Clipper Realty (CLPR) AI Stock Analysis

• Market Cap: $54.41M
• Dividend Yield: 11.34%
• Average Volume (3M): 63.06K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.46
• Revenue Growth: 5.90%
• EPS Growth: -322.37%
• Country: US
• Employees: 171
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Residential
• EPS (TTM): -0.14
• Shares Outstanding: 16,146,545
• 10 Day Avg. Volume: 69,346
• 30 Day Avg. Volume: 63,056
• PEG Ratio: 0.54
• Price to Book (P/B): -13.64
• Price to Sales (P/S): 0.50
• P/FCF Ratio: 2.32
• Enterprise Value/Market Cap: 22.73
• Enterprise Value/Revenue: 8.02
• Enterprise Value/Gross Profit: 14.29
• Enterprise Value/Ebitda: 33.88
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): $152.50M

• Rating: 50 Neutral
• Price Target: $3.50 ▼(-16.47% Downside)

Clipper Realty's overall score reflects significant financial challenges, including negative profitability and high leverage, despite strong revenue growth and cash flow generation. The technical indicators suggest bearish momentum, while the high dividend yield provides some appeal. Recent corporate events and earnings call insights show positive developments but also underline ongoing risks.

Positive Factors

Operational Efficiency

A strong gross profit margin indicates effective cost management, which can support profitability and competitive positioning in the long term.

Cash Generation

Efficient cash generation relative to losses suggests resilience in operations, providing liquidity to manage obligations and invest in growth.

Strategic Refinancing

The refinancing enhances financial position, reducing interest costs and providing additional liquidity, which can support long-term asset management.

Negative Factors

Financial Leverage

High leverage and negative equity signal financial instability, limiting flexibility and increasing risk of financial distress over time.

Loan Default Risk

The loan default increases foreclosure risk and asset sale pressure, potentially destabilizing operations and affecting long-term asset value.

Declining Free Cash Flow

Declining free cash flow growth limits reinvestment capacity and financial flexibility, potentially hindering future growth and operational stability.

Clipper Realty Business Overview & Revenue Model

Company Description

Clipper Realty Inc. is a publicly traded real estate investment trust (REIT) focused on owning, operating, and developing multifamily residential properties in the New York City metropolitan area. The company specializes in acquiring and managing high-quality residential assets, aiming to provide attractive living spaces that cater to the diverse needs of urban residents. Clipper Realty's portfolio includes a mix of properties that target various market segments, contributing to its strategic position within the competitive real estate market.

How the Company Makes Money

Clipper Realty generates revenue primarily through rental income derived from its multifamily residential properties. The company leases its apartment units to tenants, providing a steady stream of cash flow. In addition to base rental income, Clipper Realty may also earn revenue from ancillary services and fees related to property management and leasing activities. The company's revenue model is bolstered by its focus on operational efficiency and tenant satisfaction, which helps maintain high occupancy rates and reduce turnover costs. Furthermore, strategic partnerships with local service providers and real estate professionals can enhance its market presence and lead to potential acquisition opportunities that expand its portfolio and revenue base.

Clipper Realty Financial Statement Overview

Summary

Clipper Realty faces challenges with profitability and financial stability. While revenue and gross profit margins are relatively strong, the company struggles with net losses and high leverage. Cash flow generation remains a positive aspect, but declining free cash flow growth is a concern. The company needs to address its financial leverage and improve profitability to enhance its financial health.

Income Statement

Clipper Realty's income statement shows a mixed performance. The TTM (Trailing-Twelve-Months) gross profit margin is strong at 62.12%, indicating efficient cost management. However, the net profit margin is negative at -10.40%, reflecting ongoing losses. Revenue growth is modest at 4.9% TTM, but EBIT and EBITDA margins have declined significantly compared to previous years, suggesting pressure on operational efficiency.

Balance Sheet

The balance sheet reveals significant financial leverage with a negative stockholders' equity, resulting in an undefined debt-to-equity ratio for TTM. The return on equity is also negative, indicating that the company is not generating profits from its equity base. The equity ratio is negative due to negative equity, highlighting financial instability.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth at -30.24% TTM, which is concerning. However, the operating cash flow to net income ratio is strong, indicating that the company generates cash efficiently relative to its reported losses. The free cash flow to net income ratio is positive, suggesting some resilience in cash generation despite net losses.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	154.18M	148.78M	138.21M	129.75M	122.73M	122.85M
Gross Profit	86.56M	84.84M	75.64M	67.88M	63.28M	64.66M
EBITDA	36.51M	70.42M	58.24M	54.62M	47.03M	54.54M
Net Income	-16.03M	-2.50M	-5.90M	-4.76M	-7.59M	-4.91M
Balance Sheet
Total Assets	1.24B	1.29B	1.25B	1.23B	1.23B	1.21B
Cash, Cash Equivalents and Short-Term Investments	26.05M	19.90M	22.16M	18.15M	34.52M	72.06M
Total Debt	1.27B	1.27B	1.21B	1.16B	1.13B	1.08B
Total Liabilities	1.30B	1.30B	1.24B	1.19B	1.16B	1.10B
Stockholders Equity	-25.03M	-5.41M	2.74M	14.09M	26.51M	39.46M
Cash Flow
Free Cash Flow	11.24M	31.86M	26.18M	20.14M	-24.71M	15.99M
Operating Cash Flow	26.99M	31.86M	26.18M	20.14M	10.82M	15.99M
Investing Cash Flow	1.20M	-68.78M	-41.36M	-51.48M	-77.94M	-31.71M
Financing Cash Flow	-7.63M	38.75M	20.73M	9.78M	30.31M	47.82M

Clipper Realty Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 4.19
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CLPR, the sentiment is Negative. The current price of 4.19 is above the 20-day moving average (MA) of 3.48, above the 50-day MA of 3.65, and above the 200-day MA of 3.70, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 38.29 is Neutral, neither overbought nor oversold. The STOCH value of 13.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CLPR.

Clipper Realty Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
CSR	59 Neutral	$1.18B	50.61	4.30%	4.58%	36.82%	―
BRT	52 Neutral	$275.03M	-27.42	-4.89%	6.98%	1.62%	11.38%
SUNS	52 Neutral	$133.40M	8.99	8.33%	12.97%	―	―
NXRT	51 Neutral	$741.35M	-15.20	-12.63%	7.06%	-4.46%	-206.19%
CLPR	50 Neutral	$54.41M	-3.00	―	11.34%	5.90%	-322.37%

Clipper Realty Corporate Events

Clipper Realty Secures $84.5M Loan for Brooklyn Property

On October 1, 2025, Clipper Realty‘s subsidiary, 1010 Pacific Owner LLC, entered into a new Loan Agreement with Citi Real Estate Funding Inc. and Morgan Stanley Bank, securing an $84.5 million loan for its Brooklyn property. This refinancing allowed 1010 Pacific to repay its previous $80 million mortgage with Valley National Bank, incurring no fees for the termination but approximately $1.7 million in closing costs and prepaid interest. The company received net proceeds of about $2.1 million, enhancing its financial position.