Is PSTL or REFI more undervalued in 2026?

CirclFi compares Postal Realty Trust, Inc. (PSTL) and Chicago Atlantic Real Estate Fi (REFI) using 13 institutional-grade valuation models. PSTL has a Quality of Company score of 7.6/10 while REFI scores 8.7/10.

Which is a better buy — PSTL or REFI?

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 PSTL and REFI valuations compare?

PSTL at $23.04 and REFI at $11.37 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PSTL vs REFI Valuation Comparison 2026 — Intrinsic Value Analysis

PSTL

Real Estate Investment Trusts

Postal Realty Trust, Inc.

Quality

7.6

out of 10

Value Trap

SAFE

Price

$23.04

Last close

Models

12/13

Active

REFI

Real Estate Investment Trusts

Chicago Atlantic Real Estate Fi

Quality

8.7

out of 10

Value Trap

SAFE

Price

$11.37

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	PSTL Fair Value	PSTL Upside	REFI Fair Value	REFI Upside
Bayesian DCF	Intrinsic	$4.64	-79.8%	$20.10	+76.7%
Earnings Power Value	Intrinsic	—	—	$12.74	+12.0%
EROIC Spread	Intrinsic	$1.42	-93.9%	$13.67	+20.2%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
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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PSTL vs REFI — Which Stock Is More Undervalued?

REFI scores higher with a 8.7/10 quality rating vs PSTL's 7.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Postal Realty Trust, Inc. (PSTL) and Chicago Atlantic Real Estate Fi (REFI) 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.

PSTL currently trades at $23.04 with a QOC of 7.6/10, while REFI trades at $11.37 with a QOC of 8.7/10.

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).