Raymond James cuts SUNS stock target to $14.50, retains outlook

Published 10/03/2025, 11:38
Raymond James cuts SUNS stock target to $14.50, retains outlook

On Monday, Raymond (NSE:RYMD) James made an adjustment to the price target for Sunrise Realty Trust (NASDAQ:SUNS), bringing it down to $14.50 from the previous $15.00, while still maintaining an Outperform rating on the stock. Currently trading at $11.1, SUNS offers a substantial 10.81% dividend yield. The decision by analyst Stephen Laws followed a detailed examination of the company’s fourth quarter results and its Form 10-K filing.

The revision in the price target came as a response to the fourth quarter earnings, which fell short of Raymond James’ expectations. According to InvestingPro data, the stock has declined over 16% in the past six months, though it remains profitable with strong fundamentals. This shortfall was attributed to the timing of new investments made late in the quarter and an increase in unfunded commitments. Despite this, Raymond James anticipates that the company’s near-term efforts will concentrate on enhancing the investment portfolio, particularly after the recent capital raised in January.

Raymond James has adjusted its estimates to account for a slower growth in the funded portfolio. This is due to the new investments that come with unfunded commitments, which are expected to be financed subsequent to origination. InvestingPro analysis shows the company maintains healthy liquidity with a current ratio of 1.56, supporting its investment strategy. The firm remains optimistic about the initial portfolio’s potential to yield above-average returns while carrying below-average attachment points. This optimism is based on the current market conditions where many competitors are not actively investing due to constraints on their balance sheets or issues with legacy portfolios.Unlock deeper insights into SUNS with InvestingPro, which offers 7 additional exclusive ProTips and comprehensive financial analysis to help inform your investment decisions.

The Outperform rating reflects Raymond James’ positive outlook on Sunrise Realty Trust’s ability to generate strong portfolio returns and the stock’s appealing valuation. Despite the slight reduction in the price target, the analyst’s commentary suggests confidence in the company’s strategic focus and future performance, with analyst targets ranging from $12.25 to $15.00.

In other recent news, Sunrise Realty Trust reported its fourth-quarter 2024 earnings, surpassing Wall Street expectations with an earnings per share (EPS) of $0.27. The company also reported a revenue of $3.4 million, aligning with its net interest income. Despite these positive earnings, the dividend was set at $0.30 per share, which was lower than Keefe, Bruyette & Woods’ estimated $0.35 due to the dilutive impact of a recent equity offering. Keefe, Bruyette & Woods maintained their Outperform rating for Sunrise Realty Trust with a $12.75 price target, reflecting optimism about the company’s investment strategy and credit profile.

Sunrise Realty Trust completed a $77 million equity raise in January 2025, which contributed to a book value per share of $13.93 after the equity raise. The company reported loan originations of $75 million in the fourth quarter, with $35 million funded as of March 1, 2025, and continued lending activities post-quarter-end. Analysts at Keefe, Bruyette & Woods anticipate that Sunrise Realty Trust’s earnings and dividends will follow an upward trend, aligned with the company’s loan origination activities. The firm’s portfolio is heavily concentrated in Florida and Texas, with 85% of loans being floating-rate, which positions it well in the current market environment.

The company expressed optimism about its strategic position in the Southern U.S. real estate market and plans to maintain a dividend of $0.30 per share for Q1 2025. Despite the mixed reactions anticipated due to the reset dividend, Sunrise Realty Trust remains focused on expanding its commercial real estate lending, capitalizing on attractive lending opportunities in these markets. The company is targeting a capital structure of 40% equity and 60% debt, with potential plans for an unsecured debt raise.

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