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Cass Information Systems Inc

CASS

Services-Business Services, NEC

Mkt Cap

$615.3M

PE

20.47

Debt

-

Cash

$372.5M

EV

-

FCF

$22.61M

Market Cap

$615.3M

P/E Ratio

20.47

Debt

-

Cash

$372.5M

EV

-

FCF

$22.61M
Charts data: {"Earnings":[{"time":"2014-12-30","value":24033000},{"time":"2015-12-30","value":23056000},{"time":"2016-12-30","value":24348000},{"time":"2017-12-30","value":25014000},{"time":"2018-12-30","value":30268000},{"time":"2019-12-30","value":30404000},{"time":"2020-12-30","value":25176000},{"time":"2021-12-30","value":28604000},{"time":"2022-12-30","value":34904000},{"time":"2023-12-30","value":30059000}],"Sales":[{"time":"2014-12-30","value":117206000},{"time":"2015-12-30","value":120817000},{"time":"2016-12-30","value":125537000},{"time":"2017-12-30","value":135302000},{"time":"2018-12-30","value":148266000},{"time":"2019-12-30","value":157235000},{"time":"2020-12-30","value":144956000},{"time":"2021-12-30","value":154147000},{"time":"2022-12-30","value":182476000},{"time":"2023-12-30","value":197511000}],"Net Margins":[{"time":"2014-12-30","value":0.20504922956162655},{"time":"2015-12-30","value":0.19083407136412922},{"time":"2016-12-30","value":0.19395078741725547},{"time":"2017-12-30","value":0.18487531595985277},{"time":"2018-12-30","value":0.20414660137860333},{"time":"2019-12-30","value":0.19336661684739403},{"time":"2020-12-30","value":0.17368028919120285},{"time":"2021-12-30","value":0.1855631312967492},{"time":"2022-12-30","value":0.191279949143997},{"time":"2023-12-30","value":0.15218899200550856}],"Assets":[{"time":"2014-12-30","value":1500731000},{"time":"2015-12-30","value":1455506000},{"time":"2016-12-30","value":1504839000},{"time":"2017-12-30","value":1603209000},{"time":"2018-12-30","value":1695176000},{"time":"2019-12-30","value":1764243000},{"time":"2020-12-30","value":2203235000},{"time":"2021-12-30","value":2554901000},{"time":"2022-12-30","value":2573023000},{"time":"2023-12-30","value":2478622000}],"Stockholders Equity":[{"time":"2014-12-30","value":200432000},{"time":"2015-12-30","value":207378000},{"time":"2016-12-30","value":208035000},{"time":"2017-12-30","value":225088000},{"time":"2018-12-30","value":229848000},{"time":"2019-12-30","value":244190000},{"time":"2020-12-30","value":261160000},{"time":"2021-12-30","value":245798000},{"time":"2022-12-30","value":206325000},{"time":"2023-12-30","value":229809000}],"ROE":[{"time":"2014-12-30","value":0.11990600303344776},{"time":"2015-12-30","value":0.11117862068300398},{"time":"2016-12-30","value":0.11703799841372846},{"time":"2017-12-30","value":0.11112986920671027},{"time":"2018-12-30","value":0.13168702794890536},{"time":"2019-12-30","value":0.12450960317785331},{"time":"2020-12-30","value":0.09640067391637311},{"time":"2021-12-30","value":0.11637198024394015},{"time":"2022-12-30","value":0.1691699987883194},{"time":"2023-12-30","value":0.1307999251552376}],"ROA":[{"time":"2014-12-30","value":0.02282354399289413},{"time":"2015-12-30","value":0.022772149341878357},{"time":"2016-12-30","value":0.02265557976634045},{"time":"2017-12-30","value":0.023132355170161843},{"time":"2018-12-30","value":0.023645332402063266},{"time":"2019-12-30","value":0.024179775688496427},{"time":"2020-12-30","value":0.014843173787635},{"time":"2021-12-30","value":0.013237694924382589},{"time":"2022-12-30","value":0.016672995150062785},{"time":"2023-12-30","value":0.015071277508228363}]}

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates through two segments, Information Services and Banking Services. Its services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. The company also processes and pays facility-related invoices, such as electricity, gas, waste, and telecommunications expenses; and provides telecom expense management solutions. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of banking products and services, such as demand, savings, time, and money market deposits; commercial, industrial, commercial real estate, and construction and land development loans; and cash management services to privately held businesses, restaurant franchises, and faith-related ministries. Further, it provides B2B payment platform for clients that require an agile fintech partner. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and leased facilities in Fenton, Missouri and Colorado Springs, Colorado. The company was formerly known as Cass Commercial Corporation and changed its name to Cass Information Systems, Inc. in January 2001. Cass Information Systems, Inc. was founded in 1906 and is headquartered in St. Louis, Missouri.

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Growth

%

%

Discount

%

%

Multiple

g\r+10%+11%+12%+13%+14%
0%109887
+1%1110988
+2%13111098
+3%141311109
+4%1714121110
Years012345678910TV
FCF$22.61M$23.03M$23.45M$23.87M$24.31M$24.76M$25.21M$25.67M$26.14M$26.62M$27.1M$271M
DCF$20.02M$17.73M$15.7M$13.9M$12.31M$10.9M$9.65M$8.545M$7.566M$6.699M$66.99M
Value$190M

In the chart Earnings are multiplied by this value.

Earnings Growth 3.8%
Earnings Stability 60%


Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Net Margin19%19%18%20%19%17%19%19%15%15%
ROA2.3%2.3%2.3%2.4%2.4%1.5%1.3%1.7%1.5%1.5%
ROE11%12%11%13%12%9.6%12%17%13%13%

What is the average Net Margin?

The average Net Margin over the past 5 years is +18.34%.

What is the trend of Net Margin?

The trend of Net Margin over the past 5 years is -0.73%.

What is the average Return on Assets (ROA)?

The average ROA over the past 5 years is +1.79%.

What is the trend of Return on Assets (ROA)?

The trend of ROA over the past 5 years is -0.19%.

What is the average Return on Equity (ROE)?

The average ROE over the past 5 years is +12.82%.

What is the trend of Return on Equity (ROE)?

The trend of ROE over the past 5 years is +0.43%.


Safety & Stabiliy

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12-201512-201612-201712-201812-201912-202012-202112-202212-2023TTM
Debt FCF----0.46-----
Debt Equity----0.07-----
MIN
Graham Stability--100%100%100%88%100%100%100%88%

What is the Debt/FCF?

The Debt/FCF trailing twelve month is -.

What is the trend of Debt/FCF?

The trend of Debt/FCF over the past 5 years is -.

What is the Graham’s Stability?

Graham’s Stability measure stands at 0.88.


Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12-201612-201812-202012-2022Trend
Revenue6.7%5.9%11%8.2%0.73%
Net Income3.1%-0.14%6.1%-14%-0.11%
Stockholders Equity1.4%-0.0034%-4.2%11%-0.68%
FCF-4.2%-12%-21%-51%-2.9%

What is the 5 year Revenue CAGR?

The Revenue CAGR over the past 5 years is +5.9%.

What is the trend of Revenue growth?

The trend of Revenue growth rate over the past 5 years is +0.73%.

What is the 5 year Earnings CAGR?

The Earnings CAGR over the past 5 years is -0.14%.

What is the trend of Earnings growth?

The trend of Earnings growth rate over the past 5 years is -0.11%.

What is the 5 year Equity CAGR?

The Equity CAGR over the past 5 years is 0%.

What is the trend of Equity growth?

The trend of Equity growth rate over the past 5 years is -0.68%.

What is the 5 year FCF CAGR?

The FCF CAGR over the past 5 years is -12.44%.

What is the trend of FCF growth?

The trend of FCF growth rate over the past 5 years is -2.87%.