NYSE : ACR
ACRES Commercial Realty Corp. — Financial statements
Real Estate · REIT - Mortgage · United States
Last price 12.74 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 90.14M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 134.35M | 119.15M | 157.26M | 187.47M | 126.27M | 101.03M |
| Total Interest Expense | 95.55M | 85.94M | 116.09M | 130.79M | 82.32M | 61.58M |
| Net Interest Income | 38.80M | 33.21M | 41.17M | 56.67M | 43.95M | 39.46M |
| Other Revenue | 41.07M | 46.74M | 42.32M | 34.46M | 31.22M | 10.62M |
| Revenue Before Loan Losses | 79.88M | 79.95M | 83.49M | 91.13M | 75.17M | 50.08M |
| Provision for Loan Losses | -4.54M | -7.75M | 4.79M | 10.90M | 12.29M | -21.26M |
| Revenue | 84.41M | 87.69M | 78.70M | 80.23M | 62.88M | 71.34M |
| Cost of Services Provided | 62.34M | 69.04M | 64.08M | 56.89M | 51.46M | 28.29M |
| Total Operating Expenses | 68.59M | 71.27M | 67.10M | 59.56M | 55.11M | 30.11M |
| Operating Income | 15.82M | 16.43M | 11.60M | 20.67M | 7.76M | 41.23M |
| Earnings From Equity Investments | 109.00K | -1.73M | -912.00K | |||
| EBT Excluding Unusual Items | 16.82M | 16.22M | 12.68M | 21.20M | 9.35M | 42.05M |
| Gain (Loss) on Sale of Investments | 878.00K | |||||
| Other Unusual Items | 5.84M | -460.00K | -9.01M | |||
| Pretax Income | 26.72M | 27.89M | 28.82M | 21.95M | 10.76M | 33.92M |
| Income Tax Expense | -165.00K | -83.00K | 126.00K | 97.00K | 336.00K | |
| Earnings From Continuing Ops. | 26.89M | 27.98M | 28.70M | 21.85M | 10.43M | 33.92M |
| Net Income to Company | 26.89M | 27.98M | 28.70M | 21.85M | 10.43M | 33.92M |
| Minority Interest in Earnings | -12.91M | -6.66M | 572.00K | 542.00K | 197.00K | |
| Net Income | 13.98M | 21.32M | 29.27M | 22.39M | 10.62M | 33.92M |
| Preferred Dividends & Other Adjustments | 20.69M | 21.08M | 20.14M | 19.42M | 19.42M | 15.89M |
| Net Income to Common | -6.71M | 239.00K | 9.12M | 2.97M | -8.80M | 18.04M |
| Shares Outstanding (Basic) | 6.79M | 7.13M | 7.65M | 8.42M | 8.81M | 9.74M |
| Shares Outstanding (Diluted) | 6.79M | 7.41M | 7.92M | 8.57M | 8.81M | 9.76M |
| EPS (Basic) | -0.99 | 0.03 | 1.19 | 0.35 | -1.00 | 1.85 |
| EPS (Diluted) | -0.99 | 0.03 | 1.15 | 0.35 | -1.00 | 1.85 |
| Free Cash Flow | 3.23M | 3.94M | 19.38M | 45.61M | 31.96M | 40.53M |
| Free Cash Flow Per Share | 0.47 | 0.53 | 2.44 | 5.32 | 3.63 | 4.15 |
| Operating Margin | 18.74% | 18.73% | 14.74% | 25.77% | 12.35% | 57.79% |
| Profit Margin | -7.95% | 0.27% | 11.59% | 3.70% | -13.99% | 25.28% |
| Free Cash Flow Margin | 3.82% | 4.49% | 24.62% | 56.85% | 50.82% | 56.82% |
| Effective Tax Rate | 0.44% | 0.44% | 3.12% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 41.10M | 83.77M | 56.71M | 83.45M | 66.23M | 35.50M |
| Long-Term Investments | 30.25M | 29.24M | 21.86M | 1.55M | 1.55M | 1.55M |
| Loans & Lease Receivables | 2.12B | 1.82B | 1.47B | 1.84B | 2.05B | 1.90B |
| Other Receivables | 37.99M | 30.62M | 16.94M | 12.56M | 13.28M | 9.80M |
| Property, Plant & Equipment | 19.59M | 19.87M | 20.14M | 20.16M | 20.61M | 6.35M |
| Other Intangible Assets | 5.78M | 6.22M | 6.99M | 7.88M | 8.88M | 3.88M |
| Restricted Cash | 849.00K | 2.19M | 890.00K | 8.44M | 38.58M | 248.43M |
