COMP <GO>
REFI vs BAC // GROSS PROFIT MARGIN
Chicago Atlantic Real Estate Finance Inc. (NASDAQ) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: REFI 3
— BAC 3
■ METRIC PARITY
LAST: $8.96 (-0.88%) • MKT CAP: $229.6M
gross-margins
—
LAST: $51.14 (+0.57%) • MKT CAP: $357.61B
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (REFI VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | REFI | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 11.70% | 2.50% | +9.20 | REFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 30.2x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 12.54% | 2.10% | +10.44 | REFI | /fcf-yield <GO> |
| Operating Margin | — | 32.90% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 27.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | 6.80% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 7/9 | -4.00 | BAC | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 31.9 | 38.3 | -6.44 | BAC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.90 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 6.0x | 10.9x | -4.90 | REFI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $229.6M | $357.61B | -$357.38B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | REFI REV | BAC REV | REFI GROSS % | BAC GROSS % | REFI FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $113.10B | — | — | $28.8M | $7.52B |
| FY 2024 | $0 | $105.86B | — | — | $23.2M | -$13.57B |
| FY 2023 | $0 | $102.77B | — | — | $28.4M | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
REFI // BETA —
BAC // BETA 0.90