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Sunrise Realty Trust, Inc. (SUNS) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Sunrise Realty Trust, Inc. $9.88, price $7.35, upside +34.4%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Real Estate · US · ISIN US8679811021

SR Sunrise Realty Trust, Inc. logo Broad data Sep 23, 2026

Sunrise Realty Trust, Inc.

SUNS · US

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $9.88 · Undervalued (+34%)
!Quality 51/100
!Mixed Growth (revenue 5y +14.8 %/yr)
✓Highly profitable · 58.3% net margin (TTM)
!negative free cash flow
·16.33% dividend yield
✓Ranks above peers (11/13)
!Moderate moat 60/100
!Weak on future: 6 out of 100
!Weak on past: 28 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$12.50 $6.97 Fair Value $9.88 Jul 2024 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

26‑month range $6.97 – $12.50 · fair‑value band $7.40 – $10.26 · the $7.35 price screens below the $9.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

Sunrise Realty Trust, Inc. engages in commercial real estate lending business in the United States. The company focuses on originating commercial real estate (CRE) loans and providing capital to borrowers and sponsors with business plants collateralized by CRE assets.

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Sunrise Realty Trust, Inc. engages in commercial real estate lending business in the United States. The company focuses on originating commercial real estate (CRE) loans and providing capital to borrowers and sponsors with business plants collateralized by CRE assets. It also intends to diversify investment portfolio, targeting investments for mortgage loans, mezzanine loans, B-notes, commercial mortgage-backed securities, and debt-like preferred equity securities across CRE asset classes. The company has elected to be taxed as a real estate investment trust. As a result, it would not be subject to corporate income tax on that portion of its net income that is distributed to shareholders. Sunrise Realty Trust, Inc. was founded in 2023 and is headquartered in West Palm Beach, Florida.

Stock analysis

Sunrise Realty Trust, Inc. (SUNS) currently trades at $7.35, while our model-based Fair Value estimate is $9.88, implying the stock looks roughly 25.6% undervalued today.

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Valuation

Bull case: the Dividend Discount group reads highest at a median of $12.30 per share, and 6 of the 8 models we run sit above the $7.35 price.

Bear case: the Multiples group reads lowest at $4.88, and 2 of the 8 models stay below the price. Evidence for this calculation is high.

Scenario range: $7.40 (bear) to $10.26 (bull), the price of $7.35 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 51/100 (solid quality), in the Real Estate sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Sunrise Realty Trust, Inc. reported revenue of $26.4M in FY2025 versus $13.2M in FY2020, a compound +14.8%/yr. Reported net income was $12.1M in FY2025, compounding −2.7%/yr from FY2020.

Key figures

Market cap $98.1M · P/E ratio 7.7 · P/S ratio 3.56 · EPS (TTM) $0.9500 · Net margin 46.0% · Return on equity 7.1% · Return on assets (EBIT) 3.3% · Operating margin 57.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).

What moves the price

The share trades about 24% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at 34%, SUNS screens richer than that median.

Fair Value models

Bear $7.40 Fair Value $9.88 Bull $10.26
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income $9.88 $10.11 $9.60 74
Gordon GGM $7.74 $12.97 $16.83 66
DDM Multi-Stage $7.74 $12.30 $13.95 65
All 8 models by family
Dividend Discount
Gordon GGM $7.74 $12.97 $16.83 66
DDM Multi-Stage $7.74 $12.30 $13.95 65
Multiples
P/S Multiple $3.66 $4.88 $6.10 58
P/B Multiple $11.45 $15.27 $19.09 55
EV/EBIT $11.76 $15.52 $19.28 63
EV/Revenue $3.21 $4.38 $5.55 51
Asset-Based
NCAV (Graham) $6.73 $9.02 $13.46 51
Economic Profit
Residual Income $9.88 $10.11 $9.60 74

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Quality Score breakdown

Overall quality 51/100

Of which business quality 48 · Market factors (momentum, volatility) 31

Profitability 37
Margins and returns on capital today
Quality Growth 68
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 55
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 59
Calm price path (market factor)
Momentum 26
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 18
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 55/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+148.1%
Revenue growth 5 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.
+14.8%
Start year 2020 (pandemic)
Revenue growth 6 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.
−6.7%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+2.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.8%
Dividend (yield on the price)0.0%
Profit margin 2020 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.165% → 64%
2025 sits 72% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

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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 · 39 stocks

Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 53 · Above median
Fair Value upside +34% · Below median
Profitability
Return on equity (TTM) 7% · Above median
Return on assets 4% · Top 25%
Net margin (TTM) 58% · Above median
Operating margin (TTM) 58% · Above median
Growth and dividend
Revenue growth 1% · Below median
Dividend yield (TTM) 16.3% · Above median

Valuation Multiplesvs REIT - Mortgage median · lower = cheaper

P/E (TTM) 7.7× · Cheaper than median
P/B 0.54× · Cheaper than median
P/S (TTM) 4.39× · Cheaper than median
EV/EBITDA 5.4× · Cheaper than median
PEG 0.54× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)79 · sector 100
FUTURE (revenue growth)6 · sector 9
PAST (return on equity)28 · sector 25
HEALTH (low debt)0 · sector 0
DIVIDEND (yield)100 · sector 100

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more REIT - Mortgage stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Annaly Capital Management, Inc NLY $21.04 $23.37 +11%
AGNC Investment Corp AGNC $10.09 $25.23 +150%
Starwood Property Trust, Inc STWD $15.10 $35.89 +138%
Rithm Capital Corp RITM $9.64 $12.93 +34%
Dynex Capital, Inc DX $12.10 $11.09 −8%
Blackstone Mortgage Trust, Inc BXMT $13.14 $32.85 +150%
ARMOUR Residential REIT, Inc ARR $14.99 $23.05 +54%
Ellington Financial Inc EFC $12.70 $13.45 +6%
Ladder Capital Corp LADR $9.41 $7.57 −20%
Orchid Island Capital, Inc ORC $6.12 $15.30 +150%

