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Stock Ratings / Financials / PSTL / financials
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Postal Realty Trust Inc. (Class A) (PSTL) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$21.59 -0.37% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.53

Postal Realty Trust Inc. (Class A) (PSTL) carries a Roarable Rating of C (Hold) with 62/100 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 $655.5M
📤 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 PSTL Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PSTL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, 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 62/100 at a spot price of $21.59 (-0.37% 1D, market cap $655.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, PSTL ranks #341 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PSTL compare to MFA and CLDT in the Financials sector?
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Within the Financials sector (Real Estate Investment Trusts), PSTL carries a Roarable C (62/100 RQD), trailing P/E of 46.4x, gross margin of —, and ROIC of 9.6%. By comparison, MFA (MFA Financial Inc.) holds a D grade (46/100 RQD, P/E 3.9x, ROIC 9.7%, cap $685.4M) and CLDT (Chatham Lodging Trust of) posts a C- grade (61/100 RQD, P/E 46.3x, ROIC 4.5%, cap $698.9M). Among the 5-stock peer group, MFA leads on earnings multiple (3.9x) while MFA leads on capital efficiency (9.7% 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 PSTL?
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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.

✓ 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: $21.53 (-0.26%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 46.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
2-of-3 Quant Analysts 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 RQD RADARRw C- · Rk C
Cash (15)Whales (7)SEC (15)Macro (11)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$26 Bull$22 Base$17 Bear
📬 FREE PSTL RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PSTL)Realized 20D OHLCV Swing Band: ±5%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY PSTL SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+15/20 pts (24% 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 (24% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning7/20 pts (-13 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-13 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
70
Grade B$22.03-3% Next Q
Q2 (-2Q)
67
Grade B-$21.36-0.3% Next Q
Q3 (-1Q)
65
Grade C+$21.29+1.4% Next Q
Current
62
Grade C$21.59+0.7% Hist 90D α
Trajectory: B (70) → C (62)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 62/100 (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 ($22.79) or 200D SMA ($21.86) invalidates the momentum regime and cuts Target Base ($21.98) toward Bear Floor ($17.14).

🎲 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 62%NO 38%Trade / Inspect Odds →
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How PSTL Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$44.5M (46.4% FCF Margin)
Revenue$95.8MGross Profit $49.8M (52%)Cost of Sales $46.0MOp Profit $34.3M (35.8%)OpEx (R&D/SG&A) $15.5MNet Profit$14.1M (14.8%)Tax/Other $20.2M

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow
FY23
Rev $63.7M
FY24
Rev $76.4M
FY25
Rev $95.8M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$95.8M52%35.8%$14.1M$44.5M9.6%
FY 2024$76.4M52%27.7%$6.6M$33.5M6.7%
FY 2023$63.7M52%22%$3.7M$28.4M9.6%
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PSTL)

  • ✓Walkthrough of PSTL's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PSTL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -3.66%▼ DESCENDING CHANNEL
2026-11-04O $21.58H $21.67L $21.58C $21.59VOL 268.3K
RES: $24.22SUP: $20.91SMA50: $22.79SMA200: $21.86
$25.80$23.40$21.00$18.60$16.19RES $24.22SUP $20.91$21.592026-05-052026-06-182026-08-052026-09-212026-11-04
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

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

Reverse-DCF Expectations Hurdle
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

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 #341 of 1097 ⚔️ MFA vs PSTL Full Matrix →

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

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Postal Realty Trust Inc. (Class A) (PSTL) ranks #341 by composite RQD confidence (62/100, grade C) and #645 by equity capitalization ($655.5M). 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 62/100 (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 62/100 46.4x — 9.6% -0.37% $655.5M Benchmark Subject
MFA
MFA Financial Inc.
D 46/100 3.9x — 9.7% -2.06% $685.4M /mfa-vs-pstl →
CLDT
Chatham Lodging Trust of
C- 61/100 46.3x — 4.5% +0.07% $698.9M /cldt-vs-pstl →
PMT
PennyMac Mortgage Investment Trust of
D- 35/100 7.5x — 4.6% -1.74% $700.2M /pmt-vs-pstl →
CIM
Chimera Investment Corporation
E 30/100 — — 9.0% -1.78% $706.5M /cim-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 2026-11-03, 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 62/100 at a spot price of $21.59 (-0.37% 1D, market cap $655.5M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 7/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 11/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, PSTL ranks #341 in composite RQD confidence.

