Cass Information Systems (CASS) Stock Insights

CASS price $53.75 -0.70 -1.29%

Ticker
CASS
Price
$53.75
Change
-0.70 -1.29%
Market cap ?
$688.33M
P/E ?
18.49
Forward P/E ?
18.13
Dividend yield ?
2.32%
Beta ?
0.40
Sector
Industrials
Industry
Specialty Business Services
Stocklytics score
49
Value
38
Quality
63
Growth
46

Stocklytics score rationale: value 38, quality 63, growth 46.

Financials

2016201720182019202020212022202320242025
126066000137489000152002000162678000148128000155188000187308000213227000219894000191098000

Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across the United States. The company's operations are divided into two main areas: Information Services and Banking Services. Through its Information Services segment, Cass provides essential back-office solutions, including the intricate rating, payment…

Fair value

CASS fair value $84.18. Price $53.75. Price is 36% below fair value.

Below fair value, but more expensive than usual. A smaller discount than on 79% of days in the past 5 years.

Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.

Calculated with a 10-year free-cash-flow discount. Starting free cash flow 30.62M. Growth 7.33%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 8.70% (beta 0.8). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 12.81M. Net debt -387.76M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the stock's own 10-year median P/E, kept between 8 and 40. Fewer than five years of history uses the sector's typical P/E. Fair value is the average of the cash-flow value and the earnings value when both exist. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.

Compare CASS

Earnings

DateEPS actualEPS estimateRevenueRevenue estimate
2027-01-28—0.80—53.14M
2026-10-220.810.8052.70M52.29M
2026-07-230.710.7249.94M51.02M
2026-04-230.660.6349.10M49.60M
2026-01-220.680.6449.89M49.60M
2025-10-230.690.6354.01M49.60M
2025-07-170.380.7244.40M48.12M
2025-04-170.630.6047.31M52.62M
2025-01-230.330.4350.37M50.46M
2024-10-170.210.5022.77M48.99M
2024-07-180.320.5354.30M49.99M
2024-04-180.520.5954.95M50.79M
2024-01-250.610.4850.52M48.33M
2023-10-190.540.5549.35M48.08M
2023-07-200.520.6748.09M49.67M
2023-04-170.510.7049.01M50.98M
2023-01-190.670.7149.45M49.49M
2022-10-130.64—47.76M—
2022-07-140.62—44.29M—
2022-04-140.60—42.33M—
2022-01-270.55—40.69M—
2021-10-210.48—39.01M—
2021-07-220.48—37.80M—
2021-04-220.49—36.52M—
2021-01-280.44—37.13M—
2020-10-220.40—35.75M—
2020-07-230.37—33.94M—
2020-04-230.52—38.14M—
2020-01-310.43—38.94M—
2019-10-240.56—40.54M—
2019-07-250.52—39.39M—
2019-04-250.55—38.37M—
2019-01-310.47—38.30M—
2018-10-250.51—37.62M—
2018-07-260.50—36.36M—
2018-04-260.54—35.98M—
2018-02-010.48—35.05M—
2017-10-260.46—34.30M—
2017-07-270.44—33.66M—
2017-04-270.42—32.29M—

Dividends

Yield 2.38%. Payout ratio 32.37%. Frequency Quarterly.

Safety score 93/100 · Safe. Payout ratio is 32% of earnings. Dividends use a moderate share of free cash flow. Dividends were paid in 31 separate years. Yield is 2.4%, in a range that is usually sustainable.

