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Company Analysis

Cass Information Systems, Inc CASS

A comprehensive view of key metrics, scores, and financial health for Cass Information Systems, Inc

Overview of Cass Information Systems, Inc.

CASS NMS
Industrials Specialty Business Services Small Cap
Cass Information Systems, Inc. (CASS), is a Small Cap company, in the Specialty Business Services industry, last closed at $44.39, about 42.1% overvalued vs fair value, +2.4% 1Y return, placing in the top 25% of its sector.
$44.39
-0.72%
As of March 13, 2026
Previous close • Vol 90d: 23.5%
52-Week Range
Market Cap
$580.81M
Enterprise Value
$197.08M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.cassinfo.com
HQ Saint Louis, MO
Employees 1,000
Fiscal year Dec 31

Next Events

Earnings Apr 16 Estimated

Fair Value Snapshot

Bear Base Bull
$23
$26
$29
Current: $44.39 -42% vs base

Engine Room Money Flow™

Small Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$191.1M
0.5%%
Gross Profit
$191.1M
1.8%%
Operating Income
$38.8M
60%%
Net Income
$35.1M
83.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
84.3%
Good

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$23.7M
80.1% of FCF

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
3
Active Leaks
0/3
Improving
1
High Impact
0
Critical
Locked Leak
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Locked Leak
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Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Cass Information Systems, Inc's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
71
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Strong
83
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 87% Coverage
Trade-Off Triangle Visualization A ternary plot showing CASS's balance between Growth (30.3%), Profitability (45.4%), and Safety (24.3%). Growth 30% Safety 24% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

50th percentile vs peers
50
Key Signals
EPS Growth YoY 87.5% 80p Rev Growth YoY 0.4% 43p Revenue CAGR 3Y 2.8% 37p TSR 17.4% 76p EPS CAGR 3Y 1.1% 28p
Strengths
  • Eps Growth Yoy in top 20% of peers (87.5%, 80th percentile)
  • Gross Profit Margin in top 20% of peers (1.00, 97th percentile)
  • Consistently strong margins across 7 metrics
Risks

No significant risks identified for this axis.

Profitability

75th percentile vs peers
75
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Cass Information Systems, Inc.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$25.70
- - -
-42.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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