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CASS

BUY

Cass Information Systems, Inc. · Industrials · United States · $698M · Avg Vol: $5M/d

68
StockRank
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Q
44
V
46
M
72
P/E (TTM)
22.8x
ROE
13.1%
D/E
0.6x
Dividend %
2.4%
Dir. Trades · 180d
None →
Buybacks · 180d
$20.4M →

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)

Year20212022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue146.6M176.0M167.9M172.9M181.6M5.5%209.0M191.0M200.7M5.1%
EPS—2.582.221.422.661.0%2.343.423.9722.2%
Shares—13.7M13.6M13.5M12.9M-5.5%12.9M———
Debt——————————
Equity—206.3M229.8M229.0M243.0M5.6%————
Op CF—51.6M36.9M38.9M37.4M-10.1%30.4M———
Inv CF—-306.4M284.7M4.0M-145.3M—————
Fin CF—-59.2M-150.1M-65.6M150.4M—————
Loading 1Y...
PRICE (1Y)+10.8%
47.9849.6851.3953.0954.79Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$54.79
RSI (14)
61.8
52W High
$55.42
From 52W High
1.0%

SCORE BREAKDOWN

Quality
44
ROIC (ROA)
1.4%*17.2
ROE
13.1%71.1
GP/Assets
3.8%7.5
Op. Margin
27.8%94.0
FCF/Assets
1.0%33.7
Piotroski
583.7
Int. Cover
—87.1
D/E Ratio
0.62x35.2
Current Ratio
1.02x14.7
Value
46
P/E (TTM)
22.8x45.0
EV/EBITDA
9.4x62.7
P/FCF
27.5x41.3
P/B
2.8x34.1
P/S
3.3x25.1
Div Yield
2.4%52.2
Momentum
72
52W High %
99%97.8
RS 6M
17%84.5
SMA 50/200
1.12x76.0
EPS Rev 4W
+0.7%89.3
EPS Rev 12W
-2.8%26.7
EPS Improve
+47%50.8
Q Growth
-2%37.4

FUNDAMENTALS

Market Cap
$698M
P/E (Forward)
15.5x
Gross Margin
47.6%

SECTOR PEERS

Closest peers in Industrials, ranked by industry match, size, and score similarity. Cross-listings of CASS are excluded.

TickerCompanyMkt CapStockRankSignal
CASSCass Information Systems, Inc.(you)$698M68BUY
KODKEastman Kodak Company$806M63HOLD
TRNSTranscat, Inc.$793M57HOLD
CBZCBIZ, Inc.$2.3B69BUY
BVBrightView Holdings, Inc.$1.3B47HOLD
LZLegalZoom.com, Inc.$1.2B43HOLD
QUADQuad/Graphics, Inc.$430M98STRONG BUY
FAFirst Advantage Corporation$3.4B56HOLD
UNFUniFirst Corporation$5.3B65BUY
MMSMaximus, Inc.$3.1B84STRONG BUY

Peer medians: ROE 10.7% · P/E 30.7x · Gross margin 28.6%

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

Cass Information Systems, Inc. (CASS) has a MoatMap StockRank of 68/100 based on Quality (44/100), Value (46/100), and Momentum (72/100) factor scores. The current signal is BUY.

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.

Key Financial Metrics

Price$54.79
Market Cap$698M
P/E (TTM)22.84
P/E (Forward)15.49
Price/Book2.84
Return on Equity13.1%
Debt/Equity0.62x
Gross Margin47.6%
Operating Margin27.8%
Revenue Growth3.2%
Dividend Yield2.4%
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 68/100, with a Buy signal. It is a composite of Quality (44), Value (46), and Momentum (72) factor ranks across MoatMap’s 20,000+ stock universe.
Does Cass Information Systems, Inc. have an economic moat?
Cass Information Systems, Inc. (CASS) has a Quality factor score of 44/100. 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 68/100. 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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