Ex-dateDividendRecordPaymentFrequency
2026-12-04$0.342026-12-042026-12-14Quarterly
2026-09-04$0.322026-09-042026-09-14Quarterly
2026-06-05$0.322026-06-052026-06-15Quarterly
2026-03-03$0.322026-03-032026-03-13Quarterly
2025-12-05$0.322025-12-052025-12-15Quarterly
2025-09-05$0.312025-09-052025-09-15Quarterly
2025-06-03$0.312025-06-032025-06-13Quarterly
2025-03-04$0.312025-03-042025-03-14Quarterly
2024-12-03$0.312024-12-032024-12-13Quarterly
2024-09-03$0.302024-09-032024-09-13Quarterly
2024-06-04$0.302024-06-042024-06-14Quarterly
2024-03-04$0.302024-03-052024-03-15Quarterly
2023-12-04$0.302023-12-052023-12-15Quarterly
2023-09-01$0.292023-09-052023-09-15Quarterly
2023-06-02$0.292023-06-052023-06-15Quarterly
2023-03-02$0.292023-03-032023-03-15Quarterly
2022-12-02$0.292022-12-052022-12-15Quarterly
2022-09-01$0.282022-09-022022-09-15Quarterly
2022-06-02$0.282022-06-032022-06-15Quarterly
2022-03-03$0.282022-03-042022-03-15Quarterly
2021-12-02$0.282021-12-032021-12-15Quarterly
2021-09-02$0.272021-09-032021-09-15Quarterly
2021-06-03$0.272021-06-042021-06-15Quarterly
2021-03-04$0.272021-03-052021-03-15Quarterly
2020-12-03$0.272020-12-042020-12-15Quarterly
2020-09-03$0.272020-09-042020-09-15Quarterly
2020-06-04$0.272020-06-052020-06-15Quarterly
2020-03-02$0.272020-03-032020-03-13Quarterly
2019-12-02$0.272019-12-032019-12-13Quarterly
2019-08-30$0.262019-09-032019-09-13Quarterly
2019-06-03$0.262019-06-042019-06-14Quarterly
2019-03-04$0.262019-03-052019-03-15Quarterly
2018-12-03$0.262018-12-042018-12-14Quarterly
2018-08-31$0.222018-09-042018-09-14Quarterly
2018-06-04$0.222018-06-052018-06-15Quarterly
2018-03-02$0.242018-03-052018-03-15Quarterly
2017-12-04$0.242017-12-052017-12-15Quarterly
2017-08-31$0.172017-09-052017-09-15Quarterly
2017-05-31$0.172017-06-022017-06-15Quarterly
2017-03-01$0.172017-03-032017-03-15Quarterly
2016-12-01$0.172016-12-052016-12-15Quarterly
2016-08-31$0.172016-09-022016-09-15Quarterly
2016-06-01$0.172016-06-032016-06-15Quarterly
2016-03-02$0.172016-03-042016-03-15Quarterly
2015-12-02$0.172015-12-042015-12-15Quarterly
2015-09-02$0.162015-09-042015-09-15Quarterly
2015-06-03$0.162015-06-052015-06-15Quarterly
2015-03-03$0.162015-03-052015-03-16Quarterly
2014-12-03$0.162014-12-052014-12-15Quarterly
2014-09-03$0.152014-09-052014-09-15Quarterly
2014-06-03$0.152014-06-052014-06-16Quarterly
2014-03-03$0.152014-03-052014-03-17Quarterly
2013-12-03$0.152013-12-052013-12-16Quarterly
2013-09-03$0.142013-09-052013-09-16Quarterly
2013-05-31$0.142013-06-042013-06-14Quarterly
2013-03-01$0.142013-03-052013-03-15Quarterly
2012-12-03$0.122012-12-052012-12-14Quarterly
2012-08-31$0.122012-09-052012-09-14Quarterly
2012-06-01$0.122012-06-052012-06-15Quarterly
2012-03-01$0.122012-03-052012-03-15Quarterly
2011-12-01$0.12—2011-12-15Quarterly
2011-08-31$0.112011-09-052011-09-15Quarterly
2011-06-01$0.112011-06-032011-06-15Quarterly
2011-03-02$0.112011-03-042011-03-15Quarterly
2010-12-01$0.112010-12-032010-12-15Quarterly
2010-09-01$0.102010-09-032010-09-15Quarterly
2010-06-02$0.102010-06-042010-06-15Quarterly
2010-03-03$0.102010-03-052010-03-15Quarterly
2009-12-02$0.102009-12-042009-12-15Quarterly
2009-09-02$0.092009-09-042009-09-15Quarterly
2009-06-03$0.092009-06-052009-06-15Quarterly
2009-03-03$0.092009-03-052009-03-16Quarterly
2008-12-03$0.092008-12-052008-12-15Quarterly
2008-09-03$0.082008-09-052008-09-15Quarterly
2008-06-03$0.082008-06-052008-06-16Quarterly
2008-03-03$0.082008-03-052008-03-17Quarterly
2007-11-29$0.082007-12-032007-12-17Quarterly
2007-08-31$0.082007-09-052007-09-14Quarterly
2007-06-01$0.082007-06-052007-06-15Quarterly
2007-03-01$0.082007-03-052007-03-15Quarterly

