Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Why CASS Stock slipped -1.81% Today — RQD Quant Desk Flash
Cass Information Systems Inc (CASS) carries a Roarable Rating of C (Hold) with 64/100 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.
🤖 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 2026-11-02, Cass Information Systems Inc (NASDAQ: CASS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $52.74 (-1.81% 1D, market cap $687.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, CASS ranks #263 in composite RQD confidence.
🤖 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 (64/100 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 (65/100 RQD, P/E 11.6x, ROIC 12.9%, cap $647.2M) and PHR (Phreesia Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC -2.0%, cap $777.7M). Among the 5-stock peer group, PRTH leads on earnings multiple (11.6x) while MAX leads on capital efficiency (19.7% ROIC).
🤖 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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)
SEC XBRL FY 2025 (10-K): 29.4% FCF Margin ($31.8M FCF) & 52% Gross Margin
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
⚔️ Adversarial Opposing Case: Why the CASS Bull Thesis Could Fail
Even with a 64/100 (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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($54.86) or 200D SMA ($49.95) invalidates the momentum regime and cuts Target Base ($54.16) toward Bear Floor ($42.24).
Why CASS Stock slipped -1.81% Today — RQD Quant Desk Flash
Cass Information Systems Inc (CASS) slipped -1.81% to $52.74, trading at 68% of its 52-week range ($38.43 – $59.63). Solid steady margins (15% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 68% of its 52-week range ($38.43 – $59.63) with RSI-14 at 46 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.8% around $52.74 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $31.8M annual free cash flow.
Seeking Alpha report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
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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
CASS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -1.8% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on CASS today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for CASS. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CASS)
1. Head-to-Head Consumer Discretionary Peer Comparison (CASS vs. PRTH, PHR, MAX, QNST)
Industry: Business Services (90 Tracked Issuers)Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Cass Information Systems Inc (CASS) ranks #263 by composite RQD confidence (64/100, grade C) and #556 by equity capitalization ($687.8M). Within this direct 5-issuer industry benchmark cohort, PRTH leads on earnings valuation at 11.6x trailing P/E, while MAX leads on capital efficiency and profitability with 19.7% ROIC and 15.0% gross margin. QNST currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CASS at 64/100 (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 | 64/100 | 19.6x | — | 14.5% | -1.81% | $687.8M | Benchmark Subject |
| PRTH Priority Technology Holdings Inc. | C | 65/100 | 11.6x | — | 12.9% | -0.13% | $647.2M | /prth-vs-cass → |
| PHR Phreesia Inc. | D+ | 56/100 | — | — | -2.0% | -0.72% | $777.7M | /phr-vs-cass → |
| MAX MediaAlpha Inc. (Class A) | C+ | 69/100 | 32.6x | 15.0% | 19.7% | +4.39% | $836.4M | /max-vs-cass → |
| QNST QuinStreet Inc. | B- | 70/100 | — | 10.1% | 2.6% | +1.52% | $980.8M | /qnst-vs-cass → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000708781In 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 ENABLEDIs CASS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, Cass Information Systems Inc (NASDAQ: CASS) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $52.74 (-1.81% 1D, market cap $687.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, CASS ranks #263 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 (64/100 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 (65/100 RQD, P/E 11.6x, ROIC 12.9%, cap $647.2M) and PHR (Phreesia Inc.) posts a D+ grade (56/100 RQD, P/E N/A, ROIC -2.0%, cap $777.7M). Among the 5-stock peer group, PRTH leads on earnings multiple (11.6x) while MAX leads on capital efficiency (19.7% 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 $52.74 (-1.81% on volume of 93,215 shares), positioning the stock -3.86% below its 50-day simple moving average ($54.86) and +5.59% above its 200-day simple moving average ($49.95). Across its 52-week range of $38.43 to $59.63, CASS sits at the 67.5% percentile with a 14-day RSI of 46.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.8% ($50.21 to $55.27).
CASS Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is CASS stock moving today?
Why CASS Stock slipped -1.81% Today — RQD Quant Desk Flash. Solid steady margins (15% return on capital), mixed timing at 20x P/E—hold if owned, no rush to chase.
CASS — Cass Information Systems Inc: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
Per the Roarable RQD rating, CASS holds an RQD Score of 64 and a letter grade of C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are: Fundamental Cash Engine at 13/20 (ROIC 14.5%; FCF yield 4.62%), Whale 13F Flow at 10/20 (institutional accumulation and options positioning), Insider Conviction at 15/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit at 13/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet at 13/20 (Altman Z 2.5; Piotroski F 5/9; Debt/Equity 0.5).
