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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.
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.
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