Is Chicago Atlantic Real Estate Finance, Inc. (REFI) Overvalued?
We dive into why Chicago Atlantic Real Estate Finance, Inc. (REFI) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Tudor Pop
Stock Evaluator: Chicago Atlantic Real Estate Finance, Inc. (REFI)
Chicago Atlantic Real Estate Finance, Inc. REFI
$10.59
0.22
2.12%
August 19, 2026 4:00:00 PM
EST
Volume: 139,111
After Hours: $120.37
0.15
|
0.12%
November 10, 2021 7:59 PM
EST
Volume: 72,713
USD
NASD | DELAYED PRICE
| SECTOR | INDUSTRY |
| Financials | Mortgage Real Estate Investment Trusts (REITs) |
A+ Stock Grade Summary:
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COMPANY SUMMARY
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial mortgage real estate investment trust in the United States. It engages in originating, structuring, and investing in first mortgage loans and alternative structured financings secured by commercial real estate properties. The company’s loan portfolio is comprised of senior loans to state-licensed operators in the cannabis industry. It has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Chicago Atlantic Real Estate Finance, Inc. was incorporated in 2021 and is based in Miami Beach, Florida.
Commentary & Analysis
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Financial Summary
| Share Statistics | REFI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $271.8 | $609.1 | 30% |
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| Shares Out (Mil) | 21.7 | 93.6 | 31% |
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| Institutional Ownership | 71.5% | 95.4% | 44% |
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| Float (Mil) | 22.8 | 90.0 | 31% |
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| Beta | 0.32 | 1.19 | 19% |
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| Avg Daily Volume (000s) | 196 | 952 | 44% |
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| Price Change (52-week) |
(25.0%) | 78.3% | 26% |
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| Growth | REFI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | na | 6.3% | na |
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| Net Income (5yr) | na | 17.8% | na |
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| EPS (5yr) | na | 16.9% | na |
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| Dividends (5yr) | na | (1.2%) | 89% |
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| Cash Flow (5yr) | na | (16.1%) | na |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | $0.403 | $1.728 | $1.325 | |
| Month Ago EPS | na | na | na | |
| # Rev Up | 0 | 0 | 1 | |
| # Rev Down | 2 | 2 | 0 | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | 18.5% | 2.9% | 7.6% | |
| Financials | REFI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $49 | $262 | 20% |
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| Net Income (TTM) (Mil) | $29 | $24 | 51% |
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| EPS (TTM) | $1.392 | $0.500 | 65% |
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| Operating Cash Flow (TTM) (Mil) | $27 | $45 | 43% |
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| Net Cash Flow (TTM) (Mil) | ($22) | $3 | 25% |
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| Long-Term Debt (Q1) (Mil) | $141 | $2,347 | 47% |
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| Enterprise Value (Q1) (Mil) | na | $3,116 | na |
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| Valuation | REFI | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.75 | 0.71 | 14% |
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| P/E | 7.8 | 8.8 | 10% |
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| Dividend Yield | 17.7% | 13.1% | 100% |
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| PEG (5yr hist) | na | 0.3 | na |
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| Ratios | REFI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | 100.0% | 98.0% | 96% |
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| Net Margin | 60.2% | 44.6% | 98% |
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| ROA | 6.4% | 0.9% | 77% |
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| ROE | 9.6% | 5.3% | 56% |
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| Liabilities to Assets | 34.7% | 82.8% | 26% |
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| F-Score | 5 | 5 | 50% |
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Chicago Atlantic Real Estate Finance, Inc. did not pass any screens on 8/20/2026.
