Is LFT or LTC more undervalued in 2026?

CirclFi compares Lument Finance Trust, Inc. (LFT) and LTC Properties, Inc. (LTC) using 13 institutional-grade valuation models. LFT has a Quality of Company score of 4.3/10 while LTC scores 7.9/10.

Which is a better buy — LFT or LTC?

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 LTC valuations compare?

LFT at $1.05 and LTC at $37.41 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

LFT vs LTC 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

LTC

Real Estate Investment Trusts

LTC Properties, Inc.

Quality

7.9

out of 10

Value Trap

SAFE

Price

$37.41

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	LFT Fair Value	LFT Upside	LTC Fair Value	LTC Upside
Bayesian DCF	Intrinsic	$1.77	+65.6%	$7.39	-80.2%
Earnings Power Value	Intrinsic	—	—	$18.04	-51.8%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$5.90	+461.5%	$29.32	-21.6%
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 LTC — Which Stock Is More Undervalued?

LTC scores higher with a 7.9/10 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 LTC Properties, Inc. (LTC) 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 LTC trades at $37.41 with a QOC of 7.9/10.

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).