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Upturn AI SWOT - About
Cass Information Systems Inc (CASS)
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Upturn Advisory Summary
03/27/2025: CASS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -4.52% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 571.98M USD | Price to earnings Ratio 30.56 | 1Y Target Price 47 |
Price to earnings Ratio 30.56 | 1Y Target Price 47 | ||
Volume (30-day avg) 38249 | Beta 0.69 | 52 Weeks Range 37.20 - 47.79 | Updated Date 03/30/2025 |
52 Weeks Range 37.20 - 47.79 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.92% | Basic EPS (TTM) 1.39 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 8.72% | Operating Margin (TTM) 18.84% |
Management Effectiveness
Return on Assets (TTM) 1.14% | Return on Equity (TTM) 8.36% |
Valuation
Trailing PE 30.56 | Forward PE - | Enterprise Value 231317968 | Price to Sales(TTM) 2.6 |
Enterprise Value 231317968 | Price to Sales(TTM) 2.6 | ||
Enterprise Value to Revenue 3.01 | Enterprise Value to EBITDA - | Shares Outstanding 13464800 | Shares Floating 12018296 |
Shares Outstanding 13464800 | Shares Floating 12018296 | ||
Percent Insiders 11.03 | Percent Institutions 67.12 |
Analyst Ratings
Rating 4 | Target Price 49 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
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. Initially focused on serving the needs of local businesses, it gradually evolved to specialize in information and payment management solutions for logistics, energy, and waste expenses. Over the years, Cass has expanded its services and geographic reach to become a leading provider of these specialized solutions.
Core Business Areas
- Freight Payment: Processing freight invoices, auditing rates, and providing data analysis for transportation expenses.
- Utility Payment: Managing utility bills, providing energy data analysis, and processing payments for utilities such as electricity, gas, and water.
- Waste Payment: Managing waste disposal invoices, auditing rates, and providing data analysis for waste management expenses.
- Information and Analytics: Providing detailed reporting and analytics across all payment segments.
Leadership and Structure
The leadership team includes Eric H. Brunngraber (Chairman, President and CEO). The organizational structure is typical for a publicly traded company, with functional departments (e.g., Finance, Operations, Sales, Technology) reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Freight Payment Solutions: Cass's freight payment solutions help companies manage and control their transportation expenses by automating invoice processing, auditing rates, and providing data analytics. Cass processes a significant portion of North American freight payments. Competitors include U.S. Bank (Syncada), Trax Technologies, and nShift.
- Utility Expense Management Solutions: Cass's utility expense management solutions help companies manage and optimize their utility expenses by automating invoice processing, providing energy data analysis, and processing payments. Competitors include Dude Solutions (acquired by Clearlake Capital), Ecova (now Engie Impact).
- Waste Invoice Payment Solutions: Cass's waste invoice payment solutions enable businesses to manage invoices related to waste disposal, optimizing cost control. Competitors include Evisions, Datamart.
Market Dynamics
Industry Overview
The market for payment processing and information services for logistics, energy, and waste is characterized by increasing complexity and a growing demand for data-driven insights to optimize expenses. Companies are seeking solutions to streamline processes, reduce costs, and improve transparency.
Positioning
Cass Information Systems is positioned as a leading provider of specialized payment and information management solutions within the freight, utility, and waste industries. Their competitive advantage lies in their deep industry expertise, comprehensive service offerings, and robust data analytics capabilities.
Total Addressable Market (TAM)
The TAM is estimated to be in the billions of dollars, considering the global spending on freight, utilities, and waste management. Cass is well-positioned to capture a significant portion of this market due to its specialized expertise and established presence.
Upturn SWOT Analysis
Strengths
- Specialized expertise in freight, utility, and waste payment processing
- Long-standing relationships with major clients
- Robust data analytics and reporting capabilities
- Strong track record of profitability
- Stable and experienced management team
Weaknesses
- Reliance on specific industries (freight, utilities, waste)
- Potential for disruption from emerging technologies (e.g., blockchain)
- Limited geographic diversification
- Slower growth compared to broader tech industry
Opportunities
- Expansion into new geographic markets
- Development of new service offerings (e.g., sustainability solutions)
- Acquisition of complementary businesses
- Adoption of new technologies to improve efficiency and service delivery
Threats
- Economic downturn impacting key industries
- Increased competition from larger payment processors and technology companies
- Changes in regulations affecting freight, utilities, or waste management
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- UPS (UPS)
- U.S. Bancorp (USB)
- Trax Technologies
Competitive Landscape
Cass has a strong competitive position due to its expertise and focus. It needs to innovate to compete with larger players like UPS and US Bancorp, which have broader resources.
Major Acquisitions
Blue Payment
- Year: 2016
- Acquisition Price (USD millions): 27
- Strategic Rationale: Expanded payment management capabilities
Growth Trajectory and Initiatives
Historical Growth: Cass has experienced moderate growth over the past decade, driven by its strong market position and expansion of service offerings.
Future Projections: Analysts project continued moderate growth for Cass, driven by increasing demand for payment processing and information management solutions.
Recent Initiatives: Recent initiatives include investments in technology to improve efficiency and service delivery, as well as expansion into new geographic markets.
Summary
Cass Information Systems is a financially stable company with a specialized focus in freight, utility, and waste payment processing. Its strong client relationships and data analytics capabilities are key strengths. However, it faces competition from larger players and needs to adapt to emerging technologies and expand geographically to sustain growth. Maintaining a focus on innovation and strategic acquisitions will be crucial for future success.
Similar Companies
- UPS
- USB
- ADP
- PAYX
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Website
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary. Investment decisions should be based on thorough research and consultation with a 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 Saint 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 1027 | Website https://www.cassinfo.com |
Full time employees 1027 | 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 through 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-related 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 leased facilities 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 Saint Louis, Missouri.
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