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CASS INFORMATION SYSTEMS INC logo
no logo available
General Information
Investor relations pageIR page no data available
Founding year no data available
Headquarter , , no data available
Employees (as per )no data available
Sector Business Services, IndustrialsBusiness Services, Industrialsno data available
Ticker CASSno data available
Financial year endsFY ends End of Decemberno data available
Stock Information (historical prices adjusted for splits and dividends)
Adj. Closing prices (in USD) -Common sharesNov. 16Jan. 17März 17Mai 17Juli 17Sep. 174856647280
datesClosing price (adj.)
13.10.201766.12
11.10.201766.32
04.10.201764.14
27.09.201763.16
20.09.201761.19
13.09.201761.51
06.09.201759.73
30.08.201760.94
23.08.201760.83
16.08.201759.40
09.08.201761.99
02.08.201763.00
26.07.201766.40
19.07.201767.16
12.07.201765.95
05.07.201765.84
27.06.201763.98
20.06.201765.03
13.06.201764.94
06.06.201761.64
30.05.201761.04
23.05.201762.38
16.05.201762.40
09.05.201764.66
02.05.201765.12
25.04.201765.25
18.04.201763.56
11.04.201763.55
04.04.201763.53
28.03.201763.18
21.03.201762.15
14.03.201762.45
07.03.201763.53
28.02.201764.22
21.02.201764.70
14.02.201764.93
07.02.201762.32
31.01.201764.81
24.01.201765.68
17.01.201765.60
10.01.201769.31
03.01.201772.05
27.12.201673.35
19.12.201671.70
12.12.201670.69
05.12.201668.32
28.11.201669.71
21.11.201670.92
14.11.201663.37
07.11.201653.95
31.10.201652.90
24.10.201655.00
17.10.201653.16
no share price data source found
Share price data requested
Key Figures
Last Closing Price
as per Oct 13, 2017, in USD
66.12n/a
Market Capitalisation
in million USD
739n/a
Enterprise Value
in million USD
457n/a
Common Shares Outstanding
as per Jul 26, 2016
11,172,333n/a
Preferred Shares Outstanding
as per Jul 26, 2016
n/a
Average Basic Shares Outstanding
TTM
11,243,322n/a
Average Diluted Shares Outstanding
TTM
11,398,482n/a
Index Membership
n/a
Business Summary
Cass Information Systems Inc provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States.
no data available
Key Financials & Ratios (all figures TTM as per Jun 30, 2016, million USD, full statements further below)
Profit & Loss
Revenues 121n/a
Gross Profit 0n/a
Operating Income 32n/a
EBITDA 41n/a
Net Profit 24n/a
Balance Sheet
Cash and Cash Equivalents 282n/a
Receivables 0n/a
Total Current Assets 0n/a
PP&E 0n/a
Total Assets 1,817n/a
Accounts Payable 0n/a
Current Debt 0n/a
Total Current Liabilities 0n/a
Long-Term Debt 0n/a
Total Liabilities 1,311n/a
Total Equity 210n/a
Cash Flow
Depreciation & Amortisation 9n/a
Change in Working Capital 6n/a
Operating Cash Flow 34n/a
Net Change in PP&E and Intangibles -5n/a
Investing Cash Flow -37n/a
Dividends Paid -10n/a
Financing Cash Flow 118n/a
Total Change in Cash 116n/a
Free Cash Flow 34n/a
Profitability Ratios
Gross Margin 0.0%n/a
Operating Margin 26.4%n/a
Net Profit Margin 19.6%n/a
Return on Equity 11.3%n/a
Return on Assets 1.3%n/a
Per Share Figures
Basic EPS 2.11n/a
Diluted EPS 2.08n/a
Sales per Share 10.74n/a
Book Value per Share 18.70n/a
FCF per Share 3.00n/a
Dividends per Share 0.87n/a
Price Multiples
Price to Earnings Ratio 31.41n/a
Price to Sales Ratio 6.15n/a
Price to Book Value 3.54n/a
Price to Free Cash Flow 22.04n/a
Valuation Metrics
EV/EBITDA 11.11n/a
EV/Sales 3.78n/a
Book to Market Value 0.28n/a
Other Ratios
Current Ratio 0.0%n/a
Liabilities to Equity Ratio 623.5%n/a
Debt to Assets Ratio 0.0%n/a
Profit & Loss StatementP&L data quality: 100% (?)
