CASS
CASS INFORMATION SYSTEMS INC
Next earnings Jul 16, 2026 · consensus $0.73 EPS, $51.9M rev
Last earnings -3.2% on 2026-04-23
$51.57
▲ +0.62%$51.57▲ +25.09%
over 1Y
L $36.00EODHDH $51.57
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.6%
1W+4.5%
1M+12.3%
3M+19.7%
YTD+28.9%
1Y+25.1%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 7 analysts
Buy
Strong net margin (32.5%); but revenue declined -1.8% YoY.
Revenue (FY2025) $108M · FY2025
The read
Middling fundamentals offset by an attractive price (~92% below fair value) — worth a look on the value angle.
CASS INFORMATION SYSTEMS INC shows $108M in FY2025 revenue (-1.8% YoY), a 32.5% net margin, and 14.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $109M | $122M | $106M | $110M | $108M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $28.6M | $34.9M | $30.1M | $19.2M | $35.1M |
| Diluted EPS | $2.00 | $2.53 | $2.18 | $1.39 | $2.61 |
| Net margin | 26.3% | 28.7% | 28.3% | 17.4% | 32.5% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF20.9
PEG (trailing)0.24
Earnings yield5.3%
FCF yield4.8%
Quality & risk
ROIC (est.)—
Free cash flow$31.8M
Total debt$18.0M
Net cash$374M
Piotroski F-Score5/6
Capital returns
Buyback yield3.9%
Dividend yield (est.)2.5%
Shareholder yield6.4%
Shares Δ YoY-4.5%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗4Period ending 2026-06-112026-06-12open ↗10-QPeriod ending 2026-03-312026-05-05open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗4Period ending 2026-04-232026-04-27open ↗
Frequently asked
- Is CASS INFORMATION SYSTEMS INC (CASS) a buy?
- CASS currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (32.5%); but revenue declined -1.8% YoY.
- What is CASS's fair value?
- A Modified-Graham model based on CASS's SEC fundamentals estimates a fair value of about $99.18. It is an estimate from reported earnings, not a price target.
- Is CASS overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CASS currently appears undervalued relative to its SEC-grounded earnings power.
- What is CASS INFORMATION SYSTEMS INC's quality score?
- CASS scores 74.91176470588235/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000708781, latest 10-Q filed 2026-05-05) · EODHD · as of 6/26/2026, 7:45:39 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.