<span item_type="fundamental" item_id="1967473e6889b8ae3cf727d9649db482" counter_id="ST/US/CASS" env="prod"></span><span item_type="announcement" item_id="574692596595625473" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 50.06 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 0.68, beating the estimate of USD 0.63.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -9.405 M.</p><p></p><h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li>The report does not provide specific segment revenue details.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h4>Operational Metrics</h4><ul><li>The report does not provide specific operational metrics such as net income, gross margin, operating profit, or operating margin.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h4>Cash Flow</h4><ul><li>The report does not provide specific cash flow details.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h4>Unique Metrics</h4><ul><li>The report does not provide any unique company-specific financial indicators.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h4>Outlook / Guidance</h4><ul><li>The report does not include any forward-looking statements or guidance.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h3>Dividend Declaration</h3><ul><li>The Company’s Board of Directors declared a fourth quarter dividend of $0.32 per share payable on December 15, 2025, to shareholders of record on December 5, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20251021.htm"></span></li></ul><h3>Net Income and Earnings Per Share</h3><ul><li>Net income for the third quarter of 2025 was $9.1 million, with diluted earnings per share of $0.68.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Return on Equity and Assets</h3><ul><li>Return on average equity was 15.29%, and return on average assets was 1.44% for the third quarter of 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Net Interest Margin and Income</h3><ul><li>Net interest margin increased to 3.87% from 3.55% in the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li><li>Net interest income increased by $3.4 million, or 19.3%, compared to the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Facility and Transportation Volumes</h3><ul><li>Facility expense dollar volumes increased by 13.9% compared to the third quarter of 2024, totaling $6.2 billion.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span></li><li>Transportation dollar volumes increased by 2.0% to $9.3 billion, while transportation invoice volumes decreased by 3.0%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>The allowance for credit losses to loans ratio was 1.29%, with no loan charge-offs reported.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Share Repurchase and Dividend</h3><ul><li>The company repurchased 159,587 shares at a weighted average price of $41.96 and increased the quarterly dividend by $0.01 to $0.32.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/cass-20250930xexx991.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Financial Fees</h3><ul><li>Financial fees declined by $601,000, or 5.5%, from Q3 2024 due to a lower average balance of payments in advance of funding of 13.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Processing Fees</h3><ul><li>Processing fees decreased by 0.2% compared to Q3 2024, reflecting lower transportation and facility transaction volumes.<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul><h3>Outlook / Guidance</h3><ul><li>The company expects its new working capital solution to increase the average balance of payments in advance of funding in future quarters based on recent sales and pipeline activity.<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li><li>The company anticipates net interest income and margin growth as fixed rate interest-earning assets reprice in a higher interest rate environment.<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li><li>There is an opportunity to grow payment float and processing fees on the facility side given the compelling value proposition to large companies.<span class="superscript" item_id="0" item_type="announcement_file" value="3" url="https://www.sec.gov/Archives/edgar/data/708781/000070878125000103/investor-presentationxq3.htm"></span></li></ul>

Cass Info Sys | 8-K: FY2025 Q3 Revenue: USD 50.06 M