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CASS INFORMATION SYSTEMS INC

CASS INFORMATION SYSTEMS INC is an American business services company based in Saint Louis, active since 1982.2

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Last updated Oct 21, 2026.

Overview

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  • TickerCASS on Nasdaq2
  • IndustryServices-Business Services, NEC2
  • HeadquartersSaint Louis, United States2
  • Incorporated inMO3
  • Business address12444 Powerscourt Drive, St. Louis, Mo 631313
  • Filer categoryAccelerated filer3
  • Legal formFor-Profit Corporation2
  • LEI549300G7XPIPR7SJ2F382
  • StatusActive2
  • LEI statusIssued and current2
  • Registered addressC/O Schuckman, Matthew S., 63131 Saint Louis, United States2
  • Registered withCorporations Unit, Business Services (Office of the Secretary of State), 002428382

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Cass Information Systems, Inc. (“Cass” or the “Company”) provides payment and information processing services to large manufacturing, distribution and retail enterprises across the United States. The Company’s services include freight invoice rating, payment processing, auditing, and the generation of accounting and transportation information. Cass also processes and pays facility-related invoices, which include electricity and gas as well as waste and telecommunications expenses. Cass solutions include integrated payments, a B2B payment platform for clients that require an agile fintech partner. Additionally, the Company offers a church management software solution and an on-line platform to provide generosity services for faith-based and non-profit organizations. The Company’s bank subsidiary, Cass Commercial Bank (the “Bank”), supports the Company’s payment operations. The Bank also p…4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

32.5%Net margin5
-1.8%Revenue growth, 20255
14.5%Return on equity5
$31.8MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs60¢$65.2M
  • Income tax7¢$7.6M
  • Profit33¢$35.1M

Out of $108.0M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending12¢$5.7M
  • Dividends paid34¢$16.5M
  • Share buybacks54¢$26.0M

Out of $37.4M of cash from operations. Spending exceeded cash from operations; the rest came from savings or borrowing.5

Financial statements

Revenue67895$108.0M in 2025−1% since 2019
0$50.0M$100.0M$150.0M2019: $109.3M$109.3M20192020: $98.9M$98.9M2020−10%2021: $108.7M$108.7M2021+10%2022: $121.7M$121.7M2022+12%2023: $106.1M$106.1M2023−13%2024: $109.9M$109.9M2024+4%2025: $108.0M$108.0M2025−2%
Net income67895$35.1M in 2025+15% since 2019
0$10.0M$20.0M$30.0M$40.0M2019: $30.4M$30.4M20192020: $25.2M$25.2M2020−17%2021: $28.6M$28.6M2021+14%2022: $34.9M$34.9M2022+22%2023: $30.1M$30.1M2023−14%2024: $19.2M$19.2M2024−36%2025: $35.1M$35.1M2025+83%
Fiscal year2019202020212022202320242025
Revenue$109.3M6$98.9M7$108.7M8$121.7M9$106.1M5$109.9M5$108.0M5
Operating expenses$139.6M9$142.5M5$157.7M5$152.0M5
Interest$5.2M6$2.4M7$1.2M8$3.5M9$16.3M9$20.3M9
Income before tax$33.8M8$42.9M9$34.5M5$23.4M5$38.8M5
Income tax$7.1M6$5.2M7$5.2M8$8.0M9$6.6M5$4.9M5$7.6M5
Net income$30.4M6$25.2M7$28.6M8$34.9M9$30.1M5$19.2M5$35.1M5
Earnings per share$2.116$1.757$2.038$2.589$2.225$1.425$2.665
Earnings per share (diluted)$2.076$1.737$2.008$2.539$2.185$1.395$2.615
Shares (weighted, basic)14.1M shares813.6M shares913.5M shares513.5M shares513.2M shares5
Shares (weighted, diluted)14.3M shares813.8M shares913.8M shares513.8M shares513.5M shares5

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Corporate structure

CASS INFORMATION SYSTEMS INC sits at the top of its group. 2 entities, 2 countries on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CASS INFORMATION SYSTEMS INC

  • VANGUARD GROUP INC Filed SCHEDULE 13G/A on CASS INFORMATION SYSTEMS INC, latest Mar 26, 2026 (4 filings since Feb 9, 2022)
  • BlackRock Filed SCHEDULE 13G/A on CASS INFORMATION SYSTEMS INC, latest Jan 21, 2026 (4 filings since Feb 1, 2022)
  • CASS INFORMATION SYSTEMS INC Saint Louis, Missouri, United States
    • Cass Europe B.V. Subsidiary · Breda, Netherlands

