{"filings":[{"id":98404,"accession_number":"0000708781-26-000020","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2026-04-23T23:59:59+00:00","items":["2.02","5.02","5.07","8.01","9.01"],"status":"ready","headline":"Cass Q1 adjusted EPS up 26.9% to $0.66; net interest margin expands to 3.95%; declares $0.32 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Adjusted diluted EPS from continuing ops $0.66 vs $0.52 prior year, up 26.9%.","Net interest margin 3.95% (up from 3.75%); facility volumes up 7.4%; personnel expense flat.","No loan charge-offs; non-performing loans reduced 55.1% from Dec 2025.","Q2 dividend of $0.32/share declared, payable June 15 to holders of record June 5.","John Drabik elected to board; three directors retired after not standing for re-election."],"consensus_eps_estimate":null,"consensus_eps_actual":0.67,"consensus_revenue_estimate":null,"consensus_revenue_actual":49101000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113841,"accession_number":"0000708781-26-000017","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2026-03-30T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Eric Giering named President of Cass Commercial Bank; Dwight Erdbruegger to retire","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Eric Giering appointed President of Cass Commercial Bank, succeeding Dwight Erdbruegger.","Erdbruegger will retire in September 2026 after serving as President since July 2018.","Giering has over 30 years banking experience; served as Director of Commercial Banking since 2019.","Erdbruegger's tenure strengthened market position and expanded key business lines with conservative credit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":113840,"accession_number":"0000708781-26-000002","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2026-01-22T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Information Systems reports record annual net income $35.1M; Q4 adjusted EPS $0.68","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Full year 2025 net income $35.1M ($2.61 diluted EPS), record high.","Q4 2025 net income $8.2M ($0.62 EPS); adjusted EPS from continuing ops $0.68 (+38.8% YoY).","Net interest margin expanded to 3.93% (Q4) vs. 3.55% prior year; facility dollar volumes up 13% Q4.","Board declared Q4 dividend $0.32/share, payable March 13, 2026 to holders of record March 3, 2026.","Repurchased 201,450 shares in Q4 at $40.59 avg; no loan charge-offs, allowance for credit losses 1.28%."],"consensus_eps_estimate":null,"consensus_eps_actual":2.61,"consensus_revenue_estimate":null,"consensus_revenue_actual":190750000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130244,"accession_number":"0000708781-25-000107","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-11-10T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Cass Information Systems increases share repurchase authorization to 1,000,000 shares","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board authorized repurchase of up to 1,000,000 shares, replacing prior 500,000 authorization.","No expiration date; repurchases may be via open market, private transactions, or Rule 10b5-1 plans.","Company cites capital return flexibility, offsetting dilution from stock-based comp, and opportunistic share count reduction.","Funding from cash on hand; timing and size depend on market conditions and regulatory capital needs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.35,"calibrated_materiality_score":0.35,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":130243,"accession_number":"0000708781-25-000103","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-10-23T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Q3 net income from cont ops $9.2M vs $3.0M YoY; declares $0.32 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income from continuing operations $9.2M, up from $3.0M in Q3 2024; diluted EPS $0.69 vs $0.22.","Adjusted diluted EPS from cont ops $0.69 vs $0.58 in prior year quarter.","Return on average equity 15.29% vs 5.04% YoY; net interest margin 3.87% vs 3.55%.","Board declares Q4 dividend of $0.32 per share, payable Dec 15, 2025 to holders of record Dec 5, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":1.99,"consensus_revenue_estimate":null,"consensus_revenue_actual":140860000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":146820,"accession_number":"0000708781-25-000078","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-07-17T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Q2 net income nearly doubles to $8.9M; declares $0.31 dividend, authorizes 500K share buyback","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $8.855M ($0.66 diluted EPS), up from $4.484M ($0.32) YoY; net interest margin improved to 3.78% from 3.32%.","Sold TEM business to Asignet USA for $18M, closed June 30; recognized $3.6M gain; ongoing earnings expected neutral.","Sold $34M low-yield corporate securities at $3.6M pretax loss to reposition portfolio for higher yields.","Board declared Q3 dividend $0.31/share payable Sept 15 to holders of record Sept 5; authorized repurchase of up to 500,000 shares.","Transportation dollar volumes $9.4B (+3.2% YoY); facility dollar volumes $5.5B (+16.1% YoY); avg payments in advance of funding -17.4%."],"consensus_eps_estimate":null,"consensus_eps_actual":1.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":90804000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165249,"accession_number":"0000708781-25-000060","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-05-05T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Cass Q1 2025 investor presentation released; specific results not included in provided text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company furnished an investor presentation for Q1 2025 financial results on May 5, 2025.","The presentation is available on the Investors section of the company's website.","No revenue, EPS, or other financial figures are available from the filing text provided."],"consensus_eps_estimate":null,"consensus_eps_actual":0.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":46407000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165248,"accession_number":"0000708781-25-000032","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-04-17T23:59:59+00:00","items":["2.02","5.07","8.01","9.01"],"status":"ready","headline":"Cass Q1 EPS $0.66 beats $0.52 YoY; net income up 25%; sale of TEM business announced","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Diluted EPS of $0.66 vs $0.52 in Q1 2024; net income $9.0M, up 25.4% YoY.","Net interest income up 17% to $19.3M; net interest margin improved to 3.75% from 3.26%.","Signed asset purchase agreement to sell TEM business to Asignet USA; discontinued ops accounting applied.","Declared Q2 dividend $0.31/share, payable June 13 to holders of record June 3.","Repurchased 116,109 shares at avg $42.86; received $2.0M partial litigation settlement."],"consensus_eps_estimate":null,"consensus_eps_actual":0.66,"consensus_revenue_estimate":null,"consensus_revenue_actual":46407000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":165247,"accession_number":"0000708781-25-000030","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-04-08T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Cass Information Systems sells TEM business to Asignet for $18M cash","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Cass sells its Telecom Expense Management & Managed Mobility Services business to Asignet USA Inc. for $18.0M in cash.","Transaction expected to close in Q2 2025; subject to customary closing conditions.","CEO Martin Resch says sale aligns with strategy to focus capital on financial exchange and information processing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182924,"accession_number":"0000708781-25-000004","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-01-24T23:59:59+00:00","items":["5.02","5.03","9.01"],"status":"ready","headline":"Cass Info Systems awards RSUs to named executives, amends bylaws to declassify board","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board grants 8,303 time-based and 12,455 performance-based RSUs to CEO Martin Resch; other NEOs get proportional awards.","Bylaws amended to declassify board: directors elected at 2025 annual meeting will serve one-year terms, full declassification by 2027.","Advance notice requirements for shareholder proposals and director nominations enhanced, including disclosure of interests and proxy intentions.","RSUs cliff-vest after three years; performance-based RSUs (60%) tied to EPS and ROE goals, payout 0%-150% of target.","Dividend equivalents accrue on time-based RSUs; no dividends on unearned performance-based RSUs."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":182923,"accession_number":"0000708781-25-000002","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2025-01-23T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Q4 EPS $0.33 (-46% YoY); pension termination $3.5M; buys AcuAudit; declares $0.31 dividend","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $4.6M ($0.33 diluted EPS) down 45.4% from $8.4M ($0.61) in Q4 2023.","Incurred $3.5M one-time pension termination expense; expects ~$1M annual operating cost reduction.","Acquired AcuAudit for $3M base plus earnout; current ARR ~$2.5M; expected EBITDA neutral in 2025.","Board declared $0.31 per share dividend, payable March 14, 2025 to holders of record March 4, 2025.","Net interest margin expanded to 3.55% from 3.30%; facility transaction volumes up 20.3% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":1.39,"consensus_revenue_estimate":null,"consensus_revenue_actual":199189000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":199512,"accession_number":"0000708781-24-000087","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2024-10-17T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Q3 EPS $0.21 vs $0.54 YoY; $6.6M bad debt hits; dividend raised to $0.31","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q3 net income $2.9M ($0.21 diluted) vs. $7.4M ($0.54) in Q3 2023; miss largely due to $6.6M bad debt on a facility funding receivable.","Bad debt expense related to a facility client; full write-off recorded; company pursuing litigation to collect.","Net interest margin expanded to 3.55% from 3.24%; loan yield rose to 5.40% from 4.88%.","Facility transaction volumes up 26.3% YoY; transportation dollar volumes down 1.8% but transaction volumes up 2.6%.","Quarterly dividend raised to $0.31 from $0.30 per share, payable Dec 13 to holders of record Dec 3."],"consensus_eps_estimate":null,"consensus_eps_actual":1.06,"consensus_revenue_estimate":null,"consensus_revenue_actual":148818000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":215552,"accession_number":"0000708781-24-000072","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2024-07-18T23:59:59+00:00","items":["2.02","8.01","9.01"],"status":"ready","headline":"Cass Q2 EPS $0.32 vs $0.52 YoY; net income $4.5M; client cyber event, $3.4M one-time expenses","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $4.5M ($0.32 EPS) vs $7.1M ($0.52) in Q2 2023; revenue impacted by drop in transportation volumes and loss of $100M client funding.","Facility transaction volumes grew 25.1% YoY; transportation dollar volumes fell 6.5% due to freight recession.","One-time expenses of $3.4M: $2.1M reserves on receivables and $1.3M late fees from check processing delay tied to client cyber event; permanent loss of ~$100M non-interest bearing funding.","Board declared Q3 dividend $0.30/share, payable Sept 13, 2024 to holders of record Sept 3, 2024.","Pension plan termination approved; expects ~$5.0M one-time expense in Q4 2024/Q1 2025, annual savings ~$1.0M."],"consensus_eps_estimate":null,"consensus_eps_actual":0.84,"consensus_revenue_estimate":null,"consensus_revenue_actual":98268000.0,"consensus_period":"2024-Q2","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":234891,"accession_number":"0000708781-24-000035","cik":708781,"company_name":"CASS INFORMATION SYSTEMS INC","ticker":"CASS","form_type":"8-K","filed_at":"2024-04-18T23:59:59+00:00","items":["2.02","5.07","8.01","9.01"],"status":"ready","headline":"Cass Q1 EPS $0.52 vs $0.51 YoY; facility transactions up 23% as freight volumes drop","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $7.2M ($0.52 diluted EPS), up 0.5% YoY but down 15% from Q4 2023.","Processing fees rose 8.9% YoY on 23% facility transaction volume growth; transportation dollar volumes fell 12.9%.","Operating expenses increased only 0.7% despite new client onboarding, showing improved scalability.","A cyber event at a CassPay client reduced payment volumes and average accounts and drafts payable in Q1.","Board declared Q2 dividend of $0.30/share payable June 14, 2024 to holders of record June 4."],"consensus_eps_estimate":null,"consensus_eps_actual":0.52,"consensus_revenue_estimate":null,"consensus_revenue_actual":49678000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":595290634.3447906,"market_cap_bucket":"not_microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":null}