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Home CompaniesCass Information Systems Inc

Cass Information Systems Inc

Industrials Specialty Business Services
PortfolioPortfolio WatchlistWatchlist
Company price
55.415 USD 0.01 ( 0.03%)
Last update at 2026-11-12T14:30:00Z
VOLUME
2716
Market Cap
625.95M
P/E
20.71

Momentum Score

…

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-based ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
55.41
Low
55.82
High
52 Week Price Range
35.55
Low
48.76
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Cass Information Systems Inc provides invoice processing, payment and data management services primarily for transportation and other B2B clients, combining freight audit, payment execution and analytics to streamline bill processing. Long-term growth could be supported by continued digitization of corporate payments, wider adoption of data-driven logistics tools and cross-selling of recurring service offerings. Investors may find the company attractive for its niche market position, client relationships and fee-based revenue mix.

Key risks include sensitivity of revenue to freight and economic cycles, competitive pressure from fintechs and banks, regulatory and compliance requirements for payment processors, and operational or cybersecurity failures that could disrupt services.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
55.40
Dividend Yield
2.58%
Revenue TTM
207.42M
Revenue Per Share
15.74
Gross Profit TTM
97.01M
Debt / Equity
0.02
ROE
13.18%
Net Debt
-387.76M
ROCE
2.62%
Diluted EPS TTM
2.31

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 38.76M 24.22M 37.36M 42.90M 33.82M
Net income 35.12M 19.17M 30.06M 34.90M 28.60M
Selling general administrative 113.14M 11.29M 3.56M 106.47M 92.16M
Selling and marketing expenses - 3.54M 3.25M 2.89M 2.63M
Gross profit 191.10M 187.66M 187.14M 150.72M 125.85M
Reconciled depreciation 7.20M 5.99M 4.85M 4.70M 5.17M
Ebit - 24.22M 37.47M 46.38M 33.82M
Ebitda 38.76M 30.21M 42.44M 51.08M 38.99M
Depreciation and amortization - 5.99M 4.97M 4.70M 5.17M
Operating income 38.76M 24.22M 37.47M 46.38M 33.82M
Other operating expenses 152.34M 195.67M 175.75M 172.68M -120.20M
Interest expense 16.33M 0.00M 0.12M 3.48M 1.17M
Tax provision 7.65M 5.05M 7.22M 8.00M 5.22M
Interest income 97.57M 88.05M 80.51M 58.84M 44.33M
Net interest income 81.24M 67.79M 66.79M 58.84M 44.33M
Income tax expense 7.65M 5.05M 7.30M 8.00M 5.22M
Total revenue 191.10M 219.89M 213.23M 183.83M 154.02M
Total operating expenses 152.34M 163.44M 149.67M 139.58M -120.20M
Cost of revenue 13.86M 32.23M 26.09M 33.10M 28.17M
Total other income expense net 7.65M -0.00M -0.12M -3.48M 136.82M
Net income from continuing ops 31.11M 19.17M 30.93M 34.90M 28.60M
Net income applicable to common shares - - - 34.90M 28.60M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2606.02M 2395.08M 2478.62M 2573.02M 2554.90M
Intangible assets 19.89M 5.01M 3.35M 4.13M 2.56M
Other current assets -276.85M 208.53M -483.12M -179.95M 155.50M
Total liab 2363.03M 2166.05M 2248.81M 2366.70M 1050.40M
Total stockholder equity 243.00M 229.03M 229.81M 206.32M 245.80M
Other current liab -0.83M 953.84M -1.33M -1067.60M -1050.40M
Common stock 7.75M 7.75M 7.75M 7.75M 7.75M
Capital stock 7.75M 7.75M 7.75M 7.75M 7.75M
Retained earnings 167.09M 148.49M 145.78M 131.68M 112.22M
Other liab - - - 41.49M 66.76M
Good will 16.16M 21.35M 17.31M 17.31M 14.26M
Other assets 1324.22M 2395.08M 1944.76M 546.03M 155.50M
Cash 392.27M 349.73M 20.91M 200.94M 12.30M
Total current liabilities 1124.86M 2105.81M 1071.37M 1067.60M 1050.40M
Net debt -387.76M -342.30M -12.43M -200.94M -12.30M
Short term debt 0.83M 2.69M 1.33M - -
Short long term debt total 4.51M 7.43M 8.48M - -
Other stockholder equity 94.90M 117.98M 123.74M 126.21M 125.37M
Property plant equipment - - - 29.16M 22.53M
Total current assets 1232.46M 1682.76M 483.12M 1051.19M 1188.38M
Long term investments 770.77M 528.02M 627.12M 754.47M 1176.08M
Net tangible assets - - - 184.89M 230.60M
Short term investments 770.77M 528.02M 351.56M 934.41M 1176.08M
Net receivables 1117.05M 1124.50M 110.65M 95.78M 948.53M
Inventory - - 0.00M - -
Accounts payable 1124.86M 1149.28M 1071.37M 1067.60M 1050.40M
Accumulated other comprehensive income -26.75M -45.19M -47.47M -59.32M 0.45M
Common stock total equity - - - - 7.75M
Retained earnings total equity - - - - 112.22M
Treasury stock - - - - -78.90M
Non currrent assets other -770.77M 116.77M 308.31M 179.95M -1211.02M
Non current assets total 49.34M 712.32M 50.75M 975.81M 1211.02M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -222.31M 3.95M 137.72M -306.39M -333.50M
Change to liabilities - - - 0.00M -1.60M
Total cashflows from investing activities -145.28M 3.95M 284.66M -306.39M -528.52M
Net borrowings - - - - 215.02M
Total cash from financing activities 150.38M -65.64M -150.07M -59.20M 338.37M
Change to operating activities - - - -2.48M -1.81M
Net income 35.12M 19.17M 30.06M 34.90M 28.60M
Change in cash 42.54M -22.74M 171.53M -313.99M -155.60M
Begin period cash flow 349.73M 372.47M 200.94M 514.93M 670.53M
End period cash flow 392.27M 349.73M 372.47M 200.94M 514.93M
Total cash from operating activities 37.44M 38.95M 36.94M 51.61M 34.55M
Depreciation 7.20M 5.99M 4.97M 4.70M 5.17M
Other cashflows from investing activities -145.28M -80.29M 163.50M -6.35M -121.98M
Dividends paid 16.51M 16.46M 15.96M -15.44M -15.45M
Change to inventory - - -3.77M - -215.02M
Change to account receivables -0.32M -3.34M -3.84M -2.52M -0.60M
Sale purchase of stock -25.99M -7.25M -5.77M -5.30M -31.00M
Other cashflows from financing activities 192.88M -41.93M -128.34M -38.46M 384.81M
Change to netincome - - - 16.28M 2.98M
Capital expenditures 5.66M 9.33M 14.32M 5.87M 4.37M
Change receivables - - - - -0.60M
Cash flows other operating - - - - -0.05M
Cash and cash equivalents changes - - - - -155.60M
Change in working capital -6.68M 7.59M -2.77M -4.28M -2.21M
Stock based compensation 4.19M 3.17M 4.14M 6.73M 2.86M
Other non cash items 4.81M 4.08M 0.82M 10.71M 0.82M
Free cash flow 31.77M 29.62M 22.61M 45.74M 30.18M