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in million USD FY '09FY '10FY '11FY '12FY '13FY '14FY '15
Net Revenue
90
100
109
114
115
117
120
Net interest income
39
44
46
43
39
37
37
Total Interest Income
44
49
50
46
42
40
39
Total Interest Expense
-5
-5
-4
-3
-3
-2
-2
Total Non-Interest Income
51
56
63
71
77
80
83
Trading Account Profits/Losses
0
0
0
0
0
0
0
Investment Income (Loss)
1
0
0
3
4
0
3
Sale of Loan Income (Loss)
0
0
0
0
0
0
0
Commissions & Fees Earned
1
1
1
1
1
1
1
Net OTTI losses recognised in earnings
0
0
0
0
0
0
0
Other Non-Interest Income
49
55
61
67
71
79
79
Provision for Loan Losses
-2
-4
-2
-2
-1
0
1
Net Revenue after Provisions
88
96
107
112
115
117
121
Total Non-Interest Expense
-66
-68
-75
-80
-84
-85
-90
Commissions & Fees Paid
0
0
0
0
0
0
0
Other Operating Expense
-66
-68
-75
-80
-84
-85
-90
Operating Income (Loss)
22
28
32
31
31
32
31
Non-Operating Income (Loss)
0
0
0
0
0
0
0
Income (Loss) from Affiliates
0
0
0
0
0
0
0
Other Non-Operating Income (Loss)
0
0
0
0
0
0
0
Pretax Income (Loss), Adjusted
22
28
32
31
31
32
31
Abnormal Gains (Losses)
0
0
0
0
0
0
0
Debt Valuation Adjustment
0
0
0
0
0
0
0
Credit Valuation Adjustment
0
0
0
0
0
0
0
Merger / Acquisition Expense
0
0
0
0
0
0
0
Disposal of Assets
0
0
0
0
0
0
0
Early extinguishment of Debt
0
0
0
0
0
0
0
Asset Write-Down
0
0
0
0
0
0
0
Impairment of Goodwill & Intangibles
0
0
0
0
0
0
0
Sale of Business
0
0
0
0
0
0
0
Legal Settlement
0
0
0
0
0
0
0
Restructuring Charges
0
0
0
0
0
0
0
Other Abnormal Items
0
0
0
0
0
0
0
Pretax Income (Loss)
22
28
32
31
31
32
31
Income Tax (Expense) Benefit, net
-5
-8
-8
-8
-7
-8
-8
Current Income Tax
0
0
0
0
0
0
0
Deferred Income Tax
0
0
0
0
0
0
0
Tax Allowance/Credit
0
0
0
0
0
0
0
Income (Loss) from Affiliates, net of taxes
0
0
0
0
0
0
0
Income (Loss) from Continuing Operations
16
20
23
23
23
24
23
Net Extraordinary Gains (Losses)
0
0
0
0
0
0
0
Discontinued Operations
0
0
0
0
0
0
0
XO & Accounting Charges & Other
0
0
0
0
0
0
0
Income (Loss) Including Minority Interest
16
20
23
23
23
24
23
Minority Interest
0
0
0
0
0
0
0
Net Income
16
20
23
23
23
24
23
Preferred Dividends
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
Net Income Available to Common Shareholders
16
20
23
23
23
24
23
Remarks
restated on Mar 9, 2012 n/a
calculated values,
restated on Mar 8, 2013 n/a
calculated values,
restated on Mar 11, 2014 n/a
calculated values,
restated on Mar 9, 2015 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
Balance SheetBS data quality: 48% (?)
