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Chatham Lodging Trust (CLDT-PA) Stock Fundamental Analysis & AI Rating 2026

CLDT-PA NYSE Real Estate Investment Trusts MD CIK: 0001476045
Updated This Month • Analysis: Mar 22, 2026 • SEC Data: 2025-12-31
Combined AI Rating
HOLD
67% Confidence
STRONG AGREEMENT
HOLD
62% Conf
HOLD
72% Conf

📊 CLDT-PA Key Takeaways

Revenue: $295.1M
Net Margin: 5.1%
Free Cash Flow: $64.1M
Current Ratio: N/A
Debt/Equity: 0.46x
EPS: $0.14
AI Rating: HOLD with 62% confidence
Chatham Lodging Trust (CLDT-PA) receives a HOLD rating with 67% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $295.1M, net profit margin of 5.1%, and return on equity (ROE) of 2.0%, Chatham Lodging Trust demonstrates mixed fundamentals in the Real Estate sector. Below is our complete CLDT-PA stock analysis for 2026.

Is Chatham Lodging Trust (CLDT-PA) a Good Investment?

Claude

Chatham Lodging Trust demonstrates solid operational fundamentals with strong free cash flow generation (21.7% FCF margin) and improved profitability (net income +111.9% YoY), supported by reasonable leverage (0.46x debt/equity). However, revenue contraction (-7.0% YoY) and modest returns on equity (2.0%) indicate the company is navigating a challenging operating environment and generating limited value creation despite strong cash generation.

ChatGPT

Chatham Lodging Trust shows improving earnings quality, with net income, EPS, and operating cash flow recovering despite a 7.0% revenue decline. The balance sheet appears manageable with moderate leverage and solid interest coverage, but absolute profitability remains thin for a REIT, with low ROE and ROA limiting the strength of the fundamental case.

Why Buy Chatham Lodging Trust Stock? CLDT-PA Key Strengths

Claude
  • + Excellent free cash flow margin of 21.7% demonstrates strong cash conversion and operational discipline
  • + Net income surged 111.9% YoY with EPS growth of 275% indicating significant profit recovery
  • + Conservative leverage at 0.46x debt/equity with solid interest coverage of 5.6x provides financial flexibility
  • + Operating margin of 13.9% shows reasonable cost control despite revenue pressures
ChatGPT
  • + Net income and diluted EPS improved sharply year over year
  • + Operating cash flow and free cash flow remain positive with a strong 21.7% FCF margin
  • + Leverage looks reasonable with 0.46x debt-to-equity and 5.6x interest coverage

CLDT-PA Stock Risks: Chatham Lodging Trust Investment Risks

Claude
  • ! Revenue declined 7.0% YoY indicating softening demand in hospitality sector or competitive pressures
  • ! Very low ROE of 2.0% and ROA of 1.3% suggest poor capital efficiency despite strong cash flow
  • ! Minimal cash balance of $24.4M relative to $1.2B in assets limits financial cushion and flexibility
  • ! Net margin of 5.1% is thin for a REIT, leaving limited room for operational deterioration
ChatGPT
  • ! Revenue contraction suggests underlying lodging demand or pricing pressure
  • ! Net margin of 5.1% and ROE of 2.0% indicate weak underlying profitability
  • ! Cash balance is relatively modest compared with total debt and asset base

Key Metrics to Watch

Claude
  • * Revenue growth trajectory and occupancy rates in subsequent quarters
  • * Free cash flow sustainability and dividend coverage ratios
  • * Return on equity trend and capital deployment efficiency
  • * Operating margin expansion as revenue stabilizes
  • * Debt reduction progress and covenant compliance
ChatGPT
  • * Revenue growth and hotel-level operating margin trend
  • * Operating cash flow relative to interest expense and debt levels

Chatham Lodging Trust (CLDT-PA) Financial Metrics & Key Ratios

Revenue
$295.1M
Net Income
$15.1M
EPS (Diluted)
$0.14
Free Cash Flow
$64.1M
Total Assets
$1.2B
Cash Position
$24.4M

💡 AI Analyst Insight

The 21.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.

CLDT-PA Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin 13.9%
Net Margin 5.1%
ROE 2.0%
ROA 1.3%
FCF Margin 21.7%

CLDT-PA vs Real Estate Sector: How Chatham Lodging Trust Compares

How Chatham Lodging Trust compares to Real Estate sector averages

Net Margin
CLDT-PA 5.1%
vs
Sector Avg 20.0%
CLDT-PA Sector
ROE
CLDT-PA 2.0%
vs
Sector Avg 8.0%
CLDT-PA Sector
Current Ratio
CLDT-PA 0.0x
vs
Sector Avg 1.5x
CLDT-PA Sector
Debt/Equity
CLDT-PA 0.5x
vs
Sector Avg 1.5x
CLDT-PA Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Chatham Lodging Trust Stock Overvalued? CLDT-PA Valuation Analysis 2026

Based on fundamental analysis, Chatham Lodging Trust has mixed fundamental signals relative to the Real Estate sector in 2026.

