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.
Struggling to separate bank metrics from fintech numbers in Cass Information Systems’ reports? The company’s dual structure means every 10-K bundles payment volume statistics with commercial bank credit ratios, making manual review time-consuming.
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- Review Cass Information Systems 8-K material events explained so unexpected credit reserves or client wins never catch you off guard.
Because our coverage spans every form the SEC accepts—from 10-Q and S-8 to 4—this hub answers common searches like “Cass Information Systems SEC filings explained simply,” “understanding Cass Information Systems SEC documents with AI,” and “Cass Information Systems earnings report filing analysis.” Real-time EDGAR feeds ensure nothing slips by, while expert commentary links each disclosure to the company’s invoice-processing and banking operations. Read faster, decide sooner, and stay ahead of the market.
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.
Insider transaction overview: Cass Information Systems Inc. (CASS) filed a Form 4 disclosing that Director James J. Lindemann acquired 311 shares of common stock on 19 June 2025 at a price of $41.68 per share.
Following the purchase, Lindemann’s direct beneficial ownership increased to 33,016 shares. The filing notes that these holdings include restricted stock bonus shares that remain subject to vesting and potential forfeiture. No derivative securities were reported, and there were no dispositions.
Materiality assessment: The dollar value of the purchase (≈ $13,000) is immaterial relative to CASS’s market capitalization and trading volume. Nonetheless, insider purchases—even small ones—are often interpreted as a marginally positive signal because they indicate management confidence. Investors should, however, view this specific transaction as routine rather than a catalyst for valuation change.
Key compliance details: • Filing made by a single reporting person.
• Transaction coded “A” (acquisition) under SEC Instruction 8.
• Ownership remains direct; no indication of Rule 10b5-1 trading plan was provided.
• Form was signed on 20 June 2025, within the two-business-day submission window mandated by Section 16(a).
Investor takeaway: While the purchase slightly expands the director’s equity stake and aligns interests with shareholders, the modest size means limited impact on CASS’s fundamentals or governance dynamics.
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