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Stock Ratings / Financials / SWRD / dividends
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Stewards Inc (SWRD) Dividend Safety Gauge & 10-Year DRIP Compounder

$3.07 +3.02% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $3.08

Stewards Inc (SWRD) carries a Roarable Rating of D+ (Sell) with 54/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D+ • SELL / AVOID Cap $672.4M
📤 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 SWRD Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is SWRD stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Stewards Inc (NASDAQ: SWRD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $3.07 (+3.02% 1D, market cap $672.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, SWRD ranks #555 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does SWRD compare to PRAA and IQI in the Financials sector?
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Within the Financials sector (Finance Companies), SWRD carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PRAA (PRA Group Inc.) holds a D- grade (35/100 RQD, P/E N/A, ROIC -2.7%, cap $733.8M) and IQI (Invesco Quality Municipal Income Trust) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $480.2M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% 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 SWRD?
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Per SWRD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795851), Stewards Inc generated $74.9M in revenue, $0 in net income, and $0 in free cash flow against $178.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. 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: $3.08 (+0.35%)🧬 Disciplined Float (-0.40% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 25.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 54/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.7% avg 90D alpha vs SPY • 51.0% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERSELL / AVOID • D+
025507510054
Quant Analyst Panel 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 RQD RADARRw D+ · Rk D+
Cash (10)Whales (12)SEC (13)Macro (10)CEO (9)
Each axis scored 0–20
12M PRICE TARGET CONE-2% Base Target
$6 Bull$3 Base$2 Bear
📬 FREE SWRD RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SWRD)Realized 20D OHLCV Swing Band: ±12.5%
Deterministic 5-Pillar Attribution (54/100 Composite)
🔍 WHY SWRD SCORES 54/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% of score)

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

▲ #2 Bullish Driver: Whale & Options Positioning+12/20 pts (22% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution9/20 pts (-11 pt drag)

Disciplined Float (-0.40% YoY Shares) & executive Form 4 sales trim 11 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
46
Grade D$2.50-6% Next Q
Q2 (-2Q)
49
Grade D$2.35+23.8% Next Q
Q3 (-1Q)
51
Grade C-$2.91+5.5% Next Q
Current
54
Grade D+$3.07-0.7% Hist 90D α
Trajectory: D (46) → D+ (54)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a SWRD Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While SWRD currently carries a cautious 54/100 (D+) rating due to Insider Conviction & Share Dilution (9/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($2.55) and Max Pain ($3.22) forces dealer call-delta covering toward $5.78.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SWRD• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “SWRD Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 54%NO 46%Trade / Inspect Odds →
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 • REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
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 SWRD)

  • ✓Walkthrough of SWRD'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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SWRD // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +37.67%▲ ASCENDING CHANNEL
2026-11-03O $3.08H $3.08L $2.98C $3.07VOL 128.1K
RES: $3.78SUP: $2.52SMA50: $2.55SMA200: $2.55
$5.78$4.61$3.44$2.27$1.10RES $3.78SUP $2.52$3.072026-09-102026-09-232026-10-072026-10-202026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 SWRD Butterfly Map → + Track SWRD →
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +6.0% 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 SWRD today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for SWRD 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 (SWRD)

Financials Rank #555 of 1097 ⚔️ PRAA vs SWRD Full Matrix →

1. Head-to-Head Financials Peer Comparison (SWRD vs. PRAA, IQI, HQH, PLBC)

Industry: Finance Companies (27 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Stewards Inc (SWRD) ranks #555 by composite RQD confidence (54/100, grade D+) and #634 by equity capitalization ($672.4M). Within this direct 5-issuer industry benchmark cohort, PLBC leads on earnings valuation at 15.0x trailing P/E, while PLBC leads on capital efficiency and profitability with 11.3% ROIC and — gross margin. PLBC currently holds the highest overall quantitative score in the immediate peer group at 62/100 (C) compared with SWRD at 54/100 (D+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
SWRD ACTIVE
Stewards Inc
D+ 54/100 — — — +3.02% $672.4M Benchmark Subject
PRAA
PRA Group Inc.
D- 35/100 — — -2.7% +1.28% $733.8M /praa-vs-swrd →
IQI
Invesco Quality Municipal Income Trust
D 45/100 — — — -0.11% $480.2M /iqi-vs-swrd →
HQH
abrdn Healthcare Investors
D+ 54/100 — — — -1.87% $1.01B /hqh-vs-swrd →
PLBC
Plumas Bancorp
C 62/100 15.0x — 11.3% +2.19% $438.8M /plbc-vs-swrd →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001795851 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Stewards Inc (SWRD) reported GAAP revenue of $74.9M , GAAP net income of $0, operating cash flow of $0, and free cash flow of $0 . On the balance sheet, SWRD closed FY2025 with $178.4M in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: N/A).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $74.9M $0 — — $178.4M —

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, Stewards Inc (NASDAQ: SWRD) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 54/100 at a spot price of $3.07 (+3.02% 1D, market cap $672.4M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 9/20. Across 1097 tracked Financials issuers, SWRD ranks #555 in composite RQD confidence.

