Stock Scorecard
Stock Summary for Chicago Atlantic Real Estate Finance Inc (REFI) - $14.34 as of 8/28/2025 7:14:44 PM EST
Total Score
16 out of 30
Safety Score
45 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for REFI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for REFI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for REFI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for REFI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for REFI (45 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 1 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 2 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for REFI
Financial Details for REFI
Company Overview |
|
|---|---|
| Ticker | REFI |
| Company Name | Chicago Atlantic Real Estate Finance Inc |
| Country | USA |
| Description | N/A |
| Sector Name | REAL ESTATE & CONSTRUCTION |
| Industry Name | REAL ESTATE INVESTMENT TRUSTS |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 11/5/2025 |
Stock Price History |
|
| Last Day Price | 14.34 |
| Price 4 Years Ago | 0.00 |
| Last Day Price Updated | 8/28/2025 7:14:44 PM EST |
| Last Day Volume | 73,938 |
| Average Daily Volume | 100,740 |
| 52-Week High | 15.26 |
| 52-Week Low | 12.35 |
| Last Price to 52 Week Low | 16.11% |
Valuation Measures |
|
| Trailing PE | 7.77 |
| Industry PE | 91.71 |
| Sector PE | 67.26 |
| 5-Year Average PE | 8.93 |
| Free Cash Flow Ratio | 0.01 |
| Industry Free Cash Flow Ratio | 120.13 |
| Sector Free Cash Flow Ratio | 78.92 |
| Current Ratio Most Recent Quarter | 0.80 |
| Total Cash Per Share | 1,687.44 |
| Book Value Per Share Most Recent Quarter | 14.71 |
| Price to Book Ratio | 0.97 |
| Industry Price to Book Ratio | 14.85 |
| Sector Price to Book Ratio | 13.37 |
| Price to Sales Ratio Twelve Trailing Months | 5.32 |
| Industry Price to Sales Ratio Twelve Trailing Months | 7.10 |
| Sector Price to Sales Ratio Twelve Trailing Months | 5.01 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 21,074,600 |
| Market Capitalization | 302,209,764 |
| Institutional Ownership | 33.46% |
Dividends |
|
| Ex-Dividend Date | 6/30/2025 |
| Previous Dividend Amount | 0.4700 |
| Current Dividend Amount | 0.4700 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.59 |
| Trailing Annual Dividend Yield | 11.19% |
| Forward Annual Dividend Rate | 1.88 |
| Forward Annual Dividend Yield | 13.23% |
| 5-Year Dividend Payments Count | 18 |
| 3-Year Average Dividend Yield | 13.01% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 1.92% |
| Dividend Payout Ratio | 86.41% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -10.90% |
| Annual Earnings Growth | -4.30% |
| Reported EPS 12 Trailing Months | 1.84 |
| Reported EPS Past Year | 0.88 |
| Reported EPS Prior Year | 1.88 |
| Net Income Twelve Trailing Months | 38,050,067 |
| Net Income Past Year | 37,045,000 |
| Net Income Prior Year | 38,710,248 |
| Quarterly Revenue Growth YOY | -1.30% |
| 5-Year Revenue Growth | -82.96% |
| Operating Margin Twelve Trailing Months | 65.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 35,562,084,000 |
| Total Cash Past Year | 26,400,448 |
| Total Cash Prior Year | 7,898,040 |
| Net Cash Position Most Recent Quarter | 35,512,868,985 |
| Net Cash Position Past Year | -22,695,802 |
| Long Term Debt Past Year | 49,096,250 |
| Long Term Debt Prior Year | 66,000,000 |
| Total Debt Most Recent Quarter | 49,215,015 |
| Equity to Debt Ratio Past Year | 0.86 |
| Equity to Debt Ratio Most Recent Quarter | 1.00 |
| Total Stockholder Equity Past Year | 308,958,000 |
| Total Stockholder Equity Prior Year | 271,853,391 |
| Total Stockholder Equity Most Recent Quarter | 310,028,390,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 24,119,056 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.14 |
| Free Cash Flow Past Year | 23,158,996 |
| Free Cash Flow Prior Year | 28,416,458 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.13 |
| MACD Signal | 0.04 |
| 20-Day Bollinger Lower Band | 12.96 |
| 20-Day Bollinger Middle Band | 13.82 |
| 20-Day Bollinger Upper Band | 14.68 |
| Beta | 0.28 |
| RSI | 60.93 |
| 50-Day SMA | 14.12 |
| 150-Day SMA | 12.62 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 8/28/2025 9:00:28 AM EST |