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Cass Information Systems CASS Q4 2025 Annual earnings

Reported January 22, 2026 · Before market open

Revenue$49.9MBeat by $289.0K
EPS$0.68Beat by $0.04
Revenue estimate$49.6M
EPS estimate$0.64

Next report

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

Financials

Q4 2025

Income statement

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Revenue$49.9M+9.4%
Net income$8.2M+78.3%
EPS (diluted)$0.62+87.9%

Balance sheet

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Cash & equivalents$392.3M+12.2%
Total debt$4.5M-39.3%
Total equity$243.0M+6.1%
Total assets$2.6B+8.8%

Cash flow

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Operating cash flow$4.8M-74.0%
CapEx$717.0K+275%
Free cash flow$4.1M-77.6%

Valuation & ratios

Valuation

as of 12/31/25
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Market cap$543.26M-2.1%
Enterprise value$155.5M-26.9%
P/E15.5×-13.5×
P/S2.8×-0.2×

Profitability

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Net margin18.4%+7.8pp
FCF margin18%0.0pp

Returns & leverage

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Return on equity14.9%+6.5pp
Debt / equity0×0.0×

Segments

By product

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Information services payment and processing revenue$25.8M-1.6%
Processing fees$15.9M+1.4%
Financial fees$9.9M-6.2%

By segment

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Information services payment and processing revenue$39.4M+7.5%
Banking Services$10.7M+33.7%

FAQ

When did Cass Information Systems report Q4 2025 earnings?
Cass Information Systems (CASS) reported Q4 2025 earnings on January 22, 2026 before market open.
What were Cass Information Systems's Q4 2025 revenue and EPS?
Cass Information Systems reported revenue of $49.9M and eps of $0.68 for Q4 2025.
Did Cass Information Systems beat estimates in Q4 2025?
Revenue beat the consensus estimate of $49.6M by $289.0K. EPS beat the consensus estimate of $0.64 by $0.04.
How did Cass Information Systems's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.0% from $50.4M a year earlier and eps grew 106.1% from $0.33.
Where can I find Cass Information Systems's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000708781-26-000002) and the 10-K periodic report (0000708781-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.