C

    Chicago Atlantic Real Estate Finance Inc (REFI)

    Official site

    REAL ESTATE • REIT - MORTGAGE • NASDAQ

    $10.88
    +0.20 (+1.87%)

    Market Cap: $273.63M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    45%(9/20)
    Avg Surprise
    -5.41%

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.47
    Range$0.42 - $0.50
    5 analysts
    EPS Revisions
    2
    0
    7d
    2
    2
    30d
    EPS Estimate Drift
    90d ago$0.45-4.7%
    60d ago$0.45-4.7%
    30d ago$0.46-1.7%
    7d ago$0.46-1.7%
    Current$0.47
    Revenue Consensus
    $14M
    Range$13M - $15M
    4 analysts
    Dec 31, 2026
    EPS Consensus$-0.04
    Range$-0.10 - $0.03
    2 analysts
    Revenue Consensus
    $13M
    Range$13M - $13M
    3 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$-0.04---
    Sep 26EST
    		-$0.47---
    Jun 26
    		$0.38$0.44-13.64%Miss-19.1%
    Mar 26
    		$0.23$0.44-47.73%Miss-51.1%
    Dec 25
    		$0.38$0.46-16.67%Miss-9.5%
    Sep 25
    		$0.42$0.46-8.70%Miss-25.0%
    Jun 25
    		$0.47$0.42+11.90%Beat+2.2%
    Mar 25
    		$0.47$0.44+6.82%Beat+0.0%
    Dec 24
    		$0.42$0.44-4.55%Miss-17.6%
    Sep 24
    		$0.56$0.51+9.80%Beat+3.7%
    Jun 24
    		$0.46$0.54-14.81%Miss-2.1%
    Mar 24
    		$0.47$0.56-16.07%Miss-21.7%
    Dec 23
    		$0.51$0.51+0.00%Beat+24.4%
    Sep 23
    		$0.54$0.53+1.89%Beat-1.8%
    Jun 23
    		$0.47$0.54-12.96%Miss+11.9%
    Mar 23
    		$0.60$0.51+17.65%Beat+36.4%
    Dec 22
    		$0.41$0.48-14.58%Miss-28.1%
    Sep 22
    		$0.55$0.48+14.58%Beat+816.7%
    Jun 22
    		$0.42$0.48-12.50%Miss+42.2%
    Mar 22
    		$0.44$0.40+10.00%Beat-
    Dec 21
    		$0.57$0.33+72.73%Beat-
    Sep 21
    		$0.06N/A-91.43%Miss-
    Mar 21
    		$0.30$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Yield17.28%
    Annual/Share$1.88
    Payout Ratio151.62%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Growth

    3Y CAGR-3.62%
    View REFI's full dividend history

    Key Metrics

    Valuation
    P/E Ratio7.72EV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin60.20%Operating Margin62.70%
    ROE9.61%ROIC2017.62%
    Financial Health
    Debt/Equity0.16xInterest Coverage1145.47x
    Current Ratio0.40xQuick Ratio0.40x
    Trading Statistics
    Beta0.32Avg Volume173.72K
    52-Week High$12.4352-Week Low$9.69

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$10.69
    SMA 20$10.44
    SMA 50$10.45
    SMA 200$11.00
    EMA 10$10.66
    EMA 20$10.53
    EMA 50$10.52
    EMA 200$10.96

    MACD

    Line: 0.12Signal: 0.07Hist: 0.06

    ADX

    ADX: 25.2+DI: 24.4-DI: 13.2

    Aroon & PSAR

    Aroon Up100.0
    Aroon Down16.0
    PSAR$10.59

    Bollinger Bands

    Upper Band$11.02
    Lower Band$9.86
    %B Position1115%(Upper)
    Band Width0.88

    RSI (14-Day)

    Neutral
    64.5

    Momentum Oscillators

    Stoch %K77.7
    Stoch %D75.0
    Williams %R-7.3
    ROC (10d)5.9%
    Momentum0.61
    CCI (20d)103.3
    MFI (14d)61.5

    Volatility Measures

    ATR (14d)$0.24(2.2%)
    StdDev (20d)0.29
    Hist Vol18.5%(Low)

    Volume Flow

    VWAP$10.83
    OBV-3.4M
    AD Line-538.1M
    CMF (20d)0.068

    Volume Metrics

    Avg Vol (20d)171.5K
    Vol Ratio0.7x
    VWMA (20d)$10.42

    Pivot Points

    R3$10.94
    R2$10.85
    R1$10.77
    Pivot Point$10.68
    S1$10.59
    S2$10.50
    S3$10.41

