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46.65 (1y: +32%)
Market Cap 540.38 M P/E(ttm) 23.20
Enterprise Value 540.38 M P/B 3.00
CASS- NAS (USA)
Cass Information Systems, Inc.
  • Currently 3.5/5
Business Predictability Rank: 3.5-Star
Back Testing Results:
Average gain of all 3.5-Star stocks: 9.3% per year.
% of Stocks that are in still loss if held for 10yrs: 9%.
Read more:
What is Predictability Rank?
Performances of real portfolio
Top Ranked Predictable Companies
$46.65
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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 8/10

vs
industry		 vs
history
Cash to Debt No Debt
CASS's Cash to Debt is ranked higher than
96% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.99 vs. CASS: No Debt )
CASS' s 10-Year Cash to Debt Range
Min: 0.65   Max: No Debt
Current: No Debt
Equity to Asset 0.135
CASS's Equity to Asset is ranked lower than
62% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.45 vs. CASS: 0.135 )
CASS' s 10-Year Equity to Asset Range
Min: 0.09   Max: 0.14
Current: 0.14
0.09
0.14
Interest Coverage No Debt
CASS's Interest Coverage is ranked higher than
91% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 7.60 vs. CASS: No Debt )
CASS' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
F-Score: 4
Z-Score: 0.63
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry		 vs
history
Operating margin (%) 27.40
CASS's Operating margin (%) is ranked higher than
94% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 5.50 vs. CASS: 27.40 )
CASS' s 10-Year Operating margin (%) Range
Min: 16.9   Max: 29
Current: 27.4
16.9
29
Net-margin (%) 20.5
CASS's Net-margin (%) is ranked higher than
93% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 3.30 vs. CASS: 20.5 )
CASS' s 10-Year Net-margin (%) Range
Min: 11.9   Max: 21.2
Current: 20.5
11.9
21.2
ROE (%) 13.4
CASS's ROE (%) is ranked higher than
79% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 6.40 vs. CASS: 13.4 )
CASS' s 10-Year ROE (%) Range
Min: 11   Max: 18
Current: 13.4
11
18
ROA (%) 1.8
CASS's ROA (%) is ranked higher than
55% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 3.10 vs. CASS: 1.8 )
CASS' s 10-Year ROA (%) Range
Min: 1.1   Max: 2.1
Current: 1.8
1.1
2.1
Revenue Growth (%) 5.6
CASS's Revenue Growth (%) is ranked higher than
84% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: 5.6 )
CASS' s 10-Year Revenue Growth (%) Range
Min: 1.9   Max: 9.4
Current: 5.6
1.9
9.4
EBITDA Growth (%) 10
CASS's EBITDA Growth (%) is ranked higher than
88% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: 10 )
CASS' s 10-Year EBITDA Growth (%) Range
Min: -0.3   Max: 17.2
Current: 10
-0.3
17.2
EPS Growth (%) 9
CASS's EPS Growth (%) is ranked higher than
87% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: 9 )
CASS' s 10-Year EPS Growth (%) Range
Min: 1.8   Max: 21.6
Current: 9
1.8
21.6
» CASS's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades
Q2 2012

CASS Guru Trades in Q2 2012

Chuck Royce 16,500 sh (unchged)
» More
Q3 2012

CASS Guru Trades in Q3 2012

Chuck Royce 26,500 sh (+60.61%)
» More
Q4 2012

CASS Guru Trades in Q4 2012

Chuck Royce 29,150 sh (+10%)
» More
Q1 2013

CASS Guru Trades in Q1 2013

Third Avenue Management 155,023 sh (New)
Jim Simons 10,489 sh (New)
Chuck Royce 29,150 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with CASS



No Insider Trades Found!
» Financial Charts

Peter Lynch Chart

Ratios

vs
industry		 vs
history
P/E(ttm) 23.20
CASS's P/E(ttm) is ranked higher than
51% of the 661 Companies
in the Global Business Services industry.

