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Upturn AI Summary - About
Clipper Realty Inc(CLPR)
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 CLPR
10/30/2026: CLPR (1-star) is currently NOT-A-BUY. Pass it for now.
Clipper Realty Inc is a real estate investment company focused on the ownership and management of multi-family and commercial properties in New York City. The company’s primary strength lies in its concentrated asset base and experienced management team, which historically has provided stable, income-focused returns. Its core growth opportunity rests on value-add property renovations and maintaining high occupancy in a competitive urban market. However, investors must weigh these factors against significant risks, including high debt levels, sensitivity to NYC-specific rent regulations, and interest rate volatility. The stock may best suit dividend-oriented investors who monitor the company's progress on debt management and regulatory compliance 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 | Clipper Realty is a mature asset holder rather than a high-growth technology or innovation firm. |
| Momentum investor | Weak fit | The stock typically exhibits low liquidity and lacks the volatile upward momentum required for this strategy. |
| Value investor | Mixed fit | Value investors may appreciate the discount to Net Asset Value (NAV), though debt levels must be scrutinized. |
| Dividend investor | Strong fit while signal remains positive | The company is primarily structured to provide income distributions to shareholders. |
| Low-risk investor | Mixed fit | While assets are tangible, the high leverage and NYC concentration introduce meaningful risk. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can be thin and subject to fluctuations based on interest rate sentiment. |
| Valuation risk | Medium | Real estate valuations are subject to changes in cap rates and broader market sentiment. |
| Competition risk (Commercial REIT competition) | High | The company competes with much larger, better-capitalized REITs for tenants and financing. |
| Business quality | Medium | The focus on specific urban assets provides stable but limited scalability. |
| Dividend income | Medium | Distributions depend on operating performance and sufficient cash flow after debt service. |
| Execution risk | Medium | Renovating and managing older NYC properties requires significant operational precision. |
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -28.45% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/30/2026 |
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 137.19M USD | Price to earnings Ratio - | 1Y Target Price 7.5 |
Price to earnings Ratio - | 1Y Target Price 7.5 | ||
Volume (30-day avg) 36.8K shares | Beta 0.98 | 52 Weeks Range 2.62 - 3.58 | Updated Date 11/01/2026 |
52 Weeks Range 2.62 - 3.58 | Updated Date 11/01/2026 | ||
Dividends yield (FY) 11.99% | Basic EPS (TTM) -0.94 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Residential Rentals | Monthly rents from apartments in NYC boroughs. | The bread and butter of the company, providing consistent cash flow. |
| Commercial Leasing | Office and retail space rental income. | Provides secondary income, sensitive to business cycle changes. |
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 0.04 | Actual - |
Profitability
Profit Margin -8.36% | Operating Margin (TTM) 24.88% |
Management Effectiveness
Return on Assets (TTM) 1.75% | Return on Equity (TTM) -399.9% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1.29B | Price to Sales(TTM) 0.91 |
Enterprise Value 1.29B | Price to Sales(TTM) 0.91 | ||
Enterprise Value to Revenue 8.55 | Enterprise Value to EBITDA 21.46 | Shares Outstanding 16.16M | Shares Floating 13.29M |
Shares Outstanding 16.16M | Shares Floating 13.29M | ||
Percent Insiders 20.12 | Percent Institutions 24.44 |
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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