NASDAQ$REFI
Chicago Atlantic Real Estate Finance Inc · Q1 2025 earnings
Q1 2025 earnings · · Before market open · Investor relations
Briefing
Chicago Atlantic Real Estate Finance reported Q1 2025 net interest income of $13.0M with net income of $10.0M and diluted EPS of $0.48.
Interest income was $15.1 million while interest expense was $2.1 million, yielding net interest income of $13.0 million. Net income was $10.0 million; diluted EPS was $0.48. The cannabis-focused mortgage REIT portfolio mix shifted toward more fixed-rate loans.
- Q1 interest income $15.1M.
- Net income $10.0M; diluted EPS $0.48.
- Portfolio weighted-average YTM IRR about 16.9%.
- Cannabis credit and rates affect origination pace.
Headline financials
Revenue & EPS history
Chicago Atlantic · Revenue · Quarterly
$13M
Forward guidance
Real estate and finance outlook focuses on rates, portfolio yield, and asset values.
Tailwinds
- Portfolio yield and origination pipeline.
- Balance-sheet flexibility.
Headwinds
- Interest-rate and credit spread moves.
- Sector-specific regulatory or occupancy risk.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q1 2025
-0.1%
Avg return
Earnings day
+0.3%
Avg return
5 days after
-0.5%
Avg return
30 days after
32%
6 / 19 earnings
Positive
+11.1%
Q3 2022
Best reaction
-5.6%
Q4 2022
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -5.1% | -7.2% | -8.0% | |
| Q4 2025 | -0.3% | +2.7% | -5.3% | |
| Q3 2025 | -2.3% | +0.4% | -1.1% | |
| Q1 2025 | +0.4% | +2.8% | -1.6% | |
| Q4 2024 | -3.5% | -2.2% | -15.1% | |
| Q3 2024 | +1.5% | +0.4% | +2.8% | |
| Q2 2024 | -1.4% | -2.5% | +1.4% | |
| Q1 2024 | -2.4% | -1.4% | -1.9% | |
| Q4 2023 | -1.1% | -1.0% | -4.4% | |
| Q3 2023 | +0.5% | +0.3% | +4.0% | |
| Q2 2023 | -1.7% | -3.4% | -1.2% | |
| Q1 2023 | +3.8% | +1.3% | +8.4% | |
| Q4 2022 | -5.6% | -8.5% | -3.6% | |
| Q3 2021 | +11.1% | +11.5% | +13.4% | |
| Q3 2022 | +11.1% | +11.5% | +13.4% | |
| Q2 2022 | -2.8% | +0.5% | -5.2% | |
| Q1 2022 | +0.0% | -1.6% | +4.0% | |
| Q2 2021 | -3.4% | -1.8% | -12.2% | |
| Q4 2021 | -0.2% | +3.3% | +2.9% |
Discussion
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