---
title: Cass Reports Record Annual Net Income and EPS
description: Cass Information Systems Reports Full Year and Fourth Quarter 2025 Results
---

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# [Cass Reports Record Annual Net Income and EPS](https://www.cassinfo.com/news/cass-reports-record-annual-net-income-and-eps)

 Written by [Cass Information Systems, Inc.](https://www.cassinfo.com/news/author/cass-information-systems-inc) | Jan 22, 2026, 1:10:47 PM

## **Full Year Financial Highlights **

- Record net income and diluted earnings per share of $35.1 million and $2.61, respectively.
- Return on average equity and assets of 14.98% and 1.43%, respectively.
- Increase in net interest income of $13.5 million, or 19.8%.
- Increase in facility dollar volumes of 14.7%.
- Increase in average accounts and drafts payable of 14.9%.
- Salaries and commissions increase limited to 0.4% as a result of a decline in average FTEs of 5.4%.
- Repurchased 617,415 shares of Company common stock at a weighted average price of $41.59.

**Fourth Quarter Financial Highlights **

- Net income and diluted earnings per share of $8.2 million and $0.62, respectively.
- Adjusted net income and adjusted diluted earnings per share from continuing operations of $9.0 million and $0.68, increases of 32.9% and 38.8% compared to the prior year quarter.
- Increase in net interest margin to 3.93%, compared to 3.55% in the prior year quarter.
- Increase in facility dollar volumes of 13.0%.
- Consolidated Waste and Utility divisions into a single Facility division to drive improved efficiency and client experience.
- Continued strong asset quality with no loan charge-offs and an allowance for credit losses to loans ratio of 1.28%. In addition, received a full payoff on the Company’s only modified loan of $27.9 million.
- Repurchased 201,450 shares of Company stock at a weighted average price of $40.59.

ST. LOUIS--(BUSINESS WIRE)--Jan. 22, 2026 - **Cass Information Systems, Inc. (Nasdaq: CASS), **(the Company or Cass)** **reported its full year and fourth quarter 2025 earnings. In announcing these results, Martin Resch, the Company’s President and Chief Executive Officer, noted, “Our record annual earnings are a testament to the ability of the entire Cass team to execute on our strategy.” Resch added, “While I am extremely proud of our performance in 2025, I am even more excited about our prospects for 2026 with revenue tailwinds from onboarding new clients as well as the prospect of interest-earning asset growth and net interest margin expansion. Operationally, the consolidation of our non-transportation invoice and payment processing activities into a single Facilities division, combined with the expanded utilization of AI-enabled systems, should result in increased efficiency and enhanced levels of client satisfaction."

[Read the full release ](https://cassinfo.gcs-web.com/news-releases/news-release-details/cass-information-systems-reports-record-annual-net-income-and)

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