Cass Information Systems Inc.

CASS | NASDAQ

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$55.09

+$0.35 (+0.64%)

At close: Sep 21, 2026, 4:00 PM ET

$55.09

$0 (0.00%)

After-hours: Sep 21, 2026, 5:31 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $704.56M

Enterprise Value $560.6M

Beta 0.42

Average Volume 81.2K

Shares Outstanding (Diluted) 13.07M

Shares Change YoY -3.32%

Institutional Ownership 63.64%

Exchange NASDAQ

ISIN US14808P1093

Price Performance

Price Change 1M -2.4%

Price Change 3M 10.6%

Price Change 6M 25.4%

Price Change YTD 35.8%

Price Change 1Y 32.6%

Price Change 3Y 45.8%

Price Change 5Y 28.7%

1M CAGR (ann.) -5.2%

1Y CAGR (ann.) 33.6%

5Y CAGR (ann.) 8.0%

All-Time CAGR 7.7%

Valuation

PE Ratio 19.82

Forward PE 14.46

PEG Ratio 0.39

Forward PEG 0.90

PS Ratio 3.49

Forward PS 3.20

PB Ratio 2.90

P/FCF Ratio 27.88

P/Adj. FCF Ratio 33.68

P/OCF Ratio 14.50

EV/Sales 2.76

EV/EBIT 11.31

EV/EBITDA 10.49

EV/FCF 22.04

Earnings Yield 5.0%

FCF Yield 3.6%

Adj. FCF Yield 3.0%

Financial Health

Net Cash $148.47M

Total Debt $80M

Cash & Short-Term Investments $228.47M

Total Assets $2.52B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.33

Debt / EBITDA 1.50

Debt / FCF 3.15

OCF / Debt 0.38

Interest Coverage 11.74

Altman Z-Score 0.43

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 96.2%

Operating Profit Margin 22.5%

EBITDA Margin 26.3%

Net Profit Margin 18.1%

FCF Margin 12.5%

Adj. FCF Margin 10.4%

SBC / Revenue 2.3%

SBC Impact (per share) -17.2%

Returns

Return on Assets 1.5%

Return on Equity 15.1%

Return on Invested Capital 45.9%

Return on Capital Employed 1.8%

Return on Tangible Assets 1.5%

Historical Growth (CAGR)

Revenue CAGR 3Y -0.2%

Revenue CAGR 5Y 6.4%

Revenue CAGR 10Y 5.2%

EPS CAGR 3Y 5.9%

EPS CAGR 5Y 9.0%

EPS CAGR 10Y 5.9%

FCF CAGR 3Y -14.3%

FCF CAGR 5Y -10.3%

FCF CAGR 10Y 0.0%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 2

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $34.57

Graham Upside -37.3%

Lynch Fair Value $24.91

Lynch Upside -54.8%

Price Target $58.50

Price Target Upside 6.2%

Cash Flow

Operating Cash Flow $30.42M

Free Cash Flow $25.44M

Adj. Free Cash Flow $21.05M

FCF Per Share $3.27

OCF Per Share $3.80

OCF/S Ratio 24.0%

Income Statement

Revenue $203.09M

Gross Profit $195.46M

Operating Income $45.66M

EBITDA $53.43M

Net Income $36.71M

EPS (Diluted) $2.78

Revenue / Employee $223.17K

Profit / Employee $40.35K

Employees 910

Dividends

Annual Dividend $1.28

Dividend Yield 2.32%

Payout Ratio 46.0%

FCF Payout Ratio 64.7%

Adj. FCF Payout Ratio 78.2%

Dividend Growth (YoY) 3.2%

Pay Frequency Quarterly

Ex-Dividend Date Sep 3, 2026