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Upturn AI Summary - About
Acres Commercial Realty Corp(ACR)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ACR
09/28/2026: ACR (1-star) is currently NOT-A-BUY. Pass it for now.
Acres Commercial Realty Corp is a mortgage REIT primarily focused on originating and managing middle-market commercial real estate bridge loans. The company’s primary strength lies in its specialized, internalized management team and focused business model, which allows for tactical agility in the credit-sensitive lending space. Its main growth story centers on capitalizing on market demand for transitional financing within the commercial real estate sector. However, the stock faces risks from commercial property market cycles, interest rate volatility, and stiff competition from larger, better-capitalized peers. It may suit income-oriented investors comfortable with credit risk, though they should monitor loan portfolio performance and leverage levels closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature, cyclical sector with limited high-growth potential. |
| Momentum investor | Weak fit | The stock lacks consistent, strong momentum signals characteristic of high-growth technology or sector-leading plays. |
| Value investor | Mixed fit | While valuation may appear attractive, potential credit risks in the loan portfolio require careful scrutiny. |
| Dividend investor | Mixed fit | Dividend reliability is subject to the performance of the commercial real estate loan portfolio and interest rate environments. |
| Low-risk investor | Weak fit | High sensitivity to commercial real estate cycles and credit risk makes this unsuitable for conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is susceptible to sharp swings based on interest rate news and property market sentiment. |
| Valuation risk | Medium | Market pricing heavily discounts the book value based on perceived credit risk. |
| Competition risk (CRE lending) | High | Larger REITs and private debt funds have significant scale and cost-of-capital advantages. |
| Business quality | Medium | The business relies on successful underwriting and the health of the underlying commercial real estate market. |
| Dividend income | Medium | Distributions are not guaranteed and depend on the portfolio's ability to generate cash flow after expenses. |
| Execution risk | Medium | The company must effectively manage its portfolio through varying economic cycles to protect shareholder value. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 72.96% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/28/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 164.25M USD | Price to earnings Ratio - | 1Y Target Price 23 |
Price to earnings Ratio - | 1Y Target Price 23 | ||
Volume (30-day avg) 42.1K shares | Beta 1.06 | 52 Weeks Range 10.21 - 24.61 | Updated Date 09/27/2026 |
52 Weeks Range 10.21 - 24.61 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.11 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Real Estate Lending | Interest income from floating-rate bridge loans provided to property owners. | The company makes money primarily by acting as a bank for commercial property developers, earning interest on the loans provided. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE 10.64 | Enterprise Value 2.00B | Price to Sales(TTM) 1.95 |
Enterprise Value 2.00B | Price to Sales(TTM) 1.95 | ||
Enterprise Value to Revenue 21.33 | Enterprise Value to EBITDA - | Shares Outstanding 15.67M | Shares Floating 1.10M |
Shares Outstanding 15.67M | Shares Floating 1.10M | ||
Percent Insiders 37.89 | Percent Institutions 23.31 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Acres Commercial Realty Corp
Exchange NYSE | Headquarters Uniondale, NY, United States | ||
IPO Launch date 2006-02-07 | President, CEO & Director Mr. Mark Steven Fogel | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees - | Website https://www.acresreit.com |
Full time employees - | Website https://www.acresreit.com | ||
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. 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.
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