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SACHEM CAPITAL CORP (SACH) Stock Fundamental Analysis

NYSEARCA:SACH - NYSE Arca - US78590A1097 - REIT - Currency: USD

1  -0.02 (-1.96%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SACH. SACH was compared to 65 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. SACH has a bad profitability rating. Also its financial health evaluation is rather negative. SACH is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SACH has reported negative net income.
In the past year SACH had a positive cash flow from operations.
Of the past 5 years SACH 4 years were profitable.
In the past 5 years SACH always reported a positive cash flow from operatings.
SACH Yearly Net Income VS EBIT VS OCF VS FCFSACH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

Looking at the Return On Assets, with a value of -8.92%, SACH is doing worse than 89.23% of the companies in the same industry.
SACH's Return On Equity of -24.15% is on the low side compared to the rest of the industry. SACH is outperformed by 83.08% of its industry peers.
Industry RankSector Rank
ROA -8.92%
ROE -24.15%
ROIC N/A
ROA(3y)-1.31%
ROA(5y)0.55%
ROE(3y)-3.66%
ROE(5y)1.3%
ROIC(3y)N/A
ROIC(5y)N/A
SACH Yearly ROA, ROE, ROICSACH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

With a Gross Margin value of 21.76%, SACH is not doing good in the industry: 61.54% of the companies in the same industry are doing better.
SACH's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for SACH so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 21.76%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.78%
GM growth 5Y-22.09%
SACH Yearly Profit, Operating, Gross MarginsSACH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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3

2. Health

2.1 Basic Checks

SACH does not have a ROIC to compare to the WACC, probably because it is not profitable.
SACH has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SACH has more shares outstanding
Compared to 1 year ago, SACH has a worse debt to assets ratio.
SACH Yearly Shares OutstandingSACH Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SACH Yearly Total Debt VS Total AssetsSACH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

Based on the Altman-Z score of -0.04, we must say that SACH is in the distress zone and has some risk of bankruptcy.
SACH has a Altman-Z score (-0.04) which is comparable to the rest of the industry.
The Debt to FCF ratio of SACH is 24.48, which is on the high side as it means it would take SACH, 24.48 years of fcf income to pay off all of its debts.
With an excellent Debt to FCF ratio value of 24.48, SACH belongs to the best of the industry, outperforming 87.69% of the companies in the same industry.
A Debt/Equity ratio of 1.66 is on the high side and indicates that SACH has dependencies on debt financing.
SACH has a Debt to Equity ratio of 1.66. This is amongst the best in the industry. SACH outperforms 93.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF 24.48
Altman-Z -0.04
ROIC/WACCN/A
WACC7.19%
SACH Yearly LT Debt VS Equity VS FCFSACH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

A Current Ratio of 0.65 indicates that SACH may have some problems paying its short term obligations.
SACH's Current ratio of 0.65 is fine compared to the rest of the industry. SACH outperforms 80.00% of its industry peers.
A Quick Ratio of 0.65 indicates that SACH may have some problems paying its short term obligations.
SACH has a Quick ratio of 0.65. This is in the better half of the industry: SACH outperforms 80.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.65
Quick Ratio 0.65
SACH Yearly Current Assets VS Current LiabilitesSACH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

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3

3. Growth

3.1 Past

The earnings per share for SACH have decreased strongly by -421.43% in the last year.
Looking at the last year, SACH shows a very negative growth in Revenue. The Revenue has decreased by -45.85% in the last year.
SACH shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.88% yearly.
EPS 1Y (TTM)-421.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
Revenue 1Y (TTM)-45.85%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-33.49%

3.2 Future

Based on estimates for the next years, SACH will show a very strong growth in Earnings Per Share. The EPS will grow by 46.46% on average per year.
The Revenue is expected to decrease by -15.15% on average over the next years. This is quite bad
EPS Next Y75.95%
EPS Next 2Y46.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-26.59%
Revenue Next 2Y-15.15%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SACH Yearly Revenue VS EstimatesSACH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
SACH Yearly EPS VS EstimatesSACH Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 0.2 -0.2 0.4 -0.4 -0.6 -0.8

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5

4. Valuation

4.1 Price/Earnings Ratio

SACH reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 8.40, the valuation of SACH can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as SACH.
The average S&P500 Price/Forward Earnings ratio is at 20.81. SACH is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 8.4
SACH Price Earnings VS Forward Price EarningsSACH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, SACH is valued cheaper than 95.38% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.85
EV/EBITDA N/A
SACH Per share dataSACH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as SACH's earnings are expected to grow with 46.46% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y46.46%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 19.61%, SACH is a good candidate for dividend investing.
SACH's Dividend Yield is rather good when compared to the industry average which is at 14.03. SACH pays more dividend than 87.69% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.45, SACH pays a better dividend.
Industry RankSector Rank
Dividend Yield 19.61%

