Stock Fundamentals

Company Information

Company Name
Cass Information Systems Inc
Sector
Industrials
Industry
Specialty Business Services
Exchange
NASDAQ
ISIN: US14808P1093
CIK: 0000708781
CUSIP: 147741102
Currency: USD
Full Time Employees: 1,000
Phone: 314 506 5500
Fiscal Year End: December
IPO Date: Jul 01, 1996
Description:

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. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in Saint Louis, Missouri.

Address:

12444 Powerscourt Drive, Saint Louis, MO, United States, 63131

Directors & Officers

Name Title Year Born
Mr. Martin H. Resch President, CEO & Director 1966
Mr. Michael James Normile CPA Executive VP & CFO 1951
Mr. James M. Cavellier Jr. Executive VP & Chief Information Officer 1968
Mr. Matthew Steven Schuckman J.D. Executive VP, General Counsel & Corporate Secretary 1974
Mr. Dwight D. Erdbruegger President & COO of Cass Commercial Bank 1959
Christi A. Reiter Senior Vice President & Chief HR Officer NA
Mr. Mark A. Campbell Senior Vice President of Strategy & Business Operations 1963
Jeanne M. Scannell Chief Credit Officer of Cass Commercial Bank NA
Mr. Todd Wills Senior VP & President of Utility Expense Management NA
Mr. Anthony G. Urban Executive Vice President of Transportation Information Services NA

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
BlackRock Inc 962.79K Sep 30, 2025 7.48% $0.00 -3.97%
Vanguard Group Inc 790.91K Dec 31, 2025 6.14% $0.00 -2.98%
Heartland Advisors Inc 466.58K Sep 30, 2025 3.63% $0.97 -0.27%
Speece Thorson Capital Group Inc 364.60K Dec 31, 2025 2.83% $3.28 3.85%
Dimensional Fund Advisors, Inc. 354.26K Dec 31, 2025 2.75% $0.00 -6.51%
Geode Capital Management, LLC 335.49K Sep 30, 2025 2.61% $0.00 14.25%
State Street Corp 330.03K Sep 30, 2025 2.56% $0.00 -0.90%
ProShare Advisors LLC 318.11K Dec 31, 2025 2.47% $0.02 5.33%
Tributary Capital Management, LLC 275.55K Sep 30, 2025 2.14% $0.98 -3.71%
Arrowstreet Capital Limited Partnership 143.51K Dec 31, 2025 1.12% $0.00 40.89%
Northern Trust Corp 116.28K Sep 30, 2025 0.90% $0.00 -1.43%
Charles Schwab Investment Management Inc 98.26K Dec 31, 2025 0.76% $0.00 -2.17%
CSM Advisors, LLC 90.20K Sep 30, 2025 0.70% $0.10 -3.16%
Teacher Retirement System Of Texas 85.83K Dec 31, 2025 0.67% $0.01 85.58%
Uniplan Investment Counsel, Inc. 83.77K Sep 30, 2025 0.65% $0.32 -14.26%
Bank of New York Mellon Corp 81.61K Sep 30, 2025 0.63% $0.00 -3.22%
Hotchkis & Wiley Capital Management LLC 79.31K Dec 31, 2025 0.62% $0.01 11.96%
Royce & Associates, LP 77.95K Dec 31, 2025 0.61% $0.03 -48.56%
Renaissance Technologies Corp 77.46K Dec 31, 2025 0.60% $0.01 57.25%
Morgan Stanley - Brokerage Accounts 74.18K Sep 30, 2025 0.58% $0.00 -18.59%

Shares Statistics

Shares Outstanding: 12.87M
Shares Float: 11.31M
% Insiders: 1,196.20%
% Institutions: 6,609.20%
Short % Float: 1.93%

🏆 Top 10 Institutional Holders

Rank Holder Name Shares Held % of Shares Change Date Reported
1 BlackRock Inc 962.79K 7.48% ▼ 3.97% Sep 30, 2025
2 Vanguard Group Inc 790.91K 6.14% ▼ 2.98% Dec 31, 2025
3 Heartland Advisors Inc 466.58K 3.63% ▼ 0.27% Sep 30, 2025
4 Speece Thorson Capital Group Inc 364.60K 2.83% ▲ 3.85% Dec 31, 2025
5 Dimensional Fund Advisors, Inc. 354.26K 2.75% ▼ 6.51% Dec 31, 2025
6 Geode Capital Management, LLC 335.49K 2.61% ▲ 14.25% Sep 30, 2025
7 State Street Corp 330.03K 2.56% ▼ 0.90% Sep 30, 2025
8 ProShare Advisors LLC 318.11K 2.47% ▲ 5.33% Dec 31, 2025
9 Tributary Capital Management, LLC 275.55K 2.14% ▼ 3.71% Sep 30, 2025
10 Arrowstreet Capital Limited Partnership 143.51K 1.12% ▲ 40.89% Dec 31, 2025

