CASS INFORMATION SYSTEMS INC · Business Services, NEC

CASS

Low riskNext report: Around Jan 21, 2027 (est.)

View price ↗

The short version

A high-quality, profitable business with growing sales.

Going well

Sales up 13% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales growth speeding up

Money moves

No insider buying or selling in the last 30 days
Institutions cut 4.5% from their holdings in the quarter ending June 2026 (98 bought, 63 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$55.11+0.7% that day

Company value: $706M; Share price times all shares
Price vs profit (P/E): 19.8x; You pay about $20 for each $1 of yearly profit
Price vs sales: 3.5x; Company value is 3.5 times a year of sales
Dividend yield: 2.3%; Yearly dividend as a share of today's price
Cash vs value: 32%; A big cushion: cash is a large part of what the company is worth

From CASS's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$49.9M+12% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $199.0M, up 8.8% from the 12 months before. Over 5 years, sales grew about 5.6% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of CASS. Starting points are the company's recent numbers.

Sales growth+9% a yearRecently: +8.8% a yearProfit margin18%Last 12 months: 18.5%P/E at the end20xToday: 19.8x. Many steady companies trade at 12x to 25xShare count change-1% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$306M

Profit in 5 years$55M

Price these guesses point to$90.50+64% vs $55.11 todayAbout +10% a year, before dividends

What today's price needs: with a 18% margin and a 20x P/E, sales could shrink about 1.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

4/5Strong

MissReturn on equity 15%+Earns a lot on the money owners have in the business.14.9%
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.18.4%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$31.8M
PassShare count not growingNot diluting owners. Falling means buybacks.-2.5% in 3 years

Revenue: $190.8M; +5.3% vs prior year
5-year growth: +5.6%/yr; revenue, per year
Free cash flow: $31.8M; 16.7% of revenue

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: debt under half of equity, gross margin 40%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Sep 30, 2026

Reported Oct 22Before open8:20 am ET

Revenue: $52.7M; +5.5% YoY

From the press release, checked against last year's SEC filing. Cash flow and share count update with the 10-Q.

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

67/ 100

This week: 1
Normal week: 0.5
vs normal: 2.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Steady-4.5%

Institutions cut 4.5% from their holdings. 98 bought, 63 sold.

Shares held by institutions7.8M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-2.1%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

Total liabilities $2.3B

Shares outstandingLatest reported

13M

Earnings reports

Last 12

Next reportAround Jan 21, 2027 (est.)Estimated from the same quarter last year

Results filedOct 22
Results filedJul 23
Results filedApr 23
Results filedJan 22
Results filedOct 23, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Earnings resultsOct 22 · Form 8-K ↗Leadership changeOct 8 · Form 8-K ↗

Stock awardJoseph D RuppDirector

236 shares at $55.08 · $13K

+1% of holdings
Now owns 24,217 shares
Filed 1 day after trade

Sep 10Form 4 ↗

Stock awardRandall L SchillingDirector

236 shares at $55.08 · $13K

+1% of holdings
Now owns 33,886 shares
Filed 1 day after trade

Sep 10Form 4 ↗

Stock awardFrank WicksDirector

236 shares at $55.08 · $13K

+1% of holdings
Now owns 34,519 shares
Filed 1 day after trade

Sep 10Form 4 ↗

Quarterly reportAug 5 · Form 10-Q ↗Earnings resultsJul 23 · Form 8-K ↗11-KJun 29 · Form 11-K ↗

Stock awardJoseph D RuppDirector

262 shares at $49.44 · $13K

+1% of holdings
Now owns 23,981 shares
Filed 1 day after trade

Jun 11Form 4 ↗

Stock awardRandall L SchillingDirector

262 shares at $49.44 · $13K

+1% of holdings
Now owns 33,650 shares
Filed 1 day after trade

Jun 11Form 4 ↗

Stock awardFrank WicksDirector

262 shares at $49.44 · $13K

+1% of holdings
Now owns 34,283 shares
Filed 1 day after trade

Jun 11Form 4 ↗

Quarterly reportMay 5 · Form 10-Q ↗Insider tradeApr 27 · Form 4 ↗Insider tradeApr 27 · Form 4 ↗Insider tradeApr 27 · Form 4 ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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