Cass Information Systems Inc stock PB Ratio (=2.72) is close to 3-year high of 3.
The historical rank and industry rank for Cass Information Systems's PB Ratio or its related term are showing as below:
FRA:CC3'
s PB Ratio Range Over the Past 10 Years
Min: 1.82 Med: 2.57 Max: 4.1
Current: 2.72
During the past 13 years, Cass Information Systems's highest PB Ratio was 4.10. The lowest was 1.82. And the median was 2.57.
FRA:CC3's PB Ratio is ranked worse than 71.4% of 1049
companies
in the Business Services industry
Industry Median: 1.61
vs FRA:CC3: 2.72
During the past 12 months, Cass Information Systems's average Book Value Per Share Growth Rate was 7.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Cass Information Systems was 14.60% per year. The lowest was -3.60% per year. And the median was 7.45% per year.
Back to Basics: PB Ratio
Cass Information Systems (FRA:CC3) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Specialty Business Services subindustry, Cass Information Systems's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Business Services Industry
For the Business Services industry and Industrials sector, Cass Information Systems's PB Ratio distribution charts can be found below:
* The bar in red indicates where Cass Information Systems's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Cass Information Systems (FRA:CC3) has a PB Ratio of 2.74 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Cass Information Systems and its competitors. This is near median its historical median of 2.57. Over the past decade, Cass Information Systems' PB Ratio has ranged from 1.82 to 4.10. According to the industry distribution chart, Cass Information Systems ranks #749 out of 1049 companies in the Business Services industry, placing it in the top 71.4%.
Is Cass Information Systems' PB Ratio too high?
Cass Information Systems' current PB Ratio of 2.74 is near median its 10-year median of 2.57. Over the past 10 years, this metric has ranged from a low of 1.82 to a high of 4.10. The Business Services industry median PB Ratio is 1.61. Cass Information Systems' value of 2.74 is 70.2% above this industry median. Based on the distribution chart, Cass Information Systems ranks #749 out of 1049 companies in the Business Services industry, which is below the industry midpoint. Overall, Cass Information Systems has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Cass Information Systems' PB Ratio compare to TRNS and QUAD?
According to the Business Services industry distribution chart, Cass Information Systems ranks #749 out of 1049 companies for PB Ratio. This places Cass Information Systems in the lower half of its industry. The industry median PB Ratio is 1.61. Cass Information Systems' value of 2.74 is 70.2% above this benchmark. Historically, Cass Information Systems' own PB Ratio has ranged from 1.82 to 4.10 over the past decade. While the company's 10-year median is 2.57 vs. the industry median of 1.61, Cass Information Systems has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Business Services company?
The median PB Ratio among Business Services companies is 1.61, based on 1,049 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cass Information Systems's current PB Ratio of 2.74 is 70.2% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Cass Information Systems and its competitors. For the Business Services industry, the median PB Ratio is 1.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cass Information Systems's current PB Ratio is 2.74, which is near median its own 10-year median of 2.57. 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?
Cass Information Systems (FRA:CC3) has a current PB Ratio of 2.74. The stock's GF Value™ is €41.71, compared to a current price of €44.60 — trading 6.9% above its estimated fair value. The current PB Ratio is 2.74, which is near median its 10-year median of 2.57 and 70.2% above the Business Services industry median of 1.61. Cass Information Systems' overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Cass Information Systems (FRA:CC3), the current PB Ratio is 2.74 as of Jun. 26, 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 (FRA:CC3) Overvalued in 2026?
Based on GuruFocus' analysis, Cass Information Systems stock appears to be overvalued.
The current stock price of €44.60 is trading 6.9% above its estimated GF Value™ of €41.71.
Key valuation signals for FRA:CC3:
PB Ratio: 2.74 (near median its 10-year median of 2.57)
GF Value™: €41.71 vs. price of €44.60 (6.9% above fair value)
Industry Position: 70.2% above the Business Services median (#749 of 1049)
No single metric tells the full story. See the FRA:CC3 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.
61GF Score
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