Lument Finance Trust, Inc. (LFT) Fair Value 2026

LFT · REIT - Mortgage ·

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

Quality Score

5.3 /10

32 fundamental signals · 4 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-28, Lument Finance Trust, Inc. (LFT) trades at $0.74, versus a $0.78 median fair value across its 4 active models — 4.6% above the current price. QOC: 5.3/10. Value Trap Risk: 0/100 (SAFE). 4/13 models active.

Key Facts

Ticker
LFT
Price
$0.74
Quality Score
5.3/10
Value Trap Risk
0/100
Models Active
4/13
Last Updated
Strength: CUCE Ensemble suggests +246.4% upside with 4% confidence
Risk: Limited model coverage (4/13) may reduce confidence

Is Lument Finance Trust, Inc. (LFT) Undervalued or Overvalued in 2026?

According to CirclFi’s 4-model valuation engine, Lument Finance Trust, Inc. (LFT) appears fairly valued as of : the median of 4 independent fair value estimates is $0.78, within 4.6% of the current price of $0.74. Estimates range from $0.11 to $2.57. LFT scores 5.3/10 on fundamental quality and 0/100 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. LFT’s +4.6% gap is narrower than that market norm, and the REIT - Mortgage sector median is +8.0%. 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 Lument Finance Trust, Inc. Stock in 2026? →

What Fair Value Does Each Model Give LFT?

4 Intrinsic Value Models vs. Current Price ($0.74)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $2.57 +246.4%
Intrinsic · High Conviction
 $0.53 -27.9%
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What Is LFT's Fair Value Range?

Spread across 4 independent models · $0.11 to $2.57

CirclFi's 4 active models place Lument Finance Trust, Inc. (LFT) between $0.11 and $2.57 per share, a spread of 317% of the median. The median of that range — $0.78 — is the fair value CirclFi publishes for LFT, against a current price of $0.74.

Low · Regime CrossHigh · CUCE
$0.11median $0.78$2.57
Where the range comes from
Most bearish modelRegime Cross-Sectional$0.11
Most bullish modelCUCE$2.57
Model agreement2 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for LFT. Treat the median as one reading among several and compare the individual models below before acting.

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

What Is Lument Finance Trust, Inc. (LFT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Lument Finance Trust, Inc. presents a highly debated valuation profile at its current price of $0.74. The median intrinsic value is estimated at $0.78 (+4.6% median upside), masking a wide model spread between the 2 bullish models and 2 bearish models. Model dispersion is worth noting: CUCE targets $2.57 (+246.4%), versus Regime Cross at $0.11 (-85.6%). This +332.1% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About LFT?

4 of 13 models are currently active for LFT. Of these, 2 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for LFT is $0.78 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does LFT Rank in REIT - Mortgage?

Among 38 REIT - Mortgage stocks, LFT ranks #35 by Quality of Company score. CirclFi's QOC score of 5.3/10 evaluates 32 fundamental signals. A score of 5.3 reflects mixed fundamentals.

Lument Finance Trust, Inc.'s positioning within the REIT - Mortgage segment means that occupancy rate plays an outsized role in fundamental analysis. The sector's unique characteristics — including development pipeline delivery — shape both the opportunity set and risk profile.

Is LFT a Value Trap?

CirclFi's Value Trap algorithm assigns LFT a score of 0/100 (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

4 of 13 models are active for Lument Finance Trust, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Lument Finance Trust, Inc. scores 5.3 out of 10 on our 32-signal quality assessment, a moderate rating that shows mixed signals across our quality framework with notable weaknesses. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +332.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every LFT 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 LFT's 4 active models, average confidence is 39%. 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 Lument Finance Trust, Inc. Stock in 2026? →

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

Which Similar REIT - Mortgage Stocks Should You Also Analyze?

11 related REIT - Mortgage stocks with 13-model coverage

TWOTwo Harbors Investment Corp.QOC 5.4CMTGClaros Mortgage Trust, Inc.QOC 5.2ACREAres Commercial Real Estate CorporationQOC 5.6RPTRithm Property Trust Inc.QOC 5.1RWTRedwood Trust, Inc.QOC 5.7KREFKKR Real Estate Finance Trust Inc.QOC 4.8MFAMFA Financial, Inc.QOC 8.1ABRArbor Realty Trust, Inc.QOC 7.2NREFNexPoint Real Estate Finance, Inc.QOC 6.8ORCOrchid Island Capital, Inc.QOC 8.6FBRTFranklin BSP Realty Trust, Inc.QOC 8.2

Read investment analysis: TWO · CMTG · ACRE · RPT · RWT · KREF · MFA · ABR · NREF · ORC · FBRT

Which Other Stocks Have a Similar Quality Score to LFT?

7 companies across all industries closest to LFT’s Quality of Company score of 5.3/10.

SRGSeritage Growth PropertiesQOC 5.3FEBOFenbo Holdings LimitedQOC 5.3PCPremium Catering (Holdings) LimitedQOC 5.3GXAIGaxos.ai Inc.QOC 5.3BSPABallston Spa Bancorp, Inc.QOC 5.3NUWENuwellis, Inc.QOC 5.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: SRG · FEBO · PC · GXAI · BSPA · NUWE · NVDA

What Else Do Investors Ask About Lument Finance Trust, Inc.’s Valuation?

What is Lument Finance Trust, Inc.'s intrinsic value in 2026?

CirclFi puts Lument Finance Trust, Inc. (LFT)'s intrinsic value at $0.78 — the median of 4 independent model estimates as of 2026-08-28, ranging from $0.11 to $2.57. The Quality of Company score is 5.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is LFT overvalued or undervalued right now?

At $0.74, 2 of 4 active models suggest LFT may be undervalued, while 2 indicate potential overvaluation. The median of all 4 fair value estimates is $0.78, within 4.6% of the current price of $0.74 — a consensus view that LFT is fairly valued. The assessment depends on which methodology best fits Lument Finance Trust, Inc.'s business model in REIT - Mortgage.

What does a Quality of Company score of 5.3 mean for LFT?

Lument Finance Trust, Inc.'s QOC of 5.3/10 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 LFT?

CirclFi analyzes LFT 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 4 of 13 are active for this stock. Read the full methodology →

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

Of the 4 models currently active on LFT, CUCE is the most bullish at $2.57 per share, and Regime Cross-Sectional is the most bearish at $0.11. CirclFi's published fair value for LFT is the median of that range, $0.78, not either extreme. The gap between the two ends equals 317% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is LFT a value trap in 2026?

Lument Finance Trust, Inc.'s Value Trap score is 0/100 (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 4-model valuation engine, Lument Finance Trust, Inc. (LFT) has a median fair value of $0.78 — within 4.6% of the current price of $0.74 — as of 2026-08-28.” Source: circlfi.com/stock/LFT/ · Methodology
Primary sources for this LFT valuation
  • Financial statements: Lument Finance Trust, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001547546) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for LFT as of ; valuations recomputed .

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