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Chicago Atlantic Real Estate Finance, Inc (REFI) Fair Value & Analysis

Real Estate · US · Market cap $244M

Price$11.03
Fair Value$13.95
Upside+26.5%
Quality95/100
Evidence: High Range $12.48 – $21.02

Fair value as of: Jun 26, 2026

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Analysis

Chicago Atlantic Real Estate Finance, Inc (REFI) currently trades at $11.03, while our model-based Fair Value estimate is $13.95 — implying the stock looks roughly 26.5% undervalued today. We read business quality at 95/100 (high quality), in the Real Estate sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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.

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Frequently asked questions

Is Chicago Atlantic Real Estate Finance, Inc (REFI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $13.95 versus a price of $11.03 — about +26% (undervalued). Model-based estimate, not financial advice.
What is the fair value of REFI?
Our 21-model fair value for Chicago Atlantic Real Estate Finance, Inc is $13.95 (as of Jun 26, 2026), built from audited fundamentals. The current price is $11.03.
What is the quality score of REFI?
Chicago Atlantic Real Estate Finance, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.