CASS INFORMATION SYSTEMS INC
For the period ended Sep 30, 2025. Filed Nov 4, 2025.
View on SEC.govAbout this filing
A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 4, 2025
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
| PART I – Financial Information | ||
|---|---|---|
| Item 1. · FINANCIAL STATEMENTS | ||
| Consolidated Balance Sheets September 30, 2025 (unaudited) and December 31, 2024 | 3 | |
| Consolidated Statements of Income Three and Nine Months Ended September 30, 2025 and 2024 (unaudited) | 4 | |
| Consolidated Statements of Comprehensive Income Three and Nine Months Ended September 30, 2025 and 2024 (unaudited) | 5 | |
| Consolidated Statements of Cash Flows Nine Months Ended September 30, 2025 and 2024 (unaudited) | 6 | |
| Consolidated Statements of Shareholders’ Equity Three and Nine Months Ended September 30, 2025 and 2024 (unaudited) | 7 | |
| Notes to Consolidated Financial Statements (unaudited) | 9 | |
| Item 2. | MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS | 27 |
| Item 3. | QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK | 41 |
| Item 4. | CONTROLS AND PROCEDURES | 41 |
| PART II – Other Information – Items 1. – 6. | 43 | |
| SIGNATURES | 45 | |
Forward-looking Statements - Factors That May Affect Future Results
This report may contain or incorporate by reference forward-looking statements made pursuant to the safe harbor provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. Although we believe that, in making any such statements, our expectations are based on reasonable assumptions, forward-looking statements are not guarantees of future performance and involve risks, uncertainties, and other factors beyond our control, which may cause future performance to be materially different from expected performance summarized in the forward-looking statements. These risks, uncertainties and other factors are discussed in Part I, Item 1A, “Risk Factors” of the Company’s 2024 Annual Report on Form 10-K, filed with the Securities and Exchange Commission (“SEC”), which may be updated from time to time in our future filings with the SEC. We undertake no obligation to publicly update or revise any forward-looking statements to reflect changed assumptions, the occurrence of anticipated or unanticipated events, or changes to future results over time.
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