Cass Information Systems/$CASS

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About Cass Information Systems

Cass Information Systems Inc is a provider of payment and information processing services to large manufacturing, distribution, and retail enterprises across the United States. The company provides transportation invoice rating, payment processing, auditing, accounting, and transportation information. It is also a processor and payer of energy invoices, including electricity, gas, waste, and other facility-related expenses. Additionally, the firm has a banking subsidiary, offering banking services mainly to privately held businesses in the St. Louis metropolitan area and restaurant franchises and faith-based ministries within the United States. The company operates in two reportable segments: Information Services, which generates the maximum revenue, and Banking Services.
Ticker
$CASS
Sector
Finance
Primary listing
NASDAQ
Employees
938
Headquarters
Saint Louis, United States
Website
www.cassinfo.com

CASS Metrics

BasicAdvanced
$702M
19.78
$2.77
0.42
$1.28
2.33%

What the Analysts think about CASS

Analyst ratings (Buy, Hold, Sell) for Cass Information Systems stock.
Analyst projections of the future price of Cass Information Systems stock.

Bulls say / Bears say

Cass delivered record second-quarter 2026 net income and diluted EPS of $10.6 million and $0.81, while adjusted EPS from continuing operations rose 22.4% year over year. This extends the company’s recent trend of strong earnings growth. (Cass Information Systems)
Net interest margin expanded to 4.00% from 3.78% year over year, and first-half 2026 net interest income increased 10.4%. Cass also reported 3.9% loan growth and no loan charge-offs in the first half, supporting the bank’s earnings contribution and asset-quality profile. (SEC)
Operating leverage is improving: second-quarter operating expense declined 3.5% year over year, personnel expense fell 2.4%, and management expects core expense growth to remain below 2% through continued automation and AI-enabled efficiency initiatives. (Cass Information Systems)
Processing remains a weak spot: first-half 2026 processing fees fell 4.1% year over year, reflecting lower transportation and facility invoice volumes. (SEC)
Cass’s earnings remain sensitive to interest rates and transaction volumes: net interest income drove much of the first-half revenue growth, while management identifies interest rates, transportation and energy costs, and economic activity as significant profitability drivers. A decline in rates or client payment volumes could pressure results. (SEC)
Credit and operational risks could become more material as the bank grows: the second-quarter release cites exposure to lending concentrations, customer credit quality, regulatory requirements, liquidity, cyberattacks, and data breaches. The second-quarter provision for credit losses also increased to $531,000 from $25,000 a year earlier, albeit from a low base. (Cass Information Systems)
Data summarised monthly by Lightyear AI. Last updated on 11 Sept 2026.

CASS Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

CASS Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing CASS

Funds
Fund name
Fund size
$CASS weighting
SPDR Russell 2000 US Small Cap€R2US
€4.8B0.03%
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