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Sunrise Realty Trust, Inc. · Fair Value
$9.88 +26%Fair Value
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Cite: Fair Value Calculator (2026). "Sunrise Realty Trust, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SUNS

Frequently asked questions

Is Sunrise Realty Trust, Inc. (SUNS) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $9.88 versus a price of $7.35, about +34% upside (undervalued).
What is the fair value of SUNS?
Our model-based fair value for Sunrise Realty Trust, Inc. is $9.88 (as of Sep 23, 2026), built from audited fundamentals. The current price: $7.35.
What is the quality score of SUNS?
Sunrise Realty Trust, Inc. has a Quality Score of 51/100. 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 Sunrise Realty Trust, Inc. (SUNS)?
Our model-based price target is the fair value of $9.88 (as of Sep 23, 2026) from 8 valuation models. Cautious scenario $7.40, optimistic scenario $10.26. It is a calculation from audited fundamentals, not an analyst target.
What is the Sunrise Realty Trust, Inc. stock forecast for 2026?
Our models put fair value at $9.88, about +34% upside versus a price of $7.35 (undervalued). Cautious scenario $7.40, optimistic scenario $10.26. The calculation is refreshed regularly with new filings.
What is the revenue of Sunrise Realty Trust, Inc. (SUNS)?
Sunrise Realty Trust, Inc. reported trailing-twelve-month revenue of about $22.3M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Sunrise Realty Trust, Inc. (SUNS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sunrise Realty Trust, Inc. it is $9.88 per share (as of Sep 23, 2026), against a price of $7.35. It is the blended result of 8 valuation models (cash flow, earnings, asset, dividend).
Is Sunrise Realty Trust, Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SUNS trades below its calculated fair value: price $7.35, fair value $9.88, a gap of about +34% (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 SUNS?
No. The price is what the market pays today ($7.35); the fair value is what the company's own numbers justify ($9.88). For Sunrise Realty Trust, Inc. the two are $2.53 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sunrise Realty Trust, Inc. worth?
The market values Sunrise Realty Trust, Inc. at about $98.1M (market capitalisation, as of Sep 23, 2026). Per share that is $7.35; our models calculate a fair value of $9.88 per share.
What do the bullish and bearish scenarios say about SUNS?
Our models span a range for Sunrise Realty Trust, Inc.: cautious scenario $7.40, base $9.88, optimistic $10.26 per share (as of Sep 23, 2026, price $7.35). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SUNS?
Sunrise Realty Trust, Inc. trades at a price-to-earnings ratio of 7.7 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.88 is built from several models across several years. Other multiples: PEG 0.5, P/B 0.5, P/S 4.4, EV/EBITDA 5.4.
What is the PEG ratio of SUNS?
The PEG ratio of Sunrise Realty Trust, Inc. is 0.54 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Sunrise Realty Trust, Inc. (SUNS)?
Balance-sheet figures for Sunrise Realty Trust, Inc. (as of Sep 23, 2026): return on equity 7.1%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is SUNS from its 52-week high?
Sunrise Realty Trust, Inc. trades at $7.35, about 24% below its 52-week high of $9.64 and 4% above the low of $7.09 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $9.88 is for.
Which stocks are comparable to Sunrise Realty Trust, Inc.?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, 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 Sunrise Realty Trust, Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $7.35, calculated fair value $9.88 (+34%), Quality Score 51/100, from 8 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 SUNS calculated?
We run Sunrise Realty Trust, Inc. through 8 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 $9.88, 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 13.0 % above its aggregate fair value. Sunrise Realty Trust, Inc. currently trades 34 % 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 Sunrise Realty Trust, Inc. (SUNS)?
The closing price on Sep 23, 2026 was $7.35. Our model-based fair value is $9.88, about +34% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sunrise Realty Trust, Inc. right now?
Solid quality (51/100) 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.

Key figures of Sunrise Realty Trust, Inc.

How large is the market capitalisation of Sunrise Realty Trust, Inc. (SUNS)?
The market capitalisation of Sunrise Realty Trust, Inc. is $98.1M. 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 Sunrise Realty Trust, Inc. (SUNS)?
The price-to-sales ratio of Sunrise Realty Trust, Inc. is 3.56 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sunrise Realty Trust, Inc. (SUNS)?
Earnings per share at Sunrise Realty Trust, Inc. are $0.9500 (price ÷ EPS = P/E 7.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Sunrise Realty Trust, Inc. (SUNS)?
The net margin of Sunrise Realty Trust, Inc. is 46.0% (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 Sunrise Realty Trust, Inc. (SUNS)?
The return on equity (ROE) of Sunrise Realty Trust, Inc. is 7.1% (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 Sunrise Realty Trust, Inc. (SUNS)?
On an EBIT basis the return on assets of Sunrise Realty Trust, Inc. is 3.3% (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 Sunrise Realty Trust, Inc. (SUNS)?
The operating margin of Sunrise Realty Trust, Inc. is 57.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sunrise Realty Trust, Inc. (SUNS)?
Revenue at Sunrise Realty Trust, Inc. is growing +1.2% versus a year earlier (3y avg +18.9%). 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 Sunrise Realty Trust, Inc. (SUNS)?
Earnings per share at Sunrise Realty Trust, Inc. are growing −9.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sunrise Realty Trust, Inc. (SUNS) generate?
The free cash flow of Sunrise Realty Trust, Inc. is −$3.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sunrise Realty Trust, Inc. (SUNS) carry?
The net debt of Sunrise Realty Trust, Inc. is $116M (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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