)
)
Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Cass Information Systems
Cass Information Systems (CASS) investor relations material
Cass Information Systems Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary22 Oct, 2026
Executive summary
Q3 2026 net revenue rose 5.3% to $52.7M; continuing-operations net income was $10.6M and diluted EPS was $0.81.
Higher net interest income, financial fees and transportation dollar volumes supported results; processing fees declined on lower invoice volumes.
Financial highlights
Q3 net interest income increased 8.9% to $22.9M; financial fees rose 11.8% to $1.2M higher YoY.
Operating expenses rose 3.5% to $39.8M; pretax income increased 11.2% to $12.9M.
Nine-month net revenue increased 7.7% to $151.7M; continuing-operations net income was $29.9M and diluted EPS was $2.28.
Q3 adjusted continuing-operations net income was $10.597M versus GAAP $10.568M; adjusted and GAAP diluted EPS were both $0.81.
Outlook and guidance
Loans are expected to be flat at Dec. 31, 2026 versus Sept. 30; 2027 and longer-term loan growth forecast is 6%–8%.
Higher rates, freight rates and fuel surcharges, CassPay sales and Facilities client onboarding are expected to support revenue growth.
Expense growth is expected to accelerate in Q4 2026 and 2027, driven by CassPay onboarding, technology costs, compensation and benefits.
Near-term investment in staff and AI-enabled systems may offset technology-driven efficiencies; estimated 2026 capex is $8.0M, mainly equipment and software.
Partial view of Summaries dataset, powered by Quartr API
AI can get things wrong. Verify important information.Research faster. Power your platform.
Latest events from Cass Information Systems
- Record earnings, strong credit quality and freight growth underpin 1998 expansion.CASS
Q4 1997 - Record FY98 earnings, assets above $500 million, and growth across banking and payment services.CASSQ4 1998
- Strong loan growth and expanding processing markets met higher costs and weaker FY1999 earnings.CASSQ4 1999
- Loan growth lifted earnings, while utility-processing expansion continued to weigh on costs.CASSQ4 2000
- Revenue and diluted EPS grew as utility processing turned profitable amid steep freight and rate headwinds.CASSQ4 2001
- Processing growth and securities gains lifted earnings despite rate pressure and rising credit concerns.CASSQ4 2002
- Processing growth lifted earnings as low rates compressed net interest income.[document-source]2[/document-source]CASSQ4 2003
- Processing growth and acquisitions supported earnings as software sales weakened and margins faced rate sensitivity.CASSQ4 2004
- Processing growth and rising rates lifted earnings, despite a $3.1 million impairment.CASSQ4 2005
- Processing growth and higher rates drove FY06 net income up 37.6%.CASSQ4 2006
Next Cass Information Systems earnings date
Q4 202622 Jan, 2027
Cass Information Systems
Next Cass Information Systems earnings date
Q4 202622 Jan, 2027
AI chat
Ask anything. Verify everything.
Ask across every event and document from public companies. Each answer links back to the exact line in the transcript, slide or filing it came from.Learn moreFind what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.)
Trust every finding
50m+ first-party documents. Every output traceable to its source.Find what matters
AI across all first-party IR material. Live calls, transcripts, slides, filings.Trust every finding
50m+ first-party documents. Every output traceable to its source.Automations
Zero in on what matters
Define the prompt once. It runs the moment a company publishes or on a schedule you set. Outputs map to the exact signals you choose.Learn more)
Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.)
Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Event-triggered research
Runs when a company publishes new material. Trigger on the first published document for the earliest possible run, or wait for a specific one.Scheduled research
Runs on a recurring cadence you set. Daily, weekly, monthly, or quarterly, for aggregate reads across a period rather than a single event.Live audio & transcripts
Be first
Join any earnings call live in one click, with no manual registration. Follow the transcript as it happens and jump straight to the moments that matter.Learn more)
Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.)
Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Live earnings calls
Join any call in one click. The audio keeps playing while you work elsewhere in Quartr.Live transcripts
Speaker-by-speaker, in real time. Searchable across every live and historical call.Quartr MCP connects your AI environment to 17K+ public companies
Pull live transcripts, filings, and slides into Claude or Codex via MCP. Combine Quartr's global IR data with any other dataset. Run agentic research and monitoring.
Included with Quartr Pro at no extra cost.Learn more
Quartr's AI stands out because it only pulls clean, first-party data from public companies. In investing, that's everything.
Jamie Ross
Investment Manager, GAM Investments
GAM
GAM
Research that used to take hours now takes seconds with Quartr Pro. Tracking shifts in tone or extracting tables, it's as simple as typing a query.
Tom O'Hara
Investment Director
Ciena
Ciena
Before Quartr we spent hours manually compiling insights through the peer earnings cycle. Now, these tasks are done faster, with greater precision.
Gregg Lampf
VP of Investor Relations
Protean
Protean
Being able to ask specific questions across years of transcripts and reports and instantly get verified answers is a game-changer.
Pontus Dackmo
CEO & Investment Manager
)
)
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.