Sachem Capital Corp. (SACH) AI Stock Analysis

Sachem Capital Corp. operates as a specialized real estate finance company that originates, underwrites, funds, services, and manages short-term loans secured by first mortgage liens on real property. Operating primarily in the Northeastern United States and Florida, the company provides financing solutions to real estate investors and property owners for the acquisition, renovation, rehabilitation, development, and improvement of residential and commercial properties. Organized as a real estate investment trust, Sachem Capital must distribute at least 90% of its taxable income annually to maintain favorable tax treatment while expanding its short-term mortgage loan portfolio.

Between FY2021 and FY2025, Sachem Capital generated a 5-year revenue CAGR of 29.2%, rising from $20.0M in FY2021 to $47.1M in FY2025, although FY2025 revenue fell 18.2% from $57.5M in FY2024. Profitability has fluctuated widely, moving from net income of -$39.6M and an operating margin of -20.4% in FY2024 to net income of $6.3M and an operating margin of 58.8% in FY2025. In the trailing twelve months, revenue was $9.6M, accompanied by an operating margin of -617.9% and a profit margin of -82.7%. For the latest quarter ended June 30, 2026, quarterly revenue fell 91.3% and quarterly earnings fell 21.4%.

As of June 30, 2026, Sachem Capital held $29.6M in cash and short-term investments against total debt of $306.3M, leaving net debt at $276.6M. Shareholders' equity was $158.8M against total assets of $472.9M, with a debt-to-equity ratio of 1.93 and a current ratio of 0.92. In FY2025, operating cash flow was $2.7M, free cash flow was $2.5M, and capital expenditures were $162,000. Cash outlays included $14.0M in dividends paid, while the company's share count expanded 55.6% over five years.

Sachem Capital has a market capitalization of $40.0M and an enterprise value of $317.4M. Its forward P/E of 18.0x is below the 23.5x median of its US-listed Real Estate peers, and its EV-to-EBITDA of 10.7x is lower than the peer median of 14.7x. Its price-to-sales multiple of 4.2x sits above the peer median of 3.7x, while price-to-book stands at 0.3x. Over the past year, the stock fell 14.5%, trailing the S&P 500 gain of 16.8%, while its 5-year return of -73.3% substantially underperformed the benchmark return of 83.0%.

Sachem Capital pays a forward annual dividend of $0.04 per share, resulting in a dividend yield of 4.80%. The company has paid dividends for 10 consecutive years, though its 5-year annualized dividend growth declined 16.1%. Its last ex-dividend date was September 15, 2026, and total dividends paid in FY2025 totaled $14.0M.

Wall Street analyst coverage consists of 1 Strong Buy and 4 Hold ratings. The mean price target is $1.20, representing an upside of 43.9% from the last close of $0.83. For the fiscal year ending December 31, 2026, analysts forecast EPS of $0.05 on revenue of $37.6M. For the following fiscal year, 2 analysts project EPS of $0.01 on revenue of $35.2M. The company beat EPS estimates in 1 of the last 4 quarters, and its next earnings date is November 4, 2026.

This page is an AI-written research summary of Sachem Capital Corp. (SACH). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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