ACRES Commercial Realty (ACR)
NYSE:ACR
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ACRES Commercial Realty
(NYSE:ACR)
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Rating:58Neutral
Price Target:
$20.00
▲(2.46% Upside)
Action:ReiteratedDate:03/10/26
The score is held back primarily by weaker cash-flow trends and high leverage in the financials, alongside a neutral-to-soft technical picture. These are partly offset by a low P/E valuation and a generally positive earnings-call tone emphasizing portfolio growth, improving credit quality, and shareholder-friendly actions.
Positive Factors
Strong Loan Origination & Portfolio Growth
Sustained origination and net portfolio expansion provide durable revenue and interest income runway. Scale in a $1.8B portfolio diversifies sponsor and property exposure, supports fee and spread income, and underpins management's $500M–$700M 2026 growth plan for multi-quarter earnings tailwinds.
Negative Factors
High Leverage and Balance-Sheet Sensitivity
Elevated debt-to-equity typical for mortgage REITs increases sensitivity to rising funding costs and valuation swings. With leverage near mid/high single digits on ROE, the balance sheet offers limited margin for error—constraining capital flexibility and amplifying earnings sensitivity to spread compression or credit losses.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Loan Origination & Portfolio Growth
Sustained origination and net portfolio expansion provide durable revenue and interest income runway. Scale in a $1.8B portfolio diversifies sponsor and property exposure, supports fee and spread income, and underpins management's $500M–$700M 2026 growth plan for multi-quarter earnings tailwinds.
Read all positive factors
ACRES Commercial Realty (ACR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$135.49M
Dividend YieldN/A
Average Volume (3M)38.31K
Price to Earnings (P/E)7.1
Beta (1Y)0.30
Revenue Growth-18.37%
EPS Growth18.80%
CountryUS
Employees4
SectorReal Estate
Sector Strength53
IndustryREIT - Mortgage
Share Statistics
EPS (TTM)-0.48
Shares Outstanding7,131,101
10 Day Avg. Volume30,592
30 Day Avg. Volume38,309
Financial Highlights & Ratios
PEG Ratio-0.07
Price to Book (P/B)0.36
Price to Sales (P/S)0.92
P/FCF Ratio38.64
Enterprise Value/Market Cap12.13
Enterprise Value/Revenue9.91
Enterprise Value/Gross Profit10.31
Enterprise Value/Ebitda14.42
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.93
Revenue Forecast (FY)$81.84M
ACRES Commercial Realty Business Overview & Revenue Model
Company Description
ACRES Commercial Realty Corp., a real estate investment trust (REIT), focuses on the origination, holding, and management of commercial real estate mortgage loans and other commercial real estate-related debt investments in the United States. It i...
How the Company Makes Money
ACR generates revenue through multiple streams including property management fees, leasing commissions, and advisory fees for investment services. The company earns a significant portion of its income from managing a diversified portfolio of comme...
ACRES Commercial Realty Earnings Call Summary
Earnings Call Date:Mar 04, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 06, 2026
Earnings Call Sentiment Positive
The call communicated multiple operational and balance-sheet positives: strong loan origination and net portfolio growth, a $1B CRE securitization, improved credit metrics (risk rating and fewer 4/5 loans), book value growth, accretive buybacks, and clear 2026 deployment plans. Offsetting these were a modest GAAP net loss, a fully reserved legacy mezzanine charge-off that caused a pronounced EAD swing for the quarter, smaller CECL reserve releases versus the prior quarter, some GAAP loss recognition on an REO sale, and noted compression in multifamily spreads. Overall, the company presented tangible execution on portfolio growth, credit remediation, and capital actions that, in management's view, position ACRES for resumed dividends and continued growth.Positive Updates
Strong Loan Origination and Net Portfolio Growth
Closed $571,000,000 of new commitments in Q4 2025 and, after payoffs and net unfunded commitments of $127,200,000, produced a net increase to the loan portfolio of $443,800,000. Portfolio ended the quarter at $1,800,000,000 across 53 investments.
Negative Updates
GAAP Net Loss and Per-Share Impact
GAAP net loss allocable to common shares in Q4 was $3,000,000, or $0.43 per share. This included a variety of non-operational items and the legacy mezzanine charge-off.
Read all updates
Q4-2025 Updates
Positive
Negative
Strong Loan Origination and Net Portfolio Growth
Closed $571,000,000 of new commitments in Q4 2025 and, after payoffs and net unfunded commitments of $127,200,000, produced a net increase to the loan portfolio of $443,800,000. Portfolio ended the quarter at $1,800,000,000 across 53 investments.
