | 30.50M | 34.76M | 43.94M | 39.40M | 45.78M | 30.18M | 45.74M | 25.00M | 30.44M | 31.77M |
| Share Buybacks | 0 | 467.00K | 0 | 0 | 0 | 1.85M | 10.95M | 9.21M | 2.27M | 8.84M | 7.80M | 6.83M | 31.00M | 5.30M | 5.77M | 7.25M | 25.99M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | 18.3% | 21.1% | 21.6% | 20.9% | 20.5% | 20.5% | 19.1% | 19.4% | 18.5% | 20.4% | 27.8% | 25.5% | 26.3% | 28.7% | 28.3% | 17.4% | 32.5% |
| ROE % | 12.4% | 14.3% | 14.3% | 13.4% | 12.3% | 12.0% | 11.1% | 11.7% | 11.1% | 13.2% | 12.5% | 9.6% | 11.6% | 16.9% | 13.1% | 8.4% | 14.5% |
| ROCE % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 7.02% | 903.28K | $46.84M |
| 2 | Focus Partners Wealth | 5.33% | 686.01K | $35.58M |
| 3 | Vanguard Capital Management LLC | 4.28% | 550.46K | $28.55M |
| 4 | Brown Advisory Inc. | 4.05% | 521.64K | $27.05M |
| 5 | Heartland Advisors Inc. | 3.66% | 470.52K | $24.40M |
| 6 | Speece Thorson Capital Group, Inc. | 2.75% | 354.24K | $18.37M |
| 7 | Dimensional Fund Advisors LP | 2.69% | 346.68K | $17.98M |
| 8 | ProShare Advisors, LLC | 2.25% | 289.85K | $15.03M |
| 9 | Geode Capital Management, LLC | 2.24% | 288.92K | $14.98M |
| 10 | State Street Corporation | 2.23% | 287.57K | $14.91M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for CASS
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CASS — Frequently Asked Questions
What is the current share price of Cass Information Systems, Inc. (CASS)?
As of 2026-07-14 21:23 PDT, Cass Information Systems, Inc. (CASS) trades at $52.07 on NasdaqGS. Its 52-week range is $36.00 to $52.60.
What is the market capitalisation of CASS?
Cass Information Systems, Inc. (CASS) has a market capitalisation of $670.20M on NasdaqGS.
What is the P/E ratio of CASS?
CASS trades at a trailing price-to-earnings (P/E) ratio of 22.25. The industry average P/E is 30.17. Its price-to-book (P/B) ratio is 2.63.
Does CASS pay a dividend?
Cass Information Systems, Inc. (CASS) currently offers a dividend yield of 2.59%.
What is the return on equity (ROE) of CASS?
CASS has a return on equity (ROE) of 13.15%.
Is CASS a good stock to buy?
This page provides a data-driven analysis of Cass Information Systems, Inc. (CASS), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.