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Upturn AI SWOT - About
Cass Information Systems Inc (CASS)
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Upturn Advisory Summary
08/07/2025: 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 $50
1 Year Target Price $50
| 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 08/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 552.83M USD | Price to earnings Ratio 26.47 | 1Y Target Price 50 |
Price to earnings Ratio 26.47 | 1Y Target Price 50 | ||
Volume (30-day avg) 1 | Beta 0.49 | 52 Weeks Range 37.47 - 47.00 | Updated Date 08/6/2025 |
52 Weeks Range 37.47 - 47.00 | Updated Date 08/6/2025 | ||
Dividends yield (FY) 2.98% | Basic EPS (TTM) 1.58 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-17 | When Before Market | Estimate 0.72 | Actual 0.38 |
Profitability
Profit Margin 11.53% | Operating Margin (TTM) 21.49% |
Management Effectiveness
Return on Assets (TTM) 1.22% | Return on Equity (TTM) 9.14% |
Valuation
Trailing PE 26.47 | Forward PE - | Enterprise Value 336877280 | Price to Sales(TTM) 2.51 |
Enterprise Value 336877280 | Price to Sales(TTM) 2.51 | ||
Enterprise Value to Revenue 3.01 | Enterprise Value to EBITDA - | Shares Outstanding 13216000 | Shares Floating 11758192 |
Shares Outstanding 13216000 | Shares Floating 11758192 | ||
Percent Insiders 11.3 | Percent Institutions 68.22 |
Upturn AI SWOT
Cass Information Systems Inc
Company Overview
History and Background
Cass Information Systems, Inc. was founded in 1906 as Cass Bank & Trust Company. Initially serving the needs of the St. Louis railroad industry, it evolved into a leading provider of payment and information services, primarily focusing on transportation, energy, telecom, and waste expense management.
Core Business Areas
- Payment and Information Services: Provides comprehensive payment processing, data management, and business intelligence solutions for transportation, energy, telecom, and waste expenses. This includes freight invoice processing, utility bill payment, and telecom expense management.
- Banking Services: Offers traditional banking services, although this is a smaller part of their overall business compared to their information services.
Leadership and Structure
Eric H. Brunngraber serves as the Chairman and CEO. The company has a structured management team overseeing various operational divisions and a board of directors providing strategic oversight.
Top Products and Market Share
Key Offerings
- Freight Payment: Cass's flagship service, processing freight invoices for shippers and carriers. Market share is estimated to be significant within the freight payment processing sector, though exact figures are not publicly disclosed. Competitors include U.S. Bank (USB), Trax Technologies, and ControlPay. Difficult to find exact market share.
- Utility Expense Management: Provides invoice processing and data analytics for utility expenses. Market share is smaller than freight payment, but growing. Competitors include Schneider Electric (SU), and Enel X.
- Telecom Expense Management (TEM): Offers solutions to manage and optimize telecom expenses. Market share is relatively smaller and competitive, with companies such as Tangoe, and Calero-MDSL.
Market Dynamics
Industry Overview
The market in which Cass Information Systems operates is driven by the increasing complexity of supply chains, the need for businesses to optimize expenses, and the growing importance of data analytics. The industry is competitive, with a mix of large financial institutions and specialized technology providers.
Positioning
Cass is positioned as a leader in providing specialized payment and information solutions, particularly within the transportation sector. Its competitive advantage lies in its deep industry expertise, established relationships, and comprehensive service offerings.
Total Addressable Market (TAM)
The global freight payment market is estimated to be in the tens of billions of dollars annually. The utility expense management and TEM markets also contribute significantly. Cass is well-positioned to capture a meaningful share of this TAM due to its established presence and reputation.
Upturn SWOT Analysis
Strengths
- Strong industry expertise
- Established relationships with shippers and carriers
- Comprehensive service offerings
- Robust data analytics capabilities
- Long operating history
Weaknesses
- Reliance on specific industries (transportation, energy, telecom)
- Potential vulnerability to technological disruption
- Banking operations contribute to lower overall margins.
- Limited international presence
Opportunities
- Expanding service offerings into adjacent markets
- Leveraging data analytics to provide more value-added services
- Increasing adoption of cloud-based solutions
- Geographic expansion
- Growth in e-commerce
Threats
- Increased competition from larger financial institutions and technology providers
- Economic slowdown impacting key industries
- Changes in regulations
- Cybersecurity risks
- Disruptive technologies like blockchain.
Competitors and Market Share
Key Competitors
- USB
- TRNX
- PAYX
Competitive Landscape
Cass competes with a mix of large financial institutions and specialized technology providers. Its competitive advantages include its deep industry expertise, established relationships, and comprehensive service offerings. Disadvantages include its smaller size compared to some larger competitors and its reliance on specific industries.
Major Acquisitions
Payliance
- Year: 2023
- Acquisition Price (USD millions): 58
- Strategic Rationale: Expands Cass's payment processing capabilities and customer base in the waste and recycling industries.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been consistent, driven by increasing transaction volumes and expansion into new service offerings.
Future Projections: Analyst estimates suggest continued steady growth in revenue and earnings, driven by increasing demand for expense management solutions. Growth rates are expected to be in the single digits percentage wise.
Recent Initiatives: Recent strategic initiatives include investments in technology to enhance data analytics capabilities, expansion into new geographic markets, and partnerships with other technology providers.
Summary
Cass Information Systems demonstrates a solid financial position, underpinned by a strong market presence in freight payment processing and expense management. The company's established relationships and data-driven solutions contribute to its steady growth, but challenges exist with emerging competition and a dependence on specific industries. Successfully navigating these dynamics and capitalizing on new opportunities will be vital for sustained success. Continued investment in technology and strategic diversification are crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be construed as financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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