Cass Information Systems Inc (CASS)

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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 between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

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 Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend 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
$73.48
37.8% Upside
Undervalued
$54
1.2% Upside
Fair
Fair
1.28
2.4%
July 21, 2026
21.9x
2.8x
3.3x
687.8 M
591.5 M
17.8%
87.8%
0.4
47.1%
81.3%
Valuation • Fair Value

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

Compare the primary fair value estimate for Cass Information Systems Inc (NASDAQ-CASS) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$73.48

Estimated upside of 37.8% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$26.98

Classic Ben Graham valuation formula reference.

DDM Fair Value

$60.73

Dividend discount model valuation reference.

EPV Fair Value

$104.34

Earnings power value estimate.

Comps Fair Value

$72.59

Comparable-company valuation reference.

Analyst Price Target

$54

Analysts imply upside of 1.2%.

How to read these valuation models

Use this section to compare the primary fair value estimate for Cass Information Systems Inc (NASDAQ-CASS) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

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

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

209 M

Current operating scale indicator.

Revenue Forecast

205.6 M

Forward revenue estimate.

EBITDA

63.204 M

Current operating profitability reference.

EBITDA Forecast

58.76 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 financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range 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

81.3%

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 next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 21, 2026

Days to Earnings

0

Dividend Payment Date

Not available

Ex-Dividend Date

Not available

Dividend Yield

2.4%

Income yield reference.

Upcoming Dividend

1.28

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

47.1%

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
Sell

The 15-minute 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: 1-hour • short-term
Neutral

The 1-hour 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: 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, 1 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 1
Sell 0
FAQ Fast Investor Answers

Cass Information Systems Inc (NASDAQ-CASS) Stock FAQ

Quick answers about Cass Information Systems Inc (NASDAQ-CASS) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$73.48
Estimated upside 37.8%
Valuation Rating
Undervalued
Estimated upside of 37.8%
Analyst Target
$54
Implied upside 1.2%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Cass Information Systems Inc (NASDAQ-CASS) is $73.48. This implies an estimated upside of 37.8% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 37.8% versus the current market price.

The available analyst price target for Cass Information Systems Inc (NASDAQ-CASS) is $54. The analyst target implies estimated upside of 1.2%.

The current financial health read for Cass Information Systems Inc (NASDAQ-CASS) is Fair. 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 July 21, 2026.

Based on the current data, dividend yield is 2.4%, upcoming dividend amount is 1.28.

The current P/E ratio listed for Cass Information Systems Inc (NASDAQ-CASS) is 21.9x. 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 687.8 M.

The current enterprise value listed for Cass Information Systems Inc is 591.5 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 17.8%, 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.