Built from parent and subsidiary links from GLEIF, the Global Legal Entity Identifier Foundation (CC0); major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CASS INFORMATION SYSTEMS INC reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$84.3M5 Dec 31, 2025$82.9M5 Dec 31, 2024+1.8%
Accumulated depreciation$54.9M5 Dec 31, 2025$52.3M5 Dec 31, 2024+4.9%
Property and equipment, net$29.4M5 Dec 31, 2025$30.6M5 Dec 31, 2024−3.7%
Operating-lease assets (leased space)$4.4M5 Dec 31, 2025$7.0M9 Dec 31, 2024−37.1%

Investments

ItemLatestA year beforeChange
Marketable securities, current$366.1M5 Dec 31, 2025$330.4M5 Dec 31, 2024+10.8%
Loans, net of allowance$1.0B5 Dec 31, 2025$1.1B5 Dec 31, 2024−2.0%
Deposits held (banks)$1.2B5 Dec 31, 2025$967.9M5 Dec 31, 2024+24.0%

Intangibles and goodwill

ItemLatestA year beforeChange
Goodwill$16.2M5 Dec 31, 2025$16.3M5 Dec 31, 2024−1.0%
Intangible assets, net (excluding goodwill)$3.7M5 Dec 31, 2025$4.9M5 Dec 31, 2024−24.1%
Accumulated amortization$8.4M5 Dec 31, 2025$7.2M5 Dec 31, 2024+16.5%

Properties, in its own words

The Company leases office space in St. Louis County, Missouri, to house the headquarters of the Company and the Bank. The Company’s headquarters occupy 7,549 square feet in an office center at 12444 Powerscourt Drive. The Bank’s headquarters occupy 16,572 square feet in the same center at 12412 Powerscourt Drive.

The Company owns approximately 61,500 square feet of office space at 13001 Hollenberg Drive in Bridgeton, Missouri, where the Company’s transportation processing activities are performed.

The rest of Item 2

The Company owns a production facility of approximately 48,300 square feet located at 2675 Corporate Exchange Drive, Columbus, Ohio. Additional facilities are located in Wellington, Kansas, Jacksonville, Florida, and Brighton, Michigan. The Company has offices in Breda, Netherlands, Basingstoke, United Kingdom, and Singapore to service its multinational customers.

In addition, the Bank owns a banking facility near downtown St. Louis, Missouri, has an operating branch in the Bridgeton, Missouri location, and has an additional leased facility in Colorado Springs, Colorado.

Management believes that these facilities are suitable and adequate for the Company’s operations.

Item 2 of the 10-K filed Mar 6, 2026.4

Leadership

Who has led CASS INFORMATION SYSTEMS INC, and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Lawrence A. Collett2006–2008
  2. Eric H. Brunngraber2009–2023
  3. Martin H. Resch2023–now

Chair

  1. Lawrence A. Collett2006–2008
  2. Eric H. Brunngraber2024–now

President

  1. Kenneth A. Witbrodt Jr.2006
  2. Eric H. Brunngraber2006–2021
  3. Robert J. Mathias2008–2019
  4. Gary B. Langfitt2012–2013
  5. Dwight D. Erdbruegger2018–2022
  6. Martin H. Resch2022–2026
  7. Eric Thomas Giering2026–now

Chief financial officer

  1. Eric H. Brunngraber2006
  2. P. Stephen Appelbaum2006–2021

Chief operating officer

  1. Gary B. Langfitt2006–2022
  2. John F. Pickering2006–2015
  3. Eric H. Brunngraber2006–2008
  4. Martin H. Resch2020–2023
2010201520202025
Board members and other officers (23)

Former names

  • CASS COMMERCIAL CORPOct 31, 1996 to Jan 24, 20013

Timeline

  1. Oct 8, 20268-K Executive or director change52
  2. Jul 23, 20268-K Results of operations; Other events53
  3. Apr 23, 20268-K Results of operations; Executive or director change; Shareholder vote54
  4. Mar 30, 20268-K Executive or director change55
  5. Jan 22, 20268-K Results of operations; Other events56
  6. Nov 10, 20258-K Other events57
  7. Oct 23, 20258-K Results of operations; Other events58
  8. Jul 17, 20258-K Results of operations; Other events59
  9. May 5, 20258-K Results of operations60
  10. Apr 17, 20258-K Results of operations; Shareholder vote; Other events61
  11. Apr 8, 20258-K Other events62
  12. Jan 24, 20258-K Executive or director change; Bylaws or fiscal year changed63
  13. Apr 24, 2023New chief executive Martin H. Resch becomes CEO14
  14. Jan 5, 2009New chief executive Eric H. Brunngraber becomes CEO15
  15. Jan 5, 2006New chief executive Lawrence A. Collett becomes CEO16
  16. Jul 1, 1982Founded CASS INFORMATION SYSTEMS INC is founded2

