Stock Ratings / Consumer Discretionary / CASS / earnings

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

Cass Information Systems Inc (CASS) Next Earnings Date & Expected ±4.9% Move

$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

⚡ 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 2026-11-01, 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.

✓ 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+ (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).

✓ 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: $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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.9% Swing Band

±$2.63 Expected Swing

MODEL EARNINGS SETUP GAUGE

CASS Quantitative Pre-Earnings Setup: 66/100

Trailing EPS: $2.74 • YoY Revenue Growth: -1.8%

Model Bullish Setup (66/100)Model Risk Weight (34/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$108.0M	$35.1M	$31.8M	52%
FY 2024	2024-12-31	$109.9M	$19.2M	$30.4M	52%
FY 2023	2023-12-31	$106.1M	$30.1M	$36.9M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CASS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CASS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

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

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

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

When is CASS's next earnings date?

Based on SEC filing cadence, Cass Information Systems Inc (CASS)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CASS stock expected to move on earnings?

Volatility modeling currently projects a ±4.9% event move for CASS, spanning a range between $51.08 and $56.34.

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