Cass Information Systems, Inc. (CASS)
NASDAQIndustrialsSpecialty Business ServicesSnapshot 2026-09-04
$55.81-0.39%
Close 2026-09-04 · 1-day change
NASDAQIndustrialsSpecialty Business ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · CASS
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is still in the top half of its industry but slipped notably this past month — worth watching.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -9.7% |
| Our one-year growth estimate | diamond | 7.2% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 16.9 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 21 industry peers
CASS — earnings miss
Dated 2026-07-23
Results of Operations and Financial Condition. On July 23, 2026, Cass Information Systems, Inc. (the “Company”) issued a press release announcing its financial results for the second quarter of fiscal 2026. A copy of this press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. Also on July 23, 2026, the Company made available on the Investors section of the Company’s website at www.cassinfo.com, an earnings supplement that includes information about the Company’…
Why it matters: Earnings performance shows how the company is growing and its place in the market.
Supportive ifQ3 earnings per share meet or exceed $0.81.
Worry ifQ3 earnings per share fall below $0.67.
Why it matters: Loan growth is key for Cass's earnings. Meeting this target shows strong demand and management execution.
Supportive ifLoans grow 6-8% year over year in Q3 2026.
Worry ifLoan growth falls below 6% year over year in Q3 2026.
Why it matters: A growing net interest margin helps make more money. It shows good asset management and pricing.
Supportive ifNet interest margin exceeds 4.00% in Q3 2026.
Worry ifNet interest margin drops below 3.95% in Q3 2026.
Why it matters: Earnings results will show how Cass is doing financially and its growth path.
Watch forEarnings per share are over $0.81. This shows strong performance is continuing.
Also watch forEarnings per share drop below $0.67. This suggests profit is declining.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$75 on $10,000 · ±0.7% | How much price usually moves either way. |
| Bad day | $204 loss on $10,000 · 2.0% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,549 loss on $10,000 · 15.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: If revenue growth picks up, it could signal a positive shift for Cass. The sector is currently maturing, and growth is slowing.
Supportive ifRevenue growth in the industrial sector is speeding up again. It is now above 5%.
Worry ifRevenue growth continues to decelerate and stays below 5%.
Why it matters: Revenue growth from new clients is crucial for long-term success. It shows market demand.
Supportive ifQ2 2026 revenue from new clients grows year over year.
Worry ifRevenue from new clients declines year over year in Q2 2026.
Why it matters: Confirming the dividend shows a promise to give value back to shareholders during growth.
Watch forBoard confirms the dividend of $0.32 per share for Q3 2026.
Also watch forDividend is reduced or not declared for Q3 2026.
Why it matters: Loan growth is key for Cass's revenue. Achieving this target shows strong demand and financial health.
Supportive ifLoans go up by 6-8% each year. This shows management's target is on track.
Worry ifLoan growth falls below 6% year over year, indicating weaker demand.
Why it matters: More transportation dollar volumes show strong demand. This can help increase revenue.
Supportive ifTransportation dollar volumes increase by more than 7.4% year over year in Q3 2026.
Worry ifTransportation dollar volumes grow less than 4.5% year over year in Q3 2026.
Why it matters: Higher net interest margins mean more profit. Growth shows good asset management.
Supportive ifNet interest margin is over 4.00%. This shows good asset growth and pricing.
Worry ifNet interest margin falls below 3.95%. This shows possible problems with asset management.
Why it matters: Earnings growth shows the business is strong. It helps us see how well management is doing.
Supportive ifQ3 2026 earnings exceed $10.6 million.
Worry ifQ3 2026 earnings fall below $10.6 million.