Filing Flows › Cass Information Systems (CASS) › Q3 2026 › vs Q3 2025
Cass Information Systems (CASS) Q3 2026 vs Q3 2025 (year over year)
Cass Information Systems's revenue rose $2.6M (+5%) from $50.1M in Q3 2025 to $52.7M in Q3 2026. The biggest changes: Other revenues +$2.2M (+10%); Information services payment and processing revenue +$461K (+2%); Bank service fees +$5K (+1%). Operating margin 24.5% against 23.0% (+1.5 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 24.5% | 23.0% | +1.5 pts |
| Net margin | 20.1% | 18.2% | +1.9 pts |
| Free cash flow margin | 5.0% | 22.5% | -17.5 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Processing fees | $15.9M | $16.7M | −$763K | -5% |
| Financial fees | $11.6M | $10.4M | $1.2M | +12% |
| Information services payment and processing revenue | $27.5M | $27.1M | $461K | +2% |
| Bank service fees | $377K | $372K | $5K | +1% |
| Other revenues | $24.8M | $22.6M | $2.2M | +10% |
| Revenue | $52.7M | $50.1M | $2.6M | +5% |
| Operating profit | $12.9M | $11.5M | $1.4M | +12% |
| Costs & expenses | $39.8M | $38.5M | $1.2M | +3% |
| Pre-tax earnings | $12.9M | $11.5M | $1.4M | +12% |
| Net earnings | $10.6M | $9.1M | $1.5M | +16% |
| Income tax | $2.3M | $2.4M | −$55K | -2% |
| Depreciation & amortization | $2.0M | $1.7M | $286K | +16% |
| Share-based compensation | $1.0M | $1.0M | −$6K | -0.6% |
| Working capital & other | $9.3M | −$453K | $9.7M | — |
| Operating cash flow | $4.3M | $12.3M | −$8.0M | -65% |
| Free cash flow (OCF − capex) | $2.7M | $11.3M | −$8.6M | -76% |
| Capital expenditures | $1.7M | $1.0M | $634K | +61% |
Questions
How much did Cass Information Systems's revenue grow year over year in Q3 2026?
Cass Information Systems's revenue rose $2.6M (+5%) from $50.1M in Q3 2025 to $52.7M in Q3 2026.
What drove Cass Information Systems's revenue change in Q3 2026?
Other revenues +$2.2M (+10%); Information services payment and processing revenue +$461K (+2%); Bank service fees +$5K (+1%).