    Advanced Oscillators

    TSI16.16
    Ultimate Osc52.4
    KST32.95

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$15.22M$15.16M$16.08M$13.69M$14.59M$13.04M$13.90M$14.46M$13.18M$13.24M$15.09M$13.82M
    Cost of Revenue$1.60M$1.72M$1.94M$1.44M$1.93M$1.74M$2.86M$1.67M$1.77M$1.75M$3.24M$41.35M
    Gross Profit$13.61M$13.45M$14.14M$13.69M$14.59M$13.04M$13.90M$14.46M$13.18M$13.24M$15.09M$13.78M
    Operating Expenses$3.76M$6.56M$5.98M$13.69M$14.59M$13.04M$13.90M$14.46M$13.18M$13.24M$5.76M$3.88M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$2.02M$1.66B$2.45M$2.23M$2.15M$1.85M$2.34M$2.10M$2.09M$1.92M$5.23M$3.39M
    Operating Income$9.86M$6.88M$8.16M$10.50M$10.95M$12.11M$9.33M$13.01M$11.02M$10.83M$9.33M$-1,783,765,000
    Interest Income$0$15.16M$16.08M$15.25M$16.50M$15.11M$15.48M$16.26M$15.02M$15.34M$16.53M$15.18M
    Interest Expense$2.38M$2.04M$1.84M$1.57M$2.08M$2.06M$1.41M$1.80M$1.84M$2.10M$1.69M$1.45M
    Income Before Tax$7.47M$4.84M$8.16M$8.93M$8.88M$10.04M$7.92M$11.21M$9.18M$8.73M$9.40M$9.98M
    Income Tax Expense$0$0$0$0$0$0$0$0$9.18M$8.73M$9.33M$9.98B
    Net Income$7.47M$4.84M$8.16M$8.93M$8.88M$10.04M$7.92M$11.21M$9.18M$8.73M$9.40M$9.98M
    EBITDA$9.86M$6.88M$8.16M$9.26B$10.95M$12.11M$9.33M$79,768$91,678$90,915$11.09M$-1,635,554,290
    EBITN/AN/AN/A$8.93B$10.95M$12.11M$9.33M$0$0$0$20.42M$-1,782,230,290
    * Some calculated fields are derived from available data when not provided by source

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    News

    Chicago Atlantic REFI executive chairman buys $1,547 in stock By Investing.com

    John Mazarakis, Executive Chairman of Chicago Atlantic Real Estate Finance (REFI), recently bought 145 shares for $1,547. This purchase comes as REFI trades near its 52-week low and offers a significant dividend yield of 17.4%. The company recently reported Q2 2026 earnings below Wall Street expectations, leading Citizens to adjust its price target.

    Investing.com Australia•8/26/26•
    Neutral

    Chicago Atlantic (REFI) chair now holds 478,851 shares

    Chicago Atlantic Real Estate Finance, Inc. (REFI) Executive Chairman John Mazarakis purchased 145 shares of common stock at $10.67 per share on August 21, 2026, increasing his direct holdings to 478,851 shares. He also has indirect holdings through his spouse and Joppa Seasoning, LLC. The transaction was not made pursuant to a Rule 10b5-1 trading plan.

    Stock Titan•8/25/26•
    Neutral

    REFI Technical Analysis & ETF Price Forecast

    This article provides a technical analysis for Chicago Atlantic Real Estate Finance Inc (REFI), stating that its overall technical sentiment is Neutral. While momentum indicators like RSI and MACD currently show a Neutral signal, several simple moving averages (5-Day, 10-Day, 20-Day, 60-Day, 200-Day, 250-Day) suggest a Buy signal for REFI given its current share price of $10.78. The analysis also lists key support and resistance levels.

    Intellectia AI•8/23/26•
    Neutral

    Chicago Atlantic Real Estate Finance, Inc. (REFI) Lags Q2 Earnings and Revenue Estimates

    Chicago Atlantic Real Estate Finance, Inc. (REFI) reported Q2 earnings of $0.43 per share, missing the Zacks Consensus Estimate of $0.48, and revenues of $12.84 million, also falling short of the $13.85 million estimate. The company's shares have declined by 16.5% year-to-date, contrasting with the S&P 500's 13.3% gain. Analysts currently hold a Zacks Rank #3 (Hold) for REFI, suggesting its performance will be in line with the market.

    Eastern Progress•8/22/26•
    Bearish

    Chicago Atlantic REFI Co-CEO Peter Sack buys $52,220 in stock

    Chicago Atlantic Real Estate Finance, Inc. (NASDAQ:REFI) Co-CEO Peter Sack recently purchased 5,000 shares of the company's stock for a total of $52,220. These transactions occurred over two days at prices between $10.39 and $10.53 per share. This insider buying comes as the stock trades below its estimated Fair Value, offering a 17.72% dividend yield and a P/E ratio of 7.52.

    Investing.com•8/22/26•
    Somewhat-Bullish

    Frequently Asked Questions About REFI

    What is REFI's current dividend yield?
    Chicago Atlantic Real Estate Finance Inc (REFI) has a current dividend yield of 17.28%.
    Does REFI pay dividends?
    Yes, Chicago Atlantic Real Estate Finance Inc pays dividends with a current yield of 17.28%.
    What is REFI's P/E ratio?
    Chicago Atlantic Real Estate Finance Inc has a price-to-earnings (P/E) ratio of 7.72.
    What is REFI's market cap?
    Chicago Atlantic Real Estate Finance Inc (REFI) has a market capitalization of $273.63M with a current stock price of $10.88.

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