Chicago Atlantic Real Estate Finance Announces Fourth Quarter 2025 Financial Results

About this update from Chicago Atlantic Real Estate Finance, Inc.

[{"type":"text","content":"CHICAGO, March 12, 2026 (GLOBE NEWSWIRE) -- Chicago Atlantic Real Estate Finance, Inc. (NASDAQ: REFI) (“Chicago Atlantic” or the “Company”), a commercial mortgage real estate investment trust, today announced its results for the fourth quarter and year ended December 31, 2025. Peter Sack, Co-Chief Executive Officer, noted, “We completed 2025 on a strong note with new originations leading to net portfolio growth for the year and potential regulatory relief improving equity valuations and sentiment among our borrowers. While the financial services and private credit sectors face ongoing challenges with credit quality, a declining interest rate environment, and overcrowding and overlap on certain types of borrowers, we believe our performance stands in sharp relief. Chicago Atlantic continues to focus on strong operators, the right states, and an underwriting discipline that stresses protection of collateral and returns to shareholders above all else. At year end, over 90% of our portfolio remained protected from additional interest rate declines with either fixed rates, or floating rates with floors at or above the prevailing Prime rate, enabling us to generate a consistent weighted average portfolio yield. As we look ahead to 2026, we are encouraged by the strength in our platform’s new investment pipeline that has increased to $616 million, and the growing demand from operators for growth capital. With a few potential regulatory actions being evaluated by the federal government, we expect the coming year could be one of the more important periods in the history of the company.” Quarterly Results of Operations For the three months ended December 31, 2025 September 30, 2025 December 31, 2024 Total Amount Per Share Total Amount Per Share Total Amount Per Share OPERATING RESULTS Net interest income $14,238,203 $0.66 $13,685,274 $0.64 $14,068,376 $0.69 Total expenses before provision for expected credit losses $5,981,137 $0.28 $4,193,515 $0.20 $5,682,193 $0.28 Net income $8,157,249 $0.38 $8,934,539 $0.42 $7,919,692 $0.39 (Benefit) provision for current expected credit losses $99,817 $0.00 $557,220 $0.03 $301,491 $0.01 Distributable earnings – basic $9,251,310 $0.44 $10,522,142 $0.50 $9,214,434 $0.47 Distributable earnings – diluted $9,251,310 $0.43 $10,522,142 $0.49 $9,214,434 $0.46 Diluted weighted average shares of common stock out...

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