( Industry Median: 18.80 vs. CASS: 23.20 )
CASS' s 10-Year P/E(ttm) Range
Min: 8.69   Max: 23.86
Current: 23.2
8.69
23.86
P/B 3.00
CASS's P/B is ranked lower than
56% of the 766 Companies
in the Global Business Services industry.

( Industry Median: 2.03 vs. CASS: 3.00 )
CASS' s 10-Year P/B Range
Min: 1.09   Max: 3.92
Current: 3
1.09
3.92
P/S 4.70
CASS's P/S is ranked lower than
69% of the 847 Companies
in the Global Business Services industry.

( Industry Median: 1.16 vs. CASS: 4.70 )
CASS' s 10-Year P/S Range
Min: 1.14   Max: 4.9
Current: 4.7
1.14
4.9
PFCF 21.30
CASS's PFCF is ranked higher than
50% of the 618 Companies
in the Global Business Services industry.

( Industry Median: 16.00 vs. CASS: 21.30 )
CASS' s 10-Year PFCF Range
Min: 5.01   Max: 21.5
Current: 21.3
5.01
21.5
EV-to-EBIT 17.9
CASS's EV-to-EBIT is ranked lower than
52% of the 653 Companies
in the Global Business Services industry.

( Industry Median: 13.37 vs. CASS: 17.9 )
CASS' s 10-Year EV-to-EBIT Range
Min: 2.9   Max: 14.1
Current: 17.9
2.9
14.1
PEG 2.8
CASS's PEG is ranked higher than
55% of the 294 Companies
in the Global Business Services industry.

( Industry Median: 1.98 vs. CASS: 2.8 )
CASS' s 10-Year PEG Range
Min: 0.65   Max: 4.05
Current: 2.8
0.65
4.05
Shiller P/E 25.1
CASS's Shiller P/E is ranked lower than
100% of the Companies
in the Global Business Services industry.

( Industry Median: vs. CASS: 25.1 )
CASS' s 10-Year Shiller P/E Range
Min: 14.97   Max: 33.68
Current: 25.1
14.97
33.68

Dividend & Buy Back

vs
industry		 vs
history
Dividend Yield 1.50
CASS's Dividend Yield is ranked higher than
57% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. CASS: 1.50 )
CASS' s 10-Year Dividend Yield Range
Min: 1.09   Max: 4.63
Current: 1.5
1.09
4.63
Dividend Payout 0.3305
CASS's Dividend Payout is ranked higher than
73% of the 434 Companies
in the Global Business Services industry.

( Industry Median: 0.50 vs. CASS: 0.3305 )
CASS' s 10-Year Dividend Payout Range
Min: 0.24   Max: 0.47
Current: 0.33
0.24
0.47
Dividend growth (3y) 10.1
CASS's Dividend growth (3y) is ranked higher than
93% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: 10.1 )
CASS' s 10-Year Dividend growth (3y) Range
Min: 1.9   Max: 10.1
Current: 10.1
1.9
10.1
Yield on cost (5-Year) 2.68
CASS's Yield on cost (5-Year) is ranked higher than
69% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.95 vs. CASS: 2.68 )
CASS' s 10-Year Yield on cost (5-Year) Range
Min: 1.95   Max: 8.27
Current: 2.68
1.95
8.27
Share Buyback Rate -0.5
CASS's Share Buyback Rate is ranked lower than
56% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: -0.5 )
CASS' s 10-Year Share Buyback Rate Range
Min: 4.3   Max: -0.5
Current: -0.5

Valuation & Return

vs
industry		 vs
history
Price/Tangible Book 3.4
CASS's Price/Tangible Book is ranked lower than
51% of the 548 Companies
in the Global Business Services industry.

( Industry Median: 2.60 vs. CASS: 3.4 )
CASS' s 10-Year Price/Tangible Book Range
Min: 1.1   Max: 4.1
Current: 3.4
1.1
4.1
Price/DCF (Projected) 1.4
CASS's Price/DCF (Projected) is ranked higher than
55% of the 353 Companies
in the Global Business Services industry.

