Cass Information Systems, Inc. logo

Cass Information Systems, Inc.

CASS

NASDAQIndustrialsSpecialty Business Services

Previous close

$56.40

−$0.49 · -0.86%

Aug 21, 4:00 PM ET

CASS company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

92

Deep Value

Momentum

56

Neutral

Sentiment

67

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

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 processing, and auditing of freight invoices, alongside the production of crucial accounting and transportation data. This division also expertly handles the payment and management of various facility expenses, such as utility bills for electricity, natural gas, and waste, as well as offering comprehensive telecommunications expense management. The Banking Services segment, powered by its subsidiary Cass Commercial Bank, offers a full range of financial products. These include standard checking, savings, and time deposit accounts, in addition to commercial, industrial, and real estate lending. Cash management services are also provided, primarily serving privately-owned businesses and religious organizations. Furthermore, Cass extends its offerings with a modern B2B payment platform, tailored for clients in search of a flexible financial technology partner. Established in 1906, Cass Information Systems, Inc. is headquartered in St. Louis, Missouri, where its main banking facility is located. The company also maintains an operating branch in Bridgeton, Missouri, and leased facilities in Fenton, Missouri, and Colorado Springs, Colorado. It adopted its current name in January 2001, having previously been known as Cass Commercial Corporation.

Industry
Specialty Business Services
Sector
Industrials
Headquarters
US
CEO
Martin H. Resch
Listed since
Jul 2, 1996
Employees
910

Market position

Day range

Current $56.40

52-week range

Current $56.40

Open
$56.98
Previous close
$56.89
Volume
113.07K
1.38× average
Average volume
81.74K
Average daily volume
Market cap
725.93M USD
Beta
0.42
Market reference 1
50-day average
$53.7014
+5.03% above average
200-day average
$46.7152
+20.73% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
159.56M USD
EV / EBITDA
3.47×
Earnings yield
6.42%
Free cash flow yield
5.81%

Profitability & efficiency

Return on equity
14.45%
Return on assets
1.35%
Return on invested capital
19.72%

Financial health

Current ratio
1.1×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends109%73%36%-0%Gross margin, FY2021: 92.58%Gross margin, FY2022: 93.12%Gross margin, FY2023: 87.77%Gross margin, FY2024: 85.34%Gross margin, FY2025: 100.00%Operating margin, FY2021: 21.79%Operating margin, FY2022: 22.90%Operating margin, FY2023: 17.57%Operating margin, FY2024: 11.01%Operating margin, FY2025: 20.28%Net margin, FY2021: 18.43%Net margin, FY2022: 18.63%Net margin, FY2023: 14.10%Net margin, FY2024: 8.72%Net margin, FY2025: 18.38%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 92.58%. Gross margin FY2022 93.12%. Gross margin FY2023 87.77%. Gross margin FY2024 85.34%. Gross margin FY2025 100.00%. Operating margin FY2021 21.79%. Operating margin FY2022 22.90%. Operating margin FY2023 17.57%. Operating margin FY2024 11.01%. Operating margin FY2025 20.28%. Net margin FY2021 18.43%. Net margin FY2022 18.63%. Net margin FY2023 14.10%. Net margin FY2024 8.72%. Net margin FY2025 18.38%.

Income trends

Revenue

191.1M USD-13.10%

Operating income

38.76M USD+60.03%

Net income

35.12M USD+83.20%
Income trends across reported periods239.97M USD159.68M USD79.39M USD−904.6K USDRevenue, FY2021: 155.19M USDRevenue, FY2022: 187.31M USDRevenue, FY2023: 213.23M USDRevenue, FY2024: 219.89M USDRevenue, FY2025: 191.1M USDOperating income, FY2021: 33.82M USDOperating income, FY2022: 42.9M USDOperating income, FY2023: 37.47M USDOperating income, FY2024: 24.22M USDOperating income, FY2025: 38.76M USDNet income, FY2021: 28.6M USDNet income, FY2022: 34.9M USDNet income, FY2023: 30.06M USDNet income, FY2024: 19.17M USDNet income, FY2025: 35.12M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 155.19M USD. Revenue FY2022 187.31M USD. Revenue FY2023 213.23M USD. Revenue FY2024 219.89M USD. Revenue FY2025 191.1M USD. Operating income FY2021 33.82M USD. Operating income FY2022 42.9M USD. Operating income FY2023 37.47M USD. Operating income FY2024 24.22M USD. Operating income FY2025 38.76M USD. Net income FY2021 28.6M USD. Net income FY2022 34.9M USD. Net income FY2023 30.06M USD. Net income FY2024 19.17M USD. Net income FY2025 35.12M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue191.1M USD219.89M USD213.23M USD187.31M USD155.19M USD
Cost of goods sold32.23M USD26.09M USD12.88M USD11.52M USD
Gross profit191.1M USD187.66M USD187.14M USD174.42M USD143.67M USD
Operating expenses152.34M USD163.44M USD149.67M USD131.52M USD109.85M USD
Interest income81.24M USD88.05M USD82.76M USD62.33M USD45.5M USD
Interest expense1K USD116K USD
Depreciation and amortization7.2M USD5.99M USD4.97M USD4.7M USD5.17M USD
Operating income38.76M USD24.22M USD37.47M USD42.9M USD33.82M USD
Net income35.12M USD19.17M USD30.06M USD34.9M USD28.6M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
45%
5 beats, 6 misses, 0 met estimates
Average EPS surprise
-11.70%
11 comparable reports
Latest EPS result
0.71
Estimate 0.72 · Miss by 1.39%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.840.660.470.29Q1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.33, estimate 0.43, surprise -23.26%, Miss. Q2 2025, reported Apr 17, 2025: actual 0.63, estimate 0.6, surprise +5.00%, Beat. Q3 2025, reported Jul 17, 2025: actual 0.38, estimate 0.72, surprise -47.22%, Miss. Q4 2025, reported Oct 23, 2025: actual 0.69, estimate 0.63, surprise +9.52%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.68, estimate 0.64, surprise +6.25%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.66, estimate 0.63, surprise +4.76%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.71, estimate 0.72, surprise -1.39%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.8, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates56.17M51.53M46.88M42.24MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 50.37M USD, estimate 50.46M USD, surprise -0.18%, Miss. Q2 2025, reported Apr 17, 2025: actual 47.31M USD, estimate 52.62M USD, surprise -10.08%, Miss. Q3 2025, reported Jul 17, 2025: actual 44.4M USD, estimate 48.12M USD, surprise -7.73%, Miss. Q4 2025, reported Oct 23, 2025: actual 54.01M USD, estimate 49.6M USD, surprise +8.90%, Beat. Q1 2026, reported Jan 22, 2026: actual 49.89M USD, estimate 49.6M USD, surprise +0.58%, Beat. Q2 2026, reported Apr 23, 2026: actual 49.1M USD, estimate 49.6M USD, surprise -1.01%, Miss. Q3 2026, reported Jul 23, 2026: actual 49.94M USD, estimate 51.02M USD, surprise -2.10%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 52.29M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Recent analyst actions

2 institutions

CASS peers

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