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Lument Finance Trust Inc(LFT)
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 LFT
09/15/2026: LFT (1-star) is currently NOT-A-BUY. Pass it for now.
Lument Finance Trust Inc is a commercial mortgage REIT that focuses on originating and investing in floating-rate transitional multifamily loans. Its primary strength lies in its specialized multifamily expertise and its connection to the Lument origination platform. The investment story centers on capturing yield from short-term debt while managing interest rate risk via floating-rate assets. However, investors face significant risks related to commercial real estate volatility, potential credit losses, and the complexities of an external management structure. LFT may suit income-focused investors who can tolerate the higher volatility inherent in small-cap mortgage REITs and should monitor credit performance 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 is structured as a yield-focused REIT rather than a high-growth operating business. |
| Momentum investor | Mixed fit | Momentum may occur during periods of sector rotation into REITs but is subject to high volatility. |
| Value investor | Mixed fit | Value investors may be attracted to discounts to book value, though credit risks must be scrutinized. |
| Dividend investor | Strong fit | The REIT structure and focus on mortgage interest income make it a candidate for income-oriented portfolios. |
| Low-risk investor | Weak fit | High leverage and sensitivity to real estate cycles create risks unsuitable for low-risk profiles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Small-cap REITs often experience significant price swings based on interest rate news. |
| Valuation risk | Medium | Trading at a discount or premium to book value is a key factor in potential returns. |
| Competition risk (CRE lending) | High | Large, well-capitalized REITs can underprice LFT in competitive loan originations. |
| Business quality | Medium | Reliance on external management and leveraged structures limits the company's intrinsic quality. |
| Dividend income | Medium / high | Dividends are subject to the performance of the loan portfolio and can be adjusted by the board. |
| Execution risk | Medium | Success depends on the accurate underwriting of transitional multifamily projects. |
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 -39.39% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2026 |
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 34.38M USD | Price to earnings Ratio - | 1Y Target Price 2.75 |
Price to earnings Ratio - | 1Y Target Price 2.75 | ||
Volume (30-day avg) 18.1K shares | Beta 0.64 | 52 Weeks Range 5.80 - 19.59 | Updated Date 09/15/2026 |
52 Weeks Range 5.80 - 19.59 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 24.02% | Basic EPS (TTM) -3.5 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | The spread between interest earned on commercial mortgage loans and interest paid on debt obligations. | The company makes money by lending at higher rates than it pays to borrow funds. |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 964.25M | Price to Sales(TTM) 7.96 |
Enterprise Value 964.25M | Price to Sales(TTM) 7.96 | ||
Enterprise Value to Revenue 46.57 | Enterprise Value to EBITDA - | Shares Outstanding 5.25M | Shares Floating 2.70M |
Shares Outstanding 5.25M | Shares Floating 2.70M | ||
Percent Insiders 14.81 | Percent Institutions 46.44 |
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 Lument Finance Trust Inc
Exchange NYSE | Headquarters New York, NY, United States | ||
IPO Launch date 2013-03-22 | CEO & Chairman of the Board Mr. James Peter Flynn J.D. | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees - | Website https://lumentfinancetrust.com |
Full time employees - | Website https://lumentfinancetrust.com | ||
Lument Finance Trust, Inc., a real estate investment trust, focuses on investing in, originating, financing, and managing a portfolio of commercial real estate (CRE) debt investments in the United States. It primarily invests in transitional floating rate CRE mortgage loans on middle market multi-family assets and other CRE-related investments, including mezzanine loans, preferred equity, commercial mortgage-backed securities, fixed rate loans, construction loans, and other CRE debt instruments. The company is qualified as a real estate investment trust under the Internal Revenue Code of 1986. As a REIT, it would not be subject to federal income taxes if it distributes at least 90% of its taxable income to its stockholders. The company was formerly known as Hunt Companies Finance Trust, Inc. and changed its name to Lument Finance Trust, Inc. in December 2020. Lument Finance Trust, Inc. was incorporated in 2012 and is headquartered in New York, New York.
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