Sachem Capital (SACH) AI Stock Analysis

• Market Cap: $50.55M
• Dividend Yield: 19.8%
• Average Volume (3M): 219.25K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.55
• Revenue Growth: -63.70%
• EPS Growth: -325.57%
• Country: US
• Employees: 28
• Sector: Real Estate
• Sector Strength: 53
• Industry: REIT - Mortgage
• EPS (TTM): 0.00
• Shares Outstanding: 47,691,120
• 10 Day Avg. Volume: 107,587
• 30 Day Avg. Volume: 219,251
• PEG Ratio: <0.01
• Price to Book (P/B): 0.35
• Price to Sales (P/S): 1.11
• P/FCF Ratio: 5.00
• Enterprise Value/Market Cap: 6.72
• Enterprise Value/Revenue: 105.25
• Enterprise Value/Gross Profit: 137.37
• Enterprise Value/Ebitda: -17.00
• 1Y Price Target: $1.23
• Price Target Upside: 16.04% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 0.06
• Revenue Forecast (FY): $46.96M

• Rating: 51 Neutral
• Price Target: $1.00 ▼(-5.66% Downside)

The score is held down primarily by weak financial performance—large losses and elevated leverage despite positive cash flow. Earnings call updates show incremental stabilization (better flexibility, lower nonperformers) but ongoing portfolio concentration and book value decline remain key risks. Technicals are broadly neutral, and valuation is supported by the very high yield but constrained by negative earnings.

Positive Factors

Business Model Diversification

The diversification through partnerships with Urbane New Haven and Shem Creek Capital enhances income stability and growth potential, reducing reliance on traditional loan origination and mitigating risk from non-performing loans.

Improved Investment Income

The significant increase in investment income from Shem Creek LLC demonstrates effective capital allocation and enhances overall revenue, providing a buffer against loan-related income volatility.

Stable Book Value

Maintaining a stable book value indicates effective management of assets and liabilities, providing confidence in the company's financial health despite revenue challenges.

Negative Factors

Net Loss

The net loss, despite stable book value, underscores profitability challenges, necessitating improved operational efficiency and revenue generation to achieve financial sustainability.

Increase in Non-Performing Loans

Rising non-performing loans highlight credit risk and potential losses, straining financial resources and requiring strategic management to mitigate further impact.

Revenue Decline

The significant decline in revenue reflects challenges in loan origination and increased non-performing loans, impacting the company's ability to generate consistent income.

Sachem Capital Business Overview & Revenue Model

Company Description

Sachem Capital Corp. operates as a real estate finance company. The company is involved in the originating, underwriting, funding, servicing, and managing a portfolio of short-term loans secured by first mortgage liens on real property located primarily in Northeastern United States and Florida. It offers loans to real estate investors and owners to fund their acquisition, renovation, rehabilitation, development, and/or improvement of residential or commercial properties. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal income taxes if it distributes at least 90% of its taxable income each year to its stockholders. Sachem Capital Corp. was founded in 2010 and is based in Branford, Connecticut.

How the Company Makes Money

Sachem Capital makes money primarily through the interest and fees earned on its loan portfolio. The company's revenue model is based on originating and servicing short-term loans secured by real estate. These loans are typically structured with higher interest rates due to their short-term nature and the risk profile of borrowers. In addition to interest income, Sachem Capital earns origination fees and other related fees. The company's ability to generate revenue is significantly influenced by its access to capital markets, the real estate market conditions in its primary operating regions, and its expertise in underwriting and loan servicing.

Sachem Capital Financial Statement Overview

Summary

Earnings quality is pressured by a sharp profitability deterioration and deep losses (income statement weakness), while leverage is elevated for the current earnings profile. Positive operating/free cash flow is a relative bright spot, but debt coverage appears thin and durability is uncertain if credit/funding conditions worsen.

Income Statement

Profitability has deteriorated sharply. TTM (Trailing-Twelve-Months) revenue is very weak and the company is deeply unprofitable (net margin around -312%), with negative operating earnings as well. While 2020–2022 showed strong profitability and solid revenue growth, results swung to losses in 2024 and worsened further in TTM, signaling a broken earnings profile and high near-term uncertainty.

Balance Sheet

Leverage is elevated for the current earnings profile. Debt-to-equity sits around ~1.70 in TTM (up from ~1.48 in 2024), and returns on equity are meaningfully negative in 2024 and TTM, which weakens balance-sheet resilience. A positive offset is that equity remains sizable versus the asset base, but the key risk is that ongoing losses could pressure capital and flexibility if conditions don’t improve.

Cash Flow

Cash generation is a relative bright spot versus reported losses. TTM (Trailing-Twelve-Months) operating cash flow and free cash flow are positive, and free cash flow improved sharply versus the prior period. However, cash flow support for debt looks thin in TTM (low ability to cover debt from operating cash flow), and the gap between positive cash flow and large net losses raises durability questions if credit performance or funding costs worsen.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	3.23M	57.50M	29.97M	30.62M	20.00M	13.06M
Gross Profit	2.47M	35.16M	29.97M	30.62M	20.00M	13.06M
EBITDA	-19.99M	-11.35M	0.00	0.00	0.00	0.00
Net Income	-32.35M	-39.57M	15.90M	20.91M	13.32M	8.99M
Balance Sheet
Total Assets	484.40M	491.98M	620.89M	565.66M	417.96M	226.67M
Cash, Cash Equivalents and Short-Term Investments	11.17M	19.58M	12.60M	48.29M	102.57M	19.41M
Total Debt	291.77M	268.19M	345.89M	284.39M	194.46M	138.78M
Total Liabilities	308.78M	310.32M	390.82M	347.95M	237.88M	145.75M
Stockholders Equity	175.62M	181.65M	230.08M	217.71M	180.08M	80.92M
Cash Flow
Free Cash Flow	4.85M	12.81M	21.86M	11.57M	26.98M	9.48M
Operating Cash Flow	5.00M	12.89M	21.86M	13.15M	27.81M	9.63M
Investing Cash Flow	37.24M	79.91M	-72.49M	-159.54M	-166.00M	-82.82M
Financing Cash Flow	-36.95M	-87.33M	39.52M	128.16M	160.72M	73.76M

Sachem Capital Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.06
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SACH, the sentiment is Positive. The current price of 1.06 is above the 20-day moving average (MA) of 1.03, above the 50-day MA of 1.02, and above the 200-day MA of 1.02, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 56.71 is Neutral, neither overbought nor oversold. The STOCH value of 65.98 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for SACH.

Sachem Capital Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LOAN	69 Neutral	$52.73M	9.96	12.23%	9.28%	-8.80%	-5.99%
SEVN	66 Neutral	$203.61M	8.80	5.72%	13.82%	-18.06%	-18.94%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
CHMI	57 Neutral	$96.99M	137.50	4.55%	21.65%	22.14%	―
LFT	53 Neutral	$76.98M	15.20	4.14%	23.03%	-31.69%	-72.10%
SACH	51 Neutral	$50.55M	-1.36	-16.33%	19.80%	-63.70%	-325.57%
GPMT	46 Neutral	$107.14M	-1.70	-9.11%	7.97%	-28.13%	62.49%

Sachem Capital Corporate Events

Sachem Capital Declares Quarterly Dividend Announcement

On December 4, 2025, Sachem Capital Corp. announced that its board of directors declared a quarterly dividend of $0.05 per common share and $0.484375 per share on its 7.75% Series A Cumulative Redeemable Preferred Stock. These dividends are payable on December 30, 2025, to shareholders of record as of December 15, 2025. This announcement reflects the company’s continued commitment to providing returns to its investors, potentially enhancing its attractiveness in the real estate lending sector.

The most recent analyst rating on (SACH) stock is a Hold with a $1.25 price target. To see the full list of analyst forecasts on Sachem Capital stock, see the SACH Stock Forecast page.

Sachem Capital Enters Sales Agreement for Preferred Stock

On November 14, 2025, Sachem Capital Corp. entered into an At Market Issuance Sales Agreement with Ladenburg Thalmann & Co. Inc. and Lucid Capital Markets, LLC to offer and sell shares of its 7.75% Series A Cumulative Redeemable Preferred Stock. This agreement allows the company to sell up to $18,450,000 of Preferred Shares through the agents, with the company paying up to 2.5% in commissions. Additionally, on November 13, 2025, Sachem Capital amended its Certificate of Incorporation to increase the number of authorized Preferred Shares and fixed the number of Common Shares reserved for conversion.

The most recent analyst rating on (SACH) stock is a Hold with a $1.25 price target. To see the full list of analyst forecasts on Sachem Capital stock, see the SACH Stock Forecast page.

Sachem Capital Reports Q3 2025 Financial Results

On November 5, 2025, Sachem Capital Corp reported its financial results for the third quarter ended September 30, 2025, amid a challenging macroeconomic environment. The company focused on disciplined portfolio management and capital preservation, successfully completing a $100 million senior secured notes private placement to repay $56.3 million of unsecured subordinated notes, thereby extending its debt maturity profile and strengthening liquidity. Total revenue for the quarter was $12.0 million, a decrease from $14.8 million in the same period in 2024, primarily due to lower net new origination and elevated nonperforming loans. Despite a net loss attributable to common shareholders of $0.1 million, the company improved its financial position compared to a $6.1 million loss in the previous year. Total operating costs decreased significantly, and the company maintained its REIT status, distributing dividends to shareholders.

The most recent analyst rating on (SACH) stock is a Hold with a $1.25 price target. To see the full list of analyst forecasts on Sachem Capital stock, see the SACH Stock Forecast page.