Return on Equity
2.0%
Sector avg: 8%
Net Profit Margin
5.1%
Sector avg: 20%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.46x
Sector avg: 1.5x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Chatham Lodging Trust Balance Sheet: CLDT-PA Debt, Cash & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.46x
Debt/Assets
33.5%
Interest Coverage
5.59x
Long-term Debt
$338.9M

CLDT-PA Revenue & Earnings Growth: 5-Year Financial Trend

CLDT-PA 5-year financial data: Year 2020: Revenue $328.3M, Net Income N/A, EPS N/A. Year 2021: Revenue $328.3M, Net Income $18.7M, EPS $0.39. Year 2022: Revenue $294.9M, Net Income -$76.0M, EPS $-1.62. Year 2023: Revenue $311.1M, Net Income -$18.4M, EPS $-0.46. Year 2024: Revenue $317.2M, Net Income $9.8M, EPS $0.04.
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Chatham Lodging Trust's revenue has remained relatively flat over the 5-year period, with a 3% decline. The most recent EPS of $-0.11 indicates the company is currently unprofitable.

CLDT-PA Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
21.7%
Free cash flow / Revenue

CLDT-PA Quarterly Earnings & Performance

Quarterly financial performance data for Chatham Lodging Trust including revenue, net income, and earnings per share.
Quarter Revenue Net Income EPS
Q3 2024 $86.7M $4.3M $0.00
Q2 2024 $84.5M $1.6M $0.01
Q1 2024 $67.6M -$4.8M $-0.14

Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.

Chatham Lodging Trust Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$64.1M
Cash generated from operations
Stock Buybacks
$9.0M
Shares repurchased (TTM)
Dividends Paid
$17.6M
Returned to shareholders

CLDT-PA SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Chatham Lodging Trust (CIK: 0001476045)

📋 Recent SEC Filings

Date Form Document Action
Mar 31, 2026 DEF 14A cldt20250416_def14a.htm View →
Mar 6, 2026 8-K cldt20260305_8k.htm View →
Mar 3, 2026 4 xslF345X05/rdgdoc.xml View →
Mar 3, 2026 4 xslF345X05/rdgdoc.xml View →
Mar 3, 2026 4 xslF345X05/rdgdoc.xml View →

Frequently Asked Questions about CLDT-PA

What is the AI rating for CLDT-PA?

Chatham Lodging Trust (CLDT-PA) has a Combined AI Rating of HOLD from Claude (HOLD) and ChatGPT (HOLD) with 67% combined confidence, based on fundamental analysis of SEC EDGAR filings.

What are CLDT-PA's key strengths?

Claude: Excellent free cash flow margin of 21.7% demonstrates strong cash conversion and operational discipline. Net income surged 111.9% YoY with EPS growth of 275% indicating significant profit recovery. ChatGPT: Net income and diluted EPS improved sharply year over year. Operating cash flow and free cash flow remain positive with a strong 21.7% FCF margin.

What are the risks of investing in CLDT-PA?

Claude: Revenue declined 7.0% YoY indicating softening demand in hospitality sector or competitive pressures. Very low ROE of 2.0% and ROA of 1.3% suggest poor capital efficiency despite strong cash flow. ChatGPT: Revenue contraction suggests underlying lodging demand or pricing pressure. Net margin of 5.1% and ROE of 2.0% indicate weak underlying profitability.

What is CLDT-PA's revenue and growth?

Chatham Lodging Trust reported revenue of $295.1M.

Does CLDT-PA pay dividends?

Chatham Lodging Trust pays dividends, with $17.6M distributed to shareholders in the trailing twelve months.

Where can I find CLDT-PA SEC filings?

Official SEC filings for Chatham Lodging Trust (CIK: 0001476045) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is CLDT-PA's EPS?

Chatham Lodging Trust has a diluted EPS of $0.14.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is CLDT-PA a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Chatham Lodging Trust has a HOLD rating with 67% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is CLDT-PA stock overvalued or undervalued?

Valuation metrics for CLDT-PA: ROE of 2.0% (sector avg: 8%), net margin of 5.1% (sector avg: 20%). Compare these metrics with sector averages to assess valuation.

Should I buy CLDT-PA stock in 2026?

Our dual AI analysis gives Chatham Lodging Trust a combined HOLD rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.

What is CLDT-PA's free cash flow?

Chatham Lodging Trust's operating cash flow is $64.1M, with capital expenditures of N/A. FCF margin is 21.7%.

How does CLDT-PA compare to other Real Estate stocks?

Vs Real Estate sector averages: Net margin 5.1% (avg: 20%), ROE 2.0% (avg: 8%), current ratio N/A (avg: 1.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Mar 22, 2026 | Data as of: 2025-12-31 | Powered by Claude AI