Valuation Metrics

Enterprise Value: $178.95M
Trailing P/E: 19.21
Forward P/E: 0.00

Financial Highlights

Market Cap: $580.68M
EBITDA: $63.35M
P/E Ratio: $19.21
PEG Ratio: $0.00
Book Value: $18.88
Dividend/Share: $1.25
Dividend Yield: 2.78%
Earnings/Share: $2.31
Profit Margin: 16.93%
Operating Margin: 28.12%
ROA (TTM): 1.40%
ROE (TTM): 13.18%
Revenue (TTM): $207.42M
Revenue/Share (TTM): $15.74
Earnings Growth (YOY): 88.00%
Revenue Growth (YOY): -3.10%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Download Financials (Excel)

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Yearly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Earnings Per Share (EPS) History

Financial Ratios (Yearly)

Financial Ratios (Quarterly)

Earnings History

Balance Sheet (Yearly)

Financial Ratios

Date Current Ratio Debt/Equity Debt/Assets Interest Coverage Debt/EBITDA
2025-12-31 1.10x 0.00x 0.91x 2.37x 0.00x
2024-12-31 0.80x 0.01x 0.90x 24,220.00x 0.09x
2023-12-31 0.76x 0.01x 0.91x 323.03x 0.03x
2022-12-31 0.72x 0.01x 0.92x 12.32x 0.03x
2021-12-31 0.79x 0.00x 0.90x 28.88x 0.00x
2020-12-31 0.94x 0.01x 0.88x 15,171.50x 0.04x
2019-12-31 0.82x 0.07x 0.86x 18,733.00x 0.43x
2018-12-31 0.92x 0.00x 0.86x 9.73x 0.00x
2017-12-31 0.11x 0.00x 0.89x 15.96x 0.00x
2016-12-31 0.20x 0.00x 0.86x 15.80x 0.00x
2015-12-31 0.13x 0.00x 0.86x 14.04x 0.00x
2014-12-31 0.14x 0.00x 0.87x 12.92x 0.00x
2013-12-31 0.12x 0.00x 0.86x 10.85x 0.00x
2012-12-31 0.06x 0.00x 0.86x 9.91x 0.00x
2011-12-31 0.19x 0.00x 0.88x 7.20x 0.00x
2010-12-31 0.14x 0.00x 0.88x 5.73x 0.00x
2009-12-31 0.11x 0.00x 0.87x 166.93x 0.00x
2008-12-31 0.01x 0.03x 0.88x 131.49x 0.10x
2007-12-31 0.03x 0.04x 0.89x 109.93x 0.13x
2006-12-31 149.14x 0.05x 0.90x 116.23x 0.15x
2005-12-31 157.24x 0.05x 0.91x 4.12x 0.18x
2004-12-31 182.13x 0.05x 0.90x 3.66x 0.25x
2003-12-31 144.34x 0.00x 0.90x 7.10x 0.01x
2002-12-31 0.72x 0.61x 0.89x 5.53x 2.26x
2001-12-31 172.71x 0.00x 0.91x 3.78x 0.01x
2000-12-31 N/A 0.00x 0.91x 3.12x 0.00x
1999-12-31 635.00x 0.00x 0.89x 3.18x 0.01x
1998-12-31 607.33x 0.01x 0.89x 3.70x 0.02x
1997-12-31 255.50x 0.01x 0.88x 3.47x 0.02x
1996-12-31 28.24x 0.05x 0.89x 3.09x 0.15x
1995-12-31 N/A 0.00x 0.90x 3.27x 0.00x

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Aug 01, 2025 Michael James Normile N/A Purchase 200.00 $39.61 $7.92K
Apr 21, 2025 Michael James Normile N/A Purchase 250.00 $39.25 $9.81K

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