Cass Information Systems, Inc. (CASS)Industrials | Specialty Business Services | Saint Louis, United States | NasdaqGS
56.65 USD
-0.18
(-0.317%) ⇩
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 56.65 |
Hot Take ↕ | Aug. 22, 2026, 2:17 a.m. EDT
The investment case for Cass Information Systems hinges on a stark divergence between deteriorating top-line growth and resilient profitability. While the company reported a massive 44.4% drop in revenue for the second quarter, management successfully navigated the downturn to beat earnings expectations, driven by higher interest income and robust payment volumes. This operational resilience is reflected in the balance sheet, which remains healthy with manageable debt and strong free cash flow generation. The stock has recovered significantly from its multi-year lows, trading well above its 200-day average, yet the revenue contraction creates a ceiling on near-term momentum. The 2.25% dividend yield provides a necessary floor, but the lack of revenue expansion suggests the market is pricing in a period of stagnation rather than explosive growth. With analysts maintaining a neutral stance and the statistical forecast showing only a modest upward lean, the stock appears to be in a consolidation phase where the thesis relies entirely on the quality of earnings per share rather than sales volume. |
| Model | MAE |
|---|---|
| AutoTheta ✓ | 0.110104 |
| AutoETS | 0.111350 |
| MSTL | 0.113041 |
| AutoARIMA | 0.117477 |
Forecast horizon: 45 days | Selected: AutoTheta
| Forecast Reliability | |
|---|---|
| Score | 57% |
| H-stat | 11.43 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.659 |
| Excess Kurtosis | -0.66 |
| Attribute | Value |
|---|---|
| Sector | Industrials |
| Ex Dividend Date | 2026-09-03 |
| Last Dividend Date | 2026-06-04 |
| Debt to Equity Ratio | 34.394 |
| Revenue per Share | 16.624 |
| Market Cap | 725,468,352 |
| Trailing P/E | 20.53 |
| Forward P/E | 15.63 |
| Beta | 0.42 |
| Profit Margins | 17.08% |
| Website | https://www.cassinfo.com |
As of Aug. 22, 2026, 2:17 a.m. EDT: Speculators are positioning for a modest upside move in the near term, evidenced by significant out-of-the-money call open interest at the $60 strike for the August expiration, which sits above current prices. Conversely, put activity is concentrated deep in-the-money ($25-$45 strikes) for December expirations, suggesting a hedge against a severe crash rather than a bet on a moderate decline. Implied volatility is elevated for the immediate August expiry compared to later dates, indicating heightened uncertainty around the upcoming earnings event.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 0.67% | 2.85% | 2.84% | 2.82% |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-06-05 | 0.320000 | 0.673401 |
| 2026-03-03 | 0.320000 | 0.710637 |
| 2025-12-05 | 0.320000 | 0.741943 |
| 2025-09-05 | 0.310000 | 0.720260 |
| 2025-06-03 | 0.310000 | 0.733207 |
| 2025-03-04 | 0.310000 | 0.724807 |
| 2024-12-03 | 0.310000 | 0.695223 |
| 2024-09-03 | 0.300000 | 0.716846 |
| 2024-06-04 | 0.300000 | 0.718219 |
| 2024-03-04 | 0.300000 | 0.627746 |
| 2023-12-04 | 0.300000 | 0.698975 |
| 2023-09-01 | 0.290000 | 0.757378 |
