Stock Ratings / Consumer Discretionary / CASS / dividends

PRTH (56) PHR (57) MAX (70) QNST (73) ⌘ Pro Terminal →

Cass Information Systems Inc (CASS) Dividend Safety Gauge & 10-Year DRIP Compounder

$53.71 -0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $53.58

Cass Information Systems Inc (CASS) carries a Roarable Rating of C+ (Hold) with 66/100 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.

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY) →

ROARABLE C+ • HOLD / WATCH Cap $687.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $53.58 (-0.24%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 29.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY • 56.0% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C+

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 B

Each axis scored 0–20

12M PRICE TARGET CONE+3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CASS)Realized 20D OHLCV Swing Band: ±4.9%

Deterministic 5-Pillar Attribution (66/100 Composite)

🔍 WHY CASS SCORES 66/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (24% of score)

FRED Regime × Technicals: 72% of 52W Range • RSI-14 at 39.5 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$53.40+2.4% Next Q

Q2 (-2Q)

Grade C$54.68+0.3% Next Q

Q3 (-1Q)

Grade C+$54.83-2% Next Q

Current

Grade C+$53.71+1.4% Hist 90D α

Trajectory: C (58) → C+ (66)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 66/100 (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 ($54.91) or 200D SMA ($49.89) invalidates the momentum regime and cuts Target Base ($55.64) toward Bear Floor ($43.40).

🎲 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 66%NO 34%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

4.2% Total Yield

2.4% Cash ($1.29/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

88/100 • FORTRESS PAYOUT

FREE CASH FLOW PAYOUT RATIO

33.8% of FCF

8 consecutive years of payout growth

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (7.7% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $20,997

Est. Year-10 Shareholder Yield: $882/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.8K

Yr 1

$11.6K

Yr 2

$12.5K

Yr 3

$13.5K

Yr 4

$14.5K

Yr 5

$15.6K

Yr 6

$16.8K

Yr 7

$18.1K

Yr 8

$19.5K

Yr 9

$21.0K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CASS & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on CASS and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CASS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +13.58%🛡️ HOLDING TREND SUPPORT

2026-10-30O $54.15H $54.15L $52.41C $53.71VOL 93.2K

RES: $57.51SUP: $53.34SMA50: $54.91SMA200: $49.89

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #266 of 1011 ⚔️ PRTH vs CASS Full Matrix →

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 #266 by composite RQD confidence (66/100, 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 73/100 (B) compared with CASS at 66/100 (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+	66/100	19.6x	—	14.5%	-0.30%	$687.8M	Benchmark Subject
PRTH Priority Technology Holdings Inc.	D+	56/100	11.6x	—	12.9%	0.00%	$647.2M	/prth-vs-cass →
PHR Phreesia Inc.	D+	57/100	—	—	-2.0%	+1.29%	$777.7M	/phr-vs-cass →
MAX MediaAlpha Inc. (Class A)	B-	70/100	32.6x	15.0%	19.7%	+20.56%	$836.4M	/max-vs-cass →
QNST QuinStreet Inc.	B	73/100	—	10.1%	2.6%	+4.83%	$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 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 2026-11-01, Cass Information Systems Inc (NASDAQ: CASS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $53.71 (-0.30% 1D, market cap $687.8M). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, CASS ranks #266 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+ (66/100 RQD), trailing P/E of 19.6x, gross margin of —, and ROIC of 14.5%. By comparison, PRTH (Priority Technology Holdings Inc.) holds a D+ grade (56/100 RQD, P/E 11.6x, ROIC 12.9%, cap $647.2M) and PHR (Phreesia Inc.) posts a D+ grade (57/100 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 $53.71 (-0.30% on volume of 65,122 shares), positioning the stock -2.19% below its 50-day simple moving average ($54.91) and +7.66% above its 200-day simple moving average ($49.89). Across its 52-week range of $38.61 to $59.63, CASS sits at the 71.8% percentile with a 14-day RSI of 39.5 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($51.08 to $56.34).

CASS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CASS pay a dividend and is it safe?

Cass Information Systems Inc (CASS) offers a 2.4% cash dividend yield ($1.29 annualized) and 4.2% total shareholder yield including buybacks. Roarable rates its payout coverage as FORTRESS PAYOUT.

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