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

  • In the past year CASS was profitable.
  • In the past year CASS had a positive cash flow from operations.
  • CASS had positive earnings in each of the past 5 years.
  • 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

  • CASS has a Return On Assets of 1.28%. This is comparable to the rest of the industry: CASS outperforms 53.06% of its industry peers.
  • The Return On Equity of CASS (12.95%) is better than 68.37% of its industry peers.
  • With a Return On Invested Capital value of 3.02%, CASS perfoms like the industry average, outperforming 52.04% of the companies in the same industry.
  • CASS had an Average Return On Invested Capital over the past 3 years of 2.85%. This is significantly below the industry average of 8.33%.
  • The 3 year average ROIC (2.85%) for CASS is below the current ROIC(3.02%), indicating increased profibility in the last year.
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

  • Looking at the Profit Margin, with a value of 15.07%, CASS is in the better half of the industry, outperforming 60.20% of the companies in the same industry.
  • In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
  • With a decent Operating Margin value of 16.52%, CASS is doing good in the industry, outperforming 61.22% of the companies in the same industry.
  • In the last couple of years the Operating Margin of CASS has declined.
  • CASS has a better Gross Margin (91.85%) than 93.88% of its industry peers.
  • 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.
  • Compared to 1 year ago, CASS has less shares outstanding
  • The number of shares outstanding for CASS has been reduced compared to 5 years ago.
  • Compared to 1 year ago, CASS has an improved debt to assets ratio.
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

  • CASS has an Altman-Z score of -0.64. This is a bad value and indicates that CASS is not financially healthy and even 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 has a Debt to FCF ratio (14.01) which is comparable to the rest of the industry.
  • CASS has a Debt/Equity ratio of 2.58. This is a high value indicating a heavy dependency on external financing.
  • CASS's Debt to Equity ratio of 2.58 is on the low side compared to the rest of the industry. CASS is outperformed by 73.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.58
Debt/FCF 14.01
Altman-Z -0.64
ROIC/WACC0.44
WACC6.86%
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

  • CASS has a Current 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.
  • CASS's Current ratio of 0.04 is on the low side compared to the rest of the industry. CASS is outperformed by 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.
  • CASS has a worse Quick ratio (0.04) 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

  • The Earnings Per Share has grown by an impressive 89.86% over the past year.
  • CASS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.49% yearly.
  • Looking at the last year, CASS shows a decrease in Revenue. The Revenue has decreased by -5.67% in the last 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

  • CASS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.73% yearly.
  • CASS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.85% yearly.
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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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.
  • Compared to the rest of the industry, the Price/Earnings ratio of CASS is on the same level as its industry peers.
  • CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.70.
  • A Price/Forward Earnings ratio of 15.49 indicates a correct valuation of CASS.
  • CASS's Price/Forward Earnings is on the same level as the industry average.
  • CASS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
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

  • Based on the Enterprise Value to EBITDA ratio, CASS is valued a bit cheaper than the industry average as 76.53% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, CASS is valued a bit cheaper than 70.41% of the companies in the same industry.
Industry RankSector Rank
P/FCF 12.75
EV/EBITDA 7.6
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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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. CASS Dividend Analysis

5.1 Amount

  • CASS has a Yearly Dividend Yield of 2.83%.
  • CASS's Dividend Yield is a higher than the industry average which is at 2.34.
  • Compared to an average S&P500 Dividend Yield of 1.82, CASS pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.83%

5.2 History

  • The dividend of CASS has a limited annual growth rate of 3.04%.
  • CASS has been paying a dividend for at least 10 years, so it has 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.
  • The dividend of CASS is growing, but earnings are growing more, so the dividend growth is 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 2.83%
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 7.6
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
WACC6.86%
ROIC/WACC0.44
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%.