Calendar

Coming up

  1. Oct 22, 2026Reports results for the quarter ending Sep/2026 A year earlier it reported $0.69 a share, on Oct 23, 2025.64

When it reported results

  1. Jul 23, 2026Reported quarterly or annual results53
  2. Apr 23, 2026Reported quarterly or annual results54
  3. Jan 22, 2026Reported quarterly or annual results56
  4. Oct 23, 2025Reported quarterly or annual results58
  5. Jul 17, 2025Reported quarterly or annual results59
  6. May 5, 2025Reported quarterly or annual results60
  7. Apr 17, 2025Reported quarterly or annual results61
  8. Jan 23, 2025Reported quarterly or annual results65

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

302 filings to the SEC since October 2021: 5 annual reports, 15 quarterly reports, 37 major events, 218 insider forms, 8 large holders, 19 other. The latest 20:

  1. Oct 8, 20268-K EDGAR
  2. Sep 11, 20264 EDGAR
  3. Sep 11, 20264 EDGAR
  4. Sep 11, 20264 EDGAR
  5. Aug 5, 202610-Q EDGAR
  6. Jul 23, 20268-K EDGAR
  7. Jun 29, 202611-K EDGAR
  8. Jun 12, 20264 EDGAR
  9. Jun 12, 20264 EDGAR
  10. Jun 12, 20264 EDGAR
  11. May 5, 202610-Q EDGAR
  12. Apr 27, 20264 EDGAR
  13. Apr 27, 20264 EDGAR
  14. Apr 27, 20264 EDGAR
  15. Apr 27, 20264 EDGAR
  16. Apr 27, 20264 EDGAR
  17. Apr 27, 20264 EDGAR
  18. Apr 27, 20264 EDGAR
  19. Apr 27, 20264 EDGAR
  20. Apr 27, 20264 EDGAR

The 302 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

16 open-market trades by officers, directors and large owners since October 2021: 14 buys and 2 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Oct 2, 2025Resch Martin H.President & CEOBuy500$38.69$19.3KForm 4
Aug 1, 2025Normile Michael JamesCFOBuy200$39.61$7.9KForm 4
Aug 1, 2025Resch Martin H.President & CEOBuy500$39.50$19.8KForm 4
Jul 31, 2025Resch Martin H.President & CEOBuy500$39.75$19.9KForm 4
Apr 21, 2025Resch Martin H.President & CEOBuy200$39.00$7.8KForm 4
Apr 21, 2025Normile Michael JamesCFOBuy250$39.25$9.8KForm 4
Oct 21, 2024Normile Michael JamesCFOBuy200$40.30$8.1KForm 4
Oct 23, 2023Resch Martin H.President & CEOBuy1,000$36.50$36.5KForm 4
Apr 24, 2023Resch Martin H.President & CEOBuy1,000$36.00$36.0KForm 4
Apr 24, 2023Normile Michael JamesCFOBuy100$36.40$3.6KForm 4
Apr 21, 2023Resch Martin H.President & CEOBuy1,000$37.50$37.5KForm 4
Apr 20, 2023Resch Martin H.President & CEOBuy1,166$36.16$42.2KForm 4
Apr 20, 2023Normile Michael JamesCFOBuy250$36.25$9.1KForm 4
Sep 13, 2022Resch Martin H.President & CEOBuy500$35.70$17.9KForm 4
Dec 7, 2021LANGFITT GARY BCOO UtilitiesSale1,000$42.24$42.2KForm 4
Dec 7, 2021LANGFITT GARY BCOO UtilitiesSale500$42.24$21.1KForm 4

