Filing Flows › Cass Information Systems (CASS) › Q3 2026
Cass Information Systems (CASS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Cass Information Systems (CASS) reported revenue of $52.7M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +6% from the quarter before. Operating margin was 24.5%, net earnings $10.6M (20.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $52.7M | +6% | +5% |
| Operating profit | $12.9M | -2% | +12% |
| Net earnings | $10.6M | -0.1% | +16% |
| Operating cash flow | $4.3M | -74% | -65% |
| Free cash flow | $2.7M | -81% | -76% |
What changed
Revenue was $52.7M in Q3 2026, up 5% year over year and up 6% from the previous quarter. Processing fees was the largest line at 30% of revenue. Financial fees added $1.2M year over year (up 12%), 46% of the total change. Processing fees declined 5%.
Operating profit was $12.9M, a 24.5% margin (up 1.5 points year over year). Of the extra revenue versus Q3 2025, 53% reached operating profit, above the 23% margin then. Total costs grew 3% against revenue growth of 5%. Net earnings were $10.6M, up 16% year over year. The effective tax rate was 18.2%.
Operating cash flow was $4.3M (down 65% year over year), 41% of net earnings. Non-cash charges added back $2.0M of depreciation and amortization and $1.0M of share-based compensation. Working capital and other items used $9.3M. Capital expenditures of $1.7M left free cash flow of $2.7M.
Questions
What was Cass Information Systems' revenue in the third quarter 2026?
Cass Information Systems (CASS) reported revenue of $52.7M for the third quarter 2026 (Q3 2026), +5% from a year earlier and +6% from the quarter before.
Was Cass Information Systems profitable in the third quarter 2026?
Operating profit was $12.9M (24.5% of revenue) and net earnings $10.6M.