Sunrise Realty Trust Inc. Common Stock (SUNS)

FairStock Score: 72/100 — STEADY

Key Financials

AI Analysis

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

At the close on 2026-10-13, Sunrise Realty Trust traded at $6.42, which FairStock calculates as 0.48 times book and 6.76 times earnings. That looks cheap, but cheap is not the same as safe in a lender. In FY2025, the year ended 2025-12-31, the company reported revenue of $21.6M, net income of $12.1M, and diluted EPS of $0.93. In FY2024, revenue was $10.6M, net income was $6.9M, and diluted EPS was $1.00. Revenue nearly doubled, yet EPS slipped, meaning shareholders did not keep all the growth. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $5.8M, net income was $3.1M, and diluted EPS was $0.23, down from fiscal Q1 2026 revenue of $7.3M, net income of $4.3M, and EPS of $0.32. FairStock shows ROE of 7.11% and ROCE of 4.43%, which are modest, while debt-to-equity is 0.78. Piotroski is 4/9. The 16.42% dividend yield could be attractive if covered, but it could also signal stress. I see no durable moat; this is a spread business where underwriting and funding costs decide results. The data lacks CET1, net interest margin, and combined ratio, as well as nonaccruals, allowances and charge-offs. With only two years of filed results, there is no Lynch category and little credit history. The price may discount real risks rather than offer a clear bargain.

In plain English: Sunrise Realty Trust is a real estate lender that makes loans secured by commercial property. The business earns money, but its record is short and profits slipped in the latest filed quarter compared with the prior quarter. At $6.42, the price looks low compared with its net assets and earnings, but the very high dividend yield and limited history mean it is not clearly a safe 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)

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