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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
10/27/2026: ACR (1-star) is currently NOT-A-BUY. Pass it for now.
Acres Commercial Realty Corp is a mortgage real estate investment trust focused on originating and managing floating-rate commercial mortgage loans, primarily for middle-market assets. The company benefits from an internalized management structure that aims to align executive incentives with those of shareholders. While its specialized lending approach allows for expert focus, the company remains subject to significant risks, including commercial real estate volatility and interest rate sensitivity. Investors should monitor the health of the underlying loan portfolio and broader commercial property market trends. The stock may suit income-focused investors who understand the credit risks inherent in the commercial mortgage sector, though past performance reflects the challenges of navigating this cyclical industry.
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 is focused on income-oriented real estate debt rather than high-growth capital appreciation. |
| Momentum investor | Weak fit | The stock lacks consistent breakout momentum typical of high-growth technology or sector-leading equities. |
| Value investor | Mixed fit | Potential value exists if the portfolio trades at a discount to book value, but credit risk remains a significant consideration. |
| Dividend investor | Mixed fit | While the company pays dividends, the sustainability is tied to interest rate environments and credit performance. |
| Low-risk investor | Weak fit | The company operates in the sensitive commercial real estate sector, which carries inherent volatility and credit risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Real estate investment trusts are highly sensitive to market sentiment and macroeconomic shifts. |
| Valuation risk | Medium / high | Fluctuations in underlying property values can significantly impact loan collateral health. |
| Competition risk (CRE lending) | High | Large, well-capitalized competitors dominate the commercial mortgage space, limiting market share growth. |
| Business quality | Medium | The company is a niche player in a complex sector requiring expert credit selection. |
| Dividend income | Medium | Dividends are variable based on net interest income and potential loan losses. |
| Execution risk | Medium | The ability to originate quality loans while managing current credit exposures is critical to performance. |
Price Behavior
Steep Decline
The stock price has dropped sharply with strong downward pressure.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
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 10/27/2026 |
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 187.29M USD | Price to earnings Ratio - | 1Y Target Price 17 |
Price to earnings Ratio - | 1Y Target Price 17 | ||
Volume (30-day avg) 53.9K shares | Beta 1.1 | 52 Weeks Range 9.91 - 24.61 | Updated Date 10/26/2026 |
52 Weeks Range 9.91 - 24.61 | Updated Date 10/26/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.09 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Commercial Mortgage Lending | Interest income from senior secured bridge loans on commercial properties. | The company acts like a bank, earning money from interest payments on loans they provide to real estate developers. |
| Portfolio Management | Active servicing and credit management of the loan portfolio. | They make money by carefully managing the loans they already own to ensure they get paid back. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-04 | When After Market | Estimate 0.07 | Actual - |
Profitability
Profit Margin 16.56% | Operating Margin (TTM) -2.19% |
Management Effectiveness
Return on Assets (TTM) 1.27% | Return on Equity (TTM) 5.46% |
Valuation
Trailing PE - | Forward PE 10.64 | Enterprise Value 2.01B | Price to Sales(TTM) 2.22 |
Enterprise Value 2.01B | Price to Sales(TTM) 2.22 | ||
Enterprise Value to Revenue 21.21 | 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 27.61 |
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.
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