Business Context and Reporting Period
Company: Chicago Atlantic Real Estate Finance, Inc. (REFI)
Filing Type: Form 8-K (Current Report)
Date of Report: March 12, 2026
Reporting Period: Fourth quarter and full year ended December 31, 2025
This filing announces the release of financial results for the fourth quarter and fiscal year 2025. The detailed results are contained in a press release (Exhibit 99.1) and an earnings presentation (Exhibit 99.2), which are incorporated by reference but not deemed "filed" under Section 18 of the Exchange Act.
Key Financial Metrics
The provided text serves as a cover sheet for the earnings announcement and does not contain specific numerical values for revenue, profit, cash flow, margins, debt, or liquidity. These metrics are located in the referenced Exhibit 99.1 (Press Release) and Exhibit 99.2 (Presentation), which are not included in the input text.
Material Changes
The filing text does not provide specific data regarding material changes versus prior periods. It only confirms that results for the fourth quarter and year ended December 31, 2025, have been issued.
Guidance, Outlook, and Management Commentary
- Conference Call: Management scheduled a conference call for Thursday, March 12, 2026, at 9:00 a.m. (Eastern Time) to discuss the financial results.
- Disclosure: A presentation supporting the conference call was disseminated under Regulation FD (Item 7.01).
- Guidance: No specific forward-looking guidance or outlook figures are present in the filing text itself.
Investor Verification Checklist
- Review Exhibit 99.1 (Press Release) for specific Q4 and full-year 2025 financial figures (Net Income, FFO, AFFO).
- Examine Exhibit 99.2 (Earnings Presentation) for portfolio updates, loan originations, and liquidity details.
- Verify the conference call transcript for management commentary on 2026 outlook and interest rate sensitivity.
- Confirm the status of the company's debt maturity profile and liquidity position as of December 31, 2025.