How does PSTL compare to MFA and CLDT in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), PSTL carries a Roarable C (62/100 RQD), trailing P/E of 46.4x, gross margin of —, and ROIC of 9.6%. By comparison, MFA (MFA Financial Inc.) holds a D grade (46/100 RQD, P/E 3.9x, ROIC 9.7%, cap $685.4M) and CLDT (Chatham Lodging Trust of) posts a C- grade (61/100 RQD, P/E 46.3x, ROIC 4.5%, cap $698.9M). 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 $21.59 (-0.37% on volume of 454,657 shares), positioning the stock -5.27% below its 50-day simple moving average ($22.79) and -1.24% below its 200-day simple moving average ($21.86). Across its 52-week range of $14.42 to $25.22, PSTL sits at the 66.4% percentile with a 14-day RSI of 43.8 (NEUTRAL RANGE) and an implied next-earnings move of ±5.0% ($20.51 to $22.67).

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
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

PSTL — Postal Realty Trust Inc. (Class A): What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Postal Realty Trust Inc. (Class A) (PSTL) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $21.59 (-0.37% 1D, market capitalization $655.5M).

  • Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 9.6%, gross margin of —, operating margin of 35.8%, and free cash flow yield of 6.78%.
  • Whale 13F & Options Flow (7/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (11/20) + Forensic Balance Sheet (15/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Postal Realty Trust Inc. (Class A) is a NYSE-listed issuer classified under the Financials sector and the Real Estate Investment Trusts industry..7B. Per the recent news wire, the company is associated with post office property transactions, including a Brooklyn post office sale reported at $11M.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Postal Realty Trust Inc. (Class A) (PSTL) reported $95.8M in annual revenue (up from $76.4M in FY2024, +25.5% YoY) and $14.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($63.7M revenue, $3.7M net income) through FY2025, PSTL scaled operating cash flow to $44.5M and free cash flow to $44.5M, backed by $759.1M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): 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. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 7/20, sustained execution supports upside toward the upper end of the $14.42 – $25.22 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Priced at 46x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 46.4x trailing P/E and 19.1x EV/EBITDA against 35.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

A prospective investor should note that the absence of mapped links means this analysis cannot identify specific ripple pathways from the source material alone.

  • Key Question #1: Can PSTL sustain or expand its 35.8% operating margin and 9.6% ROIC against Real Estate Investment Trusts peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $95.8M and free cash flow of $44.5M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PSTL's 39.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PSTL Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Postal Realty Trust Inc. (Class A) (PSTL) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PSTL Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PSTL Bull vs. Bear Conversation Board — What's Your Call at $21.59?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PSTL 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PSTL:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $26.11 (+21.0%)
📌 Pinned Debate

Revenue rose from $63.7M in FY 2023 to $95.8M in FY 2025 while operating margin reached 35.8%, supported by a 6.78% FCF yield.

Revenue rose from $63.7M in FY 2023 to $95.8M in FY 2025 while operating margin reached 35.8%, supported by a 6.78% FCF yield.. When you look under the hood at PSTL, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 9.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (7/20) has been quietly accumulating below $25.22. My 12M target is $26.11.

ArenaChamp_24 🐂 BULL

@SkepticalCFA Fair point on 46.4x trailing P/E, but you're ignoring the forward operating leverage in Real Estate Investment Trusts. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $18.56 (-14.0%)
Spot @ $21.58

Trailing P/E of 46.4 and EV/EBITDA of 19.1 price in high expectations against a cautious RQD score of 61 with weak institutional flow.

Fading this rally in PSTL at $21.58. Trailing P/E of 46.4 and EV/EBITDA of 19.1 price in high expectations against a cautious RQD score of 61 with weak institutional flow.. With a beta of 1.0 and the stock sitting at $21.58 (52-wk range $14.42–$25.22), the easy multiple expansion is already priced in.

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