Is LFT or LOAN more undervalued in 2026?

CirclFi compares Lument Finance Trust, Inc. (LFT) and Manhattan Bridge Capital, Inc (LOAN) using 13 institutional-grade valuation models. LFT has a Quality of Company score of 4.3/10 while LOAN scores 7.7/10.

Which is a better buy — LFT or LOAN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do LFT and LOAN valuations compare?

LFT at $1.05 and LOAN at $4.22 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LFT vs LOAN Valuation Comparison 2026 — Intrinsic Value Analysis

LFT

Real Estate Investment Trusts

Lument Finance Trust, Inc.

Quality

4.3

out of 10

Value Trap

SAFE

Price

$1.05

Last close

Models

5/13

Active

LOAN

Real Estate Investment Trusts

Manhattan Bridge Capital, Inc

Quality

7.7

out of 10

Value Trap

SAFE

Price

$4.22

Last close

Models

13/13

Active

Model-by-Model Comparison

Model	Type	LFT Fair Value	LFT Upside	LOAN Fair Value	LOAN Upside
Bayesian DCF	Intrinsic	$1.77	+65.6%	$3.02	-28.4%
Earnings Power Value	Intrinsic	—	—	$3.56	-15.7%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$5.90	+461.5%	$7.94	+88.2%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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LFT vs LOAN — Which Stock Is More Undervalued?

LOAN scores higher with a 7.7/10 quality rating vs LFT's 4.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Lument Finance Trust, Inc. (LFT) and Manhattan Bridge Capital, Inc (LOAN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

LFT currently trades at $1.05 with a QOC of 4.3/10, while LOAN trades at $4.22 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).