CASS
BuyFull HouseAI neutralCass Information Systems, Inc. · Industrials · United States · $701M cap · $4.4M/day traded
$55.10 +0.5% · close 26 Oct · scored 27 Oct
StockRank up 5.0 since 24 Oct: Quality up 6, Value up 5.
Full House: Strong business, sensible price, market agrees. The rare full house.
As of 27 Oct 2026, MoatMap's StockRank for Cass Information Systems, Inc. (CASS) is 74/100, ranked against 24,000+ stocks in 35 markets (Quality 52, Value 53, Momentum 65, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Cass Information Systems processes and pays freight, utility and telecom invoices for large companies, earning fees plus interest on the payment float it holds between collecting from clients and paying carriers. Truckload rates rose 11% in August and freight shipments turned positive, which lifts the dollar value flowing through its systems. Higher interest rates also raise its float income. The company repurchased about 1.6% of its shares in the last 90 days. The business is asset-light and sticky, but growth has been slow for years and its quality metrics are only middling.
ABOUT CASS INFORMATION SYSTEMS, INC.
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Cass Information Systems, Inc. specializes in processing and auditing complex freight, utility, and telecom invoices, providing payment and information services to large corporations. The company's competitive moat is built on its proprietary technology platform and niche expertise in expense management, offering clients significant cost savings and improved data analytics as a critical third-party administrator for complex corporate expenditures.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 146.6M | 176.0M | 167.9M | 172.9M | 181.6M | 5.5% | 217.3M | 191.5M | 207.4M | 6.9% |
| EPS | — | 2.58 | 2.22 | 1.42 | 2.66 | 1.0% | 2.90 | 3.37 | 4.15 | 24.8% |
| Shares | — | 13.7M | 13.6M | 13.5M | 12.9M | -5.5% | 12.8M | — | — | — |
| Debt | — | — | — | — | — | — | — | — | — | — |
| Equity | — | 206.3M | 229.8M | 229.0M | 243.0M | 5.6% | — | — | — | — |
| Op CF | — | 51.6M | 36.9M | 38.9M | 37.4M | -10.1% | 37.4M | — | — | — |
| Inv CF | — | -306.4M | 284.7M | 4.0M | -145.3M | — | — | — | — | — |
| Fin CF | — | -59.2M | -150.1M | -65.6M | 150.4M | — | — | — | — | — |
Above its 200-day average and 7% below its 52-week high.
Calmer than 87% of stocks we rank over the past year (23% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Industrials, ranked by industry match, size, and score similarity. Cross-listings of CASS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CASS | Cass Information Systems, Inc.(you) | $701M | 74 | Buy |
| KODK | Eastman Kodak Company | $916M | 58 | Hold |
| EBF | Ennis, Inc. | $573M | 95 | Strong Buy |
| QUAD | Quad/Graphics, Inc. | $486M | 95 | Strong Buy |
| LZ | LegalZoom.com, Inc. | $1.2B | 56 | Hold |
| TRNS | Transcat, Inc. | $767M | 40 | Hold |
| RHLD | Resolute Holdings Management, Inc. | $935M | 44 | Hold |
| CBZ | CBIZ, Inc. | $3.0B | 81 | Strong Buy |
| FA | First Advantage Corporation | $3.6B | 66 | Buy |
| MMS | Maximus, Inc. | $3.3B | 84 | Strong Buy |
Peer medians: ROE 8.8% · P/E 25.9x · Gross margin 29.2%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.