MARKET WIRECNBC • 2h ago
Here are 3 big things we're watching in the stock market in the week aheadThe market could use a few victories in the days ahead, which will be filled with more earnings, an election, and jobs data.
Why CASS Stock slipped -0.30% Today — RQD Quant Desk Flash
$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.
ROARABLE C+ • HOLD / WATCH
Cap $687.8M
INTERACTIVE SCENARIO DECK:
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
58
Q2 (-2Q)Grade C$54.68+0.3% Next Q
61
Q3 (-1Q)Grade C+$54.83-2% Next Q
63
CurrentGrade C+$53.71+1.4% Hist 90D α
66
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CASS Stock slipped -0.30% Today — RQD Quant Desk Flash
Cass Information Systems Inc (CASS) slipped -0.30% to $53.71, trading at 72% of its 52-week range ($38.61 – $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 72% of its 52-week range ($38.61 – $59.63) with RSI-14 at 39.5 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.9% around $53.71 (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.
Live CASS Headlines & Catalysts
MARKET WIRECNBC • 3h ago
Democratic Rep. Stevens endorses Rogers over El-Sayed in Michigan Senate electionHaley Stevens had lost the Democratic nomination for Senate in Michigan to Abdul El-Sayed earlier this year.
RISK WATCHReuters • 4h ago
Israeli strikes kill eight people in Gaza - medics say - ReutersIsraeli strikes kill eight people in Gaza - medics say Reuters
MARKET WIREReuters • 5h ago
Russia's FSB says minor detained over park attack threat after US tip-off - ReutersRussia's FSB says minor detained over park attack threat after US tip-off Reuters
MARKET WIREReuters • 6h ago
Iran, Qatari mediators hold third day of talks to end US-Iran war - ReutersIran, Qatari mediators hold third day of talks to end US-Iran war Reuters
CATALYSTReuters • 7h ago
Qatar surges, bucking Gulf market slide on Iran war concerns - ReutersQatar surges, bucking Gulf market slide on Iran war concerns Reuters
MARKET WIREReuters • 7h ago
OPEC+ keeps December oil output targets steady ahead of tougher call for 2027 - ReutersOPEC+ keeps December oil output targets steady ahead of tougher call for 2027 Reuters
MARKET WIREReuters • 7h ago
German ministers pledge tough action after rioters damage stores in Frankfurt - ReutersGerman ministers pledge tough action after rioters damage stores in Frankfurt Reuters
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
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
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
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 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 2026-11-01, 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 × FREDWhy is CASS stock moving today?
Why CASS Stock slipped -0.30% 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.