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Cass Information Systems, Inc. CASS | NASDAQ

$54.59 $0.99 | 1.85%
TREND SIGNAL:Signal available — unlock to view |2026-09-23

Next Earnings: Oct 22, 2026

Company Overview:

Market Cap: $684.79M
Trailing PE: 19.6x
FWD PE *: 16.2x
Payout Ratio (TTM): 44.8%
52-Week Range: $36.07 - $59.63

* Forward PE is based on street estimates.

7.3 Year CASS Performance Metrics:

Total Return (with DRIP): 40.4% (4.76% CAGR)
Total Return (no DRIP): 33.7% (4.06% CAGR)
Share Price: 16.9% (2.17% CAGR)
Yield on Cost (with DRIP): 3.29%
Total Invested: $10,000
Total Value (with DRIP): $14,040
Total Return $ (with DRIP): $4,040
Dividend Increase: 18.5% (2.45% CAGR)
Dividend Yield (FWD): 2.34% ($1.28)
CASS 7.3-yr Total Return ($10K invested)
1M 3M 6M YTD 1Y 3Y 5Y 10Y
CASS Share Price
1M 3M 6M YTD 1Y 3Y 5Y 10Y All
CASS Price CAGR:1Y: 47.70%2Y: 13.80%5Y: 5.32%10Y: 2.16%
CASS Dividend Charts
CASS - Dividends
CASS Dividend CAGR:1Y: 3.23%2Y: 3.28%5Y: 3.46%10Y: 6.74%
CASS - Dividend Payout Ratio
CASS Dividend Payout Ratio CAGR:1Y: -16.99%2Y: -34.89%5Y: -6.84%10Y: -0.81%
CASS - Dividend to Free Cash Flow Ratio
CASS Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: -20.90%5Y: -20.84%10Y: 0.83%

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CASS Financials: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

CASS - Revenue
CASS Revenue CAGR:1Y: 3.88%2Y: -3.59%5Y: 5.95%10Y: 5.01%
CASS - Earnings Per Share (EPS)
CASS EPS CAGR:1Y: 22.73%2Y: 59.10%5Y: 11.03%10Y: 7.58%
CASS - Net Income
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CASS Net Income CAGR:1Y: 19.56%2Y: 53.66%5Y: 8.55%10Y: 6.08%
CASS - EBITDA
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CASS EBITDA CAGR:1Y: 60.66%2Y: 35.63%5Y: 1.73%10Y: 2.09%
CASS - Free Cash Flow
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CASS Free Cash Flow CAGR:1Y: 0.00%2Y: 26.48%5Y: 27.74%10Y: 4.35%
CASS - Free Cash Flow / Share
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CASS Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 30.05%5Y: 30.53%10Y: 5.74%
CASS - Operating Income
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CASS Operating Income CAGR:1Y: 109.81%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CASS - Gross Profit
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CASS Gross Profit CAGR:1Y: 24.38%2Y: 2.95%5Y: 0.00%10Y: 0.00%
CASS - Shares Outstanding
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CASS Shares Outstanding CAGR:1Y: -3.32%2Y: -2.76%5Y: -2.07%10Y: -1.30%
CASS - Share Buybacks
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CASS Share Buybacks CAGR:1Y: -48.04%2Y: 0.00%5Y: -5.27%10Y: -5.55%
CASS - Stock-Based Comp
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CASS Stock-Based Comp CAGR:1Y: 23.09%2Y: 54.40%5Y: 6.47%10Y: 8.80%
CASS - Expenses
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CASS Expenses CAGR:1Y: 130.95%2Y: 23.24%5Y: 25.72%10Y: 7.17%
CASS - Revenue vs Net Income
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CASS - EPS vs FCF / Share
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CASS - EPS vs PE Ratio
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CASS - FCF vs FCF / Share
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CASS - FCF vs Stock Based Comp
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CASS - Cash & Debt
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CASS - Revenue by Segment
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CASS Revenue CAGR:1Y: 3.88%2Y: -3.59%5Y: 5.95%10Y: 5.01%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

