Welcome to our dedicated page for Cass Info Sys SEC filings (Ticker: CASS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
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Cass Information Systems (CASS) reported stronger Q3 2025 results. Total net revenue was $50.1 million, up 7.6% year over year, driven by higher net interest income. Net income rose to $9.1 million from $2.9 million, and diluted EPS increased to $0.68 from $0.21.
Net interest income grew 19.3% to $21.0 million as net interest margin improved to 3.87% from 3.55%, reflecting higher average earning assets and lower funding costs. Processing fees were $16.7 million (down 0.2%) and financial fees were $10.4 million (down 5.5%). Operating expense fell 10.1%, largely due to a $6.6 million bad debt expense in the prior year quarter.
Year-to-date, the company recorded a $3.6 million loss on securities sales in June and recognized a $2.0 million bad debt recovery tied to a settlement. The TEM business sale closed at $18.0 million, with Q3 discontinued operations at a $0.1 million loss and $4.0 million income year-to-date. At September 30, 2025, assets were $2.45 billion, deposits $1.03 billion, and loans $1.09 billion with an allowance for credit losses of $14.1 million and nonaccrual loans of $7.1 million. The company repurchased 159,587 shares in Q3; 340,413 shares remained under the authorization.
Cass Information Systems, Inc. reported that it released its third-quarter fiscal 2025 results via a press release and posted an investor presentation. The materials were furnished, not filed, and are available on the company’s Investors website.
The Board also declared a fourth-quarter dividend of $0.32 per share, payable on December 15, 2025 to shareholders of record on December 5, 2025. Cass reiterated that it uses the Investors portion of its website to disclose material information under Regulation FD.
Martin H. Resch, President & CEO of Cass Information Systems, Inc. reported a personal purchase of 500 shares of Cass common stock on
Q2-25 highlights: Net interest income rose 22% YoY to $19.5 million, offsetting a $3.6 million security-sale loss and flat fee revenue. Total net revenue increased 1% to $44.4 million while operating expense dipped 0.8%, lifting continuing-ops profit 20% to $5.2 million ($0.38 diluted EPS). A $3.6 million gain on the sale of the Telecom Expense Management (TEM) unit boosted consolidated net income to $8.9 million, doubling diluted EPS to $0.66.
Balance-sheet trends: Loans expanded 3% YTD to $1.12 billion; deposits grew 4% to $1.00 billion as non-interest balances jumped 48%. Net interest margin widened 46 bp to 3.78%. Cash fell $132 million to $218 million after security sales, loan growth and $11 million of share buybacks. Allowance for credit losses rose to $14.3 million (1.28% of loans) with two newly non-accrual CRE loans totaling $3.4 million. Available-for-sale securities carry $45.4 million of unrealized losses even after the portfolio reshuffle.
Capital returns & outlook: Board replaced the 2023 buyback with a fresh 500 k-share authorization; 256 k shares were repurchased in 1H-25. Quarterly dividend was raised to $0.31. Management expects higher rates to keep supporting margin but notes soft freight volumes and ongoing CRE credit monitoring. Key watch items include further portfolio repositioning, non-accrual migration and tax-law changes enacted 4 July 2025.
Form 4 snapshot: Cass Information Systems (CASS) Chief Financial Officer Michael J. Normile purchased 200 shares of common stock on 08/01/2025 at $39.61 per share (Transaction Code P).
Following the trade, Normile’s direct holdings rose to 15,910 shares, which the footnote states includes restricted stock subject to vesting and potential forfeiture. No derivative securities were involved, and there were no dispositions. The gross outlay was about $7,922, an immaterial amount versus the company’s market value, yet it slightly increases management’s equity stake and may be read as a signal of personal confidence. The filing contains no operational or earnings data.
Cass Information Systems (CASS) – Form 4 insider activity
President & CEO Martin H. Resch purchased 500 shares of CASS common stock on 1 Aug 2025 at $39.50, an outlay of roughly $19,750. After the trade he directly holds 41,420 shares, which the filing notes include restricted stock subject to vesting and possible forfeiture. No shares were sold and no derivative securities were exercised or disposed of.
The transaction marginally increases the chief executive’s stake (~1.2% relative to his post-transaction holding) and represents a positive—albeit small—signal of insider confidence. No other material events, earnings data or derivative positions are disclosed in this filing.
Cass Information Systems, Inc. (CASS) Form 4 filing: Director Randall L. Schilling reported an acquisition of 311 common shares on 06/19/2025 at a stated price of $41.68 per share. The filing lists his total beneficial ownership at 30,788 shares after the transaction, which includes restricted stock bonus shares that remain subject to future vesting and potential forfeiture.
The transaction is coded “A,” indicating an award or grant rather than an open-market purchase. No derivative securities were involved, and no additional transactions were disclosed. Because the award is relatively small and part of routine director compensation, immediate financial impact on CASS is limited, but it modestly increases insider equity alignment.
Cass Information Systems, Inc. (CASS) filed a Form 4 reporting a routine insider purchase by director Frank Wicks on 19 June 2025. Wicks acquired 311 shares of common stock at a weighted average price of $41.68 per share, increasing his direct beneficial ownership to 31,421 shares. The holdings figure includes restricted stock bonus shares that remain subject to vesting and potential forfeiture.
The filing indicates that Wicks remains an active board member and that the transaction was conducted in the open market rather than under a pre-arranged 10b5-1 trading plan (no checkbox marked). No derivative securities were involved, and there were no dispositions. Given the limited size of the purchase relative to CASS’ average daily trading volume and the director’s existing stake, the activity is considered normal course insider accumulation rather than a signal of material corporate developments.
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