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Cass Information Systems CASS Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$49.9M+12.5%
Net income$10.6M+19.6%
EPS (diluted)$0.81+22.7%

Balance sheet

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Cash & equivalents$228.5M+4.7%
Total debt$84.1M+1,630%
Total equity$244.7M+1.6%
Total assets$2.5B+8.6%

Cash flow

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Operating cash flow$16.9M
CapEx$3.1M+131%
Free cash flow$13.8M

Valuation

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Market cap$742.63M+34.6%
Enterprise value$598.3M+77.7%
P/E20.2×-1.5×
P/S3.7×+0.7×

Profitability

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Net margin18.5%+4.6pp
FCF margin21.1%+0.6pp

Returns & leverage

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Return on equity15.1%+4.4pp
Debt / equity0.3×+0.3×

Where this comes from

Reported directly by Cass Information Systems in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Cass Information Systems’s 10-Q, filed August 5, 2026.

Filed
Aug 5, 2026, 4:33 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000708781-26-000031
Line itemThree Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Total interest expense4,0584,1647,9468,280
Net interest income21,54719,47542,76338,748
Provision for credit losses53125592930
Net interest income after provision for credit losses21,01619,45042,17137,818
Total net revenue49,94344,39899,04490,804
Operating Expense:
Salaries and commissions20,24120,63839,50940,301
Share-based compensation1,1309182,5692,159

ITEM 1. FINANCIAL STATEMENTS

FAQ

What is Cass Information Systems's net interest income (after provisions)?
Cass Information Systems (CASS) reported net interest income (after provisions) of $21.02M in Q2 2026.
How has Cass Information Systems's net interest income (after provisions) changed year-over-year?
Cass Information Systems's net interest income (after provisions) increased by 8.1% year-over-year, from $19.45M to $21.02M.
What is the long-term trend for Cass Information Systems's net interest income (after provisions)?
Over 4 years (2021 to 2025), Cass Information Systems's net interest income (after provisions) has grown at a 16.1% compound annual growth rate (CAGR), from $44.46M to $80.89M.
What does net interest income (after provisions) mean?
This metric adjusts net interest income by subtracting the provision for credit losses, which accounts for expected defaults in the loan portfolio. It provides a more accurate view of the net earnings generated from lending activities after accounting for inherent credit risk. It is a critical measure of the quality and sustainability of the bank's interest-based revenue.

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