Cass Information Systems Statistics
Total Valuation
CASS has a market cap or net worth of $566.66 million. The enterprise value is $346.62 million.
| Market Cap | 566.66M |
| Enterprise Value | 346.62M |
Important Dates
The next estimated earnings date is Thursday, July 17, 2025, before market open.
| Earnings Date | Jul 17, 2025 |
| Ex-Dividend Date | Jun 3, 2025 |
Share Statistics
CASS has 13.36 million shares outstanding. The number of shares has decreased by -0.39% in one year.
| Current Share Class | 13.36M |
| Shares Outstanding | 13.36M |
| Shares Change (YoY) | -0.39% |
| Shares Change (QoQ) | -0.54% |
| Owned by Insiders (%) | 3.45% |
| Owned by Institutions (%) | 60.23% |
| Float | 11.84M |
Valuation Ratios
The trailing PE ratio is 27.72 and the forward PE ratio is 15.59.
| PE Ratio | 27.72 |
| Forward PE | 15.59 |
| PS Ratio | 2.55 |
| Forward PS | 2.61 |
| PB Ratio | 2.39 |
| P/TBV Ratio | 2.63 |
| P/FCF Ratio | 13.30 |
| P/OCF Ratio | 11.09 |
| PEG Ratio | n/a |
Enterprise Valuation
The stock's EV/EBITDA ratio is 6.96, with an EV/FCF ratio of 8.20.
| EV / Earnings | 16.52 |
| EV / Sales | 1.57 |
| EV / EBITDA | 6.96 |
| EV / EBIT | 7.99 |
| EV / FCF | 8.20 |
Financial Position
The company has a current ratio of 1.14, with a Debt / Equity ratio of 0.02.
| Current Ratio | 1.14 |
| Quick Ratio | 1.01 |
| Debt / Equity | 0.02 |
| Debt / EBITDA | 0.09 |
| Debt / FCF | 0.12 |
| Interest Coverage | 2.26 |
Financial Efficiency
Return on equity (ROE) is 8.91% and return on invested capital (ROIC) is 11.37%.
| Return on Equity (ROE) | 8.91% |
| Return on Assets (ROA) | 1.18% |
| Return on Invested Capital (ROIC) | 11.37% |
| Return on Capital Employed (ROCE) | 4.63% |
| Revenue Per Employee | $177,038 |
| Profits Per Employee | $16,813 |
| Employee Count | 1,248 |
| Asset Turnover | 0.10 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CASS has paid $5.54 million in taxes.
| Income Tax | 5.54M |
| Effective Tax Rate | 21.16% |
Stock Price Statistics
The stock price has decreased by -0.45% in the last 52 weeks. The beta is 0.46, so CASS's price volatility has been lower than the market average.
| Beta (5Y) | 0.46 |
| 52-Week Price Change | -0.45% |
| 50-Day Moving Average | 41.66 |
| 200-Day Moving Average | 42.30 |
| Relative Strength Index (RSI) | 49.24 |
| Average Volume (20 Days) | 43,344 |
Short Selling Information
The latest short interest is 150,861, so 1.13% of the outstanding shares have been sold short.
| Short Interest | 150,861 |
| Short Previous Month | 157,549 |
| Short % of Shares Out | 1.13% |
| Short % of Float | 1.27% |
| Short Ratio (days to cover) | 2.58 |
Income Statement
In the last 12 months, CASS had revenue of $220.94 million and earned $20.98 million in profits. Earnings per share was $1.53.
| Revenue | 220.94M |
| Gross Profit | 95.92M |
| Operating Income | 43.40M |
| Pretax Income | 34.32M |
| Net Income | 20.98M |
| EBITDA | 49.82M |
| EBIT | 43.40M |
| Earnings Per Share (EPS) | $1.53 |
Balance Sheet
The company has $220.67 million in cash and $5.04 million in debt, giving a net cash position of $215.64 million or $16.14 per share.
| Cash & Cash Equivalents | 220.67M |
| Total Debt | 5.04M |
| Net Cash | 215.64M |
| Net Cash Per Share | $16.14 |
| Equity (Book Value) | 234.25M |
| Book Value Per Share | 17.45 |
| Working Capital | 197.15M |
Cash Flow
In the last 12 months, operating cash flow was $50.69 million and capital expenditures -$8.42 million, giving a free cash flow of $42.27 million.
| Operating Cash Flow | 50.69M |
| Capital Expenditures | -8.42M |
| Free Cash Flow | 42.27M |
| FCF Per Share | $3.16 |
Margins
Gross margin is 43.42%, with operating and profit margins of 19.64% and 9.50%.
| Gross Margin | 43.42% |
| Operating Margin | 19.64% |
| Pretax Margin | 11.86% |
| Profit Margin | 9.50% |
| EBITDA Margin | 22.55% |
| EBIT Margin | 19.64% |
| FCF Margin | 19.13% |
Dividends & Yields
This stock pays an annual dividend of $1.24, which amounts to a dividend yield of 2.95%.
| Dividend Per Share | $1.24 |
| Dividend Yield | 2.95% |
| Dividend Growth (YoY) | 3.36% |
| Years of Dividend Growth | 10 |
| Payout Ratio | 80.98% |
| Buyback Yield | 0.39% |
| Shareholder Yield | 3.33% |
| Earnings Yield | 3.73% |
| FCF Yield | 7.52% |
Analyst Forecast
The average price target for CASS is $46.00, which is 8.45% higher than the current price. The consensus rating is "Buy".
| Price Target | $46.00 |
| Price Target Difference | 8.45% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
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 0.52 and a Piotroski F-Score of 6. A Z-score under 3 suggests an increased risk of bankruptcy.
| Altman Z-Score | 0.52 |
| Piotroski F-Score | 6 |