Read all positive updates
Company Guidance
Guidance focused on aggressive but disciplined portfolio growth: management projects net loan portfolio growth of $500M–$700M in 2026 (after expected repayments of roughly $500M), building on Q4 new commitments of $571M and net originations of $443.8M; new-loan weighted average spread was 2.83% (avg loan size ~$40–50M) with intent to exceed that level as the company rebalances away from a multifamily-heavy mix toward a historical ~60–65% multifamily weighting and uses CLO reinvestment (30‑month reinvestment period, up to 40% allowed outside multifamily) after closing ACRES 2026‑FL4 ($1.0B deal, 86.5% leverage, 1.68% weighted debt spread); the $1.8B floating‑rate loan portfolio carries a 3.35% spread over 1‑month SOFR, management expects to keep total leverage inside ~4.0x, is positioned to resume common dividends, and enters 2026 with $108M of available liquidity ($84M cash + $24M financing).ACRES Commercial Realty Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
48
Neutral
Cash Flow
41
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 165.90M | 83.49M | 91.13M | 62.88M | 106.43M |
| Gross Profit | 159.34M | 36.59M | 52.22M | 29.02M | 100.25M |
| EBITDA | 113.91M | 126.15M | 149.96M | 88.44M | 101.92M |
| Net Income | 21.32M | 29.27M | 22.39M | 10.62M | 33.92M |
Balance Sheet | |||||
| Total Assets | 2.16B | 1.88B | 2.20B | 2.38B | 2.28B |
| Cash, Cash Equivalents and Short-Term Investments | 85.96M | 56.71M | 83.45M | 66.23M | 35.50M |
| Total Debt | 1.59B | 1.41B | 1.72B | 1.91B | 1.82B |
| Total Liabilities | 1.61B | 1.43B | 1.75B | 1.94B | 1.84B |
| Stockholders Equity | 420.80M | 439.13M | 435.80M | 435.47M | 448.19M |
Cash Flow | |||||
| Free Cash Flow | 3.94M | 19.38M | 45.61M | 31.96M | 40.53M |
| Operating Cash Flow | 4.10M | 19.39M | 45.61M | 32.70M | 40.59M |
| Investing Cash Flow | -224.23M | 299.07M | 161.31M | -232.55M | -390.50M |
| Financing Cash Flow | 248.48M | -352.74M | -219.85M | 20.74M | 566.10M |
ACRES Commercial Realty Technical Analysis
Negative
19.52
Price Trends
19.11
Negative
20.43
Negative
19.97
Negative
Market Momentum
<0.01
Negative
49.52
Neutral
52.20
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For ACR, the sentiment is Negative. The current price of 19.52 is above the 20-day moving average (MA) of 18.93, above the 50-day MA of 19.11, and below the 200-day MA of 19.97, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 49.52 is Neutral, neither overbought nor oversold. The STOCH value of 52.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for ACR.
ACRES Commercial Realty Risk Analysis
ACRES Commercial Realty disclosed 69 risk factors in its most recent earnings report. ACRES Commercial Realty reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
ACRES Commercial Realty Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
65 Neutral | $186.42M | 7.07 | 5.46% | 13.82% | -18.06% | -18.94% | |
65 Neutral | $208.04M | 4.63 | 17.10% | 14.83% | 65.86% | -74.61% | |
58 Neutral | $135.49M | 7.14 | 4.99% | ― | -18.37% | 18.80% | |
55 Neutral | $102.14M | -25.12 | 2.95% | 21.65% | 22.14% | ― | |
53 Neutral | $64.45M | -9.86 | 4.30% | 23.03% | -31.69% | -72.10% | |
45 Neutral | $68.49M | -2.79 | -7.12% | 7.97% | -28.13% | 62.49% |
* Real Estate Sector Average
ACR
ACRES Commercial Realty
19.00
-2.90
-13.24%
SEVN
Seven Hills Realty Trust
8.25
-3.04
-26.95%
LFT
Lument Finance Trust
1.23
-1.37
-52.75%
CHMI
Cherry Hill Mortgage
2.78
-0.36
-11.46%
GPMT
Granite Point Mortgage
1.44
-1.08
-42.77%
AOMR
Angel Oak Mortgage
8.29
-0.13
-1.57%
ACRES Commercial Realty Corporate Events
Business Operations and StrategyFinancial Disclosures
ACRES Commercial Realty Reports Q4 Results, Highlights CLO
Neutral
Mar 4, 2026
ACRES Commercial Realty Corp., a real estate investment trust specializing in commercial real estate mortgage loans and equity investments across multifamily, student housing, hospitality, industrial and office properties, reported its financial r...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.