Price
No data yet.
Social Signal Score
Analyst Ratings
7 analystsRevenue
$15.22M+1237.61%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Anthony Robert Cappell
- Sector
- Real Estate
- Industry
- REIT - Mortgage
- Employees
- 0
- Beta
- 0.34
- Country
- US
- Piotroski score
- 5 / 9 (Middling)
- Altman Z-score
- 0.96
Financials
Revenue
$15.22M+1237.6%Net Income
$7.47M+599.4%EBITDA
$9.86M+140.9%Free Cash Flow
$9.06M+522.3%EPS (diluted)
$0.34+455.6%Shares Outstanding (diluted)
21.71M+24.4%Operating Expenses
$2.02MCash & Debt
$13.35MReturn of Capital
$10.91MDividend per Share
$0.47Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $63.10M | $36.01M | $1.71 |
| 2024 | $54.78M | $37.05M | $1.92 |
| 2023 | $57.33M | $38.71M | $2.14 |
| 2022 | $48.86M | $32.29M | $1.83 |
| 2021 | $14.47M | $12.66M | $0.54 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from REFI's reported EPS growth of 33.4% a year over 4 years. Historical EPS growth of 33% reflects a recovery from a low base and won't persist. Capped at 30% as a starting point.
- EPS in 5 years
- $6.37
- Implied price
- $44.56
- Return from $10.06
- 34.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $22.15 — today's price is already 54.6% below that.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| 20.0% | 4.9% | 16.2% | 24.3% | 30.7% | 36.1% |
| 25.0% | 9.3% | 21.1% | 29.5% | 36.2% | 41.7% |
| 30.0% | 13.7% | 25.9% | 34.7% | 41.6% | 47.4% |
| 35.0% | 18.0% | 30.7% | 39.8% | 47.1% | 53.1% |
| 40.0% | 22.4% | 35.6% | 45.0% | 52.5% | 58.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
30-79.07%Social Signal Score
Mentions (4)
- Newsglobenewswire.com·20d ago·Negative
…Declares Common Stock Dividend of $0.47 for the Third Quarter of 2026 CHICAGO, Sept. 16, 2026 (GLOBE NEWSWIRE) -- Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI), a commercial mortgage real estate investment trust, announced that its board of directors has declared a regular quarterly cash dividend of $0.47 per share for the third quarter of 2026. The regular quarterly dividend, which equates to an annualized rate of $1.88 per common share, is payable on October 15, 2026, to shareholde…
View source ↗ - Newsseekingalpha.com·55d ago·Positive
Chicago Atlantic Real Estate Finance, Inc. (REFI) Q2 2026 Earnings Call Transcript Chicago Atlantic Real Estate Finance, Inc. (REFI) Q2 2026 Earnings Call Transcript
View source ↗ - Newsmarketbeat.com·55d ago·Negative
Chicago Atlantic Real Estate Finance Q2 Earnings Call Highlights Chicago Atlantic Real Estate Finance NASDAQ: REFI reported second-quarter distributable earnings of $0.44 per basic weighted average common share, below its $0.47 quarterly dividend, as early loan repayments temporarily delayed the redeployment of capital.
View source ↗ - Newszacks.com·56d ago·Negative
Chicago Atlantic Real Estate Finance, Inc. (REFI) Lags Q2 Earnings and Revenue Estimates Chicago Atlantic Real Estate Finance, Inc. (REFI) came out with quarterly earnings of $0.43 per share, missing the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.51 per share a year ago.
View source ↗
Earnings
Tue, Nov 3(in 4 weeks)
Consensus estimate $0.50 per share
Typical surprise +2.4% (median, so one quarter with a near-zero estimate can't distort it)
- Tue, Aug 11$0.43 vs $0.48miss
- Thu, May 7$0.46 vs $0.48miss
- Thu, Mar 12$0.43 vs $0.42beat
- Tue, Nov 4$0.49 vs $0.46beat
- Thu, Aug 7$0.51 vs $0.45beat
- Wed, May 7$0.46 vs $0.45beat
Estimates and results for REFI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by REFI officers and directors.
- Bought
- $28.4m
- Sold
- $44k
43 trades
1 trade
- Mazarakis Johnbought
- Mazarakis Johnbought
- Mazarakis Johnbought
- Sack Peterbought
- Sack Peterbought
- Sack Peterbought
- Mazarakis Johnbought
- Cappell Anthonybought
56 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in REFI.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.