Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across ...
Cass Information Systems, Inc. is a leading provider of specialized payment and information management services, helping enterprises optimize operational expenses. Founded in 1906 as a neighborhood bank, the company has evolved into a public company headquartered in St. Louis, Missouri. It operates through two segments: Information Services and Banking Services. ...Cass Information Systems, Inc. is a leading provider of specialized payment and information management services, helping enterprises optimize operational expenses. Founded in 1906 as a neighborhood bank, the company has evolved into a public company headquartered in St. Louis, Missouri. It operates through two segments: Information Services and Banking Services. Information Services handles the rating, payment processing, and auditing of freight invoices, along with managing utility and telecommunications expenses, and offers waste expense management. Banking Services, via Cass Commercial Bank, provides checking, savings, time deposits, commercial lending, and cash management for privately-owned businesses and religious organizations. The company also offers a modern B2B payment platform. Cass emphasizes accurate data insights and cost savings, targeting a broad range of industries. With 860 employees, the company has a strong financial position, with a market cap of around $746 million, a price-to-earnings ratio of 20.4, and a dividend yield of 2.2%. The current CEO, Martin H. Resch, has led the company since 2022. Cass is committed to building a diverse team and leverages its wholly-owned banking subsidiary to provide trusted financial services.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$191.1M
-13.1%
+2.8%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$35.1M
+83.2%
+19.9%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+100.0%
+17.2%
0.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+20.3%
+84.1%
+17.8%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+18.4%
+110.8%
+16.6%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$31.8M
+7.3%
+9.4%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+16.6%
+23.4%
+6.4%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
1.9%
—
-45.5%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
1.10x
—
—
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.