CASS - REVENUE: Actual + Estimates
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CASS Actual Revenue CAGR:1Y: 3.88%2Y: -3.59%5Y: 5.95%10Y: 5.01%
CASS - EPS: Actual + Estimates
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CASS Actual EPS CAGR:1Y: 22.73%2Y: 59.10%5Y: 11.03%10Y: 7.58%
CASS - NET INCOME: Actual + Estimates
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CASS Actual Net Income CAGR:1Y: 19.56%2Y: 53.66%5Y: 8.55%10Y: 6.08%
CASS - EBITDA: Actual + Estimates
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CASS Actual EBITDA CAGR:1Y: 60.66%2Y: 35.63%5Y: 1.73%10Y: 2.09%

Ratios, Profit Margins & Return on Capital:

CASS - Net Profit Margin
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CASS Net Profit Margin CAGR:1Y: 15.09%2Y: 59.37%5Y: 2.45%10Y: 1.02%
CASS - Gross Profit Margin
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CASS Gross Profit Margin CAGR:1Y: 19.73%2Y: 6.78%5Y: 4.13%10Y: 14.63%
CASS - Price to Earnings
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CASS Price to Earnings CAGR:1Y: -4.66%2Y: -28.95%5Y: -5.66%10Y: -4.46%
CASS - Price To Sales Ratio
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CASS Price To Sales Ratio CAGR:1Y: 9.72%2Y: 13.45%5Y: -3.28%10Y: -3.45%
CASS - Return on Capital Employed
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CASS Return on Capital Employed CAGR:1Y: 93.12%2Y: 0.00%5Y: 0.00%10Y: 0.00%
CASS - Return on Invested Capital
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CASS Return on Invested Capital CAGR:1Y: 0.00%2Y: 31.55%5Y: 0.00%10Y: 0.00%

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CASS Dividends Info:

Annual Dividend: $1.28
Forward Yield: 2.34%
Ex-Dividend Date: 2026-09-04
Lifetime Dividends / Share: $17.51

CASS Dividend History: Dates, Payments & Yield list

Below is a schedule of all CASS dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield

Ex-Date Payment Date Amount Yield Forward Yield Price on Ex-Date
09/04/202609/07/2026$0.3202.29%2.3%$55.68
06/05/202606/08/2026$0.3202.69%2.71%$47.28
03/03/202603/05/2026$0.3202.84%2.83%$45.16
12/05/202512/08/2025$0.3202.97%3.03%$42.24
09/05/202509/08/2025$0.3102.88%2.88%$43.05
06/03/202506/05/2025$0.3102.93%2.97%$41.78
03/04/202503/06/2025$0.3102.9%2.86%$43.38
12/03/202412/05/2024$0.3102.78%2.84%$43.72
09/03/202409/05/2024$0.3002.87%2.98%$40.24
06/04/202406/06/2024$0.3002.87%2.83%$42.40
03/04/202403/06/2024$0.3002.51%2.55%$47.12
12/04/202312/06/2023$0.3002.8%2.89%$41.56
09/01/202309/04/2023$0.2903.03%3.02%$38.40
06/02/202306/05/2023$0.2902.88%2.94%$39.46
03/02/202303/06/2023$0.2902.43%2.44%$47.61
12/02/202212/15/2022$0.2902.67%2.64%$43.90
09/01/202209/15/2022$0.2803.13%3.11%$36.01
06/02/202206/15/2022$0.2803.28%3.37%$33.26
03/03/202203/15/2022$0.2802.82%2.89%$38.70
12/02/202112/15/2021$0.2802.69%2.71%$41.29
09/02/202109/15/2021$0.2702.42%2.51%$42.96
06/03/202106/15/2021$0.2702.37%2.35%$45.96
03/04/202103/15/2021$0.2702.43%2.25%$47.99
12/03/202012/15/2020$0.2702.54%2.51%$42.99
09/03/202009/15/2020$0.2702.78%2.93%$36.87
06/04/202006/15/2020$0.2702.58%2.76%$39.14
03/02/202003/13/2020$0.2702.26%2.92%$36.97
12/02/201912/13/2019$0.2701.94%1.88%$57.56
08/30/201909/13/2019$0.2602.06%1.8%$57.85
06/03/201906/14/2019$0.2600%2.23%$46.68
03/04/201903/15/2019$0.2600%2.23%$46.68
12/03/201812/14/2018$0.2600%2.23%$46.68
08/31/201809/14/2018$0.2170%1.86%$46.68
06/04/201806/15/2018$0.2170%1.86%$46.68
03/02/201803/15/2018$0.2400%2.06%$46.68
12/04/201712/15/2017$0.2400%2.06%$46.68
08/31/201709/15/2017$0.1740%1.49%$46.68
05/31/201706/15/2017$0.1740%1.49%$46.68
03/01/201703/15/2017$0.1740%1.49%$46.68
12/01/201612/15/2016$0.1740%1.49%$46.68
08/31/201609/15/2016$0.1670%1.43%$46.68
06/01/201606/15/2016$0.1670%1.43%$46.68
03/02/201603/15/2016$0.1670%1.43%$46.68
12/02/201512/15/2015$0.1670%1.43%$46.68
09/02/201509/15/2015$0.1590%1.36%$46.68
06/03/201506/15/2015$0.1590%1.36%$46.68
03/03/201503/16/2015$0.1590%1.36%$46.68
12/03/201412/15/2014$0.1590%1.36%$46.68
09/03/201409/15/2014$0.1520%1.3%$46.68
06/03/201406/16/2014$0.1520%1.3%$46.68
03/03/201403/17/2014$0.1520%1.3%$46.68
12/03/201312/16/2013$0.1520%1.3%$46.68
09/03/201309/16/2013$0.1360%1.17%$46.68
05/31/201306/14/2013$0.1360%1.17%$46.68
03/01/201303/15/2013$0.1360%1.17%$46.68
12/03/201212/14/2012$0.1240%1.06%$46.68
08/31/201209/14/2012$0.1170%1%$46.68
06/01/201206/15/2012$0.1170%1%$46.68
03/01/201203/15/2012$0.1170%1%$46.68
12/01/201112/15/2011$0.1170%1%$46.68
08/31/201109/15/2011$0.1100%0.94%$46.68
06/01/201106/15/2011$0.1100%0.94%$46.68
03/02/201103/15/2011$0.1100%0.94%$46.68
12/01/201012/15/2010$0.1100%0.94%$46.68
09/01/201009/15/2010$0.0960%0.83%$46.68
06/02/201006/15/2010$0.0960%0.83%$46.68
03/03/201003/15/2010$0.0960%0.83%$46.68
12/02/200912/15/2009$0.0960%0.83%$46.68
09/02/200909/15/2009$0.0900%0.77%$46.68
06/03/200906/15/2009$0.0900%0.77%$46.68
03/03/200903/16/2009$0.0900%0.77%$46.68
12/03/200812/15/2008$0.0900%0.77%$46.68
09/03/200809/15/2008$0.0830%0.71%$46.68
06/03/200806/16/2008$0.0830%0.71%$46.68
03/03/200803/17/2008$0.0830%0.71%$46.68
11/29/200712/17/2007$0.0750%0.64%$46.68
08/31/200709/14/2007$0.0750%0.64%$46.68
06/01/200706/15/2007$0.0750%0.64%$46.68
03/01/200703/15/2007$0.0750%0.64%$46.68
12/01/200612/15/2006$0.0750%0.64%$46.68
08/30/200609/15/2006$0.0670%0.57%$46.68
06/01/200606/15/2006$0.0670%0.57%$46.68
03/01/200603/15/2006$0.0670%0.57%$46.68
12/01/200512/15/2005$0.0670%0.57%$46.68
08/31/200509/15/2005$0.0580%0.5%$46.68
06/01/200506/15/2005$0.0580%0.5%$46.68
03/02/200503/15/2005$0.0580%0.5%$46.68
12/01/200412/15/2004$0.0580%0.5%$46.68
09/01/200409/15/2004$0.0580%0.5%$46.68
06/03/200406/15/2004$0.0580%0.5%$46.68
03/03/200403/15/2004$0.0580%0.5%$46.68
12/03/200312/15/2003$0.0530%0.46%$46.68
09/03/200309/15/2003$0.0530%0.46%$46.68
06/03/200306/16/2003$0.0530%0.46%$46.68
03/03/200303/17/2003$0.0530%0.46%$46.68
12/03/200212/16/2002$0.0530%0.46%$46.68
09/03/200209/16/2002$0.0480%0.41%$46.68
06/03/200206/17/2002$0.0480%0.41%$46.68
03/01/200203/15/2002$0.0480%0.41%$46.68
12/03/200112/17/2001$0.0480%0.41%$46.68
08/31/200109/17/2001$0.0480%0.41%$46.68
06/01/200106/15/2001$0.0480%0.41%$46.68
03/01/200103/15/2001$0.0480%0.41%$46.68
12/01/200012/15/2000$0.0480%0.41%$46.68
08/31/200009/15/2000$0.0480%0.41%$46.68
06/01/200006/15/2000$0.0480%0.41%$46.68
03/01/200003/15/2000$0.0480%0.41%$46.68
12/01/199912/15/1999$0.0460%0.39%$46.68
09/01/199909/15/1999$0.0430%0.37%$46.68
06/02/199906/15/1999$0.0430%0.37%$46.68
03/03/199903/15/1999$0.0430%0.37%$46.68
12/02/199812/15/1998$0.0430%0.37%$46.68
09/02/199809/15/1998$0.0430%0.37%$46.68
06/03/199806/15/1998$0.0430%0.37%$46.68
03/03/199803/16/1998$0.0430%0.37%$46.68
12/03/199712/15/1997$0.0310%0.27%$46.68
09/03/199709/15/1997$0.0310%0.27%$46.68
06/03/199706/16/1997$0.0310%0.27%$46.68
03/03/199703/17/1997$0.0310%0.27%$46.68
12/03/199612/16/1996$0.0300%0.26%$46.68
09/03/199609/16/1996$0.0070%0.06%$46.68