| 2023-06-02 | 0.290000 | 0.720139 |
| 2023-03-02 | 0.290000 | 0.607203 |
| 2022-12-02 | 0.290000 | 0.667741 |
| 2022-09-01 | 0.280000 | 0.782998 |
| 2022-06-02 | 0.280000 | 0.820633 |
| 2022-03-03 | 0.280000 | 0.706001 |
| 2021-12-02 | 0.280000 | 0.672592 |
| 2021-09-02 | 0.270000 | 0.604297 |
| 2021-06-03 | 0.270000 | 0.593407 |
| 2021-03-04 | 0.270000 | 0.608519 |
| 2020-12-03 | 0.270000 | 0.635294 |
| 2020-09-03 | 0.270000 | 0.694444 |
| 2020-06-04 | 0.270000 | 0.644238 |
| 2020-03-02 | 0.270000 | 0.564499 |
| 2019-12-02 | 0.270000 | 0.484392 |
| 2019-08-30 | 0.260000 | 0.513834 |
| 2019-06-03 | 0.260000 | 0.577778 |
| 2019-03-04 | 0.260000 | 0.502707 |
| 2018-12-03 | 0.260000 | 0.469399 |
| 2018-08-31 | 0.216667 | 0.363484 |
| 2018-06-04 | 0.216667 | 0.412896 |
| 2018-03-02 | 0.200000 | 0.397088 |
| 2017-12-04 | 0.200000 | 0.387284 |
| 2017-08-31 | 0.174242 | 0.375693 |
| 2017-05-31 | 0.174242 | 0.375571 |
| 2017-03-01 | 0.174242 | 0.346072 |
| 2016-12-01 | 0.174242 | 0.328242 |
| 2016-08-31 | 0.166667 | 0.384280 |
| 2016-06-01 | 0.166667 | 0.452490 |
| 2016-03-02 | 0.166667 | 0.432221 |
| 2015-12-02 | 0.166667 | 0.420249 |
| 2015-09-02 | 0.159091 | 0.434243 |
| 2015-06-03 | 0.159091 | 0.411926 |
| 2015-03-03 | 0.159091 | 0.423815 |
| 2014-12-03 | 0.159091 | 0.428397 |
| 2014-09-03 | 0.151515 | 0.429830 |
| 2014-06-03 | 0.151515 | 0.408413 |
| 2014-03-03 | 0.151515 | 0.394555 |
| 2013-12-03 | 0.151515 | 0.330797 |
| 2013-09-03 | 0.136364 | 0.330822 |
| 2013-05-31 | 0.136364 | 0.401071 |
| 2013-03-01 | 0.136364 | 0.430006 |
| 2012-12-03 | 0.124242 | 0.381483 |
| 2012-08-31 | 0.117080 | 0.424788 |
| 2012-06-01 | 0.117080 | 0.475791 |
| 2012-03-01 | 0.117080 | 0.447369 |
| 2011-12-01 | 0.117080 | 0.479144 |
| 2011-08-31 | 0.110193 | 0.442234 |
| 2011-06-01 | 0.110193 | 0.406195 |
| 2011-03-02 | 0.110193 | 0.416667 |
| 2010-12-01 | 0.110193 | 0.442969 |
| 2010-09-01 | 0.096419 | 0.414080 |
| 2010-06-02 | 0.096419 | 0.422579 |
| 2010-03-03 | 0.096419 | 0.452052 |
| 2009-12-02 | 0.096419 | 0.482760 |
| 2009-09-02 | 0.089532 | 0.428620 |
| 2009-06-03 | 0.089532 | 0.420850 |
| 2009-03-03 | 0.089532 | 0.522090 |
| 2008-12-03 | 0.089532 | 0.383482 |
| 2008-09-03 | 0.082645 | 0.325029 |
| 2008-06-03 | 0.082645 | 0.375824 |
| 2008-03-03 | 0.082645 | 0.431191 |
| 2007-11-29 | 0.075069 | 0.291211 |
| 2007-08-31 | 0.075131 | 0.354922 |
| 2007-06-01 | 0.075131 | 0.367757 |
| 2007-03-01 | 0.075131 | 0.349852 |
| 2006-12-01 | 0.075131 | 0.319827 |
| 2006-08-30 | 0.066784 | 0.315460 |
| 2006-06-01 | 0.066784 | 0.322323 |
| 2006-03-01 | 0.066784 | 0.484705 |
| 2005-12-01 | 0.066784 | 0.504735 |
| 2005-08-31 | 0.058436 | 0.381821 |
| 2005-06-01 | 0.058436 | 0.525004 |
| 2005-03-02 | 0.058436 | 0.555266 |
| 2004-12-01 | 0.058436 | 0.600176 |
| 2004-09-01 | 0.058436 | 0.527112 |
| 2004-06-03 | 0.058436 | 0.527642 |
| 2004-03-03 | 0.058436 | 0.663512 |
| 2003-12-03 | 0.053123 | 0.682036 |
| 2003-09-03 | 0.053123 | 0.676543 |
| 2003-06-03 | 0.053123 | 0.765860 |
| 2003-03-03 | 0.053123 | 0.777774 |
| 2002-12-03 | 0.053123 | 0.817117 |
| 2002-09-03 | 0.048184 | 0.877186 |
| 2002-06-03 | 0.048184 | 0.799994 |
| 2002-03-01 | 0.048184 | 0.805147 |
| 2001-12-03 | 0.048184 | 0.847451 |
