---
schema_version: "secwatch.filing_event.v1"
accession: "0000708781-22-000016"
form_type: "8-K"
ticker: "CASS"
cik: "0000708781"
company_name: "CASS INFORMATION SYSTEMS INC"
filed_at: "2022-10-13T23:59:59+00:00"
generated_at: "2026-06-23T03:56:48.098714+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Cass Q3 EPS $0.64 (+33.3% YoY); revenue up 22.1%; record transport dollar volumes

## Summary
- Diluted EPS of $0.64 vs $0.48; net income $8.8M, up 29.3% YoY.
- Processing fees +2.7%, financial fees +30.5%, net interest income +39.7%.
- Record transportation dollar volumes of $11.5B (+21.1%); facility volumes $5.5B (+30.1%).
- Net interest margin expanded to 2.90% from 2.32% as short-term rates rose.
- Average loans ex-PPP +17.6%; deposits +12.4%; CEO expects improved operating leverage late 2023.

## SEC filing metadata
- accession: 0000708781-22-000016
- form_type: 8-K
- ticker: CASS
- cik: 0000708781
- company_name: CASS INFORMATION SYSTEMS INC
- filed_at: 2022-10-13T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/708781/000070878122000016/0000708781-22-000016-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/708781/000070878122000016/cass-20221013.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000708781-22-000016
- JSON: https://secwatch.observer/filing/0000708781-22-000016.json
- Plain text: https://secwatch.observer/filing/0000708781-22-000016.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.