Cass Information Systems (CC3) Stock Price & Analysis
CC3 Stock Chart & Stats
- Day’s Range
- EUR 47.60 - EUR 47.60
- 52-Week Range
- EUR 33.80 - EUR 51.00
- Previous Close
- EUR 48.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 602.73M
- Enterprise Value
- EUR 438.56M
- Total Cash (Recent Filing)
- EUR 1.06B
- Total Debt (Recent Filing)
- EUR 0
- Price to Earnings (P/E)
- 17.7
- Beta
- 0.31
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 0.71
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.29%
Bulls Say, Bears Say
Bulls Say
High Profitability And Cash Generation
Strong margins and close conversion of earnings into free cash flow indicate an efficient, cash-generative operating model. This supports reinvestment, dividends, and resilience while giving management flexibility to improve the platform and serve enterprise clients over the next several quarters.
Growing Payment Volumes And Client Wins
New client wins and higher processed dollar volumes can expand recurring payment and information-service activity across multiple business lines. That combination strengthens operating leverage and supports durable revenue, interest income, and fee growth beyond a single reporting period.
Improving Operating Performance
Broad-based improvement across earnings, revenue, net interest margin, and financial fees suggests that profitability is being supported by both banking and commercial-services operations. Diversified drivers make the recent earnings improvement more durable than growth from only one activity.
Bears Say
Uneven Revenue Trajectory
The prior annual revenue decline shows that Cass’s top-line expansion is not yet consistently steady. Uneven growth can make planning and operating leverage less predictable, and it may limit the pace at which the company can compound earnings if volumes soften.
Material Increase In Leverage
Although leverage remains described as reasonable, the step-up from little or no prior debt increases the company’s fixed financial obligations. Maintaining profitability and cash generation therefore becomes more important, particularly if operating conditions weaken over the coming quarters.
Cash-flow Variability
Recent cash generation is strong, but the historical swings indicate that free cash flow may not be uniformly durable through different operating conditions. Variability can affect the reliability of internal funding for technology, dividends, repurchases, and other capital priorities.
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Cass Information Systems Stock Smart Score
Company Description
Cass Information Systems
Cass Information Systems, Inc. delivers specialized payment and data management services to a broad array of manufacturing, distribution, and retail businesses across the United States. The company's operations are divided into two main areas: Information Services and Banking Services. Through its Information Services segment, Cass provides essential back-office solutions, including the intricate rating, payment processing, and auditing of freight invoices, alongside the production of crucial accounting and transportation data. This division also expertly handles the payment and management of various facility expenses, such as utility bills for electricity, natural gas, and waste, as well as offering comprehensive telecommunications expense management. The Banking Services segment, powered by its subsidiary Cass Commercial Bank, offers a full range of financial products. These include standard checking, savings, and time deposit accounts, in addition to commercial, industrial, and real estate lending. Cash management services are also provided, primarily serving privately-owned businesses and religious organizations. Furthermore, Cass extends its offerings with a modern B2B payment platform, tailored for clients in search of a flexible financial technology partner. Established in 1906, Cass Information Systems, Inc. is headquartered in St. Louis, Missouri, where its main banking facility is located. The company also maintains an operating branch in Bridgeton, Missouri, and leased facilities in Fenton, Missouri, and Colorado Springs, Colorado. It adopted its current name in January 2001, having previously been known as Cass Commercial Corporation.
- Sector
- Industrials
- Industry
- Specialty Business Services
- CEO
- Martin H. Resch
- Employees
- 905
- Website
- www.cassinfo.com
- Address
- 12444 Powerscourt Drive, Saint Louis, MO, 63131, US
Cass Information Systems (CC3) Earnings & Revenues
CC3 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 3 | 9 |
| Technical Analysis | 6 | 3 | 1 |
| Moving Averages | 4 | 0 | 8 |