Income Opportunity Realty Investors, Inc. (IOR) Fair Value 2026

IOR · Mortgage Finance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.1 /10

32 fundamental signals · 3 models active

Value Trap Risk

SAFE (17/100)

Quick Summary — As of 2026-08-28, Income Opportunity Realty Investors, Inc. (IOR) trades at $20.02, versus a $11.14 median fair value across its 3 active models — 44.4% below the current price. QOC: 6.1/10. Value Trap Risk: 17/100 (SAFE). 3/13 models active.

Key Facts

Ticker
IOR
Price
$20.02
Quality Score
6.1/10
Value Trap Risk
17/100
Models Active
3/13
Last Updated
Strength: 3 independent models provide multi-angle coverage
Risk: Majority of models suggest overvaluation

Is Income Opportunity Realty Investors, Inc. (IOR) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Income Opportunity Realty Investors, Inc. (IOR) appears overvalued as of : the median of 3 independent fair value estimates is $11.14, 44.4% below the current price of $20.02. Estimates range from $8.72 to $15.70. IOR scores 6.1/10 on fundamental quality and 17/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. IOR’s -44.4% gap is wider than that market norm. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Income Opportunity Realty Investors, Inc. Stock in 2026? →

What Fair Value Does Each Model Give IOR?

3 Intrinsic Value Models vs. Current Price ($20.02)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $11.14 -44.4%
Asset-Based · Medium Conviction
 $15.70 -21.6%
Relative · Low Conviction
 $8.72 -56.5%

All Models Active

All 3 models are displayed above.

What Is IOR's Fair Value Range?

Spread across 3 independent models · $8.72 to $15.70

CirclFi's 3 active models place Income Opportunity Realty Investors, Inc. (IOR) between $8.72 and $15.70 per share, a spread of 63% of the median. The median of that range — $11.14 — is the fair value CirclFi publishes for IOR, against a current price of $20.02.

Low · Regime CrossHigh · Dynamic NAV
$8.72median $11.14$15.70
Where the range comes from
Most bearish modelRegime Cross-Sectional$8.72
Most bullish modelDynamic NAV$15.70
Model agreement0 bullish · 3 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on IOR, not a CirclFi price target. How each model works →

What Is Income Opportunity Realty Investors, Inc. (IOR) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Income Opportunity Realty Investors, Inc.'s intrinsic value is estimated at $11.14. Trading at its current price of $20.02, the valuation engine raises significant caution: 3 of 3 models flag downside risk, projecting a median implied return of -44.4%. The most optimistic model, Dynamic NAV, places fair value at $15.70 (-21.6%), while Regime Cross — the most conservative — estimates $8.72 (-56.5%). This +34.9% gap reflects genuine analytical uncertainty about Income Opportunity Realty Investors, Inc.'s intrinsic worth.

What Do the Models Say About IOR?

3 of 13 models are currently active for IOR. All 3 active models suggest the stock trades above fair value. Taken together, their median fair value for IOR is $11.14 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does IOR Rank in Mortgage Finance?

Among 16 Mortgage Finance stocks, IOR ranks #7 by Quality of Company score. CirclFi's QOC score of 6.1/10 evaluates 32 fundamental signals. A score of 6.1 indicates above-average quality.

Income Opportunity Realty Investors, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.

Is IOR a Value Trap?

CirclFi's Value Trap algorithm assigns IOR a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Income Opportunity Realty Investors, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Income Opportunity Realty Investors, Inc. earns a quality score of 6.1/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +34.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every IOR valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across IOR's 3 active models, average confidence is 23%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Income Opportunity Realty Investors, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Mortgage Finance Stocks Should You Also Analyze?

11 related Mortgage Finance stocks with 13-model coverage

GHIGreystone Housing Impact Investors LPQOC 6.1CNFCNFinance Holdings LimitedQOC 5.9ONITOnity Group Inc.QOC 6.4UWMCUWM Holdings CorporationQOC 5.7PFSIPennyMac Financial Services, Inc.QOC 6.5MMCPMag Mile Capital, Inc.QOC 5.6WDWalker & Dunlop, Inc.QOC 5.4RKTRocket Companies, Inc.QOC 4.3FNMAFederal National Mortgage AssociationQOC 7.0VELVelocity Financial, Inc.QOC 8.8FMCCFederal Home Loan Mortgage CorporationQOC 7.3

Read investment analysis: GHI · CNF · ONIT · UWMC · PFSI · MMCP · WD · RKT · FNMA · VEL · FMCC

Which Other Stocks Have a Similar Quality Score to IOR?

7 companies across all industries closest to IOR’s Quality of Company score of 6.1/10.

SUGPSU Group Holdings LimitedQOC 6.1VODVodafone Group Public Limited CompanyQOC 6.1RPIDRapid Micro Biosystems, Inc.QOC 6.1NXPLNextPlat CorpQOC 6.1RANDRand Capital CorporationQOC 6.1NMTCNeuroOne Medical Technologies CorporationQOC 6.1NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SUGP · VOD · RPID · NXPL · RAND · NMTC · NVDA

What Else Do Investors Ask About Income Opportunity Realty Investors, Inc.’s Valuation?

What is Income Opportunity Realty Investors, Inc.'s intrinsic value in 2026?

CirclFi puts Income Opportunity Realty Investors, Inc. (IOR)'s intrinsic value at $11.14 — the median of 3 independent model estimates as of 2026-08-28, ranging from $8.72 to $15.70. The Quality of Company score is 6.1/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is IOR overvalued or undervalued right now?

At $20.02, 0 of 3 active models suggest IOR may be undervalued, while 3 indicate potential overvaluation. The median of all 3 fair value estimates is $11.14, 44.4% below the current price of $20.02 — a consensus view that IOR is overvalued. The assessment depends on which methodology best fits Income Opportunity Realty Investors, Inc.'s business model in Mortgage Finance.

What does a Quality of Company score of 6.1 mean for IOR?

Income Opportunity Realty Investors, Inc.'s QOC of 6.1/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on IOR?

CirclFi analyzes IOR with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on IOR?

Of the 3 models currently active on IOR, Dynamic NAV is the most bullish at $15.70 per share, and Regime Cross-Sectional is the most bearish at $8.72. CirclFi's published fair value for IOR is the median of that range, $11.14, not either extreme. The gap between the two ends equals 63% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is IOR a value trap in 2026?

Income Opportunity Realty Investors, Inc.'s Value Trap score is 17/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Income Opportunity Realty Investors, Inc. (IOR) has a median fair value of $11.14 — 44.4% below the current price of $20.02 — as of 2026-08-28.” Source: circlfi.com/stock/IOR/ · Methodology
Primary sources for this IOR valuation

Market data for IOR as of ; valuations recomputed .