Cass Information Systems, Inc.
NASDAQ Global SelectTotal Valuation
Cass Information Systems, Inc. carries a market capitalization of 684.87M, placing it among publicly traded companies globally. Its enterprise value stands at 465.73M, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 684.87M |
| Enterprise Value | 465.73M |
Share Statistics
Cass Information Systems, Inc. currently has 12.87M shares outstanding.
| Shares Outstanding | 12.87M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Cass Information Systems, Inc. trades at a trailing price-to-earnings ratio of 16.42. The price-to-sales ratio is 3.13, and the price-to-book ratio stands at 3.20.
| PE Ratio | 16.42 |
| PS Ratio | 3.13 |
| PB Ratio | 3.20 |
| P/TBV Ratio | 2.59 |
| P/FCF Ratio | 16.56 |
| P/OCF Ratio | 18.88 |
Enterprise Valuation
On an enterprise value basis, Cass Information Systems, Inc. trades at an EV/EBITDA multiple of 64.32 and an EV/FCF ratio of 13.15.
| EV / Sales | 2.54 |
| EV / EBITDA | 64.32 |
| EV / EBIT | N/A |
| EV / FCF | 13.15 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 59.97 |
| Debt / EBITDA | 20.02 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | 20.54 |
| Return on Assets (ROA) | 1.44 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Cass Information Systems, Inc. has paid 7.47M in income taxes, reflecting an effective tax rate of 19.26.
| Income Tax | 7.47M |
| Effective Tax Rate | 19.26 |
Stock Price Statistics
Cass Information Systems, Inc.'s stock has gained approximately 22.77342% over the past 52 weeks. The 50-day moving average sits at 49.01, while the 200-day moving average is 44.56.
| Beta (5Y) | N/A |
| 52-Week Price Change | 22.77342% |
| 50-Day Moving Average | 49.01 |
| 200-Day Moving Average | 44.56 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Cass Information Systems, Inc. generated 183.42M in revenue and converted that into 34.98M in net income, yielding earnings per share of 2.35.
| Revenue | 183.42M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 38.77M |
| Net Income | 34.98M |
| EBITDA | 7.24M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 2.35 |
Balance Sheet
Cass Information Systems, Inc. holds 253.72M in cash and equivalents against 145.00M in total debt, resulting in a net debt position of -99.34M.
| Cash & Cash Equivalents | 253.72M |
| Total Debt | 145.00M |
| Net Debt | -99.34M |
| Equity (Book Value) | 179.55M |
| Book Value Per Share | 13.76 |
| Working Capital | N/A |
Cash Flow
Cass Information Systems, Inc. produced 30.42M in operating cash flow over the past twelve months. After subtracting -4.98M in capital expenditures, free cash flow totaled 25.44M - equivalent to 1.95 per share.
| Operating Cash Flow | 30.42M |
| Capital Expenditures | -4.98M |
| Free Cash Flow | 25.44M |
| FCF Per Share | 1.95 |
Margins
Cass Information Systems, Inc. operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 21.14 |
| Profit Margin | 19.07 |
| EBITDA Margin | 3.95 |
Dividends & Yields
The company's payout ratio of 52.60 indicates the proportion of earnings distributed to shareholders.
| Dividend Per Share | 1.26 |
| Dividend Yield | N/A |
| Payout Ratio | 52.60 |
| Shareholder Yield | -36.97 |
| FCF Yield | 6.04 |
Stock Splits
Cass Information Systems, Inc.'s most recent stock split took place on December 3, 2018 with a 5:6 split ratio.
| Last Split Date | 12/3/2018 |
| Split Ratio | 5:6 |
Scores
Cass Information Systems, Inc. posts an Altman Z-Score of 0.32, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.32 |