| 2001-08-31 | 0.048184 | 1.012650 |
| 2001-06-01 | 0.048184 | 0.973229 |
| 2001-03-01 | 0.048184 | 0.987647 |
| 2000-12-01 | 0.048184 | 1.103440 |
| 2000-08-31 | 0.048184 | 1.038953 |
| 2000-06-01 | 0.048184 | 0.958076 |
| 2000-03-01 | 0.048184 | 0.987647 |
| 1999-12-01 | 0.045775 | 0.858754 |
| 1999-09-01 | 0.043366 | 0.750001 |
| 1999-06-02 | 0.043366 | 0.734695 |
| 1999-03-03 | 0.043366 | 0.730966 |
| 1998-12-02 | 0.043366 | 0.716419 |
| 1998-09-02 | 0.043366 | 0.666668 |
| 1998-06-03 | 0.043366 | 0.587756 |
| 1998-03-03 | 0.043366 | 0.512456 |
| 1997-12-03 | 0.031320 | 0.520003 |
| 1997-09-03 | 0.031320 | 0.525255 |
| 1997-06-03 | 0.031320 | 0.650003 |
| 1997-03-03 | 0.031320 | 0.619051 |
| 1996-12-03 | 0.030115 | 0.636938 |
| 1996-09-03 | 0.006987 | 0.161117 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.31073582 |
| Address1 | 12,444 Powerscourt Drive |
| Address2 | Suite 550 |
| All Time High | 62.075 |
| All Time Low | 4.125787 |
| Ask | 73.22 |
| Ask Size | 2 |
| Audit Risk | 3 |
| Average Daily Volume10 Day | 90,190 |
| Average Daily Volume3 Month | 85,079 |
| Average Volume | 85,079 |
| Average Volume10Days | 90,190 |
| Beta | 0.422 |
| Bid | 56.63 |
| Bid Size | 2 |
| Board Risk | 4 |
| Book Value | 19.105 |
| City | Saint Louis |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 4 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 56.65 |
| Current Ratio | 1.013 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 57.41 |
| Day Low | 56.41 |
| Debt To Equity | 34.394 |
| Display Name | Cass Information Systems |
| Dividend Date | 1,789,344,000 |
| Dividend Rate | 1.28 |
| Dividend Yield | 2.25 |
| Earnings Growth | 0.243 |
| Earnings Quarterly Growth | 0.196 |
| Earnings Timestamp | 1,784,809,800 |
| Earnings Timestamp End | 1,792,672,200 |
| Earnings Timestamp Start | 1,792,672,200 |
| Ebitda | 70,122,000 |
| Ebitda Margins | 0.32616 |
| Enterprise To Ebitda | 8.288 |
| Enterprise To Revenue | 2.703 |
| Enterprise Value | 581,144,320 |
| Eps Current Year | 2.985 |
| Eps Forward | 3.625 |
| Eps Trailing Twelve Months | 2.76 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,788,480,000 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 54.532 |
| Fifty Day Average Change | 2.118 |
| Fifty Day Average Change Percent | 0.03883958 |
| Fifty Two Week Change Percent | 31.073582 |
| Fifty Two Week High | 59.63 |
| Fifty Two Week High Change | -2.9799995 |
| Fifty Two Week High Change Percent | -0.049974836 |
| Fifty Two Week Low | 36.07 |
| Fifty Two Week Low Change | 20.580002 |
| Fifty Two Week Low Change Percent | 0.5705573 |
| Fifty Two Week Range | 36.07 - 59.63 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 836,314,200,000 |
| Five Year Avg Dividend Yield | 2.82 |
| Float Shares | 11,239,957 |
| Forward Eps | 3.625 |
| Forward P E | 15.627586 |
| Free Cashflow | 94,539,624 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 910 |
| Fullday Change | -0.18 |
| Fullday Change Percent | -0.316735 |
| Fullday Price | 56.65 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,785,542,400 |
| Gross Margins | 0.4911 |
| Gross Profits | 105,583,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.11736 |
| Held Percent Institutions | 0.63423 |
