CASS INFORMATION SYSTEMS INC (CASS) Fundamental Analysis & Valuation

NASDAQ:CASS • US14808P1093

Current stock price

44.39 USD
-0.32 (-0.72%)
At close:
44.39 USD
0 (0%)
After Hours:

This CASS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. CASS Profitability Analysis

1.1 Basic Checks

  • CASS had positive earnings in the past year.
  • In the past year CASS had a positive cash flow from operations.
  • In the past 5 years CASS has always been profitable.
  • Of the past 5 years CASS 4 years had a positive operating cash flow.
CASS Yearly Net Income VS EBIT VS OCF VS FCFCASS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • The Return On Assets of CASS (1.28%) is comparable to the rest of the industry.
  • CASS has a Return On Equity of 12.95%. This is in the better half of the industry: CASS outperforms 68.37% of its industry peers.
  • CASS's Return On Invested Capital of 3.02% is in line compared to the rest of the industry. CASS outperforms 52.04% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for CASS is significantly below the industry average of 8.26%.
  • The last Return On Invested Capital (3.02%) for CASS is above the 3 year average (2.85%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.28%
ROE 12.95%
ROIC 3.02%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.85%
ROIC(5y)3.1%
CASS Yearly ROA, ROE, ROICCASS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • CASS has a Profit Margin of 15.07%. This is in the better half of the industry: CASS outperforms 60.20% of its industry peers.
  • CASS's Profit Margin has been stable in the last couple of years.
  • CASS's Operating Margin of 16.52% is fine compared to the rest of the industry. CASS outperforms 61.22% of its industry peers.
  • CASS's Operating Margin has declined in the last couple of years.
  • With an excellent Gross Margin value of 91.85%, CASS belongs to the best of the industry, outperforming 93.88% of the companies in the same industry.
  • In the last couple of years the Gross Margin of CASS has remained more or less at the same level.
Industry RankSector Rank
OM 16.52%
PM (TTM) 15.07%
GM 91.85%
OM growth 3Y-6.56%
OM growth 5Y-1.8%
PM growth 3Y-3.15%
PM growth 5Y-0.1%
GM growth 3Y-2.08%
GM growth 5Y-1.32%
CASS Yearly Profit, Operating, Gross MarginsCASS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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2

2. CASS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CASS is destroying value.
  • CASS has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, CASS has less shares outstanding
  • The debt/assets ratio for CASS has been reduced compared to a year ago.
CASS Yearly Shares OutstandingCASS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M
CASS Yearly Total Debt VS Total AssetsCASS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.64, we must say that CASS is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.64, CASS is not doing good in the industry: 71.43% of the companies in the same industry are doing better.
  • CASS has a debt to FCF ratio of 14.01. This is a negative value and a sign of low solvency as CASS would need 14.01 years to pay back of all of its debts.
  • CASS's Debt to FCF ratio of 14.01 is in line compared to the rest of the industry. CASS outperforms 42.86% of its industry peers.
  • A Debt/Equity ratio of 2.58 is on the high side and indicates that CASS has dependencies on debt financing.
  • CASS has a Debt to Equity ratio of 2.58. This is in the lower half of the industry: CASS underperforms 73.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.58
Debt/FCF 14.01
Altman-Z -0.64
ROIC/WACC0.45
WACC6.72%
CASS Yearly LT Debt VS Equity VS FCFCASS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M 250M

2.3 Liquidity

  • A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
  • CASS has a Current ratio of 0.04. This is amonst the worse of the industry: CASS underperforms 80.61% of its industry peers.
  • CASS has a Quick Ratio of 0.04. This is a bad value and indicates that CASS is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Quick ratio of CASS (0.04) is worse than 80.61% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
CASS Yearly Current Assets VS Current LiabilitesCASS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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5

3. CASS Growth Analysis

3.1 Past

  • CASS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 89.86%, which is quite impressive.
  • Measured over the past years, CASS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 8.49% on average per year.
  • The Revenue has decreased by -5.67% in the past year.
  • The Revenue has been growing slightly by 6.97% on average over the past years.
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
Revenue 1Y (TTM)-5.67%
Revenue growth 3Y3.46%
Revenue growth 5Y6.97%
Sales Q2Q%-0.96%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.73% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 5.85% on average over the next years.
EPS Next Y9.4%
EPS Next 2Y16.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.33%
Revenue Next 2Y5.85%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
CASS Yearly Revenue VS EstimatesCASS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
CASS Yearly EPS VS EstimatesCASS Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. CASS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 16.94 indicates a correct valuation of CASS.
  • CASS's Price/Earnings is on the same level as the industry average.
  • CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.71.
  • Based on the Price/Forward Earnings ratio of 15.49, the valuation of CASS can be described as correct.
  • The rest of the industry has a similar Price/Forward Earnings ratio as CASS.
  • CASS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.83, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.94
Fwd PE 15.49
CASS Price Earnings VS Forward Price EarningsCASS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • CASS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CASS is cheaper than 77.55% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, CASS is valued a bit cheaper than the industry average as 70.41% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 12.75
EV/EBITDA 7.5
CASS Per share dataCASS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates CASS does not grow enough to justify the current Price/Earnings ratio.
  • CASS has a very decent profitability rating, which may justify a higher PE ratio.
  • CASS's earnings are expected to grow with 16.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.8
PEG (5Y)2
EPS Next 2Y16.73%
EPS Next 3YN/A

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7

5. CASS Dividend Analysis

5.1 Amount

  • CASS has a Yearly Dividend Yield of 2.86%. Purely for dividend investing, there may be better candidates out there.
  • CASS's Dividend Yield is a higher than the industry average which is at 2.61.
  • Compared to an average S&P500 Dividend Yield of 1.91, CASS pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.86%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 3.04%.
  • CASS has paid a dividend for at least 10 years, which is a reliable track record.
  • CASS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)3.04%
Div Incr Years23
Div Non Decr Years28
CASS Yearly Dividends per shareCASS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 52.58% of the earnings are spent on dividend by CASS. This is a bit on the high side, but may be sustainable.
  • CASS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP52.58%
EPS Next 2Y16.73%
EPS Next 3YN/A
CASS Yearly Income VS Free CF VS DividendCASS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
CASS Dividend Payout.CASS Dividend Payout, showing the Payout Ratio.CASS Dividend Payout.PayoutRetained Earnings

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CASS Fundamentals: All Metrics, Ratios and Statistics

CASS INFORMATION SYSTEMS INC

NASDAQ:CASS (3/13/2026, 8:13:23 PM)

After market: 44.39 0 (0%)

44.39

-0.32 (-0.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners66.11%
Inst Owner Change-1.34%
Ins Owners3.51%
Ins Owner Change2.19%
Market Cap571.30M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target51 (14.89%)
Short Float %2.11%
Short Ratio3
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-Date03-03
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.31%
Min EPS beat(2)-10.13%
Max EPS beat(2)-0.5%
EPS beat(4)1
Avg EPS beat(4)-7.31%
Min EPS beat(4)-26.47%
Max EPS beat(4)7.84%
EPS beat(8)2
Avg EPS beat(8)-14.74%
EPS beat(12)2
Avg EPS beat(12)-15.13%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-8.45%
Min Revenue beat(2)-14.65%
Max Revenue beat(2)-2.24%
Revenue beat(4)0
Avg Revenue beat(4)-7.18%
Min Revenue beat(4)-14.65%
Max Revenue beat(4)-0.2%
Revenue beat(8)2
Avg Revenue beat(8)-4.19%
Revenue beat(12)5
Avg Revenue beat(12)-2.94%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 16.94
Fwd PE 15.49
P/S 2.73
P/FCF 12.75
P/OCF 11.15
P/B 2.35
P/tB 2.56
EV/EBITDA 7.5
EPS(TTM)2.62
EY5.9%
EPS(NY)2.87
Fwd EY6.46%
FCF(TTM)3.48
FCFY7.84%
OCF(TTM)3.98
OCFY8.97%
SpS16.25
BVpS18.92
TBVpS17.35
PEG (NY)1.8
PEG (5Y)2
Graham Number33.39
Profitability
Industry RankSector Rank
ROA 1.28%
ROE 12.95%
ROCE 12.16%
ROIC 3.02%
ROICexc 4.22%
ROICexgc 8.24%
OM 16.52%
PM (TTM) 15.07%
GM 91.85%
FCFM 21.42%
ROA(3y)1.12%
ROA(5y)1.17%
ROE(3y)11.97%
ROE(5y)12.89%
ROIC(3y)2.85%
ROIC(5y)3.1%
ROICexc(3y)4.78%
ROICexc(5y)4.28%
ROICexgc(3y)11.68%
ROICexgc(5y)9.74%
ROCE(3y)12.41%
ROCE(5y)13.47%
ROICexgc growth 3Y9.8%
ROICexgc growth 5Y-4.67%
ROICexc growth 3Y9.32%
ROICexc growth 5Y-0.29%
OM growth 3Y-6.56%
OM growth 5Y-1.8%
PM growth 3Y-3.15%
PM growth 5Y-0.1%
GM growth 3Y-2.08%
GM growth 5Y-1.32%
F-Score8
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 2.58
Debt/FCF 14.01
Debt/EBITDA 15.06
Cap/Depr 90.04%
Cap/Sales 3.07%
Interest Coverage 2.07
Cash Conversion 122.91%
Profit Quality 142.1%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.64
F-Score8
WACC6.72%
ROIC/WACC0.45
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)89.86%
EPS 3Y0.91%
EPS 5Y8.49%
EPS Q2Q%87.88%
EPS Next Y9.4%
EPS Next 2Y16.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-5.67%
Revenue growth 3Y3.46%
Revenue growth 5Y6.97%
Sales Q2Q%-0.96%
Revenue Next Year7.33%
Revenue Next 2Y5.85%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y19.86%
EBIT growth 3Y-3.33%
EBIT growth 5Y5.05%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y197.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y83.68%
OCF growth 3YN/A
OCF growth 5YN/A

CASS INFORMATION SYSTEMS INC / CASS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CASS INFORMATION SYSTEMS INC?

ChartMill assigns a fundamental rating of 5 / 10 to CASS.


What is the valuation status of CASS INFORMATION SYSTEMS INC (CASS) stock?

ChartMill assigns a valuation rating of 5 / 10 to CASS INFORMATION SYSTEMS INC (CASS). This can be considered as Fairly Valued.


Can you provide the profitability details for CASS INFORMATION SYSTEMS INC?

CASS INFORMATION SYSTEMS INC (CASS) has a profitability rating of 6 / 10.


What is the financial health of CASS INFORMATION SYSTEMS INC (CASS) stock?

The financial health rating of CASS INFORMATION SYSTEMS INC (CASS) is 2 / 10.


How sustainable is the dividend of CASS INFORMATION SYSTEMS INC (CASS) stock?

The dividend rating of CASS INFORMATION SYSTEMS INC (CASS) is 7 / 10 and the dividend payout ratio is 52.58%.