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Market Price

45.67 

0.03 0.1%

as of Apr 12 '21

52 Week Range:

31.13 48.55


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Cass Information Systems, Inc. provides payment and information processing services to manufacturing, distribution, and retail enterprises in the United States. It operates through two segments, Information Services and Banking Services. The company's services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. It also processes and pays energy invoices, including electricity, gas, waste, and other facility related expenses; and provides telecommunications expense management solutions comprising bill processing, audit, and payment services for telephone, data line, wireless, and communication equipment expenses. In addition, the company, through its banking subsidiary, Cass Commercial Bank, provides a range of commercial banking products and services, such as checking, savings, and time deposit accounts; commercial and commercial real estate loans; and other cash management services to privately owned businesses, and churches and church-related ministries. It operates through its banking facility near downtown St. Louis, Missouri; operating branch in the Bridgeton, Missouri; and additional leased facilities in Fenton, Missouri, Santa Ana, California, 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.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 9.48
10.69
11.50
11.75
13.62
13.33
14.38
15.19
15.70
16.99
17.47
growth rate 12.8% 7.6% 2.2% 15.9% -2.1% 7.9% 5.6% 3.4% 8.2% 2.8%
Earnings BIT 27.93
31.51
31.19
30.73
34.25
31.75
34.09
37.09
132.75
140.22
126.35
growth rate 12.8% -1.0% -1.5% 11.5% -7.3% 7.4% 8.8% 257.9% 5.6% -9.9%
Avg.PE 17.64
16.50
20.92
33.33
25.56
24.94
30.55
29.04
29.36
29.36
29.36
growth rate -6.5% 26.8% 59.3% -23.3% -2.4% 22.5% -4.9% 1.1% 0.0% 0.0%
ROA 1.85
1.84
1.79
1.80
1.70
1.56
1.64
1.61
1.84
1.76
1.27
growth rate -0.5% -2.7% 0.6% -5.6% -8.2% 5.1% -1.8% 14.3% -4.4% -27.8%
ROE 14.95
15.21
13.93
12.89
12.30
11.31
11.72
11.55
13.31
12.83
9.96
growth rate 1.7% -8.4% -7.5% -4.6% -8.1% 3.6% -1.5% 15.2% -3.6% -22.4%
ROIC 17.56
17.32
15.34
14.08
13.25
growth rate -1.4% -11.4% -8.2% -5.9%
Leverage 8.36
8.22
7.40
6.96
7.49
7.02
7.23
7.12
7.38
7.22
8.44
growth rate -1.7% -10.0% -6.0% 7.6% -6.3% 3.0% -1.5% 3.7% -2.2% 16.9%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 657.45
647.42
654.69
676.03
711.36
762.08
879.73
growth rate -1.5% 1.1% 3.3% 5.2% 7.1% 15.4%
Acct.Payable 595.20
522.76
543.95
655.43
577.26
642.29
715.89
694.36
684.30
835.39
growth rate -12.2% 4.1% 20.5% -11.9% 11.3% 11.5% -3.0% -1.5% 22.1%
Cur.Assets 1,072.01
1,006.12
1,026.78
1,043.24
230.93
976.59
1,562.20
growth rate -6.2% 2.1% 1.6% -77.9% 322.9% 60.0%
Total Assets 1,188.00
1,319.30
1,287.39
1,326.02
1,500.73
1,455.51
1,504.84
1,657.21
1,695.18
1,764.24
2,203.24
growth rate 11.1% -2.4% 3.0% 13.2% -3.0% 3.4% 10.1% 2.3% 4.1% 24.9%
Cash 79.60
546.57
483.02
543.03
294.34
253.17
266.74
228.11
230.93
203.95
670.53
growth rate 586.7% -11.6% 12.4% -45.8% -14.0% 5.4% -14.5% 1.2% -11.7% 228.8%
Cur.Liabilities 1,235.37
1,200.64
1,227.77
1,378.68
721.93
18.00
835.39
growth rate -2.8% 2.3% 12.3% -47.6% -97.5% 4,541.0%
Liabilities 1,045.90
1,158.75
1,113.37
1,135.59
1,300.30
1,248.13
1,296.80
1,432.12
1,465.33
1,520.05
1,942.08
growth rate 10.8% -3.9% 2.0% 14.5% -4.0% 3.9% 10.4% 2.3% 3.7% 27.8%
LT Debt 2,010.00
2,011.00
2,012.00
growth rate 0.1% 0.1%
Equity 142.10
160.55
174.02
190.43
200.43
207.38
208.04
225.09
229.85
244.19
261.16
growth rate 13.0% 8.4% 9.4% 5.3% 3.5% 0.3% 8.2% 2.1% 6.2% 7.0%
Common Shares 15.00
15.00
15.00
15.00
15.00
15.00
15.00
15.00
15.00
15.00
15.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 1.20
1.93
3.10
4.86
6.29
5.75
4.68
4.13
4.40
2.72
2.00
growth rate 60.4% 61.0% 56.7% 29.5% -8.7% -18.5% -11.9% 6.6% -38.1% -26.5%
Cash Dividends 5.40
6.28
7.36
8.51
9.34
9.70
9.98
10.68
-13.18
-15.23
-15.60
growth rate 16.3% 17.2% 15.6% 9.7% 3.9% 2.9% 7.0% -100.0% 0.0% 0.0%
Cash From OA 23.80
25.64
35.33
28.89
34.84
33.49
35.19
38.89
48.34
27.05
47.78
growth rate 7.7% 37.8% -18.2% 20.6% -3.9% 5.1% 10.5% 24.3% -44.0% 76.6%
FCF per Share 1.50
1.52
2.11
1.76
1.90
1.72
1.89
2.25
2.98
3.19
2.73
growth rate 1.3% 38.8% -16.6% 8.0% -9.5% 9.9% 19.1% 32.4% 7.1% -14.4%
Sale Purchase of Stock -1.85
-10.95
-9.22
-2.27
growth rate 0.0% 0.0% 0.0%
FCF 23.00
24.00
32.00
24.00
29.00
28.00
31.00
35.00
44.00
39.00
46.00
growth rate 4.4% 33.3% -25.0% 20.8% -3.5% 10.7% 12.9% 25.7% -11.4% 18.0%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 100.30
113.06
117.07
118.15
119.67
122.08
126.07
137.49
148.27
157.24
144.96
growth rate 12.7% 3.6% 0.9% 1.3% 2.0% 3.3% 9.1% 7.8% 6.1% -7.8%
Op.Income 27.90
23.01
23.30
23.50
34.25
31.75
34.09
37.09
132.75
140.22
126.35
growth rate -17.5% 1.3% 0.8% 45.8% -7.3% 7.4% 8.8% 257.9% 5.6% -9.9%
IBT 27.93
31.51
31.19
30.73
31.79
31.03
32.06
34.90
36.35
33.26
30.34
growth rate 12.8% -1.0% -1.5% 3.5% -2.4% 3.3% 8.8% 4.2% -8.5% -8.8%
Net Income 20.30
23.01
23.30
23.50
24.03
23.06
24.35
25.01
30.27
30.40
25.18
growth rate 13.3% 1.3% 0.8% 2.3% -4.1% 5.6% 2.7% 21.0% 0.5% -17.2%
EPS 1.35
1.52
1.53
1.53
1.56
1.52
1.63
1.68
2.03
2.07
1.73
growth rate 12.6% 0.7% 0.0% 2.0% -2.6% 7.2% 3.1% 20.8% 2.0% -16.4%
Gross Profit 53.57
52.01
54.99
60.15
148.27
157.24
144.96
growth rate -2.9% 5.7% 9.4% 146.5% 6.1% -7.8%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT 25.21
36.99
32.78
34.60
21.98
growth rate 46.7% -11.4% 5.6% -36.5%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 762.08
843.89
952.43
933.26
879.73
growth rate 10.7% 12.9% -2.0% -5.7%
Acct.Payable 684.30
702.07
687.54
771.61
835.39
growth rate 2.6% -2.1% 12.2% 8.3%
Cur.Assets 976.59
1,405.97
1,575.84
1,384.01
1,562.20
growth rate 44.0% 12.1% -12.2% 12.9%
Total Assets 1,764.24
1,731.98
1,828.98
2,000.46
2,203.24
growth rate -1.8% 5.6% 9.4% 10.1%
Cash 203.95
163.19
232.14
439.45
670.53
growth rate -20.0% 42.3% 89.3% 52.6%
Inventory
growth rate
Cur.Liabilities 1,425.04
992.14
687.54
771.61
835.39
growth rate -30.4% -30.7% 12.2% 8.3%
Liabilities 1,520.05
1,490.70
1,580.46
1,748.97
1,942.08
growth rate -1.9% 6.0% 10.7% 11.0%
LT Debt
growth rate
Equity 244.19
241.28
248.53
251.49
261.16
growth rate -1.2% 3.0% 1.2% 3.8%
Common Shares 14.82
14.41
14.42
14.42
14.39
growth rate -2.7% 0.1% 0.0% -0.2%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 0.85
0.33
1.05
0.32
0.30
growth rate -60.9% 217.8% -69.4% -8.1%
Cash Dividends -3.92
-3.92
-3.89
-3.89
-3.90
growth rate 0.0% 0.0% 0.0% 0.0%
Cash From OA -12.72
18.16
14.50
7.41
7.72
growth rate 100.0% -20.2% -48.9% 4.2%
Sale Purchase of Stock
growth rate
FCF -13.57
17.83
13.44
7.08
7.42
growth rate 100.0% -24.6% -47.3% 4.8%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 38.94
38.14
33.94
35.75
37.13
growth rate -2.0% -11.0% 5.3% 3.9%
Op.Income 25.21
36.99
32.78
34.60
21.98
growth rate 46.7% -11.4% 5.6% -36.5%
IBT 8.16
9.21
6.58
7.07
7.48
growth rate 12.9% -28.6% 7.4% 5.9%
Net Income 6.37
7.55
5.44
5.78
6.41
growth rate 18.4% -27.9% 6.3% 10.9%
EPS
growth rate
Gross Profit 38.94
38.14
33.94
35.75
37.13
growth rate -2.0% -11.0% 5.3% 3.9%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (42.12)

YOY Growth Grade:

D (45.49)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 29.36 20.48 16.33
EPS / Growth 7.9% 2.23 -6.8%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.5%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.8% 4.8%
Future PE 2.00 18.43 18.43
Future EPS 2.46 3.56 3.56
Value Price
MOS %
1.22
-97.3%
16.24
-64.5%
16.24
-64.5%
MOS Price 0.61 8.12 8.12
IRT 18.55 14.11 14.11

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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