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CASS INFORMATION SYSTEMS INC CASS

Nasdaq · stock · Services-Business Services, NEC · website · IPO 1996-07-01 · LEI

CASS INFORMATION SYSTEMS INC statistics & valuation

Market cap$663.8M
P / E18.9×
P / S3.5×
P / B2.7×
P / FCF20.0×
Dividend yield2.49%
Net margin18.4%
Return on equity14.5%
FCF margin17.4%
Graham number -43.8%$32.56

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($32.56); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
19.40% 18.50% 20.40% 19.30% 17.40% 18.60% 19.10% 17.00% 10.60% 18.40% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
11.70% 11.10% 13.20% 12.50% 9.60% 11.60% 16.90% 13.10% 8.40% 14.50% 2016201720182019202020212022202320242025
Shares outstanding
14.9M 14.9M 14.9M 14.7M 14.6M 14.3M 13.8M 13.8M 13.8M 13.5M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.60% 1.60% 1.80% 1.70% 1.10% 1.10% 1.40% 1.20% 0.80% 1.30% 2016201720182019202020212022202320242025
Free cash flow margin (%)
24.30% 25.70% 29.60% 25.10% 31.60% 19.60% 25.10% 14.10% 16.80% 17.40% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.63 $1.68 $2.03 $2.07 $1.73 $2.00 $2.53 $2.18 $1.39 $2.61 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CASS INFORMATION SYSTEMS INC trades at about 22.2× earnings — near its 10-year norm (10-year range 17.2×–30.6×, median 24.2×).

17.2× 30.6×

Shaded band = 10-year range (17.2×–30.6×); dot = today's 22.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin18.4%10.6%17.0%19.1%18.6%17.4%19.3%20.4%18.5%19.4%
FCF margin17.4%16.8%14.1%25.1%19.6%31.6%25.1%29.6%25.7%24.3%
Return on assets1.3%0.8%1.2%1.4%1.1%1.1%1.7%1.8%1.6%1.6%
Return on equity14.5%8.4%13.1%16.9%11.6%9.6%12.5%13.2%11.1%11.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.