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in million USD FY '09FY '10FY '11FY '12FY '13FY '14FY '15
Assets
Cash & Cash Equivalents
n/a
151
249
160
237
306
262
Interbank assets
n/a
67
124
109
160
201
176
Fed Funds Sold & Repos
n/a
0
0
0
0
0
0
Other Interbank Assets
n/a
0
0
0
0
0
0
Short and Long Term Investments
n/a
372
486
434
465
574
565
Trading Securities
n/a
0
0
0
0
0
0
Investment Securities Available for Sale
n/a
0
0
0
0
0
0
Investment Securities Held to Maturity
n/a
0
0
0
0
0
0
Real Estate Investments
n/a
0
0
0
0
0
0
Other Investments
n/a
0
0
0
0
0
0
Net Receivables
n/a
0
0
0
0
0
0
Net Loans
n/a
721
685
700
664
681
671
Reserve for Loan Losses
n/a
12
13
12
12
12
12
Total Loans
n/a
709
672
688
652
669
659
Total Commercial Loans
n/a
0
0
0
0
0
0
Commercial Real Estate Loans
n/a
0
0
0
0
0
0
Other Commercial Loans
n/a
0
0
0
0
0
0
Total Consumer Loans
n/a
0
0
0
0
0
0
Credit Card Loans
n/a
0
0
0
0
0
0
Home Equity Loans
n/a
0
0
0
0
0
0
Family Residential Loans
n/a
0
0
0
0
0
0
Auto Loans
n/a
0
0
0
0
0
0
Student Loans
n/a
0
0
0
0
0
0
Other Consumer Loans
n/a
0
0
0
0
0
0
Other Loans
n/a
0
0
0
0
0
0
Net Fixed Assets
n/a
10
10
11
13
17
20
Property, Plant & Equipment, Net
n/a
0
0
0
0
0
0
Operating Lease Assets
n/a
0
0
0
0
0
0
Other fixed assets
n/a
0
0
0
0
0
0
Intangible Assets
n/a
0
0
4
3
3
2
Goodwill
n/a
7
7
12
12
12
12
Other Intangible Assets
n/a
0
0
0
0
0
0
Investments in Associates
n/a
0
0
0
0
0
0
Deferred Tax Assets
n/a
0
0
0
0
0
0
Derivatives & Hedging
n/a
0
0
0
0
0
0
Discontinued Operations
n/a
0
0
0
0
0
0
Customer Acceptances & Liabilities
n/a
0
0
0
0
0
0
Other Assets
n/a
23
21
24
21
26
24
Total Assets
n/a
1,351
1,581
1,453
1,575
1,819
1,732
Liabilities and owners' equity
Total Deposits
n/a
519 518590000
548 548368000
564 563708000
582 582496000
618 618199000
646 646484000
Demand Deposits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Interest Bearing Deposits
n/a
405 405493000
416 416412000
420 419565000
439 438655000
459 459200000
465 464661000
Saving Deposits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Time Deposits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Deposits
n/a
113 113097000
132 131956000
144 144143000
144 143841000
159 158999000
182 181823000
Short Term Borrowings & Repos
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Securities Sold Under Repo
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Trading Account Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Short Term Capital Leases
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Current Portion of Long Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Short Term Borrowings
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Payables Broker Dealers
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Long Term Debt
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Long Term Capital Leases
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Long Term Borrowings
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Pension Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Pensions
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Post-Retirement Benefits
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Deferred Tax Liabilities
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Derivatives & Hedging
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Discontinued Operations
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Liabilities
n/a
527 527351000
610 610385000
550 549664000
553 553097000
682 682100000
602 601644000
Total Liabilities
n/a
1,046 1045941000
1,159 1158753000
1,113 1113372000
1,136 1135593000
1,300 1300299000
1,248 1248128000
Preferred Equity
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Share Capital & Additional Paid-In Capital
n/a
52 51628000
86 86416000
131 131052000
131 131028000
132 132135000
132 132256000
Common Stock
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Additional Paid in Capital
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Other Share Capital
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Treasury Stock
n/a
-14 -13549000
-13 -12968000
-12 -11896000
-11 -10980000
-13 -12707000
-22 -22208000
Retained Earnings
n/a
107 107263000
90 89853000
61 60952000
76 75939000
91 90635000
104 103994000
Other Equity
n/a
-3 -3248000
-3 -2753000
-6 -6093000
-6 -5560000
-10 -9631000
-7 -6664000
Equity Before Minority Interest
n/a
142 142094000
161 160548000
174 174015000
190 190427000
200 200432000
207 207378000
Minority Interest
n/a
0 0
0 0
0 0
0 0
0 0
0 0
Total Equity
n/a
142 142094000
161 160548000
174 174015000
190 190427000
200 200432000
207 207378000
Total Liabilities & Equity
n/a
1,188 1188035000
1,319 1319301000
1,287 1287387000
1,326 1326020000
1,501 1500731000
1,456 1455506000
Remarks restated on n/a restated on Mar 9, 2012 n/a restated on Mar 8, 2013 n/a restated on Mar 11, 2014 n/a restated on Mar 9, 2015 n/a restated on Mar 7, 2016 n/a restated on Aug 2, 2016 n/a
Cash Flow StatementCF data quality: 100% (?)
