Cass Information Systems Inc (CASS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Cass Information Systems Inc stock (CASS) is currently trading at $44.16. Cass Information Systems Inc PE ratio is 18.81. Cass Information Systems Inc PS ratio (Price-to-Sales) is 2.74. Analyst consensus price target for CASS is $50.00. WallStSmart rates CASS as Hold.
- CASS PE ratio analysis and historical PE chart
- CASS PS ratio (Price-to-Sales) history and trend
- CASS intrinsic value — DCF, Graham Number, EPV models
- CASS stock price prediction 2025 2026 2027 2028 2029 2030
- CASS fair value vs current price
- CASS insider transactions and insider buying
- Is CASS undervalued or overvalued?
- Cass Information Systems Inc financial analysis — revenue, earnings, cash flow
- CASS Piotroski F-Score and Altman Z-Score
- CASS analyst price target and Smart Rating
Cass Information Systems Inc
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CASS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Cass Information Systems Inc (CASS)
CASS trades at a significant discount to its Graham intrinsic value of $108.11, offering a 58% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Cass Information Systems Inc (CASS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, eps growth, profit margin. Fundamentals are solid but monitor weak areas for improvement.
Cass Information Systems Inc (CASS) Key Strengths (4)
Earnings per share surging 87.60% year-over-year
Strong operational efficiency: $30 kept per $100 revenue
Strong profitability: $17 kept per $100 revenue
66.40% held by institutions, strong professional interest
Cass Information Systems Inc (CASS) Areas to Watch (5)
Modest revenue growth at 6.20%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.74x sales
Fairly priced relative to book value
Cass Information Systems Inc (CASS) Detailed Analysis Report
Overall Assessment
This company scores 60/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 8.5/10) while 5 fall into concern territory (avg 5.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on EPS Growth, Operating Margin, Profit Margin. Profitability is solid with Operating Margin at 29.70%, Profit Margin at 16.90%. Growth metrics are encouraging with EPS Growth at 87.60%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (2.74), Price/Book (2.30) suggest expensive pricing. Growth concerns include Revenue Growth at 6.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (EPS Growth, Operating Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CASS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CASS's Price-to-Sales ratio of 2.74x trades 46% below its historical average of 5.04x (0th percentile). The current valuation is 65% below its historical high of 7.76x set in Dec 2016, and 0% above its historical low of 2.74x in Mar 2026.
Compare CASS with Competitors
Top SPECIALTY BUSINESS SERVICES stocks by market cap
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Data-driven financial summary for Cass Information Systems Inc (CASS) · INDUSTRIALS › SPECIALTY BUSINESS SERVICES
The Big Picture
Cass Information Systems Inc is a mature, profitable business with steady cash generation. Revenue reached 207M with 6% growth year-over-year. Profit margins of 16.9% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 4M in free cash flow and 5M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor SPECIALTY BUSINESS SERVICES industry trends, competitive moves, and regulatory changes that could impact Cass Information Systems Inc.
Bottom Line
Cass Information Systems Inc is a well-established business delivering consistent profitability with 16.9% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(23 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 10:02:25 AM
About Cass Information Systems Inc(CASS)
NASDAQ
INDUSTRIALS
SPECIALTY BUSINESS SERVICES
USA
Cass Information Systems, Inc. provides information processing and payment services to manufacturing, distribution and retail companies in the United States. The company is headquartered in St. Louis, Missouri.