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Upturn AI SWOT - About
Cass Information Systems Inc (CASS)
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Upturn Advisory Summary
10/15/2025: CASS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $47
1 Year Target Price $47
| 0 | Strong Buy |
| 1 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.07% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 486.08M USD | Price to earnings Ratio 23.28 | 1Y Target Price 47 |
Price to earnings Ratio 23.28 | 1Y Target Price 47 | ||
Volume (30-day avg) 1 | Beta 0.47 | 52 Weeks Range 36.07 - 46.67 | Updated Date 10/16/2025 |
52 Weeks Range 36.07 - 46.67 | Updated Date 10/16/2025 | ||
Dividends yield (FY) 3.33% | Basic EPS (TTM) 1.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When Before Market | Estimate 0.63 | Actual - |
Profitability
Profit Margin 11.53% | Operating Margin (TTM) 21.49% |
Management Effectiveness
Return on Assets (TTM) 1.17% | Return on Equity (TTM) 9.14% |
Valuation
Trailing PE 23.28 | Forward PE - | Enterprise Value 275161568 | Price to Sales(TTM) 2.21 |
Enterprise Value 275161568 | Price to Sales(TTM) 2.21 | ||
Enterprise Value to Revenue 2.69 | Enterprise Value to EBITDA - | Shares Outstanding 13216006 | Shares Floating 11692861 |
Shares Outstanding 13216006 | Shares Floating 11692861 | ||
Percent Insiders 11.44 | Percent Institutions 62.78 |
Upturn AI SWOT
Cass Information Systems Inc
Company Overview
History and Background
Cass Information Systems, Inc. was founded in 1906 as Cass Bank & Trust Co. in St. Louis, Missouri. Originally focused on serving the freight payment needs of railroads, it has evolved into a leading provider of payment and information management solutions for transportation, energy, telecom, and waste expenses.
Core Business Areas
- Transportation: Provides freight audit and payment solutions for shippers, helping them optimize transportation spend and improve supply chain efficiency.
- Energy: Offers energy expense management solutions, including invoice processing, data analytics, and bill payment for utilities.
- Telecom: Provides telecom expense management (TEM) solutions, helping businesses control and optimize their telecom spending.
- Waste: Provides waste expense management services to help companies optimize cost and manage their waste and recycling programs.
Leadership and Structure
The leadership team includes Eric H. Brunngraber (Chairman & CEO), Martin J. Teichman (President & COO), and James R. Struble (CFO). The company has a traditional corporate structure with various departments focused on sales, operations, technology, and finance.
Top Products and Market Share
Key Offerings
- Freight Payment: Provides automated freight invoice processing, audit, payment, and reporting services. Market share data is not publicly available, but Cass is considered a leader. Competitors include nVision Global, CTSI-Global, and Trax Technologies.
- Energy Expense Management: Offers comprehensive energy invoice processing, utility data management, and analytics solutions. Market share data is unavailable. Competitors include Urjanet, Schneider Electric, and Enverus.
- Telecom Expense Management: Solutions for auditing, tracking, and managing telecom expenses. Market share data is not publicly available. Competitors include Tangoe, Calero, and Brightfin.
- Waste Expense Management: Helps companies to audit and manage their waste and recycling service invoices, usage, and disposal practices. Competitors include SMS Assist, GFL Environmental, and Republic Services.
Market Dynamics
Industry Overview
The market encompasses freight audit and payment, utility expense management, and telecom expense management, all growing areas due to increasing complexity and cost pressures. Businesses look to automate spend and gain better insights.
Positioning
Cass is a well-established player with a strong reputation for accuracy and reliability, giving them a competitive edge in attracting and retaining clients.
Total Addressable Market (TAM)
The combined TAM for freight audit & payment, energy & telecom expense management is estimated in the tens of billions of dollars globally. Cass has a small market share of this overall market, indicating substantial growth potential.
Upturn SWOT Analysis
Strengths
- Long-standing reputation and industry expertise
- Established client base
- Strong data analytics capabilities
- Diversified service offerings across multiple expense categories
Weaknesses
- Reliance on large enterprise clients
- Potential vulnerability to economic downturns affecting client spending
- Requires ongoing investment in technology to remain competitive
- Scalability challenges
Opportunities
- Expanding service offerings into new expense categories
- Leveraging technology to automate processes and reduce costs
- Acquiring smaller competitors to increase market share
- Geographic expansion into international markets
Threats
- Increasing competition from other expense management providers
- Potential for disruption from new technologies
- Changes in regulations affecting client industries
- Economic slowdown or recession
Competitors and Market Share
Key Competitors
- CTSH
- EXLS
- INFY
Competitive Landscape
Cass has a strong reputation and established client base, providing a competitive advantage. However, competitors are larger and have greater scale to leverage.
Major Acquisitions
Realty Payment Services (RPS)
- Year: 2021
- Acquisition Price (USD millions): 16
- Strategic Rationale: Expands into the property management market and strengthens its payment solutions capabilities.
Growth Trajectory and Initiatives
Historical Growth: Cass has demonstrated consistent, albeit moderate, growth over the past decade. Expansion into new markets and service offerings has contributed to this growth.
Future Projections: Analyst estimates suggest continued growth at a moderate pace, driven by demand for expense management solutions.
Recent Initiatives: Recent initiatives include investments in technology to automate processes and expand service offerings.
Summary
Cass Information Systems is a stable and reliable company with a long history in the expense management industry. Its strengths lie in its reputation, data analytics, and diversified service offerings. However, it faces challenges from larger competitors and the need to continuously invest in technology to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data and projections are estimates and may not be precise. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cass Information Systems Inc
Exchange NASDAQ | Headquaters St. Louis, MO, United States | ||
IPO Launch date 1996-07-01 | President, CEO & Director Mr. Martin H. Resch | ||
Sector Industrials | Industry Specialty Business Services | Full time employees 999 | Website https://www.cassinfo.com |
Full time employees 999 | Website https://www.cassinfo.com | ||
Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. The company operates in 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, as well as church management software and online platform to provide generosity services for faith-based and non-profit organizations. 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-based 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 a leased facility in 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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