Head-To-Head Contrast: Cass Information Systems (NASDAQ:CASS) vs. Spindle (OTCMKTS:SPDL)

Cass Information Systems (NASDAQ:CASS) and Spindle (OTCMKTS:SPDL) are both computer and technology companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, analyst recommendations, risk, institutional ownership, valuation, dividends and profitability.

Insider and Institutional Ownership

59.1% of Cass Information Systems shares are owned by institutional investors. 3.2% of Cass Information Systems shares are owned by company insiders. Comparatively, 14.6% of Spindle shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Cass Information Systems and Spindle’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cass Information Systems	9.62%	8.25%	0.84%
Spindle	N/A	N/A	N/A

Analyst Ratings

This is a breakdown of recent recommendations for Cass Information Systems and Spindle, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Cass Information Systems	0	0	1	0	3.00
Spindle	0	0	0	0	0.00

Cass Information Systems currently has a consensus target price of $46.00, indicating a potential upside of 6.38%. Given Cass Information Systems’ stronger consensus rating and higher probable upside, equities analysts clearly believe Cass Information Systems is more favorable than Spindle.

Earnings and Valuation

This table compares Cass Information Systems and Spindle”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Cass Information Systems	$192.35 million	3.00	$19.17 million	$1.52	28.45
Spindle	N/A	N/A	N/A	N/A	N/A

Cass Information Systems has higher revenue and earnings than Spindle.

Summary

Cass Information Systems beats Spindle on 8 of the 9 factors compared between the two stocks.

About Cass Information Systems

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 solution and on-line 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.

About Spindle

Spindle, Inc. provides payment-processing services to merchants using its Catalyst Gateway. It also acts as an agent, independent contractor, or referral partner to broker merchants that it secures to other merchant processors for ongoing fees based on processing volume. The company serves small and medium-sized businesses. The company is based in Marco Island, Florida.