| Other Current Assets | 93.09M | 92.72M | 204.15M | 64.52M | 55.95M | 19.21M |
| Other Long-Term Assets | 60.02M | 77.40M | 77.46M | 158.24M | 121.52M | 59.33M |
| Total Assets | 2.41B | 2.16B | 1.88B | 2.20B | 2.38B | 2.28B |
| Accounts Payable | 11.49M | 7.02M | 11.46M | 13.28M | 10.21M | 5.83M |
| Accrued Expenses | 8.63M | 7.28M | 7.85M | 9.73M | 8.00M | 7.70M |
| Current Portion of Leases | 1.78M | 1.75M | ||||
| Long-Term Debt | 1.78B | 1.54B | 1.36B | 1.68B | 1.87B | 1.81B |
| Long-Term Leases | 44.47M | 44.19M | 45.26M | 44.28M | 43.70M | 3.54M |
| Current Income Taxes Payable | 67.00K | 8.00K | 27.00K | 121.00K | 113.00K | 1.00K |
| Other Current Liabilities | 6.66M | 6.59M | 6.83M | 6.29M | 6.29M | 4.59M |
| Total Liabilities | 1.86B | 1.61B | 1.43B | 1.75B | 1.94B | 1.84B |
| Common Stock | 7.00K | 7.00K | 8.00K | 8.00K | 9.00K | 9.00K |
| Additional Paid-In Capital | 1.15B | 1.14B | 1.16B | 1.17B | 1.17B | 1.18B |
| Retained Earnings | -733.57M | -720.03M | -720.27M | -729.39M | -732.36M | -723.56M |
| Comprehensive Income & Other | -965.00K | -1.60M | -3.20M | -4.80M | -6.39M | -8.13M |
| Total Common Equity | 413.31M | 420.79M | 439.12M | 435.79M | 435.46M | 448.19M |
| Minority Interest | 136.91M | 129.80M | 10.53M | 10.42M | 5.85M | |
| Shareholders' Equity | 550.23M | 550.59M | 449.66M | 446.21M | 441.31M | 448.19M |
| Total Liabilities & Equity | 2.41B | 2.16B | 1.88B | 2.20B | 2.38B | 2.28B |
| Total Debt | 1.83B | 1.59B | 1.41B | 1.72B | 1.91B | 1.82B |
| Net Cash (Debt) | -1.79B | -1.51B | -1.35B | -1.64B | -1.84B | -1.78B |
| Net Cash Per Share | -263.42 | -203.31 | -170.21 | -191.11 | -209.32 | -182.57 |
| Filing Date Shares Outstanding | 7.08M | 6.80M | 6.88M | 7.33M | 8.10M | 8.56M |
| Total Common Shares Outstanding | 7.08M | 6.56M | 7.06M | 7.46M | 8.12M | 8.82M |
| Working Capital | 2.26B | 2.01B | 1.73B | 1.98B | 2.20B | 2.20B |
| Book Value Per Share | 58.41 | 64.16 | 62.20 | 58.40 | 53.60 | 50.84 |
| Tangible Book Value | 407.53M | 414.56M | 432.13M | 427.90M | 426.58M | 444.31M |
| Tangible Book Value Per Share | 57.60 | 63.21 | 61.21 | 57.35 | 52.50 | 50.40 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 13.98M | 21.32M | 29.27M | 22.39M | 10.62M | 33.92M |
| Depreciation & Amortization | 7.72M | 10.25M | 9.69M | 5.19M | 7.49M | 13.99M |
| Loss (Gain) From Sale of Investments | -878.00K | |||||
| Provision for Credit Losses | -4.54M | -7.75M | 4.79M | 10.90M | 12.29M | -21.26M |
| Loss (Gain) on Equity Investments | -109.00K | 1.73M | 698.00K | |||
| Stock-Based Compensation | 6.18M | 2.15M | 2.96M | 2.58M | 3.56M | 1.72M |
| Change in Accounts Payable | -370.00K | -370.00K | -4.83M | 4.54M | 3.73M | 4.06M |
| Change in Other Net Operating Assets | -4.51M | -5.25M | -3.52M | 1.11M | 2.74M | 3.65M |
| Other Operating Activities | 12.91M | 6.66M | -572.00K | -542.00K | 263.00K | 4.04M |
| Operating Cash Flow | 3.29M | 4.10M | 19.39M | 45.61M | 32.70M | 40.59M |
| Capital Expenditures | -59.00K | -165.00K | -8.00K | -741.00K | -61.00K | |
| Investment in Securities | -4.87M | -9.11M | -884.00K | 2.96M | ||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -691.60M | -334.30M | 324.42M | 184.90M | -169.09M | -364.78M |
