CASS INFORMATION SYSTEMS INC (CASS) Stock Fundamental Analysis
NASDAQ:CASS • US14808P1093
43.91 USD
-0.8 (-1.79%)
Last: Feb 23, 2026, 11:01 AM
CASS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. There are concerns on the financial health of CASS while its profitability can be described as average. CASS is not valued too expensively and it also shows a decent growth rate. Finally CASS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year CASS was profitable.
- In the past year CASS had a positive cash flow from operations.
- Each year in the past 5 years CASS has been profitable.
- CASS had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- CASS's Return On Assets of 1.28% is in line compared to the rest of the industry. CASS outperforms 51.02% of its industry peers.
- CASS has a better Return On Equity (12.95%) than 70.41% of its industry peers.
- CASS has a Return On Invested Capital (3.02%) which is comparable to the rest of the 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 8.42%.
- The 3 year average ROIC (2.85%) for CASS is below the current ROIC(3.02%), indicating increased profibility in the last year.
| Industry Rank | Sector 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%
1.3 Margins
- CASS has a Profit Margin of 15.07%. This is comparable to the rest of the industry: CASS outperforms 59.18% of its industry peers.
- In the last couple of years the Profit Margin of CASS has remained more or less at the same level.
- CASS has a Operating Margin of 16.52%. This is comparable to the rest of the industry: CASS outperforms 57.14% of its industry peers.
- In the last couple of years the Operating Margin of CASS has declined.
- CASS's Gross Margin of 91.85% is amongst the best of the industry. CASS outperforms 93.88% of its industry peers.
- CASS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
2. Health
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
- CASS has less shares outstanding than it did 5 years ago.
- CASS has a better debt/assets ratio than last year.
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.
- CASS has a worse Altman-Z score (-0.64) than 68.37% of its industry peers.
- The Debt to FCF ratio of CASS is 14.01, which is on the high side as it means it would take CASS, 14.01 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 14.01, CASS perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
- CASS has a Debt/Equity ratio of 2.58. This is a high value indicating a heavy dependency on external financing.
- Looking at the Debt to Equity ratio, with a value of 2.58, CASS is doing worse than 74.49% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.58 | ||
| Debt/FCF | 14.01 | ||
| Altman-Z | -0.64 |
ROIC/WACC0.44
WACC6.86%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that CASS may have some problems paying its short term obligations.
- The Current ratio of CASS (0.04) is worse than 81.63% 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.
- Looking at the Quick ratio, with a value of 0.04, CASS is doing worse than 81.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
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.
- The Earnings Per Share has been growing by 8.49% on average over the past years. This is quite good.
- 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
- The Earnings Per Share is expected to grow by 16.73% on average over the next years. This is quite good.
- 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.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 16.76 indicates a correct valuation of CASS.
- The rest of the industry has a similar Price/Earnings ratio as CASS.
- CASS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.99.
- With a Price/Forward Earnings ratio of 15.32, CASS is valued correctly.
- CASS's Price/Forward Earnings ratio is in line with the industry average.
- CASS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.02.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.76 | ||
| Fwd PE | 15.32 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, CASS is valued a bit cheaper than 78.57% 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 68.37% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.62 | ||
| EV/EBITDA | 7.6 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- CASS's earnings are expected to grow with 16.73% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.78
PEG (5Y)1.97
EPS Next 2Y16.73%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.87%, CASS has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.16, CASS pays a bit more dividend than its industry peers.
- CASS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)3.04%
Div Incr Years23
Div Non Decr Years28
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
NASDAQ:CASS (2/23/2026, 11:01:34 AM)
43.91
-0.8 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)01-22 2026-01-22/bmo
Earnings (Next)04-15 2026-04-15
Inst Owners63.39%
Inst Owner Change-1.34%
Ins Owners3.3%
Ins Owner Change2.34%
Market Cap565.12M
Revenue(TTM)207.42M
Net Income(TTM)31.52M
Analysts82.86
Price Target51 (16.15%)
Short Float %1.85%
Short Ratio2.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.87% |
Yearly Dividend1.22
Dividend Growth(5Y)3.04%
DP52.58%
Div Incr Years23
Div Non Decr Years28
Ex-Date03-03 2026-03-03 (0.32)
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)11.11%
PT rev (3m)11.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-3.1%
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.76 | ||
| Fwd PE | 15.32 | ||
| P/S | 2.7 | ||
| P/FCF | 12.62 | ||
| P/OCF | 11.03 | ||
| P/B | 2.32 | ||
| P/tB | 2.53 | ||
| EV/EBITDA | 7.6 |
EPS(TTM)2.62
EY5.97%
EPS(NY)2.87
Fwd EY6.53%
FCF(TTM)3.48
FCFY7.93%
OCF(TTM)3.98
OCFY9.06%
SpS16.25
BVpS18.92
TBVpS17.35
PEG (NY)1.78
PEG (5Y)1.97
Graham Number33.39
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 FAQ
Can you provide the ChartMill fundamental rating for CASS INFORMATION SYSTEMS INC?
ChartMill assigns a fundamental rating of 4 / 10 to CASS.
What is the valuation status of CASS INFORMATION SYSTEMS INC (CASS) stock?
ChartMill assigns a valuation rating of 4 / 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 5 / 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%.