Cass Information Systems, Inc. (CASS), Discounted Cash Flow Valuation

Cass Information Systems, Inc. (CASS) Profile

US | Industrials | Specialty Business Services | NASDAQ
39.48 -0.20 (-0.50%)
Real-Time Price (USD)
Market Cap A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
531.59M
Revenue (ttm) The total amount of income generated by the sale of goods or services related to the company's primary operations.
182.4M
Net Income (ttm) The company's earnings for a period net of operating costs, taxes and interest.
19.17M
Shares Out Total number of common shares outstanding as of the latest date disclosed in a financial filing.
13.72M
EPS (ttm) Company's net earnings or losses from continuing operations on a per diluted share basis.
1.38
PE Ratio The price-to-earnings (PE) ratio is the ratio between a company's stock price and earnings per share. It measures the price of a stock relative to its profits.
28.82
Dividend Yield Measures the cash returned to shareholders by a firm as a percentage of the price they pay for each share of stock.
2.98%
Exchange Name of stock exchange where the trading item trades.
NASDAQ
Avg Volume The average number of shares traded each day over the past 30 days.
42.84K
Open The opening trade price over the trading day.
39.91
Previous Close The last closing price.
39.68
Beta A ratio that measures the risk or volatility of a company's share price in comparison to the market as a whole.
0.51
1 day delta The range between the high and low prices over the past day.
38.3-40.32
52 weeks The range between the high and low prices over the past 52 weeks.
37.99-47.14

Total Valuation

Cass Information Systems, Inc. has a market cap or net worth of 531.59M. The enterprise value is 181.86M.
Market Cap (ttm) Market Capitalization
A valuation method that multiplies the price of a company's shares by the total number of outstanding shares.
531.59M
Enterprise Value (ttm) Enterprise Value
Enterprise value measures the total value of a company's outstanding shares, adjusted for debt and levels of cash and short-term investments.
Enterprise Value = Market Cap + Total Debt - Cash & Equivalents - Short-Term Investments
181.86M

Valuation Ratios

The trailing PE ratio is 27.67. Cass Information Systems, Inc.'s PEG ratio is -1.68.
PE Ratio (ttm) PE Ratio
The price-to-earnings (P/E) ratio is a valuation metric that shows how expensive a stock is relative to earnings.
PE Ratio = Stock Price / Earnings Per Share
27.67
PS Ratio (ttm) PS Ratio
The price-to-sales (P/S) ratio is a commonly used valuation metric. It shows how expensive a stock is compared to revenue.
PS Ratio = Market Capitalization / Revenue
2.91
PB Ratio (ttm) PB Ratio
The price-to-book (P/B) ratio measures a stock's price relative to book value. Book value is also called Shareholders' equity.
PB Ratio = Market Capitalization / Shareholders' Equity
2.32
P/FCF Ratio (ttm) P/FCF Ratio
The price to free cash flow (P/FCF) ratio is similar to the P/E ratio, except it uses free cash flow instead of accounting earnings.
P/FCF Ratio = Market Capitalization / Free Cash Flow
14.19
PEG Ratio (ttm) PEG Ratio
The price/earnings to growth (PEG) ratio is calculated by dividing a company's PE ratio by its expected earnings growth.
PEG Ratio = PE Ratio / Expected Earnings Growth
-1.68

Enterprise Valuation

The stock's EV/EBITDA ratio is -6.25, with a EV/FCF ratio of 4.85.
EV / Sales (ttm) EV / Sales Ratio
The enterprise value to sales (EV/Sales) ratio is similar to the price-to-sales ratio, but the price is adjusted for the company's debt and cash levels.
EV/Sales Ratio = Enterprise Value / Revenue
1
EV / EBITDA (ttm) EV / EBIT Ratio
The EV/EBITDA ratio measures a company's valuation relative to its EBITDA, or Earnings Before Interest, Taxes, Depreciation, and Amortization.
EV/EBITDA Ratio = Enterprise Value / EBITDA
-6.25
EV / EBIT (ttm) EV/EBIT Ratio
The EV/EBIT is a valuation metric that measures a company's price relative to EBIT, or Earnings Before Interest and Taxes.
EV/EBIT Ratio = Enterprise Value / EBIT
4.67
EV / FCF (ttm) EV/FCF Ratio
The enterprise value to free cash flow (EV/FCF) ratio is similar to the price to free cash flow ratio, except the price is adjusted for the company's cash and debt.
EV/FCF Ratio = Enterprise Value / Free Cash Flow
4.85

