Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Cass Information Systems's average EPS without NRIGrowth Rate was 75.60% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -0.90% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 1.00% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was 2.20% per year.
During the past 13 years, Cass Information Systems's highest 3-Year average EPS without NRI Growth Rate was 24.20% per year. The lowest was -12.30% per year. And the median was 5.10% per year.
Cass Information Systems (NAS:CASS) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Cass Information Systems Earnings per Share (Diluted) Related Terms
Cass Information Systems Earnings per Share (Diluted) Historical Data
* Premium members only.
The historical data trend for Cass Information Systems's Earnings per Share (Diluted) can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cass Information Systems Earnings per Share (Diluted) Chart
CASS vs TRNS, BKSY, KODK: Earnings per Share (Diluted) Comparison
For the Specialty Business Services subindustry, Cass Information Systems's PE Ratio, along with its competitors' market caps and PE Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cass Information Systems PE Ratio vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's PE Ratio distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's PE Ratio falls into.
Cass Information Systems Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Cass Information Systems's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.78
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $2.78 mean?
Cass Information Systems (CASS) has a Earnings per Share (Diluted) of $2.78 as of Jun. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cass Information Systems and its competitors. According to the industry distribution chart, Cass Information Systems ranks #518 out of 805 companies in the Business Services industry, placing it in the top 64.3%.
Is Cass Information Systems' Earnings per Share (Diluted) too high?
Cass Information Systems' current Earnings per Share (Diluted) is $2.78. The Business Services industry median Earnings per Share (Diluted) is 7.50. Cass Information Systems' value of $2.78 is 62.9% below this industry median. Based on the distribution chart, Cass Information Systems ranks #518 out of 805 companies in the Business Services industry, which is below the industry midpoint. Overall, Cass Information Systems has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cass Information Systems' Earnings per Share (Diluted) compare to TRNS and BKSY?
According to the Business Services industry distribution chart, Cass Information Systems ranks #518 out of 805 companies for Earnings per Share (Diluted). This places Cass Information Systems in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.50. Cass Information Systems' value of $2.78 is 62.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Business Services company?
The median Earnings per Share (Diluted) among Business Services companies is 7.50, based on 805 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current Earnings per Share (Diluted) of $2.78 is 62.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median Earnings per Share (Diluted) is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current Earnings per Share (Diluted) is $2.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cass Information Systems stock overvalued right now?
Based on GuruFocus' analysis, Cass Information Systems (CASS) is currently considered Modestly Overvalued. The stock's GF Value™ is $49.80, compared to a current price of $56.36 — trading 13.2% above its estimated fair value. The current Earnings per Share (Diluted) is $2.78 and 62.9% below the Business Services industry median of 7.50. Cass Information Systems' overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Cass Information Systems (CASS), the current Earnings per Share (Diluted) is $2.78 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cass Information Systems (CASS) Overvalued in 2026?
Based on GuruFocus' analysis, Cass Information Systems stock appears to be overvalued.
The current stock price of $56.36 is trading 13.2% above its estimated GF Value™ of $49.80.
GuruFocus considers Cass Information Systems to be Modestly Overvalued.
Key valuation signals for CASS:
Earnings per Share (Diluted): $2.78
GF Value™: $49.80 vs. price of $56.36 (13.2% above fair value)
Industry Position: 62.9% below the Business Services median (#518 of 805)
No single metric tells the full story. See the CASS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cass Information Systems Inc is a provider of payment and information processing services to large manufacturing, distribution, and retail enterprises across the United States. The company provides transportation invoice rating, payment processing, auditing, accounting, and transportation information. It is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility-related expenses. Additionally, the firm has a banking subsidiary, offering banking services mainly to privately held businesses in the St. Louis metropolitan area and restaurant franchises and faith-based ministries within the United States. The company operates in two reportable segments: Information Services, which generates the maximum revenue, and Banking Services.
62GF Score
Get the complete analysis for CASS
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CASS has been successfully added to your 
