Inferra AI / Company / CASS

Cass Information Systems Inc.

CASS · Financials

Last earnings Oct 22, 2026

Key results

EPSquarter

$9.1 million

Third Quarter Financial Highlights ( All comparisons refer to the third quarter of 2024, except as noted) Net income and diluted earnings per share of $9.1 million and $0.68, respectively.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Net incomequarter

$9.1 million

net income of $9.1 million and a decrease in accumulated other comprehensive loss of $3.2 million primarily related to the fair value of available-for-sale investment securities, partially offset by the repurchase of Company stock of $6.7 million and dividends of $4.1 million.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Dividendquarter

$4.1 million

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

23 $ 1.73 $ 1.07 Basic (loss) earnings per share from discontinued operations (.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

22 $ 2.03 $ 1.08 Diluted earnings per share from continuing operations $ .

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

22 $ 1.69 $ 1.05 Diluted (loss) earnings per share from discontinued operations (.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

SEC original ↗Cass Information Systems Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

AI analysis

Q3 2025 · reported Oct 23, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Net income · Q3 2025

$9.1M

EX-99 · Oct 23, 2025

EPS · Q3 2025

$9.1M

EX-99 · Oct 23, 2025

Dividend · Q3 2025

$4.1M

EX-99 · Oct 23, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
EPS	$9.1 million	—	—
Net income	$9.1 million	—	—
Dividend	$4.1 million	—	—

EX-99 · Oct 23, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“Outlook - The Company is optimistic regarding its revenue outlook as a result of i) the likelihood of sustained higher interest rates which would be expected to positively impact net interest margin ii) the impact of higher contract freight rates and fuel surcharges which should lead to higher levels of accounts and drafts payable, net interest income and financial fees iii) increased sales activity around CassPay, which is expected to lead to growth in non-interest bearing deposits and financial fees and iv) onboarding of new clients in Facilities.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Quarterly dividend$0.32

Net income$9.1M

Dividend$4.1M

Repurchased 159,587 shares of Company stock at weighted average price of $41.96.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Cass Information Systems Inc. Q3 2025 — Third Quarter Financial Highlights ( All comparisons refer to the third quarter of 2024, except as noted) Net income and diluted earnings per share of $9.1 million and $0.68, respectively.

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Repurchased 159,587 shares of Company stock at weighted average price of $41.96.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Quarterly dividend increased $0.01 to $0.32 for the fourth quarter of 2025.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Shareholders Equity - Total shareholders equity increased $2.6 million since June 30, 2025 as a result of net income of $9.1 million and a decrease in accumulated other comprehensive loss of $3.2 million primarily related to the fair value of available-for-sale investment securities, partially offset by the repurchase of Company stock of $6.7 million and dividends of $4.1 million.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Dividend - On October 21, 2025, the Company s Board of Directors approved an increase in the quarterly dividend of $0.01 to $0.32 per share beginning with the dividend payable on December 15, 2025 to shareholders of record on December 5, 2025.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

com | ©2025 Cass Information Systems | Prudent Stewards of Capital The Company maintains excess capital to support organic balance sheet growth and opportunistic acquisitions Dividend of $0.32 per share Cass has continuously paid regularly scheduled cash dividends since 1934 The Company repurchased 159,587 shares of Company stock during Q3 2025 at a weighted average price of $41.96 Tier 1 leverage ratio at 9/30/25 10.17% Common equity tier 1 risk-based ratio at 9/30/25 15.04% Tier 1 risk-based ratio at 9/30/25 15.04% Total risk-based ratio at 9/30/25 15.90% 34 www.

SEC original ↗Cass Information Systems Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Strategy & priorities

Salaries and commissions decreased $425,000, or 2.1%, as a result of a decrease in average full-time equivalent employees ( FTEs ) of 6.9% due to strategic investments in various technology initiatives.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Equipment Expense - Equipment expense increased $455,000 as compared to the third quarter of 2024 primarily due to an increase in depreciation expense on software related to recently completed technology initiatives.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Forward Looking Information All statements other than statements of historical fact included in this release, including without limitation the Company s future prospects and performance, the business strategy and the plans and objectives of the Company's management for future operations, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

com | ©2025 Cass Information Systems | Forward-Looking Information All statements other than statements of historical fact included in this release, including without limitation the Company s future prospects and performance, the business strategy and the plans and objectives of the Company's management for future operations, are forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995.

SEC original ↗Cass Information Systems Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Louis, MO in 1906 Conservative management with more than 10 years with no charge-offs, reflecting prudent risk practices Specialized banking focused on faith-based institutions, not-for-profit s, QSR franchises, equipment financing, and C&I lending Exclusively Engaged in Commercial Banking with only 3 strategically located branches that do not serve retail customers 23 www.

SEC original ↗Cass Information Systems Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 23, 2025

Risks & headwinds

Volumes remain lower than prior periods primarily due to the ongoing freight recession and the impact of tariffs.

SEC original ↗Cass Information Systems Inc. — Earnings release (8-K exhibit)EX-99Oct 23, 2025

Documents

Earnings deck slides

0 decks with slide view

Cass Information Systems Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors