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SACHEM CAPITAL CORP - SACH 6 12/30/26 (SCCD) Stock Fundamental Analysis

USA - NYSEARCA:SCCD - US78590A6047

23.5812 USD
-0.27 (-1.13%)
Last: 9/19/2025, 8:04:00 PM
Fundamental Rating

3

SCCD gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. The financial health of SCCD is average, but there are quite some concerns on its profitability. SCCD does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SCCD has reported negative net income.
SCCD had a positive operating cash flow in the past year.
Of the past 5 years SCCD 4 years were profitable.
In the past 5 years SCCD always reported a positive cash flow from operatings.
SCCD Yearly Net Income VS EBIT VS OCF VS FCFSCCD 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

SCCD has a Return On Assets of -8.54%. This is amonst the worse of the industry: SCCD underperforms 96.77% of its industry peers.
SCCD's Return On Equity of -24.08% is on the low side compared to the rest of the industry. SCCD is outperformed by 96.77% of its industry peers.
Industry RankSector Rank
ROA -8.54%
ROE -24.08%
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
SCCD Yearly ROA, ROE, ROICSCCD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

SCCD has a worse Gross Margin (0.79%) than 93.55% of its industry peers.
SCCD's Gross Margin has declined in the last couple of years.
SCCD does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 0.79%
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%
SCCD Yearly Profit, Operating, Gross MarginsSCCD 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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4

2. Health

2.1 Basic Checks

SCCD does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for SCCD has been increased compared to 1 year ago.
Compared to 5 years ago, SCCD has more shares outstanding
Compared to 1 year ago, SCCD has a worse debt to assets ratio.
SCCD Yearly Shares OutstandingSCCD Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M
SCCD Yearly Total Debt VS Total AssetsSCCD 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

SCCD has an Altman-Z score of 1.98. This is not the best score and indicates that SCCD is in the grey zone with still only limited risk for bankruptcy at the moment.
SCCD has a Altman-Z score of 1.98. This is amongst the best in the industry. SCCD outperforms 96.77% of its industry peers.
The Debt to FCF ratio of SCCD is 175.42, which is on the high side as it means it would take SCCD, 175.42 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of SCCD (175.42) is worse than 62.90% of its industry peers.
A Debt/Equity ratio of 1.77 is on the high side and indicates that SCCD has dependencies on debt financing.
SCCD has a Debt to Equity ratio of 1.77. This is amongst the best in the industry. SCCD outperforms 83.87% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 175.42
Altman-Z 1.98
ROIC/WACCN/A
WACC8.12%
SCCD Yearly LT Debt VS Equity VS FCFSCCD 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 1.13 indicates that SCCD should not have too much problems paying its short term obligations.
With an excellent Current ratio value of 1.13, SCCD belongs to the best of the industry, outperforming 82.26% of the companies in the same industry.
A Quick Ratio of 1.13 indicates that SCCD should not have too much problems paying its short term obligations.
SCCD has a better Quick ratio (1.13) than 82.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
SCCD Yearly Current Assets VS Current LiabilitesSCCD 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

SCCD shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1087.50%.
The Revenue for SCCD has decreased by -61.15% in the past year. This is quite bad
Measured over the past years, SCCD shows a very strong growth in Revenue. The Revenue has been growing by 22.88% on average per year.
EPS 1Y (TTM)-1087.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.22%
Revenue 1Y (TTM)-61.15%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-28.86%

3.2 Future

Based on estimates for the next years, SCCD will show a very strong growth in Earnings Per Share. The EPS will grow by 45.11% on average per year.
SCCD is expected to show a very negative growth in Revenue. In the coming years, the Revenue will decrease by -12.30% yearly.
EPS Next Y104.04%
EPS Next 2Y45.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-28.61%
Revenue Next 2Y-12.3%
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.
SCCD Yearly Revenue VS EstimatesSCCD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
SCCD Yearly EPS VS EstimatesSCCD 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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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SCCD. In the last year negative earnings were reported.
SCCD is valuated quite expensively with a Price/Forward Earnings ratio of 271.99.
Based on the Price/Forward Earnings ratio, SCCD is valued more expensive than 93.55% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of SCCD to the average of the S&P500 Index (22.86), we can say SCCD is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 271.99
SCCD Price Earnings VS Forward Price EarningsSCCD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 100 200

