-1.81%
2.69%
-3.13%
0.93%
-2.16%
-0.63%
-23.72%
AI Spotlight on CASS
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.
Market Data
| Last Price | 41.19 |
| Change Percentage | -1.81% |
| Open | 41.84 |
| Previous Close | 41.95 |
| Market Cap ( Millions) | 559 |
| Volume | 51776 |
| Year High | 50.25 |
| Year Low | 37.99 |
| M A 50 | 42.35 |
| M A 200 | 42.19 |
Financial Ratios
| FCF Yield | 4.10% |
| Dividend Yield | 2.94% |
| ROE | 8.28% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | 1319.08% |
| Price To Book | 2.42 |
| Price Earnings Ratio | 28.87 |
| Price To FCF | 24.38 |
| Price To sales | 3.06 |
| EV / EBITDA | -7.89 |
News
- Jan -23 - Cass Information Systems (CASS) Q4 Earnings Lag Estimates
- Jan -23 - Cass Information Systems Reports Fourth Quarter 2024 Results
- Jan -02 - Cass Information Systems Acquires AcuAudit Platform from Acuitive Solutions
- Dec -24 - Here's Why Cass (CASS) is Poised for a Turnaround After Losing -7.51% in 4 Weeks
- Nov -28 - 14 Upcoming Dividend Increases, Including A King
- Nov -14 - Cass Information Systems Forms Strategic Partnership with Brazilian Firm Lupeon to Drive Global Growth
- Nov -13 - Cass Information Systems: Safe Dividend But Efficiency Needs Urgent Improvement
- Oct -17 - Cass Information Systems (CASS) Lags Q3 Earnings Estimates
- Oct -05 - The Magnificent Global Plastic and Reconstructive Surgeon ‘Dr. Chukwuemeka Onyewu’ Unveiled as the Latest UncutXtra Magazine Cover Star
- Oct -02 - Cass Information Systems Receives GSA Multiple Award Schedule Contract for Freight Audit and Payment
- Jul -19 - Is the Options Market Predicting a Spike in Cass Information Systems (CASS) Stock?
- Jul -18 - Cass Information Systems (CASS) Q2 Earnings and Revenues Miss Estimates
- Jun -04 - Regal Rexnord Unveils Next Generation of Perceptiv™ Intelligent Solutions for Industrial Manufacturing
- Jun -04 - Cass Information Systems, Inc. and FreightWaves SONAR Announce Partnership for Supply Chain Intelligence
- May -29 - New Strong Sell Stocks for May 29th
- May -23 - A Legacy of Strength and Stability: Cass Commercial Bank Marks 118th Anniversary
- May -20 - April Cass Data Shows No Improvement in Freight Demand
- Apr -18 - Cass Information Systems (CASS) Lags Q1 Earnings and Revenue Estimates
- Apr -18 - Cass Information Systems Reports First Quarter 2024 Results
- Apr -01 - Cass (CASS) is on the Move, Here's Why the Trend Could be Sustainable
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Information Services
Expected Growth : 6 %
What the company do ?
Cass Information Systems' Information Services provides data and analytics solutions to help businesses optimize their transportation, logistics, and supply chain operations.
Why we expect these perspectives ?
Cass Information Systems' 6% growth in Information Services is driven by increasing demand for digital payment solutions, expansion of its transportation information services, and growing adoption of its invoice management and business intelligence tools. Additionally, the company's strategic acquisitions and investments in technology have enhanced its service offerings, contributing to its growth momentum.
Segment n°2 -> Banking
Expected Growth : 5 %
What the company do ?
Cass Information Systems, Inc.'s Banking segment provides payment and invoice processing services to corporations, enabling them to manage their cash flow and optimize financial resources.
Why we expect these perspectives ?
Cass Information Systems, Inc.'s 5% growth in Banking is driven by increasing adoption of digital payment solutions, rising demand for cash management services, and expansion into new markets. Additionally, strategic partnerships, investments in technology, and a strong brand reputation contribute to the company's growth momentum.
Segment n°3 -> Corporate, Eliminations and Other
Expected Growth : 4 %
What the company do ?
Corporate consists of unallocated corporate expenses, Eliminations remove duplicate revenues, and Other includes miscellaneous income and expenses not attributed to reportable segments.
Why we expect these perspectives ?
Cass Information Systems, Inc.'s 4% growth is driven by Corporate segment's increased adoption of digital payment solutions, Eliminations' reduction in intercompany transactions, and Other's expansion into new markets, such as transportation and logistics, leading to higher revenue from information services.
Cass Information Systems, Inc. Products
| Product Range | What is it ? |
|---|---|
| Transportation Information Management | A comprehensive solution for managing and processing transportation-related data, including freight audit and payment services. |
| Freight Audit and Payment Services | A service that audits and pays freight invoices on behalf of clients, ensuring accuracy and efficiency. |
| Invoice Processing and Payment Services | A solution that automates the processing and payment of invoices, reducing manual errors and increasing efficiency. |
| Telecom Expense Management | A service that helps companies manage and optimize their telecom expenses, including invoice processing and payment. |
| Utility Expense Management | A solution that assists companies in managing and optimizing their utility expenses, including invoice processing and payment. |
| Spend Management Analytics | A platform that provides insights and analytics to help companies optimize their spend management processes. |
Cass Information Systems, Inc.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Cass Information Systems, Inc. is medium due to the presence of alternative payment processing solutions.
Bargaining Power Of Customers
The bargaining power of customers is low due to the company's strong relationships with its clients and the customized nature of its services.
Bargaining Power Of Suppliers
The bargaining power of suppliers is medium due to the presence of multiple suppliers of payment processing services, but the company's scale and negotiating power mitigate this threat.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the payment processing industry, including regulatory hurdles and the need for significant capital investment.
Intensity Of Rivalry
The intensity of rivalry is high due to the presence of several established players in the payment processing industry, leading to a competitive market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 3.56% |
| Debt Cost | 3.95% |
| Equity Weight | 96.44% |
| Equity Cost | 7.77% |
| WACC | 7.63% |
| Leverage | 3.69% |
Cass Information Systems, Inc. : Quality Control
Cass Information Systems, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SGRP | SPAR Group, Inc., together with its subsidiaries, provides merchandising and brand marketing services worldwide. The company offers syndicated and dedicated merchandising services at the retail store level for retailers, manufacturers, … |
| ACTG | Acacia Research Corporation, together with its subsidiaries, invests in intellectual property and related absolute return assets; and engages in the licensing and enforcement of patented technologies. The company operates through … |
| BV | BrightView Holdings, Inc., through its subsidiaries, provides commercial landscaping services in the United States. It operates through two segments, Maintenance Services and Development Services. The Maintenance Services segment delivers a … |
| CVEO | Civeo Corporation provides hospitality services to the natural resource industry in Canada, Australia, and the United States. The company develops lodges and villages; and mobile accommodations, including modular, skid-mounted accommodation, … |
| ARC | ARC Document Solutions, Inc., a digital printing company, provides digital printing and document-related services in the United States. It provides managed print services, that places, manages, and optimizes print and … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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ARC Document Solutions
A-Score
1-Year Total Return ->
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Civeo
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1-Year Total Return ->
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Acacia Research
A-Score
1-Year Total Return ->
4
Cass Information Systems
A-Score
1-Year Total Return ->
5
BrightView
A-Score
1-Year Total Return ->
6