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Martin H. ReschPresident and CEO$683.7K$2.0M68
2025Michael J. NormileExecutive Vice President and CFO$355.7K$844.6K68
2025Dwight D. ErdbrueggerPresident, Cass Commercial Bank$347.7K$788.2K68
2025James M. CavellierExecutive Vice President and CIO$330.7K$736.1K68
2025Matthew S. SchuckmanExecutive Vice President, General Counsel, and Corporate Secretary$294.6K$658.5K68
2024Martin H. ReschPresident and CEO$668.8K$1.7M68
2024Michael J. NormileExecutive Vice President and CFO$344.8K$670.7K68
2024Dwight D. ErdbrueggerPresident, Cass Commercial Bank$337.1K$656.2K68
2024James M. CavellierExecutive Vice President and CIO$322.1K$617.1K68
2024Matthew S. SchuckmanExecutive Vice President, General Counsel, and Corporate Secretary$285.8K$542.1K68
2023Martin H. ReschPresident and CEO$602.4K$1.5M68
2023Michael J. NormileExecutive Vice President and CFO$332.0K$666.4K68
2023Dwight D. ErdbrueggerPresident, Cass Commercial Bank$325.8K$649.1K68
2023James M. CavellierExecutive Vice President and CIO$312.5K$623.4K68
2023Matthew S. SchuckmanExecutive Vice President, General Counsel, and Corporate Secretary$276.8K$553.4K68

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 100. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
BlackRock, Inc.1,001,610$51.4M0.0%+98,327
Vanguard Capital Management LLC538,563$27.6M0.0%−11,892
Brown Advisory Inc527,301$27.1M0.0%+5,661
Heartland Advisors Inc493,406$25.3M1.1%+22,882
Speece Thorson Capital Group Inc347,328$17.8M3.8%−6,909
Dimensional Fund Advisors LP341,431$17.5M0.0%−5,245
Geode Capital Management, LLC304,461$15.6M0.0%+15,540
State Street Corp289,009$14.8M0.0%+1,441
ProShare Advisors LLC279,918$14.4M0.0%−9,928
Tributary Capital Management, LLC241,747$12.4M1.0%−7,191
Vanguard Portfolio Management LLC180,902$9.3M0.0%+14,520
Punch & Associates Investment Management, Inc.156,527$8.0M0.4%+43,467
Crawford Investment Counsel Inc134,585$6.9M0.1%+12,763
Arrowstreet Capital, Limited Partnership125,341$6.4M0.0%−12,349
Aqr Capital Management LLC108,997$5.6M0.0%+51,193
Acumen Wealth Advisors, LLC105,619$5.4M1.1%−200
Northern Trust Corp105,172$5.4M0.0%+4,612
Charles Schwab Investment Management Inc95,919$4.9M0.0%+1,300
Nuveen, LLC85,787$4.4M0.0%+59,218
Goldman Sachs Group Inc84,019$4.3M0.0%+2,430
Vanguard Fiduciary Trust Co82,341$4.2M0.0%+3,216
Royce & Associates LP81,470$4.2M0.0%−6,417
Two Sigma Investments, LP80,434$4.1M0.0%+16,106
Hotchkis & Wiley Capital Management LLC80,232$4.1M0.0%+700
Ballast Asset Management, LP77,287$4.0M1.6%+26,018

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CASS INFORMATION SYSTEMS INC is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCASS INFORMATION SYSTEMS INC1
  • CIK0000708781
  • Employer ID (EIN)43-12653384
  • Filer statusAccelerated filer not an emerging growth company; not a smaller reporting company; not a shell company4
  • Incorporated inMissouri4
  • Fiscal year endsDecember 311
  • Industry code (SIC)7389 Services-Business Services, NEC1
  • SEC reviewing officeOffice of Trade & Services, Division of Corporation Finance1
  • Business address12444 Powerscourt Drive, St. Louis, MO 631311
  • Phone314-506-55001
  • Shares outstanding12,806,149 as of Aug 3, 202611
  • Public float$555.5M as of Jun 30, 20254
  • AuditorKPMG LLP, St. Louis, MO PCAOB ID 185; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceMay 14, 19961
  • Filings1,351 in all: 4 (912), 8-K (129), 10-Q (92), SC 13G/A (42), DEF 14A (30), 10-K (25), 3 (24), 11-K (14)1
    All 26 form types

    DEFA14A (12), UPLOAD (11), SC 13G (10), 5 (9), CORRESP (9), 4/A (7), S-8 (6), 10-K405 (5), S-8 POS (4), SCHEDULE 13G/A (2), 10-K/A (1), 10-Q/A (1), 8-A12G (1), 8-K/A (1), ARS (1), DEFR14A (1), PRE 14A (1), REGDEX (1)

