कंपनी का अवलोकन
Sachem Capital Corp. operates as a specialized real estate finance entity within the United States, focusing on the origination, underwriting, funding, servicing, and management of a portfolio of short-term loans secured by first mortgage liens on real property. The company also provides non-bank loan solutions, thereby serving a specific niche in the broader real estate sector which is defined by the provision of mortgage financing to property owners. This organization is classified under the industry category of REIT - Mortgage, a designation that signifies its involvement in real estate investment trusts specifically dedicated to mortgage lending activities. In terms of scale, the company holds a market capitalization of $49.89M and generates an annual revenue of $19.28M while employing a workforce of 26 individuals. These valuation and revenue figures indicate that Sachem Capital Corp. functions as a small-cap enterprise with a focused operational footprint, suggesting a business model that relies on high-margin lending activities rather than massive volume or extensive asset bases typical of larger financial institutions.
वित्तीय स्वास्थ्य
The company reports a Trailing Twelve Months (TTM) revenue of $19.28M with a corresponding net income of $1.84M, while EBITDA data is not available in the current reporting cycle. The significant disparity between the total revenue and the net income reveals a cost structure where operating expenses consume a substantial portion of earnings before tax, leaving a profit margin of 32.7%. However, the absence of reported Free Cash Flow metrics indicates that the company's cash conversion cycle or liquidity generation details are not disclosed in the available financial statements. The gross margin stands at an exceptional 100.0%, which is characteristic of financial intermediaries that primarily facilitate lending without holding physical inventory, whereas the operating margin of 21.4% reflects the overhead costs required to manage the loan portfolio. When analyzing the balance sheet, the company holds $10.92M in cash against a total debt obligation of $277.84M, resulting in a debt-to-equity ratio of 158.82. This high leverage ratio indicates a highly leveraged balance sheet strategy typical of mortgage REITs, where the firm utilizes borrowed capital to amplify potential returns, albeit with increased sensitivity to interest rate fluctuations. The current ratio is reported at 5.59, a figure that suggests the company possesses ample short-term assets relative to its current liabilities, pointing to strong liquidity management despite the heavy debt load. Furthermore, the Return on Equity (ROE) is 3.5% and the Return on Assets (ROA) is 1.3%, metrics that reveal the management's current effectiveness in generating profits from shareholder equity and total assets respectively.
मूल्यांकन आकलन
The stock carries a Price to Earnings (P/E) ratio of 26.00 on a trailing basis, which contrasts with a forward P/E of 16.00. This substantial difference between the trailing and forward multiples implies that the market anticipates a significant expansion in earnings per share in the coming fiscal periods, suggesting a correction in current valuation levels relative to future performance expectations. The price-to-book ratio is 0.28, a metric that indicates the company is trading well below its book value, suggesting the market prices the firm's assets conservatively or that the market perceives significant risks associated with its asset quality. Additionally, the price-to-sales ratio is 2.59, and the EV/EBITDA metric is listed as N/A, providing alternative perspectives on valuation that rely on revenue generation rather than earnings power. Regarding price action, the 52-week high is $1.35 and the 52-week low is $0.80. Without a specific current share price provided in the data to calculate a precise percentage, the trading range defines the volatility envelope within which the stock has moved over the past year. The beta value is 1.14, which means the stock exhibits slightly higher volatility than the broader market, moving 14% more aggressively than the index in response to market-wide movements.
Growth & Income
The available data indicates that both the revenue growth year-over-year and earnings growth year-over-year are listed as N/A. Consequently, it is impossible to determine whether earnings are growing faster or slower than revenue based on the provided facts, as historical growth trajectories are not disclosed in the current dataset. As a dividend payer, the company offers a dividend yield of 19.2%, which is exceptionally high for a financial sector stock. However, the payout ratio stands at 500.0%, meaning the company distributes five times its reported net income as dividends. This payout level is generally unsustainable on a long-term basis when relying solely on reported earnings, suggesting the dividend may be supported by retained cash balances or that the earnings figure used does not capture the full economic reality of the business. Since specific growth rates are unavailable, the growth profile cannot be quantified, but the income profile is characterized by a high-yield distribution that exceeds the company's reported profitability.