)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Cass Information Systems (CASS) investor relations material
Cass Information Systems Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net income for Q2 2025 was $8.9M ($0.66 per share), up 97.5% year-over-year, with ROE at 15.35% and ROAA at 1.48%.
Diluted EPS rose 106.3% year-over-year, driven by higher net interest income and a $3.6M gain on the TEM business sale.
Sale of the TEM business closed in Q2 2025, generating a $3.6M pretax gain and $1.5M in non-recurring fee revenue.
Repurchased 140,269 shares during the quarter; board authorized a new 500,000 share buyback program.
Paid $0.31 per share dividend in Q2 2025.
Financial highlights
Net interest income for Q2 2025 was $19.5M, up 22.3% year-over-year, with net interest margin rising to 3.78%.
Total operating expense was $38.1M, down slightly from $38.4M in Q2 2024.
Loans increased $35.0M, or 3.2%, from December 31, 2024, with growth in commercial and faith-based portfolios.
Deposits grew 3.7% to $1.00B, while accounts and drafts payable fell 8.2% to $1.04B since year-end.
Sold $34M in investment securities at a $3.6M pretax loss to reposition the portfolio.
Outlook and guidance
Ongoing earnings expected to remain neutral post-TEM sale as proceeds are redeployed into higher-yielding assets.
New working capital solutions and initiatives are expected to increase average balances in future quarters.
Net interest margin projected to benefit as assets reprice to current market rates.
Upward momentum in freight rates, new product offerings, and client onboarding expected to support future fee growth.
Management expects cash, investments, and operations to be sufficient to fund $6–8M in 2025 capital expenditures.
Why did loans decrease from March 31, 2025?
Assess TEM business sale impact on earnings.
Explain the increase in facility dollar volumes.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Cass Information Systems earnings date
Q3 202524 Oct, 2025
Next Cass Information Systems earnings date
Q3 202524 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Edge3 Oct 2025
Epiroc: A Culture of Moving Mountains
From automation to electrification, Swedish industrial giant Epiroc is leading a transformation in how the world mines.
)
Company Research22 Sep 2025
Moody's: Shaping Global Credit
Explore Moody's evolution from publishing manuals to becoming a giant in credit ratings, guiding issuers, investors, and regulators worldwide.
Frequently asked questions
Cass Information Systems Inc.is a provider of payment and information processing services. The company caters to manufacturing, distribution, and retail enterprises in the United States, operating through two main segments: Information Services and Banking Services. Cass Information Systems offers a range of services including freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. Additionally, it processes and pays for facility-related invoices like electricity, gas, waste, and telecommunications expenses, and offers telecom expense management solutions. Through its banking subsidiary, Cass Commercial Bank, the company provides various banking products and services, including demand, savings, time, and money market deposits; commercial, industrial, real estate, and construction loans; and cash management services to privately held businesses, restaurant franchises, and faith-related ministries. It also offers a B2B payment platform for clients requiring an agile fintech partner. Cass Information Systems is headquartered in St. Louis, Missouri, and its shares are listed on the Nasdaq.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage