Acres Commercial Realty Corp (ACR) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Acres Commercial Realty Corp stock $18.33, price $13.11, upside +39.8%, quality 54 out of 100. Rating: undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range $6.99 – $24.04 · fair‑value band $15.12 – $25.20 · the $13.11 price screens below the $18.33 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 1, 2026.
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ACRES Commercial Realty Corp., a real estate investment trust (REIT), focuses on the origination, holding, and management of commercial real estate mortgage loans and equity investments in commercial real estate property in the United States.
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The company invests in commercial real estate credit investments, including floating-rate first mortgage loans, first priority interests in first mortgage loans, subordinated interests in first mortgage loans, mezzanine financing, preferred equity investments, and CRE whole loans, and equity investments.
It qualifies as a real estate investment trust for federal income tax purposes. It generally 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 formerly known as Exantas Capital Corp. and changed its name to ACRES Commercial Realty Corp. in February 2021. ACRES Commercial Realty Corp. was incorporated in 2005 and is based in Uniondale, New York.
Stock analysis
Acres Commercial Realty Corp (ACR) currently trades at $13.11, while our model-based Fair Value estimate is $18.33, implying the stock looks roughly 28% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $20.16 per share, and 4 of the 7 models we run sit above the $13.11 price.
Bear case: the DCF Models group reads lowest at $3.90, and 3 of the 7 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $15.12 (bear) to $25.20 (bull), the price of $13.11 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 54/100 (solid quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Acres Commercial Realty Corp reported revenue of $166M in FY2025 versus $106M in FY2021, a compound +11.7%/yr. Reported net income was $21.3M in FY2025, compounding −11.0%/yr from FY2021.
Key figures
Market cap $203M Micro · P/S ratio 2.37 · EPS (TTM) $−1.09 · Dividend yield 10.6% · Net margin 12.8% · Return on equity 5.5% · Return on assets (EBIT) 2.9% · Operating margin −2.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).
What moves the price
The share trades about 45% below its 52-week high and 31% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 56% fair-value upside, at 40%, ACR screens richer than that median.
Fair Value models
Bear$15.12Fair Value $18.33Bull$25.20
Price $13.11 · Upside +39.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director sold shares worth $20,002 and none bought.
SaleDavid J BryantDirector1,440 shares at $13.89$20,002Sep 10, 2026
Plus 14 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.65/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+98.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+38.2%
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+12.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.7%
Dividend (yield on the price)10.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.5% vs −1.5%, steady
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.64% → 62%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
more than +80 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−38.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −40.2% a year for the forecasts.
News mood ⓘNews mood, the average tone of recent news (84 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 30 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Top 25%
Fair Value upside+39.8% · Below median
Profitability
Return on equity (12 months)5.5% · Below median
Return on assets1.0% · Below median
Net margin (12 months)16.6% · Bottom 25%
Operating margin (12 months)−2.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−14.8% · Bottom 25%
Dividend yield (12 months)10.6% · Bottom 25%
Balance sheet
Debt / equity3.67× · Highest 25%
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
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Is Acres Commercial Realty Corp (ACR) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of $18.33 versus a price of $13.11, about +40% upside (undervalued).
What is the fair value of ACR?
Our model-based fair value for Acres Commercial Realty Corp is $18.33 (as of Nov 1, 2026), built from audited fundamentals. The current price: $13.11.
What is the quality score of ACR?
Acres Commercial Realty Corp has a Quality Score of 54/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Acres Commercial Realty Corp (ACR)?
Our model-based price target is the fair value of $18.33 (as of Nov 1, 2026) from 11 valuation models. Cautious scenario $15.12, optimistic scenario $25.20. It is a calculation from audited fundamentals, not an analyst target.
What is the Acres Commercial Realty Corp stock forecast for 2026?
Our models put fair value at $18.33, about +40% upside versus a price of $13.11 (undervalued). Cautious scenario $15.12, optimistic scenario $25.20. The calculation is refreshed regularly with new filings.
What is the revenue of Acres Commercial Realty Corp (ACR)?
Acres Commercial Realty Corp reported trailing-twelve-month revenue of about $84.4M (latest available figure, as of Nov 1, 2026).
Does Acres Commercial Realty Corp pay a dividend?
Acres Commercial Realty Corp currently shows a dividend yield of 10.63% relative to its recent price (as of Nov 1, 2026).
What growth is priced into Acres Commercial Realty Corp (ACR)?
For today's price to be fair in a discounted-cash-flow model, Acres Commercial Realty Corp would have to grow free cash flow by more than 80 % per year for five years (discount rate 13.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 6 years revenue grew +19.7 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of ACR use?
Our models discount Acres Commercial Realty Corp at 13.0 %: a base by market capitalisation (micro), damped by beta 1.10, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Acres Commercial Realty Corp that is more than 80 % per year a year over ten years, using the same discount rate (13.0 %) and the same formula as our fair value.
How much growth has Acres Commercial Realty Corp (ACR) delivered so far?
Over the past 6 years revenue at Acres Commercial Realty Corp grew +19.7 % a year. The price currently implies more than 80 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Acres Commercial Realty Corp (ACR) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Acres Commercial Realty Corp (more than 80 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Acres Commercial Realty Corp (ACR)?
The free-cash-flow yield on the price is 4.49 %: that much free cash flow Acres Commercial Realty Corp produces per unit of market value. When it exceeds the discount rate of our models (13.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Acres Commercial Realty Corp (ACR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Acres Commercial Realty Corp it is $18.33 per share (as of Nov 1, 2026), against a price of $13.11. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Acres Commercial Realty Corp stock overvalued or undervalued in 2026?
As of Nov 1, 2026, ACR trades below its calculated fair value: price $13.11, fair value $18.33, a gap of about +40% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ACR?
No. The price is what the market pays today ($13.11); the fair value is what the company's own numbers justify ($18.33). For Acres Commercial Realty Corp the two are $5.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is Acres Commercial Realty Corp worth?
The market values Acres Commercial Realty Corp at about $203M (market capitalisation, as of Nov 1, 2026). Per share that is $13.11; our models calculate a fair value of $18.33 per share.
What do the bullish and bearish scenarios say about ACR?
Our models span a range for Acres Commercial Realty Corp: cautious scenario $15.12, base $18.33, optimistic $25.20 per share (as of Nov 1, 2026, price $13.11). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Acres Commercial Realty Corp (ACR)?
Balance-sheet figures for Acres Commercial Realty Corp (as of Nov 1, 2026): return on equity 5.5%, debt of 3.67 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is ACR from its 52-week high?
Acres Commercial Realty Corp trades at $13.11, about 45% below its 52-week high of $24.04 and 31% above the low of $9.99 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of $18.33 is for.
Which stocks are comparable to Acres Commercial Realty Corp?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Rithm Capital Corp, Starwood Property Trust, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Acres Commercial Realty Corp stock attractive at the current price?
The data as of Nov 1, 2026: price $13.11, calculated fair value $18.33 (+40%), Quality Score 54/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ACR calculated?
We run Acres Commercial Realty Corp through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $18.33, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Acres Commercial Realty Corp currently trades 28% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Acres Commercial Realty Corp (ACR)?
The closing price on Nov 5, 2026 was $13.11. Our model-based fair value is $18.33, about +40% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Acres Commercial Realty Corp right now?
The price is below even our cautious bear case ($15.12). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of Acres Commercial Realty Corp (ACR) come from?
Earnings per share at Acres Commercial Realty Corp grew −0.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.8 %, EBIT margin −0.8 %, tax rate −0.1 %, residual (interest, one-offs) −2.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Acres Commercial Realty Corp
How large is the market capitalisation of Acres Commercial Realty Corp (ACR)?
The market capitalisation of Acres Commercial Realty Corp is $203M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Acres Commercial Realty Corp (ACR)?
The price-to-sales ratio of Acres Commercial Realty Corp is 2.37 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Acres Commercial Realty Corp (ACR)?
Earnings per share at Acres Commercial Realty Corp are $−1.09. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Acres Commercial Realty Corp (ACR)?
The dividend yield of Acres Commercial Realty Corp is 10.6%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Acres Commercial Realty Corp (ACR)?
The net margin of Acres Commercial Realty Corp is 12.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Acres Commercial Realty Corp (ACR)?
The return on equity (ROE) of Acres Commercial Realty Corp is 5.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Acres Commercial Realty Corp (ACR)?
On an EBIT basis the return on assets of Acres Commercial Realty Corp is 2.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Acres Commercial Realty Corp (ACR)?
The operating margin of Acres Commercial Realty Corp is −2.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Acres Commercial Realty Corp (ACR)?
Revenue at Acres Commercial Realty Corp is growing −14.8% versus a year earlier (3y avg +38.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Acres Commercial Realty Corp (ACR)?
Earnings per share at Acres Commercial Realty Corp are growing +272% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Acres Commercial Realty Corp (ACR) carry?
The net debt of Acres Commercial Realty Corp is $1.5B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Some data
Nov 1, 2026