( Industry Median: 1.20 vs. CASS: 1.4 )
CASS' s 10-Year Price/DCF (Projected) Range
Min: 0.6   Max: 1.5
Current: 1.4
0.6
1.5
Price/Median PS Value 1.5
CASS's Price/Median PS Value is ranked lower than
63% of the 738 Companies
in the Global Business Services industry.

( Industry Median: 1.10 vs. CASS: 1.5 )
CASS' s 10-Year Price/Median PS Value Range
Min: 0.4   Max: 1.4
Current: 1.5
0.4
1.4
Price/Peter Lynch Fair Value 3.3
CASS's Price/Peter Lynch Fair Value is ranked lower than
64% of the 162 Companies
in the Global Business Services industry.

( Industry Median: 1.70 vs. CASS: 3.3 )
CASS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.7   Max: 3.2
Current: 3.3
0.7
3.2
Price/Graham Number 1.9
CASS's Price/Graham Number is ranked lower than
51% of the 431 Companies
in the Global Business Services industry.

( Industry Median: 1.50 vs. CASS: 1.9 )
CASS' s 10-Year Price/Graham Number Range
Min: 0.7   Max: 1.9
Current: 1.9
0.7
1.9
Earnings Yield (Greenblatt) 5.60
CASS's Earnings Yield (Greenblatt) is ranked higher than
62% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 5.40 vs. CASS: 5.60 )
CASS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 5.6   Max: 35.1
Current: 5.6
5.6
35.1
Forward Rate of Return (Yacktman) 10.71
CASS's Forward Rate of Return (Yacktman) is ranked higher than
87% of the 946 Companies
in the Global Business Services industry.

( Industry Median: 0.00 vs. CASS: 10.71 )
CASS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 9.5   Max: 24.9
Current: 10.71
9.5
24.9

Business Description

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution and retail enterprises from its processing centers in St. Louis, Missouri, Columbus, Ohio, Boston, Massachusetts, Greenville, South Carolina and Wellington, Kansas. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays utility invoices, which include electricity, gas and telecommunications expenses, and is a provider of telecom expense management solutions. It extracts, stores, and presents information from freight, utility and telecommunication invoices, assisting its customers' transportation, energy and information technology managers in making decisions that would enable them to improve operating performance. The company receives data from multiple sources, electronic and otherwise, and processes the data to accomplish the specific operating requirements of its customers. It then provides the data in a central repository for access and archiving. The data is finally transformed into information through the company's databases that allow client interaction as required and provide Internet-based tools for analytical processing. The company also, through Cass Commercial Bank, its St. Louis, Missouri based bank subsidiary, provides banking services in the St. Louis metropolitan area, Orange County, California and other selected cities in the United States. In addition to supporting the company's payment operations, the bank provides banking services to its target markets, which include privately owned businesses and churches and church-related ministries. The Company holds several trademarks for the payment and rating services it provides. These include: FreightPay, Transdata, TransInq, Ratemaker, Rate Advice, First Rate, Best Rate, Rate Exchange and CassPort.
Company Website
SEC Reports
Industry: Business Services
Compare:ADP, G, ENV, CMPGY, SGSOY
» More Articles for CASS

Headlines

Articles On GuruFocus.com
The Best Yielding Ex-Dividend Stocks on March 1, 2013 Feb 28 2013 
The Best Stocks with Dividend Growth from Last Week (October 15–21, 2012) Oct 21 2012 
Will be attractive ~ Feb 26 2012 
comment on CASS Oct 03 2011 
19 Dividend Stocks Heating Up Their Yields: AEP, BRO, CASS, EV, FCX Oct 25 2010 
Cass Information Systems Inc Reports Operating Results (10-Q) Nov 05 2009 
Cass Information Systems Inc (CASS) COO Transportation John F Pickering sells 1,000 Shares Oct 28 2009 
Cass Information Systems Inc Reports Operating Results (10-Q) Aug 06 2009 
Cass Information Systems Inc Reports Operating Results (10-Q) May 07 2009 

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