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  • Overview
  • Forecast
  • Valuation
  • Earnings
High
40.350
Open
40.350
VWAP
40.35
Vol
250.00
Mkt Cap
539.08M
Low
40.350
Amount
10.09K
EV/EBITDA(TTM)
29.43
Total Shares
13.64M
EV
954.68M
EV/OCF(TTM)
18.83
P/S(TTM)
2.51
Cass Information Systems, Inc. is a provider of integrated information and payment management solutions. The Company enables enterprises to control their supply chains, communications networks, facilities and other operations. Its segments include Information Services and Banking Services. The Information Services segment provides transportation, energy, telecommunication, and environmental invoice processing and payment services to large corporations. In addition, this segment provides church management software and on-line generosity services primarily for faith-based ministries. The Company's AcuAudit is a premier freight audit platform for ocean and international air freight. The Banking Services segment provides banking services primarily to privately held businesses, franchise restaurants and faith-based ministries, as well as supporting the banking needs of the Information Services segment. The Company's bank subsidiary, Cass Commercial Bank, supports its payment operations.
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Market Estimates

Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
49.70M
+5.01%
--
--
49.90M
-1.18%
--
--
50.20M
-0.42%
--
--
Estimates Revision
The market is revising Downward the revenue expectations for Cass Information Systems, Inc. (CASS) for FY2025, with the revenue forecasts being adjusted by -3.91% over the past three months. During the same period, the stock price has changed by -2.30%.
Revenue Estimates for FY2025
Revise Downward
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-3.91%
In Past 3 Month
Stock Price
Go Down
down Image
-2.30%
In Past 3 Month
2 Analyst Rating
up Image
18.96% Upside
Wall Street analysts forecast CASS stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CASS is 48.00 USD with a low forecast of 46.00 USD and a high forecast of 50.00  USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
0 Hold
0 Sell
Moderate Buy
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18.96% Upside
Current: 40.350
sliders
Low
46.00
Averages
48.00
High
50.00
Raymond James
Outperform
initiated
$50
2025-07-14
Reason
Raymond James initiated coverage of Cass Information Systems with an Outperform rating and $50 price target. While the company's revenue mix is skewed toward fee income, Cass is well-positioned to benefit from a widening net interest margin due to the repricing of fixed-rate assets, the analyst tells investors in a research note. Cass also continues to embrace automation as it is focused on improving the efficiency of its labor-intensive payments business, the firm added.
Piper Sandler
Frank Schiraldi
Buy
Maintains
$47 → $46
2025-04-23
Reason
Piper Sandler lowered the firm's price target on Cass Information Systems to $46 from $47 and keeps an Overweight rating on the shares following quarterly results. The firm notes that there was some accounting noise in the quarter driven by the announced sale of a business line. These now discontinued operations provided for 3c of EPS in Q1. While transportation volumes continued to fall, albeit stabilizing on a per invoice basis, management remains optimistic on current outlook, and Piper continues to see the potential for continued outsized business wins and efficiencies particularly on the facilities side of the business.
Piper Sandler
Frank Schiraldi
Buy
Maintains
$44 → $45
2024-10-18
Reason
Piper Sandler analyst Frank Schiraldi raised the firm's price target on Cass Information Systems to $45 from $44 and keeps an Overweight rating on the shares after third quarter earnings. Piper noted that while general weakness continues to be driven by the ongoing freight recession, this had already been more than accounted for in the firm's numbers. Overall, trends were "somewhat promising" and the firm said it sees the potential for continued business wins in both the facilities as well as transportation business.

Valuation Metrics

The current forward P/E ratio for Cass Information Systems Inc (CASS.O) is 15.33, compared to its 5-year average forward P/E of 14.31. For a more detailed relative valuation and DCF analysis to assess Cass Information Systems Inc 's fair value, click here.

Forward PE

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
14.31
Current PE
15.33
Overvalued PE
22.25
Undervalued PE
6.37

Forward EV/EBITDA

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PS
2.42
Current PS
2.79
Overvalued PS
3.74
Undervalued PS
1.10

Financials

Annual
Quarterly
FY2025Q1
YoY :
+2.08%
51.43M
Total Revenue
FY2025Q1
YoY :
+22.25%
10.88M
Operating Profit
FY2025Q1
YoY :
+21.05%
8.55M
Net Income after Tax
FY2025Q1
YoY :
+26.92%
0.66
EPS - Diluted
FY2025Q1
YoY :
+208.01%
18.99M
Free Cash Flow
FY2025Q1
YoY :
+2.54%
92.00
Gross Profit Margin - %
FY2025Q1
YoY :
+89.45%
19.21
FCF Margin - %
FY2025Q1
YoY :
+18.62%
16.63
Net Margin - %
FY2025Q1
YoY :
-34.97%
2.38
ROIC

Trading Trends

Insider
Insiders areBuying! The selling amount has increased 118.51% over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
2
17.6K
USD
Months
6-9
0
0.0
USD
Months
0-12
1
8.1K
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
390.0
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
1
2.9K
Volume
Months
6-9
0
0.0
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months

CASS News & Events

Events Timeline

(ET)
2025-07-17
08:05:02
Cass Information Systems reports Q2 EPS 66c vs. 32c last year
select
2025-04-17 (ET)
2025-04-17
08:45:05
Cass Information Systems reports Q1 EPS 66c vs. 33c last year
select
2025-01-23 (ET)
2025-01-23
07:05:00
Cass Information Systems reports Q4 EPS 33c vs. 61c last year
select
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News

Preview
9.5
07-17NASDAQ.COM
Cass Information Systems Inc. Bottom Line Rises In Q2, Beats Estimates
Preview
4.0
07-15Benzinga
Raymond James Initiates Coverage On Cass Information Sys with Outperform Rating, Announces Price Target of $50
Preview
9.5
04-17Newsfilter
Cass Information Systems Reports First Quarter 2025 Results
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The current price of CASS is 40.35 USD — it has increased 0 % in the last trading day.

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