Insider trades

DateInsiderActionSharesPriceValue
2026-09-10WICKS FRANKBuy236$55.0813.00K
2026-09-10Schilling Randall LBuy236$55.0813.00K
2026-09-10RUPP JOSEPH DBuy236$55.0813.00K
2026-06-11WICKS FRANKBuy262$49.4412.95K
2026-06-11Schilling Randall LBuy262$49.4412.95K
2026-06-11RUPP JOSEPH DBuy262$49.4412.95K
2026-04-23Drabik John JBuy1.70K$46.9479.99K
2026-04-23Schilling Randall LBuy1.70K$46.9479.99K
2026-04-23WICKS FRANKBuy1.70K$46.9479.99K
2026-04-23EDWARDS BENJAMIN F IVBuy1.70K$46.9479.99K
2026-04-23RUPP JOSEPH DBuy1.70K$46.9479.99K
2026-04-23Ebel Robert ABuy1.70K$46.9479.99K
2026-04-23BRUNNGRABER ERIC HBuy1.70K$46.9479.99K
2026-04-23Marr Ann WalterBuy1.70K$46.9479.99K
2026-04-23Henry Wendy J.Buy1.70K$46.9479.99K
2026-04-21Roth Sally HSell2.51K$47.84120.03K
2026-04-21LINDEMANN JAMES JSell8.45K$47.84404.06K
2026-04-21Clermont Ralph WSell6.85K$47.84327.56K
2026-04-21Drabik John JOther0——
2026-04-20Resch Martin H.Buy1.98K——
2026-04-20Resch Martin H.Sell830$48.5440.29K
2026-04-20Resch Martin H.Sell894$48.5443.39K
2026-04-17Roth Sally HSell540$48.1025.97K
2026-03-29Giering Eric ThomasOther0——
2026-03-19WICKS FRANKBuy301$43.1512.99K
2026-03-19Schilling Randall LBuy301$43.1512.99K
2026-03-19RUPP JOSEPH DBuy301$43.1512.99K
2026-03-19LINDEMANN JAMES JBuy301$43.1512.99K
2026-03-19Clermont Ralph WBuy301$43.1512.99K
2026-01-26BRUNNGRABER ERIC HBuy8.21K——
2026-01-26BRUNNGRABER ERIC HSell3.88K$44.25171.51K
2026-01-26BRUNNGRABER ERIC HSell3.73K$44.25164.92K
2026-01-26Schuckman Matthew StevenBuy1.48K——
2026-01-26Schuckman Matthew StevenSell509$44.2522.52K
2026-01-26Schuckman Matthew StevenSell548$44.2524.25K
2026-01-26Normile Michael JamesBuy1.79K——
2026-01-26Normile Michael JamesSell837$44.2537.04K
2026-01-26Normile Michael JamesSell911$44.2540.31K
2026-01-26Erdbruegger Dwight DBuy1.75K——
2026-01-26Erdbruegger Dwight DSell635$44.2528.10K
2026-01-26Erdbruegger Dwight DSell539$44.2523.85K
2026-01-26Cavellier James M JrBuy1.68K——
2026-01-26Cavellier James M JrSell601$44.2526.59K
2026-01-26Cavellier James M JrSell647$44.2528.63K
2026-01-26Resch Martin H.Buy4.03K——
2026-01-26Resch Martin H.Sell1.69K$44.2574.87K
2026-01-26Resch Martin H.Sell1.98K$44.2587.61K
2026-01-22Schuckman Matthew StevenBuy1.99K——
2026-01-22Normile Michael JamesBuy2.84K——
2026-01-22Erdbruegger Dwight DBuy2.32K——
2026-01-22Cavellier James M JrBuy2.20K——
2026-01-22Resch Martin H.Buy8.41K——
2025-12-11WICKS FRANKBuy297$43.6512.96K
2025-12-11Schilling Randall LBuy297$43.6512.96K
2025-12-11RUPP JOSEPH DBuy297$43.6512.96K
2025-12-11LINDEMANN JAMES JBuy297$43.6512.96K
2025-12-11Clermont Ralph WBuy297$43.6512.96K
2025-10-02Resch Martin H.Buy500$38.6919.34K
2025-09-11WICKS FRANKBuy298$43.5212.97K
2025-09-11Schilling Randall LBuy298$43.5212.97K
2025-09-11RUPP JOSEPH DBuy298$43.5212.97K
2025-09-11LINDEMANN JAMES JBuy298$43.5212.97K
2025-09-11Clermont Ralph WBuy298$43.5212.97K
2025-08-01Normile Michael JamesBuy200$39.617.92K
2025-08-01Resch Martin H.Buy500$39.5019.75K
2025-07-31Resch Martin H.Buy500$39.7519.88K
2025-06-19Schilling Randall LBuy311$41.6812.96K
2025-06-19WICKS FRANKBuy311$41.6812.96K
2025-06-19RUPP JOSEPH DBuy311$41.6812.96K
2025-06-19Clermont Ralph WBuy311$41.6812.96K
2025-06-19LINDEMANN JAMES JBuy311$41.6812.96K
2025-04-21Resch Martin H.Buy200$39.007.80K
2025-04-21Normile Michael JamesBuy250$39.259.81K
2025-04-17Henry Wendy J.Buy2.03K$39.4879.99K
2025-04-17BRUNNGRABER ERIC HBuy2.03K$39.4879.99K
2025-04-17Clermont Ralph WBuy2.03K$39.4879.99K
2025-04-17Marr Ann WalterBuy2.03K$39.4879.99K
2025-04-17Ebel Robert ABuy2.03K$39.4879.99K
2025-04-17Roth Sally HBuy2.03K$39.4879.99K
2025-04-17WICKS FRANKBuy2.03K$39.4879.99K
2025-04-17LINDEMANN JAMES JBuy2.03K$39.4879.99K
2025-04-17EDWARDS BENJAMIN F IVBuy2.03K$39.4879.99K
2025-04-17RUPP JOSEPH DBuy2.03K$39.4879.99K
2025-04-17Schilling Randall LBuy2.03K$39.4879.99K
2025-03-20Schilling Randall LBuy297$43.7012.98K
2025-03-20WICKS FRANKBuy297$43.7012.98K
2025-03-20RUPP JOSEPH DBuy297$43.7012.98K
2025-03-20Clermont Ralph WBuy297$43.7012.98K
2025-03-20LINDEMANN JAMES JBuy297$43.7012.98K
2025-01-24Schuckman Matthew StevenBuy2.84K——
2025-01-24Schuckman Matthew StevenSell936$41.1038.47K
2025-01-24Schuckman Matthew StevenSell669$41.1027.50K
2025-01-24Normile Michael JamesBuy3.37K——
2025-01-24Normile Michael JamesSell1.51K$41.1061.94K
2025-01-24Normile Michael JamesSell1.09K$41.1044.68K
2025-01-24Erdbruegger Dwight DBuy3.34K——
2025-01-24Erdbruegger Dwight DSell1.25K$41.1051.33K
2025-01-24Erdbruegger Dwight DSell660$41.1027.13K
2025-01-24Cavellier James M JrBuy3.21K——
2025-01-24Cavellier James M JrSell1.06K$41.1043.48K

