ADAM (57) PMT (42) MFA (62) CLDT (62) ⌘ Pro Terminal →

Postal Realty Trust Inc. (Class A) (PSTL) — RQD Stock Rating Cockpit

$21.70 +1.93% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.73

Postal Realty Trust Inc. (Class A) (PSTL) carries a Roarable Rating of C (Hold) with 65/100 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 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $656.4M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $21.73 (+0.16%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 46.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

2-of-3 JEV AI Jury Bullish

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+3.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PSTL)Realized 20D OHLCV Swing Band: ±5.3%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY PSTL SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 46.4% FCF Margin ($44.5M FCF) & 52% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade B$22.76-3.4% Next Q

Q2 (-2Q)

Grade B$21.99-0.4% Next Q

Q3 (-1Q)

Grade B-$21.91-1% Next Q

Current

Grade C$21.70+1.3% Hist 90D α

Trajectory: B (73) → C (65)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 PSTL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, PSTL faces multiple-compression risk if 46.4x 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

Priced at 46x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% 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 ($22.88) or 200D SMA ($21.79) invalidates the momentum regime and cuts Target Base ($22.38) toward Bear Floor ($17.46).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PSTL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PSTL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

4230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE67% OF RANGE

L: $14$21.70H: $25

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: D+RQD 22 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on PSTL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

9.6% ROIC with 42.0% gross margin and 6.78% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (75)

Altman-Z 4.20 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (58)

22/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like PSTL

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Priced at 46x earnings—high expectations leave less room for a lukewarm quarter.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PSTL 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?

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

PSTL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -0.82%▼ DESCENDING CHANNEL

2026-10-30O $21.85H $21.89L $21.46C $21.70VOL 216.4K

RES: $24.26SUP: $20.96SMA50: $22.88SMA200: $21.79

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PSTL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PSTL Butterfly Map → + Track PSTL →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

34.3%/yr Implied 5Y Growth

vs. +25.5% 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 PSTL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PSTL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PSTL 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 (PSTL)

Financials Rank #325 of 1096 ⚔️ ADAM vs PSTL Full Matrix →

1. Head-to-Head Financials Peer Comparison (PSTL vs. ADAM, PMT, MFA, CLDT)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Postal Realty Trust Inc. (Class A) (PSTL) ranks #325 by composite RQD confidence (65/100, grade C) and #647 by equity capitalization ($656.4M). Within this direct 5-issuer industry benchmark cohort, MFA leads on earnings valuation at 3.9x trailing P/E, while MFA leads on capital efficiency and profitability with 9.7% ROIC and — gross margin. PSTL currently leads its immediate peer cohort in composite quantitative strength at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PSTL ACTIVE Postal Realty Trust Inc. (Class A)	C	65/100	46.4x	—	9.6%	+1.93%	$656.4M	Benchmark Subject
ADAM Adamas Trust Inc.	D+	57/100	4.4x	—	8.9%	-7.71%	$648.4M	/adam-vs-pstl →
PMT PennyMac Mortgage Investment Trust of	D-	42/100	7.5x	—	4.6%	+1.51%	$643.6M	/pmt-vs-pstl →
MFA MFA Financial Inc.	C	62/100	3.9x	—	9.7%	+0.15%	$687.4M	/mfa-vs-pstl →
CLDT Chatham Lodging Trust of	C	62/100	46.3x	—	4.5%	+0.60%	$697.6M	/cldt-vs-pstl →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001759774

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Postal Realty Trust Inc. (Class A) (PSTL) reported GAAP revenue of $95.8M (+25.5% vs. FY2024 revenue of $76.4M , and +50.4% cumulative change since FY2023) , GAAP net income of $14.1M, operating cash flow of $44.5M, and free cash flow of $44.5M (+32.8% YoY). On the balance sheet, PSTL closed FY2025 with $759.1M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$95.8M	$14.1M	$44.5M	$44.5M	$759.1M	—
FY2024 (FY)	2024-12-31	$76.4M	$6.6M	$33.5M	$33.5M	$646.8M	—
FY2023 (FY)	2023-12-31	$63.7M	$3.7M	$28.4M	$28.4M	—	—

3. PSTL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PSTL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Postal Realty Trust Inc. (Class A) (NYSE: PSTL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $21.70 (+1.93% 1D, market cap $656.4M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, PSTL ranks #325 in composite RQD confidence.

How does PSTL compare to ADAM and PMT in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), PSTL carries a Roarable C (65/100 RQD), trailing P/E of 46.4x, gross margin of —, and ROIC of 9.6%. By comparison, ADAM (Adamas Trust Inc.) holds a D+ grade (57/100 RQD, P/E 4.4x, ROIC 8.9%, cap $648.4M) and PMT (PennyMac Mortgage Investment Trust of) posts a D- grade (42/100 RQD, P/E 7.5x, ROIC 4.6%, cap $643.6M). Among the 5-stock peer group, MFA leads on earnings multiple (3.9x) while MFA leads on capital efficiency (9.7% ROIC).

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

Per PSTL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001759774), Postal Realty Trust Inc. (Class A) generated $95.8M in revenue (+25.5% YoY), $14.1M in net income, and $44.5M in free cash flow against $759.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 46x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PSTL trading relative to its 50-day, 200-day, and 52-week technical levels?

PSTL last traded at $21.70 (+1.93% on volume of 261,936 shares), positioning the stock -5.16% below its 50-day simple moving average ($22.88) and -0.41% below its 200-day simple moving average ($21.79). Across its 52-week range of $14.42 to $25.22, PSTL sits at the 67.4% percentile with a 14-day RSI of 42.0 (NEUTRAL RANGE) and an implied next-earnings move of ±5.3% ($20.55 to $22.85).

PSTL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PSTL stock right now?

Postal Realty Trust Inc. (Class A) (PSTL) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (10% return on capital), mixed timing at 46x P/E—hold if owned, no rush to chase.

What is PSTL's 12-month price target and RQD AI Jury consensus?

PSTL's 12-month base price target is $22.38 (range $17.46 to $26.48), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PSTL RQD Cockpit PSTL 12M Forecast PSTL Earnings & Move PSTL Dividends & DRIP PSTL Insiders & 13F PSTL Whale Options PSTL Profit Sankey PSTL News & Why