{"schema_version":"secwatch.filing_event.v1","accession":"0000708781-24-000004","form_type":"8-K","ticker":"CASS","cik":"0000708781","company_name":"CASS INFORMATION SYSTEMS INC","filed_at":"2024-01-25T23:59:59+00:00","discovered_at":"2026-05-14T18:03:26.714936+00:00","generated_at":"2026-06-06T18:44:03.576554+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"Cass Q4 EPS $0.61 down from $0.67 YoY; transportation dollar volumes fall 17.3%","bullets":["Net income $8.4M ($0.61/diluted) vs $9.3M ($0.67) in Q4 2022; full-year EPS $2.18 vs $2.53.","Transportation dollar volumes fell 17.3% to $9.0B; facility transaction volumes rose 9.7%.","Net interest margin improved to 3.30% from 3.15%; net interest income decreased 1.7%.","Board declared Q1 dividend $0.30/share payable March 15, 2024 to holders of record March 5.","No non-performing loans or charge-offs; credit quality remains exceptional."],"urls":{"canonical":"https://secwatch.observer/filing/0000708781-24-000004","json":"https://secwatch.observer/filing/0000708781-24-000004.json","markdown":"https://secwatch.observer/filing/0000708781-24-000004.md","text":"https://secwatch.observer/filing/0000708781-24-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/708781/000070878124000004/0000708781-24-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/708781/000070878124000004/cass-20240125.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T18:44:03.576554+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"155c3f186252ac4bb95e2c475cd87b52683fad63","claim":"CASS INFORMATION SYSTEMS INC reported twelve months ended December 31, 2023 results: net income $30.1 million, EPS $2.18.","evidence_excerpt":"For the year ended December 31, 2023, the Company reported net income and earnings per diluted share of $30.1 million and $2.18, respectively","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/708781/000070878124000004/0000708781-24-000004-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended December 31, 2023"},{"label":"Net income","value":"$30.1 million"},{"label":"EPS","value":"$2.18"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"5a221d31d5ad638dc20c0b698181ee1193220b9b","claim":"CASS INFORMATION SYSTEMS INC reported fourth quarter 2023 results: net income $8.4 million, EPS $0.61 per diluted share.","evidence_excerpt":"Cass Information Systems, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter of fiscal 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/708781/000070878124000004/0000708781-24-000004-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2023"},{"label":"Net income","value":"$8.4 million"},{"label":"EPS","value":"$0.61 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}