Read together, the pillars point to a balanced profile rather than a clear directional signal. The strongest pillar is Insider Conviction, which is the only pillar at or above three-quarters of its maximum; the weakest is Whale 13F Flow, where institutional positioning scores lowest. The cash-generation and forensic pillars sit at the midpoint, indicating a sound but not exceptional financial base. Per the Roarable RQD rating, the verdict translates to fair risk-reward: upside drivers include the insider-flow signal and the 14.5% ROIC, while valuation tradeoffs are reflected in a trailing P/E of 19.6 and a forward P/E of 18.2 against a 4.62% FCF yield. The 1.0 beta implies market-level sensitivity to broad moves. For a prospective investor, the score suggests evaluating the stock against its institutional-flow weakness and modest cash yield rather than treating it as a high-conviction opportunity.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $108.0M | $0.0M | $35.1M | N/A | $31.8M | N/A | N/A |
| FY 2024 | $109.9M | $0.0M | $19.2M | N/A | $30.4M | N/A | N/A |
| FY 2023 | $106.1M | $0.0M | $30.1M | N/A | $36.9M | N/A | N/A |
Per the SEC financials, revenue was $108.0M in FY 2025, $109.9M in FY 2024, and $106.1M in FY 2023, with net income of $35.1M, $19.2M, and $30.1M respectively. Reported operating income is $0.0M across all three periods, and gross and operating margins in market data are listed as 0%, so margin conclusions cannot be drawn from those fields; the net margin is 32.5%. Per the Roarable RQD rating and market data, ROIC is 14.5%. The forensic pillar records an Altman Z-Score of 2.5, a Piotroski F-Score of 5/9, and a Debt/Equity ratio of 0.5. Cash and debt balances are not available in source data.
Recent Catalysts & News Wire Analysis
- Earnings strength (YELLOW, MARKET WIRE): A Yahoo Finance item reports the stock repricing after Q3 earnings strength.
- Q3 beat and dividend (GREEN, CATALYST): A Seeking Alpha item references a Q3 2026 earnings beat and a higher dividend.
- Analyst downgrade (RED, RISK WATCH): A marketscreener.com item and an Investing.com item both report a Raymond James downgrade tied to valuation, with shares falling after the downgrade.
- Estimates beat (YELLOW, MARKET WIRE): A Yahoo Finance item reports Q3 earnings and revenue estimates surpassed.
- Estimates coverage (YELLOW, MARKET WIRE): A TradingView item covers CASS estimates.
The news set is mixed: two positive earnings-related items, neutral coverage, and a valuation-based downgrade flagged as risk watch. The butterfly supply-chain graph reports no supply-chain links and no proprietary signals.
Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals. Upstream and downstream dependencies are therefore not available in source data. Sector correlations beyond the Consumer Discretionary / Business Services classification are not available in source data. Second-order bottlenecks cannot be identified from the provided material.
Analyst View & Smart Money Ownership
Analyst data is recorded as NONE, so consensus rating and price targets are not available in source data. Holder data is recorded as NONE, so SEC Form 4 insider, 13F institutional, and Congressional trade details are not available in source data. The RQD pillar scores reference insider cluster flow and institutional accumulation, but the underlying transactions are not itemized in the source data.
Open Questions
- What are the company's cash and debt balances, given that these fields are N/A across all reported periods?
- Why is operating income reported as $0.0M while net income is substantial, and what drives the gap?
- What is the basis and magnitude of the Raymond James downgrade, and does the valuation concern it cites align with the 18.2 forward P/E?
- Which specific insider and institutional transactions underlie the Insider Conviction and Whale 13F Flow pillar scores?
- What products, customers, and revenue sources drive the reported revenue, given the Business Services classification alone?
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
Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
marketscreener.com report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Investing.com report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Cass Information Systems Inc (CASS) market action, institutional positioning, and fundamental catalysts.
CASS Bull vs. Bear Conversation Board — What's Your Call at $52.74?
🔥 Official Bull vs. Bear Debate: Is CASS (C • RQD 64/100) a Buy at $53.71?
Welcome to the CASS (Cass Information Systems Inc) Roar Pit. Current RQD Composite is 64/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Business Services. Bulls point to capital efficiency (14.5% ROIC), while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on CASS — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on CASS, but look at what you are paying: 19.6x trailing P/E with tightening sector spreads. Unless Cass Information Systems Inc expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
CASS cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on CASS, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $53.71 (52-wk range $38.43 - $59.63), any beat on forward guidance forces shorts and underweight funds to chase.