Sunrise Realty Trust, Inc. · NASDAQ:SUNS
Sunrise Realty Trust — Q3 2025 Earnings Presentation
20 slides from Sunrise Realty Trust's earnings presentation, Nov 13, 2025
Slide 1: Investor Presentation
NASDAQ:SUNS | INVESTOR PRESENTATION A TCG Company
Slide 2: Disclaimers
NASDAQ:SUNS | INVESTOR PRESENTATION DISCLAIMERS Some of the statements contained in this presentation constitute forward-looking statements, within the meaning of the Private Securities Litigation Reform Act of 1995, and we intend such statements to be covered by the safe harbor provisions contained
Slide 3: Disclaimers: Important Notices
NASDAQ:SUNS | INVESTOR PRESENTATION DISCLAIMERS Important Notices This presentation is by Sunrise Realty Trust, Inc. (“Sunrise Realty Trust”, “SUNS” or the “Company”), a publicly-traded company that intends to elect REIT status for federal income tax purposes commencing with the taxable year ended D
Slide 4: Company Overview
NASDAQ:SUNS | INVESTOR PRESENTATION COMPANY OVERVIEW Sunrise Realty Trust (Nasdaq: SUNS) is an SUNS KEY METRICS institutional lender that originates and funds loans to sponsors of commercial real estate projects primarily in the Southern United States Current Dividend Book Value Commitments Yield(
Slide 5: Investment Highlights
NASDAQ:SUNS | INVESTOR PRESENTATION INVESTMENT HIGHLIGHTS 1 with no legacy ~$65.6 billion of CRE deals sourced by SUNS Manager and its affiliates since October IDEAL 2023, only pursuing ~1.6% of deals sourced(1) assets in the VINTAGE portfolio First investments closed in Q1-24 and an active pip
Slide 6: Management Team
NASDAQ:SUNS | INVESTOR PRESENTATION MANAGEMENT TEAM LEONARD BRIAN BRANDON ROBYN GABRIEL JAMES TANNENBAUM SEDRISH HETZEL TANNENBAUM KATZ VELGOT Executive Chief Executive Chief Financial Chief Legal Chief Marketing President Chairman Officer, Director Officer, Treasurer Officer Officer 30+ YEARS EXPER
Slide 7: Market Opportunity
NASDAQ:SUNS | INVESTOR PRESENTATION MARKET OPPORTUNITY Sunrise Realty Trust is pursuing an immediately actionable opportunity with a targeted geographical focus Why CRE Debt Today(1) Why the Southern U.S.(1) High Rates & Inflation Population & Employment Migration The increase in construction, insur
Slide 8: Market Opportunity
NASDAQ:SUNS | INVESTOR PRESENTATION MARKET OPPORTUNITY Due to elevated interest rates and regional banks pulling back from the market, pricing for the types of transactions that SUNS intends to focus on has increased, while the attachment and detachment loan-to-cost ratios (“LTCs”) have decreased(1)
Slide 9: Market Opportunity
NASDAQ:SUNS | INVESTOR PRESENTATION MARKET OPPORTUNITY COVID had a material impact on U.S. migration patterns, with the Southern U.S. benefiting from increased population and employment growth, which in select key Southern cities is outpacing the rest of the U.S. Strong Population & Employment Growt
Slide 10: Investment Process
NASDAQ:SUNS | INVESTOR PRESENTATION INVESTMENT PROCESS Continuous communication across the company from deal sourcing through portfolio management SOURCING & LOAN SELECTION STRUCTURING PORTFOLIO ORIGINATION & UNDERWRITING & CLOSING MANAGEMENT Maintains a direct Employs a disciplined The invest
Slide 11: Investment Process
NASDAQ:SUNS | INVESTOR PRESENTATION INVESTMENT PROCESS SUNS takes a patient approach to investing, targeting opportunities with clear potential for value creation that meet a defined set of investment criteria Supply constrained markets with recognizable demand drivers POSITIVE Superior location wit
Slide 12: Active Pipeline
NASDAQ:SUNS | INVESTOR PRESENTATION ACTIVE PIPELINE SUNS’ relationship with its Manager, coupled with its focus on key growth markets in the Southern United States, continues to provide access to a robust and attractive investment pipeline, originated through a multi-channel network Co- REITs Lender
Slide 13: Portfolio Summary
NASDAQ:SUNS | INVESTOR PRESENTATION PORTFOLIO SUMMARY As of 11/3/2025; In $ millions unless otherwise noted Property Project Funding Loan Current % of Total Principal Cash Int. Fixed / Yield to Type Location Date Maturity Commitment Portfolio Balance Rate Floating Maturity(1) Senior mortgage loans:
Slide 14: Portfolio Composition
NASDAQ:SUNS | INVESTOR PRESENTATION PORTFOLIO COMPOSITION The SUNS portfolio primarily consists of senior floating-rate loans allocated to the residential sector in Florida and Texas, and the team plans to continue expanding the loan book across our target states while broadly maintaining current se
Slide 15: Key Takeaways
NASDAQ:SUNS | INVESTOR PRESENTATION KEY TAKEAWAYS The Right Leadership Sunrise Realty Trust is positioned to The Right Market Opportunity take advantage of converging trends The Right Strategy favoring CRE in the Southern U.S. Two Converging Trends Right Time, Place and Sunrise Realty Trust is Targe
Slide 16: Q3 2025
NASDAQ:SUNS | Q3 2025 INVESTOR PRESENTATION 16 A TCG Company
Slide 17: Third Quarter 2025 Results
NASDAQ:SUNS | INVESTOR PRESENTATION THIRD QUARTER 2025 RESULTS As of September 30, 2025 December 31, 2024 (unaudited) Assets Loans held for investment at carrying value, net $ 250,378,727 $ 130,733,630 Current expected credit loss reserve (140,523) (21,782) Loans held for investment at carrying valu
Slide 18: Third Quarter 2025 Results
NASDAQ:SUNS | INVESTOR PRESENTATION THIRD QUARTER 2025 RESULTS Unaudited Three months ended Nine months ended September 30, September 30, 2025 2024 2025 2024 Revenue Interest income $ 7,494,713 $ 3,220,930 $ 19,205,915 $ 7,226,812 Interest expense (1,438,547) (43,197) (2,857,918) (43,197) Net intere
Slide 19: Third Quarter 2025 Results
NASDAQ:SUNS | INVESTOR PRESENTATION THIRD QUARTER 2025 RESULTS Three months ended Nine months ended September 30, September 30, 2025 2024 2025 2024 Net income $ 4,054,959 $ 1,738,363 $ 10,512,710 $ 5,014,451 Adjustments to net income: Stock-based compensation expense 260,307 160,139 762,994 160,139
Slide 20: Sunrise Realty Trust
S%~ SUNRISE REALTY TRUST A TCG Company ir@theTCG.com www.SunriseRealtyTrust.com