Cass Information Systems Inc (CASS)

Cass Information Systems, Inc. is a U.S.-based financial services company listed on NASDAQ under the symbol CASS. As a common equity security, it represents ownership in an operating business that focuses on payment and information processing for manufacturing, distribution, and retail customers. The company operates through two segments: Information Services and Banking Services. Its information services activities include freight invoice rating, invoice auditing, payment processing, and the delivery of accounting and transportation data, along with processing invoices tied to facility expenses such as utilities, waste, and telecommunications. Cass also provides telecom expense management, church management software, and online giving tools for faith-based and nonprofit organizations. Through Cass Commercial Bank, it offers deposit products, commercial lending, and cash management services, and it also supports clients with a B2B payment platform. Founded in 1906 and headquartered in Saint Louis, Missouri, the company previously operated as Cass Commercial Corporation before adopting its current name in 2001.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CASS
$58.93
7.5% Upside
Fair
$61
11.3% Upside
Fair
Good
2.3%
January 28, 2027
18.4x
3.1x
3.2x
702.2 M
446.3 M
0.0%
87.8%
0.4
44.8%
114.1%
Valuation • Fair Value

Cass Information Systems Inc (NASDAQ-CASS) Fair Value by Valuation Model

Review the available estimates for Cass Information Systems Inc (NASDAQ-CASS), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$58.93

Estimated upside of 7.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$32.99

Classic Ben Graham valuation formula reference.

DDM Fair Value

$79.87

Dividend discount model valuation reference.

Comps Fair Value

$44.97

Comparable-company valuation reference.

Analyst Price Target

$61

Analysts imply upside of 11.3%.

How to read these valuation models

Use the 6 available valuation references for Cass Information Systems Inc (NASDAQ-CASS) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Cass Information Systems Inc (NASDAQ-CASS)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

217.3 M

Current operating scale indicator.

Revenue Forecast

204.8 M

Forward revenue estimate.

EBITDA

71.121 M

Current operating profitability reference.

EBITDA Forecast

58.543 M

Forward operating profitability estimate.

How to read profitability and growth

This section helps investors review Cass Information Systems Inc (NASDAQ-CASS) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Cass Information Systems Inc (NASDAQ-CASS)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

8

Relatively strong quality score.

Beneish M-Score

-2.47

No elevated caution signal from this screen.

Altman Z-Score

0.4

Lower score that deserves closer risk review.

FCF / Net Income

114.1%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Cass Information Systems Inc (NASDAQ-CASS). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Cass Information Systems Inc (NASDAQ-CASS)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

January 28, 2027

Days to Earnings

96

Dividend Yield

2.3%

Current income yield reference.

Payout Ratio

44.8%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Cass Information Systems Inc (NASDAQ-CASS), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Cass Information Systems Inc (NASDAQ-CASS) Stock Forecast & Technical Outlook

Review Cass Information Systems Inc (NASDAQ-CASS) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Neutral

The 15-minute technical read for Cass Information Systems Inc (NASDAQ-CASS) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Sell

The 1-hour technical read for Cass Information Systems Inc (NASDAQ-CASS) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Cass Information Systems Inc (NASDAQ-CASS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Cass Information Systems Inc (NASDAQ-CASS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Cass Information Systems Inc (NASDAQ-CASS) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Cass Information Systems Inc (NASDAQ-CASS)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Cass Information Systems Inc (NASDAQ-CASS) has a Hold consensus, with 0 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 2
Sell 0
FAQ • Fast Investor Answers

Cass Information Systems Inc (NASDAQ-CASS) Stock FAQ

Data-supported answers about Cass Information Systems Inc (NASDAQ-CASS), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$58.93
Estimated upside 7.5%
Valuation Rating
Undervalued
Estimated upside of 7.5%
Analyst Target
$61
Implied upside 11.3%
Financial Health
Good
Current financial-health read

The current fair value estimate for Cass Information Systems Inc (NASDAQ-CASS) is $58.93. This implies an estimated upside of 7.5% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 7.5% versus the current market price.

The available analyst price target for Cass Information Systems Inc (NASDAQ-CASS) is $61. The analyst target implies estimated upside of 11.3%.

The current financial health read for Cass Information Systems Inc (NASDAQ-CASS) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Cass Information Systems Inc (NASDAQ-CASS) is January 28, 2027.

Based on the current data, dividend yield is 2.3%.

The current P/E ratio listed for Cass Information Systems Inc (NASDAQ-CASS) is 18.4x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Cass Information Systems Inc is 702.2 M.

The current enterprise value listed for Cass Information Systems Inc is 446.3 M. Enterprise value can provide a broader valuation view than market capitalization alone because it also considers net debt.

The ticker symbol for Cass Information Systems Inc is NASDAQ-CASS, and the stock is listed on NASDAQ.

Cass Information Systems Inc (NASDAQ-CASS) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Cass Information Systems Inc is 0.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Cass Information Systems Inc is 87.8%. Free float helps investors understand how much of the share base is available for public trading.