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SACHEM CAPITAL CORP - SACH 7 1/8 06/30/27 (SCCF) Stock Fundamental Analysis

USA - NYSEARCA:SCCF - US78590A8027

23.14 USD
+0.16 (+0.7%)
Last: 9/23/2025, 4:10:03 PM
Fundamental Rating

3

SCCF 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. SCCF scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. SCCF has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SCCF had negative earnings in the past year.
In the past year SCCF had a positive cash flow from operations.
Of the past 5 years SCCF 4 years were profitable.
In the past 5 years SCCF always reported a positive cash flow from operatings.
SCCF Yearly Net Income VS EBIT VS OCF VS FCFSCCF 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

SCCF has a Return On Assets of -8.54%. This is amonst the worse of the industry: SCCF underperforms 92.54% of its industry peers.
The Return On Equity of SCCF (-24.08%) is worse than 92.54% 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
SCCF Yearly ROA, ROE, ROICSCCF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

SCCF has a worse Gross Margin (0.79%) than 89.55% of its industry peers.
SCCF's Gross Margin has declined in the last couple of years.
SCCF 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%
SCCF Yearly Profit, Operating, Gross MarginsSCCF 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

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

SCCF has an Altman-Z score of 1.93. This is not the best score and indicates that SCCF is in the grey zone with still only limited risk for bankruptcy at the moment.
SCCF has a better Altman-Z score (1.93) than 92.54% of its industry peers.
SCCF has a debt to FCF ratio of 175.42. This is a negative value and a sign of low solvency as SCCF would need 175.42 years to pay back of all of its debts.
SCCF has a Debt to FCF ratio of 175.42. This is in the lower half of the industry: SCCF underperforms 61.19% of its industry peers.
SCCF has a Debt/Equity ratio of 1.77. This is a high value indicating a heavy dependency on external financing.
SCCF's Debt to Equity ratio of 1.77 is amongst the best of the industry. SCCF outperforms 89.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 175.42
Altman-Z 1.93
ROIC/WACCN/A
WACC8.12%
SCCF Yearly LT Debt VS Equity VS FCFSCCF 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

SCCF has a Current Ratio of 1.13. This is a normal value and indicates that SCCF is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.13, SCCF belongs to the top of the industry, outperforming 88.06% of the companies in the same industry.
A Quick Ratio of 1.13 indicates that SCCF should not have too much problems paying its short term obligations.
SCCF has a Quick ratio of 1.13. This is amongst the best in the industry. SCCF outperforms 88.06% of its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
SCCF Yearly Current Assets VS Current LiabilitesSCCF 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

SCCF shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -1087.50%.
The Revenue for SCCF has decreased by -61.15% in the past year. This is quite bad
SCCF shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 22.88% yearly.
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

SCCF is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 45.11% yearly.
Based on estimates for the next years, SCCF will show a very negative growth in Revenue. The Revenue will decrease by -12.30% on average per year.
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

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
SCCF Yearly Revenue VS EstimatesSCCF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M
SCCF Yearly EPS VS EstimatesSCCF 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

SCCF reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 266.90, SCCF can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, SCCF is valued expensively inside the industry as 89.55% of the companies are valued cheaper.
SCCF is valuated expensively when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE N/A
Fwd PE 266.9
SCCF Price Earnings VS Forward Price EarningsSCCF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 50 100 150 200 250

4.2 Price Multiples

73.13% of the companies in the same industry are cheaper than SCCF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 608.92
EV/EBITDA N/A
SCCF Per share dataSCCF 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 SCCF'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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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 7.74%, SCCF is a good candidate for dividend investing.
With a Dividend Yield of 7.74, SCCF pays less dividend than the industry average, which is at 10.94. 91.04% of the companies listed in the same industry pay a better dividend than SCCF!
SCCF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 7.74%

5.2 History

The dividend of SCCF decreases each year by -2.97%.
SCCF 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 Years2
SCCF Yearly Dividends per shareSCCF Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

The earnings of SCCF are negative and hence is the payout ratio. SCCF will probably not be able to sustain this dividend level.
DP-35.76%
EPS Next 2Y45.11%
EPS Next 3YN/A
SCCF Yearly Income VS Free CF VS DividendSCCF 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 7 1/8 06/30/27

NYSEARCA:SCCF (9/23/2025, 4:10:03 PM)

23.14

+0.16 (+0.7%)

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 Cap1.10B
Analysts76.36
Price Target35.2 (52.12%)
Short Float %0%
Short Ratio0.48
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 Years2
Ex-Date09-15 2025-09-15 (0.4453125)
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)9.48%
PT rev (3m)6.27%
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 266.9
P/S 42.47
P/FCF 608.92
P/OCF 455.87
P/B 6.16
P/tB 6.19
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 1.93
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%