Financial Efficiency

Return on equity (ROE) is 8.28% and return on invested capital (ROIC) is 14.79%.
Return on Equity (ROE) (ttm) Return on Equity (ROE)
Return on equity (ROE) is a profitability metric that shows how efficient a company is at using its equity (or "net" assets) to generate profits. It is calculated by dividing the company's net income by the average shareholders' equity over the past 12 months.
ROE = (Net Income / Average Shareholders' Equity) * 100%
8.28%
Return on Assets (ROA) (ttm) Return on Assets (ROA)
Return on assets (ROA) is a metric that measures how much profit a company is able to generate using its assets. It is calculated by dividing net income by the average total assets for the past 12 months.
ROA = (Net Income / Average Total Assets) * 100%
0.80%
Return on Capital (ROIC) (ttm) Return on Capital (ROIC)
Return on invested capital (ROIC) measures how effective a company is at investing its capital in order to increase profits. It is calculated by dividing the EBIT (Earnings Before Interest & Taxes) by the average invested capital in the previous year.
ROIC = (EBIT / Average Invested Capital) * 100%
14.79%
Asset Turnover Asset Turnover
The asset turnover ratio measures the amount of sales relative to a company's assets. It indicates how efficiently the company uses its assets to generate revenue.
Asset Turnover Ratio = Revenue / Average Assets
0.08
Inventory Turnover (ttm) Inventory Turnover
The inventory turnover ratio measures how many times inventory has been sold and replaced during a time period.
Inventory Turnover Ratio = Cost of Revenue / Average Inventory
0

Margins

Trailing 12 months gross margin is 85.28%, with operating and profit margins of -14.83% and 10.51%.
Gross Margin (ttm) Gross Margin
Gross margin is the percentage of revenue left as gross profits, after subtracting cost of goods sold from the revenue.
Gross Margin = (Gross Profit / Revenue) * 100%
85.28%
Operating Margin (ttm) Operating Margin
Operating margin is the percentage of revenue left as operating income, after subtracting cost of revenue and all operating expenses from the revenue.
Operating Margin = (Operating Income / Revenue) * 100%
-14.83%
Pretax Margin (ttm) Pretax Margin
Pretax margin is the percentage of revenue left as profits before subtracting taxes.
Pretax Margin = (Pretax Income / Revenue) * 100%
13.28%
Profit Margin (ttm) Profit Margin
Profit margin is the percentage of revenue left as net income, or profits, after subtracting all costs and expenses from the revenue.
Profit Margin = (Net Income / Revenue) * 100%
10.51%
EBITDA Margin (ttm) EBITDA Margin
EBITDA margin is the percentage of revenue left as EBITDA, after subtracting all expenses except interest, taxes, depreciation and amortization from revenue.
EBITDA Margin = (EBITDA / Revenue) * 100%
-15.94%

Income Statement

In the last 12 months, Cass Information Systems, Inc. had revenue of 182.4M and earned 19.17M in profits. Earnings per share (EPS) was 1.38.
Revenue (ttm) Revenue
Revenue is the amount of money a company receives from its main business activities, such as sales of products or services. Revenue is also called sales.
182.4M
Gross Profit (ttm) Gross Profit
Gross profit is a company’s profit after subtracting the costs directly linked to making and delivering its products and services.
Gross Profit = Revenue - Cost of Revenue
155.54M
Operating Income (ttm) Operating Income
Operating income is the amount of profit in a company after paying for all the expenses related to its core operations.
Operating Income = Revenue - Cost of Revenue - Operating Expenses
-27.04M
Pretax Income (ttm) Pretax Income
Pretax income is a company's profits before accounting for income taxes.
Pretax Income = Net Income + Income Taxes
24.22M
Net Income (ttm) Net Income
Net income is a company's accounting profits after subtracting all costs and expenses from the revenue. It is also called earnings, profits or "the bottom line"
Net Income = Revenue - All Expenses
19.17M
EBITDA (ttm) EBITDA
EBITDA stands for "Earnings Before Interest, Taxes, Depreciation and Amortization." It is a commonly used measure of profitability.
EBITDA = Net Income + Interest + Taxes + Depreciation and Amortization
-29.08M
EBIT (ttm) EBIT
EBIT stands for "Earnings Before Interest and Taxes" and is a commonly used measure of earnings or profits. It is similar to operating income.
EBIT = Net Income + Interest + Taxes
-35.07M
Earnings Per Share (EPS) (ttm) EPS (Diluted)
Earnings per share is the portion of a company's profit that is allocated to each individual stock. Diluted EPS is calculated by dividing net income by "diluted" shares outstanding.
Diluted EPS = Net Income / Shares Outstanding (Diluted)
1.38

