Filing Flows › Cass Information Systems (CASS) › Q3 2026 › vs Q2 2026
Cass Information Systems (CASS) Q3 2026 vs Q2 2026 (quarter over quarter)
Cass Information Systems's revenue rose $2.8M (+6%) from $49.9M in Q2 2026 to $52.7M in Q3 2026. The biggest changes: Other revenues +$2.3M (+10%); Information services payment and processing revenue +$495K (+2%); Bank service fees −$21K (-5%). Operating margin 24.5% against 26.4% (-1.9 pts).
Cass Information Systems, Q3 2026: revenue $52.7M (+5% year over year), operating margin 24.5%, net earnings $10.6M, operating cash flow $4.3M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 24.5% | 26.4% | -1.9 pts |
| Net margin | 20.1% | 21.2% | -1.1 pts |
| Free cash flow margin | 5.0% | 27.7% | -22.7 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Processing fees | $15.9M | $16.1M | −$194K | -1% |
| Financial fees | $11.6M | $11.0M | $689K | +6% |
| Information services payment and processing revenue | $27.5M | $27.0M | $495K | +2% |
| Bank service fees | $377K | $398K | −$21K | -5% |
| Other revenues | $24.8M | $22.5M | $2.3M | +10% |
| Revenue | $52.7M | $49.9M | $2.8M | +6% |
| Operating profit | $12.9M | $13.2M | −$258K | -2% |
| Costs & expenses | $39.8M | $36.8M | $3.0M | +8% |
| Pre-tax earnings | $12.9M | $13.2M | −$258K | -2% |
| Net earnings | $10.6M | $10.6M | −$13K | -0.1% |
| Income tax | $2.3M | $2.6M | −$251K | -10% |
| Depreciation & amortization | $2.0M | $1.8M | $175K | +9% |
| Share-based compensation | $1.0M | $1.1M | −$118K | -10% |
| Working capital & other | $9.3M | −$3.4M | $12.7M | — |
| Operating cash flow | $4.3M | $16.9M | −$12.6M | -74% |
| Free cash flow (OCF − capex) | $2.7M | $13.8M | −$11.2M | -81% |
| Capital expenditures | $1.7M | $3.1M | −$1.4M | -46% |
Questions
How much did Cass Information Systems's revenue grow quarter over quarter in Q3 2026?
Cass Information Systems's revenue rose $2.8M (+6%) from $49.9M in Q2 2026 to $52.7M in Q3 2026.
What drove Cass Information Systems's revenue change in Q3 2026?
Other revenues +$2.3M (+10%); Information services payment and processing revenue +$495K (+2%); Bank service fees −$21K (-5%).