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Visual31 Oct 2025
Three decades of Rolls-Royce
Cass Information Systems (CASS) investor relations material
Cass Information Systems Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Achieved Q3 2025 net income of $9.1M and diluted EPS of $0.68, with strong year-over-year growth in profitability and returns, and ROE of 15.29%.
Net interest income rose 19.3% year-over-year, driven by higher net interest margin and asset growth.
Processes $94B in annual payments, generating $1.2B average non-interest-bearing float and supporting global clients in 185 countries.
Operates a profitable commercial bank with $1.4B in assets and a 5-star rating, focusing on niche markets like faith-based and QSR franchisees.
Over 80% of facility invoices processed via AI-enabled automation, boosting efficiency.
Financial highlights
Net income for Q3 2025 was $9.1M, up from $2.9M in Q3 2024; net income from continuing operations was $9.2M, up from $3.0M in Q3 2024.
Net interest margin increased to 3.87% from 3.55% year-over-year.
Net interest income rose by $3.4M (19.3%) compared to the prior year quarter.
Facility dollar volumes grew 13.9% year-over-year to $6.2B, while transportation dollar volumes rose 2.0% to $9.3B.
Processing fees decreased 0.2% year-over-year; financial fees declined 5.5% due to lower payments in advance of funding.
Outlook and guidance
Expects new working capital solutions to increase average payments in advance of funding in future quarters.
Anticipates net interest income and margin growth as fixed-rate assets reprice in a higher interest rate environment.
Sees opportunities to grow payment float and processing fees, especially in facilities management.
Management anticipates further cost savings in 2026 from ongoing consolidation and technology investments.
Forward-looking statements caution on economic, regulatory, and market risks.
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Next Cass Information Systems earnings date
Q4 202522 Jan, 2026
Next Cass Information Systems earnings date
Q4 202522 Jan, 2026
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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.
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