Cass Information Systems, Inc. (CASS)

Cass Information Systems Statistics

Total Valuation

CASS has a market cap or net worth of $579.66 million. The enterprise value is $349.10 million.

Market Cap	579.66M
Enterprise Value	349.10M

Important Dates

The last earnings date was Thursday, October 17, 2024, before market open.

Earnings Date	Oct 17, 2024
Ex-Dividend Date	Dec 3, 2024

Share Statistics

CASS has 13.63 million shares outstanding. The number of shares has decreased by -0.31% in one year.

Shares Outstanding	13.63M
Shares Change (YoY)	-0.31%
Shares Change (QoQ)	-0.26%
Owned by Insiders (%)	2.94%
Owned by Institutions (%)	58.85%
Float	12.17M

Valuation Ratios

The trailing PE ratio is 25.32 and the forward PE ratio is 18.26.

PE Ratio	25.32
Forward PE	18.26
PS Ratio	2.61
Forward PS	2.63
PB Ratio	2.42
P/FCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.19
EV / Sales	1.59
EV / EBITDA	6.40
EV / EBIT	7.10
EV / FCF	n/a

Financial Position

The company has a current ratio of 1.15

Current Ratio	1.15
Quick Ratio	1.00
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	2.42

Financial Efficiency

Return on equity (ROE) is 10.36% and return on invested capital (ROIC) is 13.57%.

Return on Equity (ROE)	10.36%
Return on Assets (ROA)	1.29%
Return on Capital (ROIC)	13.57%
Revenue Per Employee	$167,194
Profits Per Employee	$17,465
Employee Count	1,316
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, CASS has paid $5.83 million in taxes.

Income Tax	5.83M
Effective Tax Rate	20.22%

Stock Price Statistics

The stock price has increased by +7.64% in the last 52 weeks. The beta is 0.71, so CASS's price volatility has been lower than the market average.

Beta (5Y)	0.71
52-Week Price Change	+7.64%
50-Day Moving Average	41.58
200-Day Moving Average	43.16
Relative Strength Index (RSI)	55.10
Average Volume (20 Days)	36,395

Short Selling Information

The latest short interest is 185,248, so 1.36% of the outstanding shares have been sold short.

Short Interest	185,248
Short Previous Month	190,634
Short % of Shares Out	1.36%
Short % of Float	1.52%
Short Ratio (days to cover)	5.77

Income Statement

In the last 12 months, CASS had revenue of $220.03 million and earned $22.98 million in profits. Earnings per share was $1.68.

Revenue	220.03M
Gross Profit	99.96M
Operating Income	49.14M
Pretax Income	34.32M
Net Income	22.98M
EBITDA	54.56M
EBIT	49.14M
Earnings Per Share (EPS)	$1.68

Balance Sheet

Cash & Cash Equivalents	230.56M
Total Debt	n/a
Net Cash	230.56M
Net Cash Per Share	$16.92
Equity (Book Value)	237.65M
Book Value Per Share	17.60
Working Capital	204.55M

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 45.43%, with operating and profit margins of 22.34% and 10.45%.

Gross Margin	45.43%
Operating Margin	22.34%
Pretax Margin	13.09%
Profit Margin	10.45%
EBITDA Margin	24.80%
EBIT Margin	22.34%
FCF Margin	13.54%

Dividends & Yields

This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 2.92%.

Dividend Per Share	$1.24
Dividend Yield	2.92%
Dividend Growth (YoY)	3.42%
Years of Dividend Growth	22
Payout Ratio	73.82%
Buyback Yield	0.31%
Shareholder Yield	3.22%
Earnings Yield	3.97%
FCF Yield	n/a

Analyst Forecast

The average price target for CASS is $45.00, which is 5.78% higher than the current price. The consensus rating is "Buy".

Price Target	$45.00
Price Target Difference	5.78%
Analyst Consensus	Buy
Analyst Count	1
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Splits

The last stock split was on December 3, 2018. It was a forward split with a ratio of 1.2:1.

Last Split Date	Dec 3, 2018
Split Type	Forward
Split Ratio	1.2:1

Scores

CASS has an Altman Z-Score of 0.54 and a Piotroski F-Score of 5. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score	0.54
Piotroski F-Score	5