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Cass Information Systems CASS Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$54.0MBeat by $4.4M
EPS$0.69Beat by $0.06
Revenue estimate$49.6M
EPS estimate$0.63

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$52.2M
EPS estimate$0.79

Financials

Q3 2025

Income statement

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Revenue$50.1M+7.6%
Net income$9.1M+210%
EPS (diluted)$0.68+224%

Balance sheet

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Cash & equivalents$258.6M+12.2%
Total debt$4.7M-39.1%
Total equity$243.4M+2.4%
Total assets$2.5B+8.5%

Cash flow

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Operating cash flow$12.3M—
CapEx$1.0M-49.3%
Free cash flow$11.3M—

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$519.79M-7.4%
Enterprise value$265.84M-21.5%
P/E16.5×-7.9×
P/S2.8×-0.6×

Profitability

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Net margin16.9%+3.0pp
FCF margin26.1%+14.5pp

Returns & leverage

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Return on equity13.1%+2.7pp
Debt / equity0×0.0×

Segments

By product

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Information services payment and processing revenue$27.1M-2.3%
Processing fees$16.7M-0.2%
Financial fees$10.4M-5.5%
Bank service fees$372.0K+5.1%

By segment

See full
Information services payment and processing revenue$39.8M+5.7%
Banking Services$9.6M+30.1%

FAQ

When did Cass Information Systems report Q3 2025 earnings?
Cass Information Systems (CASS) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Cass Information Systems's Q3 2025 revenue and EPS?
Cass Information Systems reported revenue of $54.0M and eps of $0.69 for Q3 2025.
Did Cass Information Systems beat estimates in Q3 2025?
Revenue beat the consensus estimate of $49.6M by $4.4M. EPS beat the consensus estimate of $0.63 by $0.06.
How did Cass Information Systems's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 137.2% from $22.8M a year earlier and eps grew 228.6% from $0.21.
Where can I find Cass Information Systems's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000708781-25-000103) and the 10-Q periodic report (0000708781-25-000105) directly on SEC EDGAR. The filing index links above go to sec.gov.