5.2 History

The dividend of SACH decreases each year by -2.97%.
SACH has been paying a dividend for over 5 years, so it has already some track record.
Dividend Growth(5Y)-2.97%
Div Incr Years0
Div Non Decr Years0
SACH Yearly Dividends per shareSACH Yearly Dividends per shareYearly Dividends per share 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

SACH has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-47.44%
EPS Next 2Y46.46%
EPS Next 3YN/A
SACH Yearly Income VS Free CF VS DividendSACH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

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SACHEM CAPITAL CORP

NYSEARCA:SACH (5/5/2025, 3:33:49 PM)

1

-0.02 (-1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)05-01 2025-05-01/bmo
Earnings (Next)08-12 2025-08-12/bmo
Inst Owners22.67%
Inst Owner Change-0.43%
Ins Owners4.75%
Ins Owner Change15.68%
Market Cap47.31M
Analysts76.36
Price Target1.91 (91%)
Short Float %4.07%
Short Ratio5.19
Dividend
Industry RankSector Rank
Dividend Yield 19.61%
Yearly Dividend0.44
Dividend Growth(5Y)-2.97%
DP-47.44%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-17 2025-03-17 (0.05)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-267.38%
Min EPS beat(2)-492.16%
Max EPS beat(2)-42.6%
EPS beat(4)0
Avg EPS beat(4)-199.39%
Min EPS beat(4)-492.16%
Max EPS beat(4)-23.48%
EPS beat(8)2
Avg EPS beat(8)-116.97%
EPS beat(12)4
Avg EPS beat(12)-77.55%
EPS beat(16)5
Avg EPS beat(16)-58.34%
Revenue beat(2)0
Avg Revenue beat(2)-14.61%
Min Revenue beat(2)-27.15%
Max Revenue beat(2)-2.07%
Revenue beat(4)0
Avg Revenue beat(4)-9.04%
Min Revenue beat(4)-27.15%
Max Revenue beat(4)-2.07%
Revenue beat(8)2
Avg Revenue beat(8)-1.98%
Revenue beat(12)5
Avg Revenue beat(12)-0.27%
Revenue beat(16)9
Avg Revenue beat(16)3.63%
PT rev (1m)-10%
PT rev (3m)-19.64%
EPS NQ rev (1m)-300%
EPS NQ rev (3m)-300%
EPS NY rev (1m)-215.42%
EPS NY rev (3m)-215.42%
Revenue NQ rev (1m)-21.39%
Revenue NQ rev (3m)-21.39%
Revenue NY rev (1m)-22.58%
Revenue NY rev (3m)-22.58%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 8.4
P/S 1.33
P/FCF 3.85
P/OCF 3.67
P/B 0.26
P/tB 0.26
EV/EBITDA N/A
EPS(TTM)-0.9
EYN/A
EPS(NY)0.12
Fwd EY11.9%
FCF(TTM)0.26
FCFY26.01%
OCF(TTM)0.27
OCFY27.25%
SpS0.75
BVpS3.84
TBVpS3.82
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -8.92%
ROE -24.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 21.76%
FCFM 34.63%
ROA(3y)-1.31%
ROA(5y)0.55%
ROE(3y)-3.66%
ROE(5y)1.3%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-30.78%
GM growth 5Y-22.09%
F-Score3
Asset Turnover0.07
Health
Industry RankSector Rank
Debt/Equity 1.66
Debt/FCF 24.48
Debt/EBITDA N/A
Cap/Depr 157.8%
Cap/Sales 1.65%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.65
Quick Ratio 0.65
Altman-Z -0.04
F-Score3
WACC7.19%
ROIC/WACCN/A
Cap/Depr(3y)599.52%
Cap/Depr(5y)1530.55%
Cap/Sales(3y)1.76%
Cap/Sales(5y)4.52%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-421.43%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-100%
EPS Next Y75.95%
EPS Next 2Y46.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-45.85%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-33.49%
Revenue Next Year-26.59%
Revenue Next 2Y-15.15%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-336.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1562.29%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-43.11%
FCF growth 3Y-22.08%
FCF growth 5Y13.23%
OCF growth 1Y-41.02%
OCF growth 3Y-22.86%
OCF growth 5Y9.68%