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St Joe Company (JOE)
NYSE:JOE

St Joe Company (JOE) AI Stock Analysis

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St Joe Company

(NYSE:JOE)

Rating:72Outperform
Price Target:
$50.00
▲(10.99%Upside)
St Joe Company's strong financial performance and positive corporate events are key strengths, supporting its stability and growth potential. However, the technical analysis indicates some resistance, and the valuation suggests that the stock might be overvalued. These factors combine to provide a balanced outlook with a moderate overall stock score.

St Joe Company (JOE) vs. SPDR S&P 500 ETF (SPY)

St Joe Company Business Overview & Revenue Model

Company DescriptionThe St. Joe Company, together with its subsidiaries, operates as a real estate development, asset management, and operating company in Northwest Florida. It operates through three segments: Residential, Hospitality, and Commercial. The Residential segment plans and develops residential communities of various sizes for homebuilders or retail consumers. It primarily sells developed homesites and parcels of entitled or undeveloped land. The Hospitality segment owns and operates a private membership club, golf courses, beach clubs, retail outlets, marinas, and other entertainment assets. This segment also engages in the hotel, food and beverage, and gulf-front vacation rental operations, as well as provides management services. The Commercial segment engages in leasing of commercial property, multi-family, a senior living community, and other assets. This segment also plans, develops, entitles, manages, and sells commercial land holdings for retail, office, hotel, senior living, multi-family, self-storage, and industrial uses; and grows and sells pulpwood, sawtimber, and other forest products. The company owns 170,000 acres of land in Northwest Florida. The St. Joe Company was incorporated in 1936 and is based in Panama City Beach, Florida.
How the Company Makes MoneySt. Joe Company generates revenue through several key streams. Primarily, it earns money from the sale and development of residential and commercial real estate properties. This includes the planning, construction, and sale of homes and commercial spaces in master-planned communities. Additionally, the company derives income from its hospitality and leisure operations, which encompass resorts, golf clubs, and marinas that generate revenue through memberships, room bookings, and related services. St. Joe also capitalizes on its vast timber holdings by selling timber and leasing land for agriculture and hunting. Strategic partnerships with other developers and local governments further enhance its revenue generation by facilitating large-scale projects and infrastructure developments.

St Joe Company Financial Statement Overview

Summary
St Joe Company exhibits strong financial health with consistent revenue growth, improved gross profit margins, and a strong balance sheet. The elimination of debt and positive cash flow trends further enhance its financial stability.
Income Statement
78
Positive
The company's income statement demonstrates solid performance with consistent revenue growth. TTM revenue increased by 4.9% compared to the previous year, showcasing a positive growth trajectory. The gross profit margin improved significantly, indicating better cost management and pricing strategies. However, the EBIT margin remained relatively stable, suggesting room for operational efficiency improvements. Net profit margin also showed a healthy increase, reflecting effective management of expenses relative to revenue growth.
Balance Sheet
82
Very Positive
The balance sheet is strong, with a notable improvement in the equity ratio, reaching 47% in TTM, which implies a robust capital structure. The company has eliminated its debt, reducing financial risk significantly. Return on Equity (ROE) is healthy at 10.7%, indicating efficient use of shareholder funds to generate profits. Overall, the balance sheet reflects financial stability and low leverage, positioning the company well in the real estate industry.
Cash Flow
75
Positive
Cash flow analysis reveals positive trends, with free cash flow growth of 48.7% in TTM, driven by strong operating cash flow. The operating cash flow to net income ratio is approximately 1.4, indicating that the company is generating ample operating cash relative to net income. The free cash flow to net income ratio also improved, reflecting enhanced cash generation capabilities. Despite previous years of negative free cash flow, recent improvements suggest a turnaround in cash flow management.
Breakdown
TTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
409.15M402.74M389.29M252.30M267.00M160.50M
Gross Profit
179.77M167.22M153.31M105.70M135.00M82.80M
EBIT
96.53M95.59M90.73M103.11M94.50M68.41M
EBITDA
180.21M141.97M129.51M84.36M112.66M57.87M
Net Income Common Stockholders
77.73M74.19M77.71M70.93M74.55M45.20M
Balance SheetCash, Cash Equivalents and Short-Term Investments
94.53M88.76M86.07M78.30M159.20M154.90M
Total Assets
1.55B1.54B1.52B1.43B1.21B1.04B
Total Debt
617.94M621.01M632.89M563.80M400.60M336.20M
Net Debt
523.40M532.25M546.83M526.10M330.40M229.40M
Total Liabilities
808.33M801.84M825.04M779.70M582.10M469.10M
Stockholders Equity
727.85M724.28M683.06M651.10M626.10M568.20M
Cash FlowFree Cash Flow
80.77M58.06M-36.12M-210.94M-41.70M-84.44M
Operating Cash Flow
109.40M107.99M103.85M48.22M111.80M37.33M
Investing Cash Flow
-42.26M-50.38M-99.14M-189.78M-196.09M-164.50M
Financing Cash Flow
-59.71M-52.07M40.76M112.46M48.57M48.61M