Financial Position

The company has a trailing 12 months (ttm) current ratio of 0.82, with a ttm Debt / Equity ratio of 0.
Current Ratio (ttm) Current Ratio
The current ratio is used to measure a company's short-term liquidity. A low number can indicate that a company will have trouble paying its upcoming liabilities.
Current Ratio = Current Assets / Current Liabilities
0.82
Quick Ratio (ttm) Quick Ratio
The quick ratio measure a company's short-term liquidity. A low number indicates that the company may have trouble paying its upcoming financial obligations.
Quick Ratio = (Cash + Short-Term Investments + Accounts Receivable) / Current Liabilities
0.82
Debt / Equity (ttm) Debt / Equity Ratio
The debt-to-equity ratio measures a company's debt levels relative to its shareholders' equity or book value. A high ratio implies that a company has a lot of debt.
Debt / Equity Ratio = Total Debt / Shareholders' Equity
0
Debt / EBIT (ttm) Debt / EBIT Ratio
The debt-to-EBIT ratio is a company's debt levels relative to its trailing twelve-month EBIT. A high ratio implies that debt is high relative to the company's earnings.
Debt / EBIT Ratio = Total Debt / EBIT (ttm)
-0.9

Dividends & Yields

This stock pays an annual dividend of 1.22, which amounts to a dividend yield of 3.09%.
Dividend Per Share (ttm) Dividend Per Share
Total amount paid to each outstanding share in dividends during the period.
1.22
Dividend Yield (ttm) Dividend Yield
The dividend yield is how much a stock pays in dividends each year, as a percentage of the stock price.
Dividend Yield = (Annual Dividends Per Share / Stock Price) * 100%
3.09%
Earnings Yield (ttm) Earnings Yield
The earnings yield is a valuation metric that measures a company's profits relative to stock price, expressed as a percentage yield. It is the inverse of the P/E ratio.
Earnings Yield = (Earnings Per Share / Stock Price) * 100%
3.61%
FCF Yield (ttm) FCF Yield
The free cash flow (FCF) yield measures a company's free cash flow relative to its price, shown as a percentage. It is the inverse of the P/FCF ratio.
FCF Yield = (Free Cash Flow / Market Cap) * 100%
7.05%
Dividend Growth (YoY) Dividend Growth
The change in dividend payments per share, compared to the previous period.
Dividend Growth = ((Current Dividend / Previous Dividend) - 1) * 100%
5.35%
Payout Ratio (ttm) Payout Ratio
The payout ratio is the percentage of a company's profits that are paid out as dividends. A high ratio implies that the dividend payments may not be sustainable.
Payout Ratio = (Dividends Per Share / Earnings Per Share) * 100%
85.89%

Balance Sheet

The company has 349.73M in cash and 0 in debt, giving a net cash position of 349.73M.
Cash & Cash Equivalents Cash & Cash Equivalents
Cash and cash equivalents is the sum of "Cash & Equivalents" and "Short-Term Investments." This is the amount of money that a company has quick access to, assuming that the cash equivalents and short-term investments can be sold at a short notice.
Cash & Cash Equivalents = Cash & Equivalents + Short-Term Investments
349.73M
Total Debt Total Debt
Total debt is the total amount of liabilities categorized as "debt" on the balance sheet. It includes both current and long-term (non-current) debt.
Total Debt = Current Debt + Long-Term Debt
0
Net Cash Net Cash / Debt
Net Cash / Debt is an indicator of the financial position of a company. It is calculated by taking the total amount of cash and cash equivalents and subtracting the total debt.
Net Cash / Debt = Total Cash - Total Debt
349.73M
Book Value Shareholders' Equity
Shareholders’ equity is also called book value or net worth. It can be seen as the amount of money held by investors inside the company. It is calculated by subtracting all liabilities from all assets.
Shareholders' Equity = Total Assets - Total Liabilities
229.03M
Book Value Per Share (ttm) Book Value Per Share
Book value per share is the total amount of book value attributable to each individual stock. It is calculated by dividing book value (shareholders' equity) by the number of outstanding shares.
Book Value Per Share = Book Value / Shares Outstanding
17.05
Working Capital (ttm) Working Capital
Working capital is the amount of money available to a business to conduct its day-to-day operations. It is calculated by subtracting total current liabilities from total current assets.
Working Capital = Current Assets - Current Liabilities
-205.25M

