/REFI
REFI Stock - Chicago Atlantic Real Estate Finance, Inc.
Real Estate|REIT - MortgageNASDAQ
$12.99-1.37%
$0.18 (-1.37%) • Dec 19
64
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.44
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).66
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.100
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+7.8%upside
Target: $14.00
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ENTRY ZONE$12.86 – $13.12
TARGET (TP)$14.00
STOP LOSS$11.95
RISK/REWARD1:1.0
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Price Chart
Financial Statements
Revenue & Profitability Trend
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.27
52W High$16.29
52W Low$11.85
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|
| Revenue | $54.78M | $57.33M | $48.86M | $14.47M |
| Gross Profit | $54.78M | $57.33M | $48.86M | $14.24M |
| Gross Margin | 100.0% | 100.0% | 100.0% | 98.5% |
| Operating Income | N/A | N/A | N/A | $12.66M |
| Net Income | $37.05M | $38.71M | $32.29M | $12.66M |
| Net Margin | 67.6% | 67.5% | 66.1% | 87.5% |
| EPS | $1.92 | $2.14 | $1.83 | $0.54 |
Company Overview
Chicago Atlantic Real Estate Finance, Inc. operates as a commercial real estate finance company in the United States. It originates, structures, and invests in first mortgage loans and alternative structured financings secured by commercial real estate properties. The company offers senior loans to state-licensed operators and property owners 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. The company was incorporated in 2021 and is based in Chicago, Illinois.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
1
33%
Hold / Neutral
2
67%
Sell / Underperform
0%
Analyst Consensus🔴 Bearish
1 Bullish2 Neutral/Bearish
Price Targets
$17
Average Target
↑ 33.4% Upside
Now
$16
Low
$17
Average
$20
High
Based on 3 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 17th 2024 | Alliance Global Partners | Initiation | Buy | $20 |
| September 5th 2023 | Compass Point | Downgrade | Neutral | $16 |
| September 1st 2023 | Piper Sandler | Initiation | Neutral | $16 |
Earnings History & Surprises
REFIBeat Rate
63%
Last 16 quarters
Avg Surprise
+6.4%
EPS vs Estimate
Beats / Misses
10/5
1 met exactly
Latest EPS
$0.49
Q4 2025
EPS Surprise History
Q1 24
0.0%
$0.51vs$0.51
Q2 24
-11.3%
$0.47vs$0.53
Q3 24
-9.8%
$0.46vs$0.51
Q4 24
+16.7%
$0.56vs$0.48
Q1 25
+7.0%
$0.46vs$0.43
Q2 25
+2.2%
$0.46vs$0.45
Q3 25
+13.3%
$0.51vs$0.45
Q4 25
+6.5%
$0.49vs$0.46
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 5, 2026 | — | — | — | — |
Q1 2026 | Mar 11, 2026 | $0.42 | — | — | — |
Q4 2025 | Nov 4, 2025 | $0.46 | $0.49 | +6.5% | ✓ BEAT |
Q3 2025 | Aug 7, 2025 | $0.45 | $0.51 | +13.3% | ✓ BEAT |
Q2 2025 | May 7, 2025 | $0.45 | $0.46 | +2.2% | ✓ BEAT |
Q1 2025 | Mar 12, 2025 | $0.43 | $0.46 | +7.0% | ✓ BEAT |
Q4 2024 | Nov 7, 2024 | $0.48 | $0.56 | +16.7% | ✓ BEAT |
Q3 2024 | Aug 7, 2024 | $0.51 | $0.46 | -9.8% | ✗ MISS |
Q2 2024 | May 7, 2024 | $0.53 | $0.47 | -11.3% | ✗ MISS |
Q1 2024 | Mar 12, 2024 | $0.51 | $0.51 | 0.0% | = MET |
Q4 2023 | Nov 8, 2023 | $0.53 | $0.54 | +1.9% | ✓ BEAT |
Q3 2023 | Aug 9, 2023 | $0.54 | $0.47 | -13.0% | ✗ MISS |
Q2 2023 | May 9, 2023 | $0.50 | $0.60 | +20.0% | ✓ BEAT |
Q1 2023 | Mar 9, 2023 | $0.48 | $0.41 | -14.6% | ✗ MISS |
Q4 2022 | Nov 9, 2022 | $0.48 | $0.55 | +14.6% | ✓ BEAT |
Q3 2022 | Aug 9, 2022 | $0.47 | $0.42 | -10.6% | ✗ MISS |
Q2 2022 | May 12, 2022 | $0.41 | $0.44 | +7.3% | ✓ BEAT |
Q1 2022 | Mar 22, 2022 | $0.33 | $0.57 | +72.7% | ✓ BEAT |
Q4 2021 | Dec 9, 2021 | — | $0.23 | — | — |
Q4 2021 | Oct 8, 2021 | — | $0.06 | — | — |
Latest News
Chicago Atlantic Real Q3 Adj. EPS $0.49 Beats $0.44 Estimate, Sales $13.685M Miss $15.178M Estimate
➖ NeutralBenzinga•Nov 4, 2025, 12:04 PM
Chicago Atlantic Real Estate Finance Officers And Directors Acquire 54,000 Shares Worth $673,000 Demonstrating Confidence In Company
📈 PositiveBenzinga•Oct 17, 2025, 11:08 AM
Frequently Asked Questions about REFI
What is REFI's current stock price?
Chicago Atlantic Real Estate Finance, Inc. (REFI) is currently trading at $12.99 per share. The stock has moved -1.37% today.
What is the analyst price target for REFI?
The average analyst price target for REFI is $14.00, based on 1 analyst.
What sector is Chicago Atlantic Real Estate Finance, Inc. in?
Chicago Atlantic Real Estate Finance, Inc. operates in the Real Estate sector, specifically within the REIT - Mortgage industry. The company is traded on the NASDAQ exchange.
What is REFI's market cap?
Chicago Atlantic Real Estate Finance, Inc. has a market capitalization of $0.27 billion, making it a small-cap company.
Does REFI pay dividends?
No, Chicago Atlantic Real Estate Finance, Inc. does not currently pay a dividend to shareholders.
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