St Joe Company Technical Analysis

Technical Analysis Sentiment
Positive
Last Price45.05
Price Trends
50DMA
44.16
Positive
100DMA
45.51
Negative
200DMA
49.49
Negative
Market Momentum
MACD
0.12
Positive
RSI
53.03
Neutral
STOCH
70.44
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JOE, the sentiment is Positive. The current price of 45.05 is above the 20-day moving average (MA) of 44.72, above the 50-day MA of 44.16, and below the 200-day MA of 49.49, indicating a neutral trend. The MACD of 0.12 indicates Positive momentum. The RSI at 53.03 is Neutral, neither overbought nor oversold. The STOCH value of 70.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JOE.

St Joe Company Risk Analysis

St Joe Company disclosed 33 risk factors in its most recent earnings report. St Joe Company reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

St Joe Company Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
$2.41B190.13
JOJOE
72
Outperform
$2.61B33.6210.96%1.21%1.25%-4.31%
NHNHI
72
Outperform
$3.35B22.7810.56%5.01%7.44%4.23%
HHHHH
71
Outperform
$3.43B12.9310.15%82.64%
63
Neutral
$3.22B-2.06%10.81%-20.46%-1436.71%
DEDEI
61
Neutral
$2.93B45.682.49%5.26%-1.98%
61
Neutral
$2.82B10.840.42%8439.00%5.74%-20.95%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JOE
St Joe Company
45.05
-10.37
-18.71%
DEI
Douglas Emmett
14.39
1.36
10.44%
HHH
Howard Hughes Holdings
67.54
3.66
5.73%
NHI
National Health Investors
71.03
7.40
11.63%
BXMT
Blackstone Mortgage
18.75
3.36
21.83%
CURB
Curbline Properties Corp.
22.93
3.33
16.99%

St Joe Company Corporate Events

Shareholder MeetingsBusiness Operations and Strategy
St. Joe Company Shareholders Approve 2025 Incentive Plan
Positive
May 14, 2025

On May 13, 2025, The St. Joe Company held its 2025 Annual Meeting of Shareholders where the shareholders approved the 2025 Performance and Equity Incentive Plan. This approval marks a significant step in aligning the company’s strategic goals with shareholder interests, potentially impacting its operational and financial strategies moving forward.

Shareholder MeetingsBusiness Operations and StrategyFinancial Disclosures
St Joe Company Highlights Strategic Growth Plans at Meeting
Positive
May 13, 2025

The St. Joe Company presented its strategic plans at the 2025 Annual Shareholders Meeting, emphasizing its consistent business strategy of expanding its portfolio of income-producing properties and developing scalable residential communities. The company highlighted its efficient capital allocation and strong financial performance, including a steady dividend program and significant growth in net income and earnings per share. The company’s joint venture developments and strategic land holdings are positioned to drive future growth, with a focus on maintaining low overhead costs while expanding its residential, hospitality, and commercial segments.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.