Institutional holders

Latest filed quarter: Q2 2026.

Institutions holding: 174, holders +12 vs prior quarter. Ownership 62.20%.

HolderSharesChangeChange %Value
BLACKROCK, INC.1.00M98.33K+10.89%51.40M
VANGUARD CAPITAL MANAGEMENT LLC538.56K-11.89K-2.16%27.64M
BROWN ADVISORY INC527.30K5.66K+1.09%27.06M
HEARTLAND ADVISORS INC493.41K22.88K+4.86%25.32M
SPEECE THORSON CAPITAL GROUP INC347.33K-6.91K-1.95%17.82M
DIMENSIONAL FUND ADVISORS LP341.43K-5.25K-1.51%17.52M
GEODE CAPITAL MANAGEMENT, LLC304.46K15.54K+5.38%15.63M
STATE STREET CORP289.01K1.44K+0.50%14.83M
PROSHARE ADVISORS LLC279.92K-9.93K-3.43%14.37M
TRIBUTARY CAPITAL MANAGEMENT, LLC241.75K-7.19K-2.89%12.41M
VANGUARD PORTFOLIO MANAGEMENT LLC180.90K14.52K+8.73%9.28M
PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.156.53K43.47K+38.45%8.03M
CRAWFORD INVESTMENT COUNSEL INC134.59K12.76K+10.48%6.91M
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP125.34K-12.35K-8.97%6.43M
CSM ADVISORS, LLC116.75K26.91K+29.95%5.99M
AQR CAPITAL MANAGEMENT LLC109.00K51.19K+88.56%5.59M
ACUMEN WEALTH ADVISORS, LLC105.62K-200-0.19%5.42M
NORTHERN TRUST CORP105.17K4.61K+4.59%5.40M
SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P.95.92K95.92KNew4.92M
CHARLES SCHWAB INVESTMENT MANAGEMENT INC95.92K1.30K+1.37%4.92M
NUVEEN, LLC85.79K59.22K+222.88%4.40M
GOLDMAN SACHS GROUP INC84.02K2.43K+2.98%4.31M
VANGUARD FIDUCIARY TRUST CO82.34K3.22K+4.06%4.23M
ROYCE & ASSOCIATES LP81.47K-6.42K-7.30%4.18M
TWO SIGMA INVESTMENTS, LP80.43K16.11K+25.04%4.13M

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Cass Information Systems (CASS) Stock Insights

CASS$53.75-0.70 -1.29%

$688.33M

Market Cap

18.49

P/E

18.13

Forward P/E

49

Score

Price History