What is Cass Information Systems, Inc.'s (CASS) StockRank?

MoatMap's StockRank for Cass Information Systems, Inc. (CASS) is 75/100, with a Buy signal. This is a composite score combining Quality (46), Value (49), and Momentum (75) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Cass Information Systems, Inc. have an economic moat?

Cass Information Systems, Inc. (CASS) has a Quality factor score of 46/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Cass Information Systems, Inc. a buy, hold, or sell?

MoatMap's current signal for Cass Information Systems, Inc. (CASS) is Buy, based on a StockRank of 75/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Cass Information Systems, Inc. in?

Cass Information Systems, Inc. (CASS) operates in the Industrials sector, specifically the Specialty Business Services industry (United States).

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CASS

BuyHot Air

Cass Information Systems, Inc. · Industrials · United States · $724M · Avg Vol: $4M/d

StockRank

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P/E (TTM)

20.1x

ROE

15.1%

D/E

0.3x

Dividend %

2.3%

COMPANY DESCRIPTION

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%	215.0M	191.1M	203.5M	5.9%
EPS	—	2.58	2.22	1.42	2.66	1.0%	2.77	3.44	4.17	25.3%
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%	48.6M	—	—	—
Inv CF	—	-306.4M	284.7M	4.0M	-145.3M	—	—	—	—	—
Fin CF	—	-59.2M	-150.1M	-65.6M	150.4M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.1%

SMA 50SMA 200

$55.40

RSI (14)

41.6

52W High

$59.29

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.6%*16.5

ROE

15.1%75.4

GP/Assets

4.1%7.9

Op. Margin

31.6%95.0

FCF/Assets

1.0%35.1

Piotroski

585.2

Int. Cover

—88.3

D/E Ratio

0.34x50.4

Current Ratio

1.01x13.5

Value

P/E (TTM)

20.1x49.5

EV/EBITDA

8.2x70.0

P/FCF

28.5x40.3

P/B

2.9x35.2

P/S

3.3x25.3

Div Yield

2.3%53.0

Momentum

52W High %

93%88.7

RS 6M

12%78.3

SMA 50/200

1.17x87.7

EPS Rev 4W

+5.1%88.3

EPS Rev 12W

+2.1%74.8

EPS Improve

+31%41.9

Q Growth

20%54.6

FUNDAMENTALS

Market Cap

$724M

P/E (Forward)

15.4x

Gross Margin

49.1%

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)	$724M	75	Buy
KODK	Eastman Kodak Company	$885M	65	Buy
QUAD	Quad/Graphics, Inc.	$519M	93	Strong Buy
MMS	Maximus, Inc.	$3.1B	75	Buy
ABM	ABM Industries Incorporated	$2.8B	83	Strong Buy
FA	First Advantage Corporation	$3.6B	71	Buy
LZ	LegalZoom.com, Inc.	$1.1B	44	Hold
TRNS	Transcat, Inc.	$804M	37	Hold
CBZ	CBIZ, Inc.	$3.0B	60	Hold
RHLD	Resolute Holdings Management, Inc.	$1.1B	39	Hold

Peer medians: ROE 8.8% · P/E 27.6x · Gross margin 29.2%

Cass Information Systems, Inc. (CASS): Stock Score Summary

Cass Information Systems, Inc. (CASS) has a MoatMap StockRank of 75/100 based on Quality (46/100), Value (49/100), and Momentum (75/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$55.40
Market Cap	$724M
P/E (TTM)	20.15
P/E (Forward)	15.40
Price/Book	2.92
Return on Equity	15.1%
Debt/Equity	0.34x
Gross Margin	49.1%
Operating Margin	31.6%
Revenue Growth	12.2%
Dividend Yield	2.3%
Free Cash Flow	$25M

Cass Information Systems, Inc. operates in the Specialty Business Services industry, part of the Industrials sector (United States).

Frequently Asked Questions

What is Cass Information Systems, Inc.’s (CASS) StockRank?: MoatMap’s StockRank for Cass Information Systems, Inc. (CASS) is 75/100, with a Buy signal. It is a composite of Quality (46), Value (49), and Momentum (75) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Cass Information Systems, Inc. have an economic moat?: Cass Information Systems, Inc. (CASS) has a Quality factor score of 46/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Cass Information Systems, Inc. a buy, hold, or sell?: MoatMap’s current signal for Cass Information Systems, Inc. (CASS) is Buy, based on a StockRank of 75/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Cass Information Systems, Inc. in?: Cass Information Systems, Inc. (CASS) operates in the Industrials sector, specifically the Specialty Business Services industry (United States).