| Other Investing Activities | 300.00K | 300.00K | 300.00K | 300.00K | 300.00K | 300.00K |
| Investing Cash Flow | -555.44M | -224.23M | 299.07M | 161.31M | -232.55M | -390.50M |
| Long-Term Debt Issued | 1.47B | 55.48M | 50.32M | 526.15M | 2.43B | |
| Total Debt Issued | 1.46B | 1.47B | 55.48M | 50.32M | 526.15M | 2.43B |
| Long-Term Debt Repaid | -1.28B | -378.10M | -244.48M | -481.32M | -1.92B | |
| Total Debt Repaid | -984.45M | -1.28B | -378.10M | -244.48M | -481.32M | -1.92B |
| Net Debt Issued (Repaid) | 476.38M | 182.92M | -322.62M | -194.16M | 44.83M | 509.07M |
| Issuance of Preferred Stock | 115.19M | |||||
| Preferred Share Repurchases | -2.16M | |||||
| Issuance of Common Stock | 2.00K | |||||
| Repurchase of Common Stock | -12.87M | -22.32M | -7.88M | -7.41M | -9.13M | -18.40M |
| Preferred Dividends Paid | -20.82M | -21.23M | -20.04M | -19.42M | -19.42M | -14.35M |
| Total Dividends Paid | -20.82M | -21.23M | -20.04M | -19.42M | -19.42M | -14.35M |
| Other Financing Activities | 106.55M | 109.10M | -35.00K | 1.14M | 4.45M | -25.41M |
| Financing Cash Flow | 549.25M | 248.48M | -352.74M | -219.85M | 20.74M | 566.10M |
| Net Cash Flow | -2.90M | 28.36M | -34.28M | -12.93M | -179.12M | 216.19M |
| Free Cash Flow | 3.23M | 3.94M | 19.38M | 45.61M | 31.96M | 40.53M |
| Free Cash Flow Margin | 3.82% | 4.49% | 24.62% | 56.85% | 50.82% | 56.82% |
| Free Cash Flow Per Share | 0.47 | 0.53 | 2.44 | 5.32 | 3.63 | 4.15 |
| Cash Interest Paid | 91.65M | 85.11M | 115.42M | 124.05M | 70.03M | 42.34M |
| Cash Income Tax Paid | 53.00K | 190.00K | 83.00K | 101.00K | 228.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 95.10M | 148.46M | 115.67M | 77.33M | 67.53M | 113.36M |
| PE Ratio | 621.19 | 12.68 | 26.05 | 6.29 | ||
| PS Ratio | 1.08 | 1.69 | 1.47 | 0.96 | 1.07 | 1.59 |
| PB Ratio | 0.22 | 0.27 | 0.26 | 0.17 | 0.15 | 0.25 |
| P/FCF Ratio | 28.26 | 37.71 | 5.97 | 1.70 | 2.11 | 2.80 |
| P/OCF Ratio | 27.76 | 36.19 | 5.97 | 1.70 | 2.06 | 2.79 |
| Debt / Equity Ratio | 3.33 | 2.89 | 3.13 | 3.86 | 4.33 | 4.06 |
| Debt / FCF Ratio | 566.97 | 404.08 | 72.54 | 37.72 | 59.79 | 44.85 |
| Net Debt / Equity Ratio | 3.25 | 2.74 | 3.00 | 3.67 | 4.18 | 3.98 |
| Net Debt / FCF Ratio | 554.23 | 382.81 | 69.61 | 35.89 | 57.72 | 43.98 |
| Quick Ratio | 76.74 | 85.44 | 58.79 | 65.80 | 86.53 | 107.38 |
| Current Ratio | 80.03 | 89.63 | 67.05 | 68.28 | 90.37 | 122.15 |
| Asset Turnover | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.04 |
| Return on Equity (ROE) | 5.46% | 5.59% | 6.41% | 4.92% | 2.34% | 8.67% |
| Return on Assets (ROA) | 1.27% | 1.38% | 1.41% | 0.96% | 0.45% | 1.72% |
| Return on Invested Capital (ROIC) | 0.65% | 0.82% | 0.57% | 0.91% | 0.33% | 2.11% |
| Earnings Yield | -7.37% | 14.36% | 25.30% | 28.95% | 15.73% | 29.93% |
| FCF Yield | 3.54% | 2.65% | 16.75% | 58.98% | 47.32% | 35.76% |
| Payout Ratio | 99.58% | 68.48% | 86.74% | 182.83% | 42.30% | |
| Buyback Yield / Dilution | 10.77% | 6.46% | 7.49% | 2.79% | 9.74% | 9.29% |
| Total Shareholder Return | 10.77% | 6.46% | 7.49% | 2.79% | 9.74% | 9.29% |