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Stock Ratings / Consumer Discretionary / CASS / insiders
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Cass Information Systems Inc (CASS) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$54.09 +2.56% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $54.24

Cass Information Systems Inc (CASS) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $675.4M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CASS Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CASS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Cass Information Systems Inc (NASDAQ: CASS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $54.09 (+2.56% 1D, market cap $675.4M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1009 tracked Consumer Discretionary issuers, CASS ranks #287 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CASS compare to PRTH and PHR in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), CASS carries a Roarable C (62/100 RQD), trailing P/E of 19.6x, gross margin of —, and ROIC of 14.5%. By comparison, PRTH (Priority Technology Holdings Inc.) holds a C grade (64/100 RQD, P/E 11.6x, ROIC 12.9%, cap $646.3M) and PHR (Phreesia Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC -2.0%, cap $772.2M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while RMNI leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CASS?
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Per CASS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000708781), Cass Information Systems Inc generated $108.0M in revenue (-1.8% YoY), $35.1M in net income, and $31.8M in free cash flow against $2.61B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $54.24 (+0.27%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 29.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk C
Cash (13)Whales (8)SEC (13)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$65 Bull$55 Base$43 Bear
📬 FREE CASS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASS)Realized 20D OHLCV Swing Band: ±4.8%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY CASS SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: Cash Engine Quality+13/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 29.4% FCF Margin ($31.8M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$53.71+2% Next Q
Q2 (-2Q)
57
Grade C$54.78-0.6% Next Q
Q3 (-1Q)
59
Grade C$54.45-0.7% Next Q
Current
62
Grade C$54.09+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CASS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, CASS faces multiple-compression risk if 19.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($54.76) or 200D SMA ($50.00) invalidates the momentum regime and cuts Target Base ($55.06) toward Bear Floor ($42.95).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CASS• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “CASS Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CASS Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CASS)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CASS. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CASS Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CASS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.97%📐 WEDGE COMPRESSION COIL
2026-11-03O $53.71H $54.09L $52.74C $54.09VOL 93.2K
RES: $57.43SUP: $52.44SMA50: $54.76SMA200: $50.00
$60.81$55.92$51.04$46.15$41.26RES $57.43SUP $52.44$54.092026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CASS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CASS Butterfly Map → + Track CASS →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
13.1%/yr Implied 5Y Growth

vs. -1.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CASS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CASS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CASS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CASS)

Consumer Discretionary Rank #287 of 1009 ⚔️ PRTH vs CASS Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CASS vs. PRTH, PHR, MAX, RMNI)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Cass Information Systems Inc (CASS) ranks #287 by composite RQD confidence (62/100, grade C) and #554 by equity capitalization ($675.4M). Within this direct 5-issuer industry benchmark cohort, RMNI leads on earnings valuation at 10.0x trailing P/E, while RMNI leads on capital efficiency and profitability with 85.0% ROIC and 60.4% gross margin. MAX currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with CASS at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CASS ACTIVE
Cass Information Systems Inc
C 62/100 19.6x — 14.5% +2.56% $675.4M Benchmark Subject
PRTH
Priority Technology Holdings Inc.
C 64/100 11.6x — 12.9% +0.89% $646.3M /prth-vs-cass →
PHR
Phreesia Inc.
D+ 56/100 — — -2.0% 0.00% $772.2M /phr-vs-cass →
MAX
MediaAlpha Inc. (Class A)
C+ 69/100 32.6x 15.0% 19.7% +0.20% $873.1M /max-vs-cass →
RMNI
Rimini Street Inc.
C+ 69/100 10.0x 60.4% 85.0% -1.61% $459.8M /rmni-vs-cass →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000708781 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Cass Information Systems Inc (CASS) reported GAAP revenue of $108.0M (-1.8% vs. FY2024 revenue of $109.9M , and +1.8% cumulative change since FY2023) , GAAP net income of $35.1M, operating cash flow of $37.4M, and free cash flow of $31.8M (+4.4% YoY). On the balance sheet, CASS closed FY2025 with $2.61B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $108.0M $35.1M $37.4M $31.8M $2.61B —
FY2024 (FY) 2024-12-31 $109.9M $19.2M $38.9M $30.4M $2.40B —
FY2023 (FY) 2023-12-31 $106.1M $30.1M $36.9M $36.9M — —

3. CASS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CASS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Cass Information Systems Inc (NASDAQ: CASS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $54.09 (+2.56% 1D, market cap $675.4M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1009 tracked Consumer Discretionary issuers, CASS ranks #287 in composite RQD confidence.