Projected Future Returns & Dividends for CASS

Based on past 7.3-year performance, here are CASS growth metrics:

Share price CAGR of +2.17%
Dividend CAGR of +6.76%

Using CASS CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

CASS (DRIP)CASS - No DRIP
Current Price$54.59$54.59
Start Shares183.18183.18
Start Value$10,000$10,000
  
After 10 years:
Final Share Count244.07183.18
Dividends Payment$0.62$0.62
Annual Dividends$601$451
Yield on cost6.01%4.51%
Share Price$67.65$67.65
Total Dividends$3,714$3,203
Final Value$16,510$15,594

Estimated Future Value + Dividends - CASS

NOTE: Above numbers are our estimate based on CASS's Dividend and Price CAGR over past 7.3 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Cass Information Systems, Inc. (CASS) had its IPO on 1996-07-02, and is traded on NASDAQ stock exchange.

Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across the United States. The company's operations are divided into two main areas: Information Services and Banking Services. Through its Information Services segment, Cass provides essential back-office solutions, including the intricate rating, payment processing, and auditing of freight invoices, alongside the production of crucial accounting and transportation data. This division also expertly handles the payment and management of various facility expenses, such as utility bills for electricity, natural gas, and waste, as well as offering comprehensive telecommunications expense management. The Banking Services segment, powered by its subsidiary Cass Commercial Bank, offers a full range of financial products. These include standard checking, savings, and time deposit accounts, in addition to commercial, industrial, and real estate lending. Cash management services are also provided, primarily serving privately-owned businesses and religious organizations. Furthermore, Cass extends its offerings with a modern B2B payment platform, tailored for clients in search of a flexible financial technology partner. Established in 1906, Cass Information Systems, Inc. is headquartered in St. Louis, Missouri, where its main banking facility is located. The company also maintains an operating branch in Bridgeton, Missouri, and leased facilities in Fenton, Missouri, and Colorado Springs, Colorado. It adopted its current name in January 2001, having previously been known as Cass Commercial Corporation.

CASS website: https://www.cassinfo.com


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DCF Model — CASS

Value from:
Pay up to today
—
vs current price $54.59
—
Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
YearFCFImplied price
Sensitivity — fair value: growth ↓ × target return →