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CASS

Cass Information Systems Inc
Chart
54.25 USD
Latest Week 2026-07-24
IndustrialsSpecialty Business ServicesSMALL
Snapshot 2026-07-26 · 0.6w · Fresh
0.9
OS Score
65.0%
Value
95.0%
Quality
76.0%
Momentum
7/9
F-Score
0.786
QV
StrategiesValueQualityMomentumCompositeInteractionsFactor AnalysisTrendsFundamentals
Strategy Eligibility
11 of 23 passing
★
OS Composite
OS 0.900
↗
Trending Value
✗
◆
Quality × Value
QV 0.786
🏛
Cornerstone Value
✗
🌿
Cornerstone Growth
✗
💎
Deep Value
✗
◇
VC2 Cheapest
✗
📐
EBITDA/EV
9.7%
◐
Veiled Value
✗
▣
Piotroski Bargains
F7
🔬
Quality Compounders
✗
📈
Consistent Earners
Yes
🌱
GARP
✗
🔄
Shareholder Yield
6.1%
💰
High Yield
✗
🚀
Momentum Leaders
12-1 27%
◉
Market Leaders
✗
◎
Tiny Titans
✗
🔍
Small Cap Value
Val 65%
🛡
Low Volatility
Vol 20%
🏷
Sector Cheapest
✗
🧠
Capital Allocators
CAQ 0.54
⚡
Risk-Adj Momentum
RAM 1.33
V
Value Analysis
Cheapness relative to fundamentals
65.0%ile
P/E
19.0×
P/S
3.4×
P/B
2.9×
E/P
0.0901
FCF Yield
0.078
EBITDA/EV
0.097
SH Yield
0.061
Relative Strength Across Value Dimensions
Multiples & Yields — Decomposition
VC1 (5-Factor)
75.00000000
/100 — 1=cheapest
VC2 (Trending Value)
68.00000000
/100
VC3 (Buyback)
70.00000000
/100
FCF yield of 7.8% is strong — the business generates significant free cash relative to price.
Q
Quality Analysis
Profitability, efficiency, balance sheet & earnings quality
95.0%ile
ROE
0.150
ROA
0.015
Net Margin
0.181
Op Margin
0.244
GPA
0.078
D/E
9.28
Current
3.41
F-Score
7/9
Quality Radar — Relative Strength
Profitability & Leverage Breakdown
Rev Growth
-0.017
Earn Growth
0.448
Stability
0.334
lower=better
Accruals
0.000
lower=better
5yr Consist
Yes
Highly leveraged with D/E of 9.28 — returns are being amplified by debt.
M
Momentum & Risk
Price trend, volatility regime, risk-adjusted returns
76.0%ile
6M Return
23.8%
12M Return
33.2%
12-1 Mom
26.6%
Risk-Adj
1.33
Vol 252d
20.1%
Vol 60d
42.2%
↑ Expanding
Max DD 12M
-14.2%
Return Comparison — 6M / 12M / 12-1
Volatility Regime — 60d vs 252d
12-1 momentum of 27% is very strong — a clear uptrend. Near-term vol (42%) is expanding vs long-term (20%) — risk is increasing.
OS
Composite & Factor Heatmap
All factors at a glance
0.9
Pillar Balance — Value / Quality / Momentum
Factor Heatmap — green=strong, red=weak
▦
Sector Context
Industrials · 500 peers
Sector Value %ile
67.5%
Sector Quality %ile
98.6%
P/E z-score
-0.31
P/B z-score
-0.05
Sector Avg OS
51.4%
Ticker vs Sector Averages
Relative Valuation Z-Score
Top Sector Peers (By OS)
SymbolNameOSValueQualityMomentum
ESEA Euroseas Ltd 99.0% 96.0% 96.0% 84.0%
DAC Danaos Corporation 98.0% 97.0% 83.0% 85.0%
GSL Global Ship Lease Inc 98.0% 97.0% 87.0% 86.0%
DLX Deluxe Corporation 98.0% 92.0% 86.0% 87.0%
CMRE Costamare Inc 98.0% 95.0% 84.0% 88.0%
SHIP Seanergy Maritime Holdings Corp 97.0% 93.0% 70.0% 95.0%
NMM Navios Maritime Partners LP Unit 97.0% 96.0% 72.0% 91.0%
CPA Copa Holdings SA 97.0% 94.0% 88.0% 79.0%
Factor Interactions
Strong Capital Return
Shareholder yield 6.1% backed by 7.8% FCF yield. Returns are well-funded.
