ACRES Commercial Realty Corp. Common Stock (ACR)

FairStock Score: 25/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a value investor, I start with the balance sheet and the earnings record. ACRES is a commercial mortgage REIT, so I judge it like a lender: book value, leverage, credit quality, and return on equity. At $10.13 on 2026-10-13, FairStock calculates a price-to-book of 0.17 and a negative P/E of -9.13 on EPS of -$1.11. That screams distress or distrust. The filed numbers support caution. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $21.0M and net income was -$5.0M, or diluted EPS -$1.87. Full-year FY2025 revenue was $79.9M and net income $28.0M, but revenue has drifted down from $91.1M in FY2023 to $83.5M in FY2024. FairStock's Lynch category is SLOW GROWER - Shrinking: profit -4.7% a year over four years, revenue 12.4%. The debt-to-equity ratio of 3.33 is high, typical of the sector but dangerous if credit sours. ROE of 5.46% and ROCE of 1.27% are modest, and the Piotroski F-score of 5/9 is mediocre. There is no dividend yield in the data, and the FairStock score is 25/100. The 52-week range is $9.92 to $24.61, so the market has already marked this down heavily. The only margin of safety is the 0.17 P/B, but a discount to book is not a bargain if book value is overstated or loans go bad. I would need CET1, net interest margin, and credit loss/provision details, none of which are in the provided data, before trusting the book value.

In plain English: ACRES Commercial Realty is a real estate investment trust that makes and holds mortgage loans tied to commercial property. It has been losing money recently, revenue has slipped, and it uses a lot of borrowed money, so the business looks weak. The stock price is very low compared with the value of its net assets on paper, but that low price may reflect real loan worries rather than a simple bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer