CASS Financials: Cass Information Systems Inc AI Analysis

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CASS Financial

Cass Information Systems Inc

$44.16

-0.13%

$-0.06

At close: Mar 24, 16:00:00 GMT-4

$44.16

Pre-market: Mar 25, 07:16:31 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

$44.22

Open

$44.06

Day's Range

$43.92 - $44.68

52 week range

$36.07 - $47.43

Volume

73.0K

Avg.Volume

75.9K

Dividend yield

2.82%

EPS (TTM)

2.61

Market Cap

$568.3M

What is CASS?

Cass Information Systems, Inc. engages in the provision of integrated information and payment management solutions. The company is headquartered in St. Louis, Missouri and currently employs 971 full-time employees. The firm 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 firm'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 firm's bank subsidiary, Cass Commercial Bank, supports its payment operations.

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Income

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Annual

Quarterly

CASS Income

Financials in millions USD. Fiscal year is February - January.

Breakdown	TTM	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021
Revenue	207	207	201	192	187	155
Revenue Growth (YoY)	-5%	3%	5%	3%	21%	5%
Cost of Revenue	16	16	20	16	3	1
Gross Profit	191	191	181	176	183	154
Selling, General & Admin	120	150	157	141	138	119
Research & Development	--	--	--	--	--	--
Operating Expenses	152	152	158	141	140	120
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	38	38	23	34	42	33
Income Tax Expense	7	7	4	6	8	5
Net Income	35	35	19	30	34	28
Net Income Growth	84%	84%	-37%	-12%	21%	12%
Shares Outstanding (Diluted)	13.24	13.46	13.77	13.81	13.8	14.3
Shares Change (YoY)	-3%	-2%	0%	0%	-4%	-2%
EPS (Diluted)	2.65	2.6	1.39	2.17	2.53	2
EPS Growth	90%	87%	-36%	-14%	27%	16%
Free Cash Flow	31	31	29	22	45	30
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	92.27%	92.27%	90.04%	91.66%	97.86%	99.35%
Operating Margin	18.35%	18.35%	11.44%	17.7%	22.45%	21.29%
Profit Margin	16.9%	16.9%	9.45%	15.62%	18.18%	18.06%
Free Cash Flow Margin	14.97%	14.97%	14.42%	11.45%	24.06%	19.35%
EBITDA	39	39	23	34	42	33
EBITDA Margin	18.84%	18.84%	11.44%	17.7%	22.45%	21.29%
D&A For EBITDA	1	1	0	0	0	0
EBIT	38	38	23	34	42	33
EBIT Margin	18.35%	18.35%	11.44%	17.7%	22.45%	21.29%
Effective Tax Rate	18.42%	18.42%	17.39%	17.64%	19.04%	15.15%

Follow-Up Questions

What are Cass Information Systems Inc's key financial statements?

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According to the latest financial statement (Form-10K), Cass Information Systems Inc has a total asset of $2,606, Net profit of $35

What are the key financial ratios for CASS?

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Cass Information Systems Inc's Current ratio is 1.1, has a Net margin is 16.9, sales per share of $15.37.

How is Cass Information Systems Inc's revenue broken down by segment or geography?

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Cass Information Systems Inc largest revenue segment is Information Services, at a revenue of 166,557,000 in the most earnings release.For geography, United States is the primary market for Cass Information Systems Inc, at a revenue of 198,742,000.

Is Cass Information Systems Inc profitable?

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yes, according to the latest financial statements, Cass Information Systems Inc has a net profit of $35

Does Cass Information Systems Inc have any liabilities?

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yes, Cass Information Systems Inc has liability of 2,363

How many outstanding shares for Cass Information Systems Inc?

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Cass Information Systems Inc has a total outstanding shares of 12.91

Cass Information Systems Inc (CASS) Financial

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