How does SWRD compare to PRAA and IQI in the Financials sector?

Within the Financials sector (Finance Companies), SWRD carries a Roarable D+ (54/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of —. By comparison, PRAA (PRA Group Inc.) holds a D- grade (35/100 RQD, P/E N/A, ROIC -2.7%, cap $733.8M) and IQI (Invesco Quality Municipal Income Trust) posts a D grade (45/100 RQD, P/E N/A, ROIC —, cap $480.2M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% ROIC).

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

Per SWRD's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795851), Stewards Inc generated $74.9M in revenue, $0 in net income, and $0 in free cash flow against $178.4M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

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

SWRD last traded at $3.07 (+3.02% on volume of 93,319 shares), positioning the stock +20.39% above its 50-day simple moving average ($2.55) and +20.39% above its 200-day simple moving average ($2.55). Across its 52-week range of $1.46 to $5.50, SWRD sits at the 39.9% percentile with a 14-day RSI of 56.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±12.5% ($2.69 to $3.45).

Direct Sub-Reports: SWRD RQD Cockpit SWRD 12M Forecast SWRD Earnings & Move SWRD Dividends & DRIP SWRD Insiders & 13F SWRD Whale Options SWRD Profit Sankey SWRD News & Why
ROARABLE RATING BRIEF • RQD 54/100 (D+) ✓ SEC XBRL & RQD VERIFIED

SWRD — Stewards Inc: 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

Stewards Inc (SWRD) earns a live Roarable RQD composite score of 54/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $3.07 (+3.02% 1D, market capitalization $672.4M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of —, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (9/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of N/A, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Stewards Inc (SWRD) is a NASDAQ-listed company classified under the Financials sector and the Finance Companies industry..7B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Stewards Inc (SWRD) reported $74.9M in annual revenue and $0 in GAAP net income. Operating cash flow reached $0 and free cash flow totaled $0, backed by $178.4M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (D+ • RQD 54/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of — and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $1.46 – $5.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against — operating margins and a 1.00x macro beta.

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

Upstream and downstream dependencies: — Sector correlations: — Second-order bottlenecks: — The only sector context available is the Financials / Finance Companies classification.

  • Key Question #1: Can SWRD sustain or expand its — operating margin and — ROIC against Finance Companies peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $74.9M and free cash flow of $0, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is SWRD's equity valuation to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

SWRD Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Stewards Inc (SWRD) • Click "Debate This Headline" to argue it in the Roar Pit below

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

SWRD Bull vs. Bear Conversation Board — What's Your Call at $3.07?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON SWRD 🐻 33% BEARISH CONVICTION
1. Pick Your Side on SWRD:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $3.84 (+28.9%)
📌 Pinned Debate

The balance-sheet pillar scores 13/20 with an Altman Z of 2.5, a Piotroski F of 6/9, and Debt/Equity of 0.5, and the stock trades at $3

The street is overcomplicating Stewards Inc (SWRD). The balance-sheet pillar scores 13/20 with an Altman Z of 2.5, a Piotroski F of 6/9, and Debt/Equity of 0.5, and the stock trades at $3.08 near a 52-week low of $1.46 with a 52-week high of $5.5 offering recovery room.. With an RQD score of 54/100 (D+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $3.22.

EarningsSniper 🐂 BULL

Both sides have a point here — SWRD's 13/20 balance sheet score keeps downside contained, so the real swing factor next earnings call is backlog and FCF conversion.

SK SkepticalCFA RQD DEBATE OPENER • Fundamental Contrarian 🐻 BEARISH 🎯 Target: $2.32 (-22.1%)
Spot @ $2.98

Cash generation is unproven, with ROIC at 0%, FCF yield at 0%, all margins at 0%, and reported revenue at $0.0M, and the insider convic

I respect the product at Stewards Inc, but the stock at $2.98 is a different story. Cash generation is unproven, with ROIC at 0%, FCF yield at 0%, all margins at 0%, and reported revenue at $0.0M, and the insider conviction pillar scores only 9/20.. FCF yield is 0.0% and RQD sits at 54/100 (D+) — why pay up here when you can wait for next quarter's numbers?

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