  • Latest filingsAnnual report (10-K) Mar 6, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Mar 6, 2026
    Latest 8-K (8-K) Oct 8, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, par value $0.50 per shareCASSNasdaq

From the cover page of the 10-K filed Mar 6, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks CASS INFORMATION SYSTEMS INC names in Item 1A of its 10-K filed Mar 6, 2026: 30 risks under these headings, as written.4

  • Economic and Market Conditions Risk
  • Risks from fluctuating conditions in the financial markets and economic and political conditions generally affect the Company
  • Certain events beyond the Company’s control, such as severe weather, natural disasters, terrorist activities or other hostilities, may adversely affect the general economy, financial and capital markets, specific industries, and the Company.
  • Credit and Interest Rate Risks
  • Unfavorable developments concerning customer credit quality could affect Cass’ financial results.
  • The Company’s allowance for credit losses (“ACL”) is subject to continuing evaluation and may be insufficient.
  • Fluctuations in interest rates could affect Cass’ net interest income and balance sheet.
  • In certain circumstances, Cass remits payment of invoices prior to receiving funds from its customers. As such, Cass could experience losses if such funds are not received from customers after payment is remitted.
  • The Company has lending concentrations, including, but not limited to, faith-based ministries located in selected cities, franchise restaurants, and privately-held businesses located in or near St. Louis, Missouri, that could suffer a significant decline which could adversely affect the Company.
  • Rising interest rates have decreased the value of the Company’s available-for-sale investment securities portfolio, and the Company would realize losses if it were required to sell such investment securities to meet liquidity needs.
  • Business Operations and Strategic Risk
  • Cass uses AI in connection with its business and operations, which exposes the Company to inherent risks that may expose it to material harm.
The other 21 risks
  • The Company is exposed to risks associated with the handling of customer funds.
  • The Company may be adversely impacted by changing oil and overall energy prices.
  • The Company may be adversely impacted by changing freight rates.
  • Interruptions or performance problems associated with the Company's network technology and infrastructure may adversely affect its business and operating results.
  • Operational difficulties or cybersecurity problems could damage Cass’ reputation and business.
  • Cass must respond to rapid technological changes and these changes may be more difficult or expensive than anticipated.
  • Methods of reducing risk exposures might not be effective.
  • Customer borrowing, repayment, investment, deposit, and payable processing practices may be different than anticipated.
  • Competitive product and pricing pressure within Cass’ markets may change.
  • Management’s ability to maintain and expand customer relationships may differ from expectations.
  • The introduction, withdrawal, success and timing of business initiatives and strategies, including, but not limited to, the expansion of payment and processing activities to new markets, and the expansion of products and services to existing markets, may be less successful or may be different than anticipated.
  • The Company is subject to liquidity risk.
  • Management’s ability to retain key officers and employees may change.
  • Cass’ stock price can become volatile and fluctuate widely in response to a variety of factors.
  • Regulatory, Legal and Accounting Risk
  • The Company is subject to extensive government regulation and supervision and possible enforcement or other legal actions that could detrimentally affect Cass’ business.
  • The Company may need to raise additional capital or sell assets if it fails to meet regulatory capital requirements or meet commitments and liquidity needs. Such capital may not be available on favorable terms, or at all.
  • Legal and regulatory proceedings and related matters with respect to the financial services industry, including those directly involving the Company and its subsidiaries, could adversely affect Cass or the financial services industry in general.
  • The Company’s accounting policies and methods are the basis of how Cass reports its financial condition and results of operations, and they require management to make estimates about matters that are inherently uncertain. In addition, changes in accounting policies and practices, as may be adopted by the regulatory agencies, the Financial Accounting Standards Board, or other authoritative bodies, could materially impact Cass’ financial statements.
  • Cass is subject to examinations and challenges by tax authorities, which, if not resolved in the Company’s favor, could adversely affect the Company’s financial condition and results of operations.
  • General Risks
  • The value of the Company's goodwill and other intangible assets may decline in the future.
  • Climate change could have a material negative impact on the Company and its clients.

Legal proceedings

The Company and its subsidiaries are not involved in any pending proceedings other than ordinary routine litigation incidental to their businesses. Management believes none of these proceedings, if determined adversely, would have a material effect on the business or financial conditions of the Company or its subsidiaries.

The opening of Item 3, Legal Proceedings.4

Sources

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