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in million USD FY '09FY '10FY '11FY '12FY '13FY '14FY '15
Net Income/Starting Line
16
20
23
23
23
24
23
Net Income
0
0
0
0
0
0
0
Net Income From Discontinued Operations
0
0
0
0
0
0
0
Other Adjustments
0
0
0
0
0
0
0
Depreciation & Amortization
4
4
5
7
7
8
9
Provision for Loan Losses
2
4
2
2
1
0
-1
Non-Cash Items
-2
0
3
4
-4
0
-2
Gain on Sale of Securities & Loans
0
0
0
0
0
0
0
Deferred Income Taxes
0
0
0
0
0
0
0
Stock-Based Compensation
0
0
0
0
0
0
0
Other Non-Cash Adjustments
0
0
0
0
0
0
0
Net Change in Operating Capital
-1
-5
-7
-1
2
2
5
Trading Assets & Liabilities
0
0
0
0
0
0
0
Net Change of Investments
0
0
0
0
0
0
0
Net Change of Interbank Assets
0
0
0
0
0
0
0
Net Change of Interbank Liabilities
0
0
0
0
0
0
0
Net Change in Operating Loans
0
0
0
0
0
0
0
Accrued Interest Receivable
0
0
0
0
0
0
0
Accrued Interest Payable
0
0
0
0
0
0
0
Other Operating Assets/Liabilities
0
0
0
0
0
0
0
Net Cash From Discontinued Operations (operating)
0
0
0
0
0
0
0
Cash from Operating Activities
19
24
26
35
29
35
33
Change in Fixed Assets & Intangibles
-1
-1
-2
-3
-5
-6
-6
Disposal of Fixed Assets & Intangibles
0
0
0
0
0
0
0
Capital Expenditures
0
0
0
0
0
0
0
Net Change in Investments
-24
-45
-37
-41
10
-35
-23
Decrease in Investments
0
0
0
0
0
0
0
Decrease in HTM Investments
0
0
0
0
0
0
0
Decrease in AFS Investments
0
0
0
0
0
0
0
Increase in Investments
0
0
0
0
0
0
0
Increase in HTM Investments
0
0
0
0
0
0
0
Increase in AFS Investments
0
0
0
0
0
0
0
Net Change in Other Investments
0
0
0
0
0
0
0
Net Change in Loans & Interbank
-50
-67
36
-19
34
-17
11
Net Change in Customer Loans
0
0
0
0
0
0
0
Net Change in Interbank Assets
0
0
0
0
0
0
0
Net Change in Other Loans
0
0
0
0
0
0
0
Net Cash From Acquisitions & Divestitures
0
0
0
0
0
0
0
Net Cash from Divestitures
0
0
0
0
0
0
0
Cash for Acqusition of Subsidiaries
0
0
0
0
0
0
0
Cash for Joint Ventures
0
0
0
0
0
0
0
Net Cash from Other Acquisitions
0
0
0
0
0
0
0
Other Investing Activities
-1
-11
-28
-2
-14
-43
15
Net Cash From Discontinued Operations (investing)
0
0
0
0
0
0
0
Cash from Investing Activities
-76
-125
-31
-65
25
-101
-4
Dividends Paid
-5
-5
-6
-7
-9
-9
-10
Cash From (Repayment of) Debt
0
0
0
0
0
0
0
Cash From (Repayment of) Short Term Debt, net
0
0
0
0
0
0
0
Net Change in Interbank Transfers
0
0
0
0
0
0
0
Cash From (Repayment of) Long Term Debt, net
0
0
0
0
0
0
0
Repayments of Long Term Debt
0
0
0
0
0
0
0
Cash From Long Term Debt
0
0
0
0
0
0
0
Cash From (Repurchase of) Equity
0
0
0
0
0
-2
-11
Increase in Capital Stock
0
0
0
0
0
0
0
Decrease in Capital Stock
0
0
0
0
0
0
0
Net Change In Deposits
150
81
11
3
19
21
5
Other Financing Activities
-39
86
98
-61
20
126
-56
Net Cash From Discontinued Operations (financing)
0
0
0
0
0
0
0
Cash from Financing Activities
106
160
102
-65
30
135
-71
Net Cash Before Disc. Operations and FX
50
60
97
-95
84
69
-41
Change in Cash from Disc. Operations and Other
0
0
0
0
0
0
0
Net Cash Before FX
50
60
97
-95
84
69
-41
Effect of Foreign Exchange Rates
0
0
0
0
0
0
0
Net Changes in Cash
50
60
97
-95
84
69
-41
Remarks
restated on Mar 9, 2012 n/a
calculated values,
restated on Mar 8, 2013 n/a
calculated values,
restated on Mar 11, 2014 n/a
calculated values,
restated on Mar 9, 2015 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
restated on Mar 7, 2016 n/a
calculated values,
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