| Implied Shares Outstanding | 12,806,149 |
| Industry | Specialty Business Services |
| Industry Disp | Specialty Business Services |
| Industry Key | specialty-business-services |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,780,617,600 |
| Last Dividend Value | 0.32 |
| Last Fiscal Year End | 1,767,139,200 |
| Last Split Date | 1,543,795,200 |
| Last Split Factor | 6:5 |
| Long Business Summary | Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-based ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and a leased facility in Colorado Springs, Colorado. Cass Information Systems, Inc. was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. The company was founded in 1906 and is headquartered in Saint Louis, Missouri. |
| Long Name | Cass Information Systems, Inc. |
| Market | us_market |
| Market Cap | 725,468,352 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_369520 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 36,716,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 727,389,263 |
| Number Of Analyst Opinions | 2 |
| Open | 57.23 |
| Operating Cashflow | 48,649,000 |
| Operating Margins | 0.316 |
| Overall Risk | 4 |
| Payout Ratio | 0.4585 |
| Phone | 314 506 5500 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 56.65 |
| Post Market Time | 1,787,959,806 |
| Previous Close | 56.83 |
| Price Eps Current Year | 18.978226 |
| Price Hint | 2 |
| Price To Book | 2.9651926 |
| Price To Sales Trailing12 Months | 3.374397 |
| Profit Margins | 0.17076999 |
| Quick Ratio | 0.856 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | -0.18 |
| Regular Market Change Percent | -0.316735 |
| Regular Market Day High | 57.41 |
| Regular Market Day Low | 56.41 |
| Regular Market Day Range | 56.41 - 57.41 |
| Regular Market Open | 57.23 |
| Regular Market Previous Close | 56.83 |
| Regular Market Price | 56.65 |
| Regular Market Time | 1,787,947,201 |
| Regular Market Volume | 64,610 |
| Return On Assets | 0.016280001 |
| Return On Equity | 0.15125 |
| Revenue Growth | 0.122 |
| Revenue Per Share | 16.624 |
| Sand P52 Week Change | 0.20204377 |
| Sector | Industrials |
| Sector Disp | Industrials |
| Sector Key | industrials |
| Share Holder Rights Risk | 6 |
| Shares Outstanding | 12,806,149 |
| Shares Percent Shares Out | 0.026500002 |
| Shares Short | 338,789 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 311,403 |
| Short Name | Cass Information Systems, Inc |
| Short Percent Of Float | 0.0274 |
| Short Ratio | 4.57 |
| Source Interval | 15 |
| State | MO |
| Symbol | CASS |
| Target High Price | 61.0 |
| Target Low Price | 58.0 |
| Target Mean Price | 59.5 |
| Target Median Price | 59.5 |
| Total Cash | 228,472,992 |
| Total Cash Per Share | 17.841 |
| Total Debt | 84,149,000 |
| Total Revenue | 214,992,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 1.27 |
| Trailing Annual Dividend Yield | 0.022347352 |
| Trailing Eps | 2.76 |
| Trailing P E | 20.525362 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 47.14155 |
| Two Hundred Day Average Change | 9.508453 |
| Two Hundred Day Average Change Percent | 0.20170006 |
| Type Disp | Equity |
| Volume | 64,610 |
| Website | https://www.cassinfo.com |
| Zip | 63,131 |