Leveraged Returns
Strong ROE (15%) boosted by high leverage (D/E 9.3). Returns look good but come with balance sheet risk.
Volatility Expanding
60-day vol (42%) significantly exceeds 252-day (20%). Near-term risk is elevated.
⚖
Factor Analysis
Comprehensive factor intelligence — strengths, weaknesses & cross-factor profile
Value
B
67.7% avg (7 factors)
Quality
C
48.3% avg (8 factors)
Momentum
B
66.1% avg (4 factors)
Risk
A
83.2% avg (1 factors)
▲ Top Strengths — highest scoring factors
▼ Key Weaknesses — lowest scoring factors
Score Trends8 snapshots
Factor Persistence8 snapshots
FactorCurrentStreakTrendSpark
OS Composite0.900—1—
Value %ile0.650—0—
Quality %ile0.950—8—
Momentum %ile0.760—3—
F-Score7.000—8—
Confidence1.000—8—
Volatility0.201—0—
Value Lens2021-07-27 → 2026-07-26
P/E Ratio
Earnings Yield
Value FactorsCheapness relative to fundamentals — lower multiples = cheaper
P/E Ratio
19.02
Earnings Yield (E/P)
0.0901
Price / Sales
3.44
Price / Book
2.85
Price / Cash Flow
18.65
FCF Yield
7.8%
EBITDA / EV
9.7%
Sales Yield (1/P·S)
0.3694
Shareholder Yield
Div + net buyback / mktcap
6.1%
Quality FactorsProfitability, efficiency, and balance sheet strength
Return on Equity
15.0%
Return on Assets
1.5%
Net Margin
18.1%
Operating Margin
24.4%
Gross Profit / Assets
Novy-Marx GPA
7.8%
Debt / Equity
9.28
Current Ratio
3.41
Accruals Ratio
(NI-OCF)/Assets — lower=better
-0.000
MomentumPrice trend strength over different horizons
6M Return
23.8%
12M Return
33.2%
12-1 Momentum
Jegadeesh-Titman (skip recent month)
26.6%
Risk-Adjusted Momentum
Mom 12-1 ÷ Vol
1.33
Growth & StabilityEarnings trajectory, consistency, and capital allocation
Revenue Growth (YoY)
-1.7%
Earnings Growth (YoY)
44.8%
Earnings Stability (CV)
Lower = more stable
0.334
5yr Consistent
EPS up every year for 5 years
Yes
Piotroski F-Score
7
Dividend Yield
2.3%
Buyback Yield
3.7%
O'Shaughnessy CompositesValue Composites (WWOWS 4th Ed) — 1=cheapest, 100=most expensive
VC1 (5-factor)
P/E+P/S+P/B+P/CF+EBITDA/EV
75
VC2 (6-factor)
VC1 + Shareholder Yield — used for Trending Value
68
VC3 (6-factor)
VC1 + Buyback Yield — no dividend preference
70
Capital Allocation & AlphaAlpha within factors — quality of management decisions
Veiled Value
Expensive by P/B, cheap by everything else
No
Market Leader
Above-avg mcap+revenue, non-utility
No
All Stocks Universe
Market cap > $200M
Yes
Tiny Titan
Micro-cap, low P/S, positive momentum
No
Quarterly Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity
Annual Fundamentals
Revenue
Net Income
FCF
Net Margin
Show all
Op Income
OCF
CapEx
Equity