Ticker
CASS

Price
48.08
Stock movement up
+0.86 (1.82%)
Company name
Cass Information Systems Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Industrials >
Specialty Business Services
Market cap
659.20M
Ent value
2.82B
Price/Sales
3.59
Price/Book
3.19
Div yield
2.50%
Div growth
5.54%
Growth years
19
FCF payout
85.44%
Trailing P/E
18.89
Forward P/E
14.44
PEG
-
EPS growth
7.82%
1 year return
12.28%
3 year return
1.25%
5 year return
0.63%
10 year return
1.75%
Last updated: 2024-04-08

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share1.20
Dividend yield2.50%
Payout frequencyQuarterly
Maximum yield3.68%
Average yield2.65%
Minimum yield1.79%
Discount to avg yield-6.03%
Upside potential-5.69%
Yield as % of max yield67.83%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.50%
Current yield distribution68.02%
Yield at 100% (Min)1.79%
Yield at 90%2.08%
Yield at 80%2.32%
Yield at 50% (Median)2.67%
Yield at 20%3.00%
Yield at 10%3.14%
Yield at 0% (Max)3.68%

Dividend per share

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Dividend per share data
Years of growth19 years
CCC statusDividend Contender
Dividend per share1.20
Payout frequencyQuarterly
Ex-div date4 Mar 2024
EPS (TTM)2.53
EPS (1y forward)3.33
EPS growth (5y)7.82%
EPS growth (5y forward)-

Dividend growth

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Dividend growth data
CASSS&P500
DGR MR3.45%-16.32%
DGR TTM3.51%4.05%
DGR 3 years2.70%5.24%
DGR 5 years5.54%5.40%
DGR 10 years7.63%7.07%
DGR 15 years8.65%6.12%
Time since last change announced192 days
EPS growth (5y)7.82%
EPS growth (5y forward)-

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM44.24%85.44%
Average38.93%32.75%
Forward36.04%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E18.89
Price to OCF12.77
Price to FCF36.47
Price to EBITDA22.75
EV to EBITDA97.48

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales3.59
Price to Book3.19
EV to Sales15.37

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FINANCIALS

Per share

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Per share data
Current share count13.71M
EPS (TTM)2.53
FCF per share (TTM)1.31

Income statement

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Income statement data
Revenue (TTM)183.83M
Gross profit (TTM)155.93M
Operating income (TTM)4.40M
Net income (TTM)34.90M
EPS (TTM)2.53
EPS (1y forward)3.33

Margins

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Margins data
Gross margin (TTM)84.83%
Operating margin (TTM)2.39%
Profit margin (TTM)18.99%

Balance Sheet

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Balance Sheet data
Cash200.94M
Net receivables95.78M
Total current assets296.72M
Goodwill17.31M
Intangible assets4.13M
Property, plant and equipment0.00
Total assets2.57B
Accounts payable1.07B
Short/Current long term debt0.00
Total current liabilities1.07B
Total liabilities2.37B
Shareholder's equity206.32M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)51.61M
Capital expenditures (TTM)5.87M
Free cash flow (TTM)18.07M
Dividends paid (TTM)15.44M

Financial returns

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Financial returns data
Return on Equity16.92%
Return on Assets1.36%
Return on Invested Capital16.92%
Cash Return on Invested Capital8.76%

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STOCK INFORMATION

Stock chart

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Stock price data
Open47.64
Daily high48.26
Daily low47.52
Daily Volume37K
All-time high61.84
1y analyst estimate52.00
Beta0.65
EPS (TTM)2.53
Dividend per share1.20
Ex-div date4 Mar 2024
Next earnings date15 Apr 2024

Downside potential

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Downside potential data
CASSS&P500
Current price drop from All-time high-22.25%-0.85%
Highest price drop-52.54%-56.47%
Date of highest drop18 Mar 20209 Mar 2009
Avg drop from high-19.20%-11.35%
Avg time to new high31 days13 days
Max time to new high1457 days1805 days

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COMPANY DETAILS
CASS (Cass Information Systems Inc) company logo
Marketcap
659.20M
Marketcap category
Small-cap
Description
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates through two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company 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 demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, 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.
Employees
940
Investor relations
SEC filings
CEO
Eric Brunngraber
Country
USA
City
St Louis
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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