How does CASS compare to PRTH and PHR in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), CASS carries a Roarable C (62/100 RQD), trailing P/E of 19.6x, gross margin of —, and ROIC of 14.5%. By comparison, PRTH (Priority Technology Holdings Inc.) holds a C grade (64/100 RQD, P/E 11.6x, ROIC 12.9%, cap $646.3M) and PHR (Phreesia Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC -2.0%, cap $772.2M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while RMNI leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CASS?

Per CASS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000708781), Cass Information Systems Inc generated $108.0M in revenue (-1.8% YoY), $35.1M in net income, and $31.8M in free cash flow against $2.61B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CASS trading relative to its 50-day, 200-day, and 52-week technical levels?

CASS last traded at $54.09 (+2.56% on volume of 72,081 shares), positioning the stock -1.22% below its 50-day simple moving average ($54.76) and +8.18% above its 200-day simple moving average ($50.00). Across its 52-week range of $38.61 to $59.63, CASS sits at the 73.6% percentile with a 14-day RSI of 41.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($51.49 to $56.69).

Direct Sub-Reports: CASS RQD Cockpit CASS 12M Forecast CASS Earnings & Move CASS Dividends & DRIP CASS Insiders & 13F CASS Whale Options CASS Profit Sankey CASS News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

CASS — Cass Information Systems Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Cass Information Systems Inc (CASS) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $54.09 (+2.56% 1D, market capitalization $675.4M).

  • Fundamental Cash Engine (13/20): Anchored by return on invested capital (ROIC) of 14.5%, gross margin of —, operating margin of —, and free cash flow yield of 4.62%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Cass Information Systems Inc (CASS) is a NASDAQ-listed issuer classified under the Consumer Discretionary sector and the Business Services industry. — describes its products, customers, or revenue model beyond this classification.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Cass Information Systems Inc (CASS) reported $108.0M in annual revenue (up from $109.9M in FY2024, -1.8% YoY) and $35.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($106.1M revenue, $30.1M net income) through FY2025, CASS scaled operating cash flow to $37.4M and free cash flow to $31.8M, backed by $2.61B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.62% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 13/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $38.61 – $59.63 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 19.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Second-order bottlenecks cannot be identified from the provided material.

  • Key Question #1: Can CASS sustain or expand its — operating margin and 14.5% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $108.0M and free cash flow of $31.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CASS's 18.2x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CASS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Cass Information Systems Inc (CASS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to CASS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CASS Bull vs. Bear Conversation Board — What's Your Call at $54.09?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CASS 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CASS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $60.65 (+15.0%)
📌 Pinned Debate

Insider Conviction scores 15/20 and ROIC is 14.5%, the strongest signals in the RQD pillars alongside a recent Q3 earnings beat.

Insider Conviction scores 15/20 and ROIC is 14.5%, the strongest signals in the RQD pillars alongside a recent Q3 earnings beat.. When you look under the hood at CASS, Fundamental Cash Engine is 13/20 with 0.0% gross margins and 14.5% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (8/20) has been quietly accumulating below $59.63. My 12M target is $60.65.

CapAlloc_Nerd 🐂 BULL

@ShortSeller_Dan Fair point on 19.6x trailing P/E, but you're ignoring the forward operating leverage in Business Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $40.61 (-23.0%)
Spot @ $52.74

A Raymond James downgrade on valuation and Whale 13F Flow scoring only 10/20 point to weakening institutional support.

Fading this rally in CASS at $52.74. A Raymond James downgrade on valuation and Whale 13F Flow scoring only 10/20 point to weakening institutional support.. With a beta of 1.0 and the stock sitting at $52.74 (52-wk range $38.61–$59.63), the easy multiple expansion is already priced in.

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