Cass Information Systems, Inc. (CASS)
NASDAQ: CASS · Real-Time Price · USD
39.05
-0.38 (-0.96%)
Oct 24, 2025, 4:00 PM EDT - Market closed

Cass Information Systems Statistics

Total Valuation

CASS has a market cap or net worth of $510.50 million. The enterprise value is $251.87 million.

Market Cap510.50M
Enterprise Value 251.87M

Important Dates

The last earnings date was Thursday, October 23, 2025, before market open.

Earnings Date Oct 23, 2025
Ex-Dividend Date Dec 5, 2025

Share Statistics

CASS has 13.07 million shares outstanding. The number of shares has decreased by -1.49% in one year.

Current Share Class 13.07M
Shares Outstanding 13.07M
Shares Change (YoY) -1.49%
Shares Change (QoQ) -0.88%
Owned by Insiders (%) 3.56%
Owned by Institutions (%) 58.79%
Float 11.55M

Valuation Ratios

The trailing PE ratio is 19.26 and the forward PE ratio is 14.10.

PE Ratio 19.26
Forward PE 14.10
PS Ratio 2.34
Forward PS 2.46
PB Ratio 2.10
P/TBV Ratio 2.29
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

EV / Earnings 7.99
EV / Sales 1.13
EV / EBITDA 4.23
EV / EBIT 4.86
EV / FCF n/a

Financial Position

The company has a current ratio of 1.02

Current Ratio 1.02
Quick Ratio 0.90
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage 3.04

Financial Efficiency

Return on equity (ROE) is 11.51% and return on invested capital (ROIC) is 13.25%.

Return on Equity (ROE) 11.51%
Return on Assets (ROA) 1.37%
Return on Invested Capital (ROIC) 13.25%
Return on Capital Employed (ROCE) 5.65%
Revenue Per Employee $178,139
Profits Per Employee $25,257
Employee Count1,248
Asset Turnover 0.09
Inventory Turnover n/a

Taxes

In the past 12 months, CASS has paid $7.07 million in taxes.

Income Tax 7.07M
Effective Tax Rate 20.34%

Stock Price Statistics

The stock price has decreased by -5.99% in the last 52 weeks. The beta is 0.47, so CASS's price volatility has been lower than the market average.

Beta (5Y) 0.47
52-Week Price Change -5.99%
50-Day Moving Average 40.78
200-Day Moving Average 41.96
Relative Strength Index (RSI) 50.13
Average Volume (20 Days) 89,356

Short Selling Information

The latest short interest is 170,011, so 1.30% of the outstanding shares have been sold short.

Short Interest 170,011
Short Previous Month 168,821
Short % of Shares Out 1.30%
Short % of Float 1.47%
Short Ratio (days to cover) 2.41

Income Statement

In the last 12 months, CASS had revenue of $222.32 million and earned $31.52 million in profits. Earnings per share was $2.31.

Revenue222.32M
Gross Profit 95.13M
Operating Income 51.80M
Pretax Income 34.76M
Net Income 31.52M
EBITDA 59.48M
EBIT 51.80M
Earnings Per Share (EPS) $2.31
Full Income Statement

Balance Sheet

The company has $258.63 million in cash and n/a in debt, giving a net cash position of $258.63 million or $19.78 per share.

Cash & Cash Equivalents 258.63M
Total Debt n/a
Net Cash 258.63M
Net Cash Per Share $19.78
Equity (Book Value) 243.45M
Book Value Per Share 18.62
Working Capital 33.21M
Full Balance Sheet

Cash Flow

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

Margins

Gross margin is 42.79%, with operating and profit margins of 23.30% and 14.18%.

Gross Margin 42.79%
Operating Margin 23.30%
Pretax Margin 15.64%
Profit Margin 14.18%
EBITDA Margin 26.76%
EBIT Margin 23.30%
FCF Margin n/a

Dividends & Yields

This stock pays an annual dividend of $1.28, which amounts to a dividend yield of 3.28%.

Dividend Per Share $1.28
Dividend Yield 3.28%
Dividend Growth (YoY) 3.31%
Years of Dividend Growth 23
Payout Ratio 54.12%
Buyback Yield 1.49%
Shareholder Yield 4.77%
Earnings Yield 6.17%
FCF Yield n/a
Dividend Details

Analyst Forecast

The average price target for CASS is $45.50, which is 16.52% higher than the current price. The consensus rating is "Buy".

Price Target $45.50
Price Target Difference 16.52%
Analyst Consensus Buy
Analyst Count 2
Revenue Growth Forecast (5Y) n/a
EPS Growth Forecast (5Y) n/a
Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

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 0.42 and a Piotroski F-Score of 3. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 0.42
Piotroski F-Score 3