4.2 Price Multiples

75.81% of the companies in the same industry are cheaper than SCCD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 620.53
EV/EBITDA N/A
SCCD Per share dataSCCD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as SCCD's earnings are expected to grow with 45.11% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y45.11%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

SCCD has a Yearly Dividend Yield of 7.74%, which is a nice return.
SCCD's Dividend Yield is comparable with the industry average which is at 10.79.
Compared to an average S&P500 Dividend Yield of 2.38, SCCD pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.74%

5.2 History

The dividend of SCCD decreases each year by -2.97%.
SCCD has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)-2.97%
Div Incr Years0
Div Non Decr Years1
SCCD Yearly Dividends per shareSCCD Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

SCCD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-35.76%
EPS Next 2Y45.11%
EPS Next 3YN/A
SCCD Yearly Income VS Free CF VS DividendSCCD 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 - SACH 6 12/30/26

NYSEARCA:SCCD (9/19/2025, 8:04:00 PM)

23.5812

-0.27 (-1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-12 2025-11-12/bmo
Inst Owners20.58%
Inst Owner ChangeN/A
Ins Owners4.84%
Ins Owner ChangeN/A
Market Cap1.12B
Analysts76.36
Price Target36.05 (52.88%)
Short Float %0.01%
Short Ratio0.24
Dividend
Industry RankSector Rank
Dividend Yield 7.74%
Yearly Dividend0.44
Dividend Growth(5Y)-2.97%
DP-35.76%
Div Incr Years0
Div Non Decr Years1
Ex-Date09-15 2025-09-15 (0.375)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)70.03%
Min EPS beat(2)40.06%
Max EPS beat(2)100%
EPS beat(4)2
Avg EPS beat(4)-98.68%
Min EPS beat(4)-492.16%
Max EPS beat(4)100%
EPS beat(8)3
Avg EPS beat(8)-96.81%
EPS beat(12)5
Avg EPS beat(12)-66.51%
EPS beat(16)7
Avg EPS beat(16)-48.79%
Revenue beat(2)0
Avg Revenue beat(2)-11.19%
Min Revenue beat(2)-15.88%
Max Revenue beat(2)-6.51%
Revenue beat(4)0
Avg Revenue beat(4)-12.9%
Min Revenue beat(4)-27.15%
Max Revenue beat(4)-2.07%
Revenue beat(8)1
Avg Revenue beat(8)-5.93%
Revenue beat(12)4
Avg Revenue beat(12)-2.31%
Revenue beat(16)7
Avg Revenue beat(16)0.74%
PT rev (1m)-4.32%
PT rev (3m)-4.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-78.95%
EPS NY rev (1m)0%
EPS NY rev (3m)116.81%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-24.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.32%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 271.99
P/S 43.28
P/FCF 620.53
P/OCF 464.56
P/B 6.27
P/tB 6.31
EV/EBITDA N/A
EPS(TTM)-0.79
EYN/A
EPS(NY)0.09
Fwd EY0.37%
FCF(TTM)0.04
FCFY0.16%
OCF(TTM)0.05
OCFY0.22%
SpS0.54
BVpS3.76
TBVpS3.74
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -8.54%
ROE -24.08%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 0.79%
FCFM 6.97%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 175.42
Debt/EBITDA N/A
Cap/Depr 144.84%
Cap/Sales 2.34%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.13
Quick Ratio 1.13
Altman-Z 1.98
F-Score3
WACC8.12%
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)-1087.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%122.22%
EPS Next Y104.04%
EPS Next 2Y45.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-61.15%
Revenue growth 3Y5.31%
Revenue growth 5Y22.88%
Sales Q2Q%-28.86%
Revenue Next Year-28.61%
Revenue Next 2Y-12.3%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-682.09%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1575.65%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-88.85%
FCF growth 3Y-22.08%
FCF growth 5Y13.23%
OCF growth 1Y-86.58%
OCF growth 3Y-22.86%
OCF growth 5Y9.68%