Peer Comparison*

Sector: Industrials Industry: Specialty Business Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CASS
Cass Information Systems Inc		 0.01
0.03%		 55.41 20.71 18.62 3.02 2.54 3.40
CTAS
Cintas Corporation		 2.63
1.16%		 229.89 37.19 33.11 6.39 14.93 6.73
RELX
Relx PLC ADR		 0.12
0.31%		 40.23 20.25 16.16 6.12 37.10 5.55
RLXXF
Relx PLC		 -
-%		 40.00 20.12 15.38 6.08 35.32 5.43
TRI
Thomson Reuters Corporation Common Shares		 0.50
0.46%		 109.33 27.00 20.92 5.68 4.12 6.20

Profile*

Cass Information Systems Inc

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-based ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri.

12444 Powerscourt Drive, Saint Louis, MO, United States, 63131

314 506 5500

https://www.cassinfo.com

860

Name Title Year Born
Mr. Eric H. Brunngraber Chairman & CEO 1957
Mr. Martin H. Resch Pres & COO 1966
Mr. Michael James Normile Exec. VP & CFO 1951
Mr. James M. Cavellier Jr. Exec. VP & Chief Information Officer 1969
Mr. Dwight D. Erdbruegger Pres of Cass Commercial Bank 1959
Mr. Matthew Steven Schuckman Exec. VP, Gen. Counsel & Corp. Sec. 1974
Christi A. Reiter VP of HR NA
Mr. Mark A. Campbell Pres of Transportation Information Services 1963
Jeanne M. Scannell Chief Credit Officer of Cass Commercial Bank NA
Anthony G. Urban Exec. VP of Transportation Information Services NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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