Cash Flow

In the last 12 months, operating cash flow of the company was 38.95M and capital expenditures -1.48M, giving a free cash flow of 37.47M.
Operating Cash Flow (ttm) Operating Cash Flow
Operating cash flow, also called cash flow from operating activities, measures the amount of cash that a company generates from normal business activities. It is the amount of cash left after all cash income has been received, and all cash expenses have been paid.
38.95M
Capital Expenditures (ttm) Capital Expenditures
Capital expenditures are also called payments for property, plants and equipment. It measures cash spent on long-term assets that will be used to run the business, such as manufacturing equipment, real estate and others.
-1.48M
Free Cash Flow (ttm) Free Cash Flow
Free cash flow is the cash remaining after the company spends on everything required to maintain and grow the business. It is calculated by subtracting capital expenditures from operating cash flow.
Free Cash Flow = Operating Cash Flow - Capital Expenditures
37.47M
FCF Per Share (ttm) Free Cash Flow Per Share
Free cash flow per share is the amount of free cash flow attributed to each outstanding stock.
FCF Per Share = Free Cash Flow / Shares Outstanding
2.79

Cass Information Systems, Inc. News

Apr 17, 2025 - zacks.com
Cass Information Systems (CASS) Beats Q1 Earnings Estimates
Cass Information Systems (CASS) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.60 per share. This compares to earnings of $0.52 per share a year ago....[read more]
Apr 17, 2025 - businesswire.com
Cass Information Systems Reports First Quarter 2025 Results
ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS), (the Company or Cass) reported first quarter 2025 earnings of $0.66 per diluted share, as compared to $0.52 in the first quarter of 2024 and $0.33 in the fourth quarter of 2024. Net income for the period was $9.0 million, an increase of 25.4% from $7.2 million in the same period in 2024 and an increase of $4.4 million, or 95.2%, as compared to the fourth quarter of 2024. First Quarter Results All comparisons refer to the....[read more]
Apr 8, 2025 - zacks.com
Is the Options Market Predicting a Spike in Cass Information Systems (CASS) Stock?
Investors need to pay close attention to Cass Information Systems (CASS) stock based on the movements in the options market lately....[read more]
Apr 8, 2025 - businesswire.com
Cass Information Systems Sells Telecom Expense Management Business to Asignet
ST. LOUIS--(BUSINESS WIRE)--Cass Information Systems, Inc. (Nasdaq: CASS), (the Company or Cass) has entered into an Asset Purchase Agreement to sell its Telecom Expense Management & Managed Mobility Services (TEM) business to Asignet USA Inc. (Asignet), a market-leading hyper-automation IT expense management provider. Martin Resch, the Company's President and Chief Executive Officer, said, “The sale of our TEM business is consistent with our strategy of focusing our capital investments on....[read more]
Mar 31, 2025 - zacks.com
Are Computer and Technology Stocks Lagging Cass Information Systems (CASS) This Year?
Here is how Cass Information Systems (CASS) and Domo (DOMO) have performed compared to their sector so far this year....[read more]
Mar 13, 2025 - zacks.com
Is Cass Information Systems (CASS) Stock Outpacing Its Computer and Technology Peers This Year?
Here is how Cass Information Systems (CASS) and Domo (DOMO) have performed compared to their sector so far this year....[read more]
Mar 3, 2025 - prnewswire.com
Cass Information Systems CEO Discusses Invoice Fraud and Payment Issues on Today's Marketplace
NEW YORK , March 3, 2025 /PRNewswire/ -- Today's Marketplace (TMP) is proud to announce a featured interview with Martin Resch , President & CEO of Cass Information Systems (NASDAQ: CASS), and Anthony R. Hendrickson, PH.D, Dean of the Heider College of Business, Creighton University....[read more]
Feb 25, 2025 - zacks.com
Is Cass Information Systems (CASS) Outperforming Other Computer and Technology Stocks This Year?
Here is how Cass Information Systems (CASS) and BlackBerry (BB) have performed compared to their sector so far this year....[read more]
Feb 6, 2025 - zacks.com
Are Computer and Technology Stocks Lagging Cass Information Systems (CASS) This Year?
Here is how Cass Information Systems (CASS) and DoorDash, Inc. (DASH) have performed compared to their sector so far this year....[read more]
Jan 23, 2025 - zacks.com
Cass Information Systems (CASS) Q4 Earnings Lag Estimates
Cass Information Systems (CASS) came out with quarterly earnings of $0.33 per share, missing the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.61 per share a year ago....[read more]

Cass Information Systems, Inc. Details

Country US
City Saint Louis
Address 12444 Powerscourt Drive
Ticker Symbol CASS
Exchange NASDAQ Global Select
IPO Date Jul 2, 1996
CEO Mr. Martin H. Resch
Sector Industrials
Industry Specialty Business Services
Employees 1.01K

Cass Information Systems, Inc. Company Description

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as checking, savings, and time deposit accounts; commercial, industrial, and real estate loans; and cash management services to privately-owned businesses and faith-related 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 leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.

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