Spoken Alpha
REFI
Chicago Atlantic Real Estate Finance, Inc.
Overview
Chicago Atlantic Real Estate Finance, Inc is a Real Estate company operating in REIT - Mortgage with a $235.7M market cap.
Most recent reported earnings: Q2 FY2026 (Aug 5, 2026).
18 earnings calls indexed on Spoken Alpha.
Behavioral analysis
Management language signature
Disclosures
Investor Relations
Extracted from Unknown source, 2026-06-21.
Transcripts
Recent earnings calls
Most recent calls indexed for this ticker. Open any call to drill into prepared remarks and Q&A.
- Q1 FY2026Earnings2026-05-0713 Q&A exchanges
- Q4 FY2025Earnings2026-03-1211 Q&A exchanges
- Q3 FY2025Earnings2025-11-0415 Q&A exchanges
- Q2 FY2025Earnings2025-08-085 Q&A exchanges
- Q1 FY2025Earnings2025-05-0713 Q&A exchanges
- Q4 FY2024Earnings2025-03-1217 Q&A exchanges
- Q3 FY2024Earnings2024-11-094 Q&A exchanges
- Q2 FY2024Earnings2024-08-077 Q&A exchanges
- Q1 FY2024Earnings2024-05-073 Q&A exchanges
- Q4 FY2023Earnings2024-03-125 Q&A exchanges
- Q3 FY2023Earnings2023-11-119 Q&A exchanges
- Q2 FY2023Earnings2023-08-099 Q&A exchanges
- Q1 FY2023Earnings2023-05-126 Q&A exchanges
- Q4 FY2022Earnings2023-03-0914 Q&A exchanges
- Q3 FY2022Earnings2022-11-127 Q&A exchanges
- Q2 FY2022Earnings2022-08-1314 Q&A exchanges
- Q1 FY2022Earnings2022-05-1415 Q&A exchanges
- Q4 FY2021Earnings2022-03-2210 Q&A exchanges
History
Earnings history
- Q2 FY20262026-08-05EPS— vs $0.44—Rev— vs ——EODHD
| Period | Reported | EPS actual | EPS consensus | EPS surprise | Revenue actual | Revenue consensus | Rev. surprise | Source |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2026 | 2026-08-05 | — | $0.44 | — | — | — | — | EODHD |
Source: EODHD. REFI reported actuals as published; sparse fields render as —.
Track Record
SampleSpoken Alpha tracks REFI's historical accountability: how often management beat consensus, how the stock reacted, and how guidance evolved across the cycle. The figures below are illustrative placeholder data generated for layout — they will be replaced with real deviation metrics, True Consensus values, and EODHD price reactions as those data layers land.
Beats consensus 10/10 quarters with 80% positive reaction rate
SampleConsistent execution against consensus with the stock following through is the cleanest signal a guidance regime is calibrated. Worth watching for the inflection where execution deteriorates relative to the bar.
Raised guidance 8 quarters in a row
SampleConsecutive raises tighten the bar quarter over quarter. Watch the most recent print for the magnitude of the beat — a smaller beat against a higher bar is the early signal that the regime is breaking.
Quarterly beats & misses
Sample| Quarter | Actual EPS | Consensus | Surprise | 1D | 5D |
|---|---|---|---|---|---|
| Q1 FY2026 | $2.36 | $1.73 | +36.5% | +4.3% | +2.0% |
| Q4 FY2026 | $2.13 | $1.62 | +31.7% | +4.8% | +6.0% |
| Q3 FY2026 | $2.14 | $1.63 | +31.1% | -0.1% | +2.7% |
| Q2 FY2026 | $2.59 | $1.91 | +35.8% | +6.1% | +9.1% |
| Q1 FY2025 | $2.62 | $1.96 | +33.7% | +7.0% | +6.2% |
| Q4 FY2025 | $2.40 | $1.91 | +25.8% | -0.7% | -0.2% |
| Q3 FY2025 | $2.25 | $1.74 | +29.4% | +6.4% | +4.5% |
| Q2 FY2025 | $2.13 | $1.75 | +21.5% | +8.8% | +9.6% |
| Q1 FY2024 | $2.52 | $2.02 | +25.0% | +8.5% | +9.9% |
| Q4 FY2024 | $2.40 | $1.83 | +30.9% | +5.7% | +6.8% |
Guidance change history
Sample- Q1 FY2026Raised2026-04-15
- Q4 FY2026Raised2026-13-15
- Q3 FY2026Raised2026-10-15
- Q2 FY2026Raised2026-07-15
- Q1 FY2025Raised2025-04-15
- Q4 FY2025Raised2025-13-15
- Q3 FY2025Raised2025-10-15
- Q2 FY2025Raised2025-07-15
Top executives
SampleSpoken Alpha builds an accountability record per executive — how the person's own guidance, language, and reactions have evolved across every call they've appeared on. The one-liners below are illustrative placeholder data pending the deviation v1 work. Click any name for the full role timeline and call appearance history.
- Anthony CappellCEO2 yr 2 mo8 callsCurrentSample
CEO since 2024 • 6/8 beats (75%) • last guidance cut Q3 FY2026
- Peter SackCEO2 yr 2 mo12 callsCurrentSample
CEO since 2024 • 7/8 beats (88%) • last guidance cut Q1 FY2026
- Phillip SilvermanCFO1 yr 2 mo15 callsCurrentSample
CFO since 2025 • 1/4 beats (25%) • guidance suspended Q3 FY2026
- David KiteCOO2 mo7 callsCurrentSample
COO since 2026 • 1/2 beats (50%) • last guidance raise Q3 FY2026
- John MazarakisExecutive Chairman8 mo11 callsCurrentSample
OTHER since 2025 • 2/4 beats (50%) • last call held guidance Q3 FY2026
- Andreas BodmeierPresident1 yr7 callsFormerSample
PRESIDENT since 2024 • 4/8 beats (50%) • last call held guidance Q3 FY2026
Peers
Other companies in Real Estate
Sector peers tracked by Spoken Alpha. Each links to the same machine-readable IR surface — earnings calls, executives, and accountability scores.
API
For developers and AI agents
The same data on this page is available as a machine-readable feed via the Spoken Alpha API. One call returns the IR URL, recent transcripts, and accountability scores for REFI.
$ curl https://api.spokenalpha.com/v1/companies/REFIFAQ
Frequently asked about REFI
Where can I find Chicago Atlantic Real Estate Finance, Inc.'s (REFI) earnings call transcripts?
Spoken Alpha indexes REFI's earnings call transcripts at https://spokenalpha.com/companies/REFI. Each call links to attributed speakers and parsed analyst Q&A. Chicago Atlantic Real Estate Finance, Inc.'s own investor relations page is at https://investors.refi.reit/.
When was Chicago Atlantic Real Estate Finance, Inc.'s most recent earnings call?
Chicago Atlantic Real Estate Finance, Inc. (REFI) held its most recent earnings call on 2026-05-07, covering fiscal Q1 2026.
What sector is REFI in?
Chicago Atlantic Real Estate Finance, Inc. (REFI) operates in the Real Estate sector (REIT - Mortgage industry).