Sachem Capital Corp. 7.125% Not (SCCB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Sachem Capital Corp. 7.125% Not (SCCB) trades at $24.98 with AI Score 38/100 (Grade D). Sachem Capital Corp. is a real estate finance company specializing in short-term loans for property acquisition and development. Market cap: $116.72M, Sector: Real estate.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for SCCB: SCCB does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SCCB against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SCCB: 1/1 perspectives are bearish.
How is this calculated? →Sachem Capital Corp. 7.125% Not (SCCB) Real Estate Portfolio & Strategy
Sachem Capital Corp. (SCCB) is a real estate finance company structured as a REIT, originating and managing short-term, secured loans for real estate investors. It focuses on non-banking loans for acquisition, renovation, and development projects, operating primarily in the residential and commercial property sectors.
What Is the Investment Thesis for SCCB?
Sachem Capital Corp. presents a mixed investment profile. The company's focus on short-term, secured real estate loans offers potential for high yields, evidenced by its dividend yield of 7.63%. However, its negative profit margin of -13.9% and gross margin of -158.9% raise concerns about its financial efficiency and operational profitability. The high P/E ratio of 478.6 suggests the stock may be overvalued relative to its earnings. Growth catalysts include expansion of its loan portfolio and strategic partnerships within the real estate sector. The company's beta of 0.57 indicates lower volatility compared to the market, which may appeal to risk-averse investors. However, potential risks include fluctuations in interest rates and increased competition in the non-banking lending space. Investors should closely monitor Sachem Capital's ability to improve its profitability and manage its loan portfolio effectively.
Based on FMP financials and quantitative analysis
SCCB Key Highlights
- Market capitalization of $116.72M indicates a small-cap company.
- Dividend yield of 7.63% offers a potentially attractive income stream for investors.
- P/E ratio of 478.6 suggests the stock may be overvalued.
- Negative profit margin of -13.9% raises concerns about profitability.
- Beta of 0.57 indicates lower volatility compared to the market.
Who Are SCCB's Competitors?
SCCB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AAIC Arlington Asset Investment Corp. | $4.84 | +1.47% | $137.08M | 63 |
| AJXA Great Ajax Corp. 7.25 CV SR NT 24 | $25.07 | +0.16% | 141M | 42 |
| DOMA Doma Holdings Inc. | $6.28 | +2.45% | $89.09M | — |
| EQC Equity Commonwealth | $1.58 | -1.86% | $169.73M | 48 |
| PLYM Plymouth Industrial REIT, Inc. | $21.98 | +0.05% | $979.23M | 45 |
| PSA Public Storage | $329.64 | +2.04% | $57.88B | 60 |
| TRNO Terreno Realty Corporation | $67.33 | +2.00% | $7.16B | 60 |
| FBBPF FIBRA Prologis | $4.39 | +1.83% | $7.33B | 59 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SCCB's Key Strengths?
- Specialized focus on short-term real estate loans.
- Expertise in underwriting and loan management.
- Established relationships with real estate developers.
- High dividend yield.
What Are SCCB's Weaknesses?
- Negative profit margin.
- High P/E ratio.
- Small market capitalization.
- Reliance on short-term funding sources.
What Could Drive SCCB Stock Higher?
- Expansion of loan portfolio through strategic partnerships.
- Adoption of technology to streamline loan processes.
- Potential diversification of funding sources to reduce reliance on single sources (2-3 years).
What Are the Key Risks for SCCB?
- Financial-distress signal — its Altman Z-Score of 0.24 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-3.0%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 2/9 flags soft profitability, leverage or efficiency.
- Fluctuations in interest rates impacting profitability.
- Increased competition in the non-banking lending space.
- Economic downturn affecting real estate values and loan defaults.
- Negative profit and gross margins indicating financial strain.
What Are the Growth Opportunities for SCCB?
- Expansion of Loan Portfolio: Sachem Capital has the opportunity to grow its loan portfolio by targeting underserved segments of the real estate market. Focusing on niche areas such as fix-and-flip loans or small-scale development projects can provide a competitive advantage. The market for short-term real estate loans is estimated to be worth billions of dollars annually, offering significant growth potential for Sachem Capital. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with real estate developers, contractors, and other industry players can enhance Sachem Capital's deal flow and market reach. Collaborations can provide access to new investment opportunities and expand the company's network. These partnerships can also lead to more efficient loan origination and servicing processes. Timeline: Ongoing.
- Geographic Expansion: Sachem Capital can expand its operations into new geographic markets to diversify its loan portfolio and reduce concentration risk. Identifying regions with strong real estate growth potential and limited access to traditional financing can provide attractive investment opportunities. This expansion should be carefully managed to ensure compliance with local regulations. Timeline: 1-2 years.
- Technology Adoption: Investing in technology to streamline loan origination, underwriting, and servicing processes can improve efficiency and reduce costs. Implementing digital platforms and data analytics tools can enhance decision-making and risk management. This can also improve the customer experience and attract more borrowers. Timeline: Ongoing.
- Diversification of Funding Sources: Sachem Capital can diversify its funding sources by exploring alternative financing options such as securitization or private placements. Reducing reliance on a single source of funding can mitigate risks associated with changes in market conditions and investor sentiment. This diversification can also lower the company's cost of capital. Timeline: 2-3 years.
What Opportunities Does SCCB Have?
- Expansion into new geographic markets.
- Strategic partnerships with industry players.
- Adoption of technology to improve efficiency.
- Diversification of funding sources.
What Threats Does SCCB Face?
- Fluctuations in interest rates.
- Increased competition in the non-banking lending space.
- Economic downturn affecting real estate values.
- Regulatory changes impacting REITs.
What Are SCCB's Competitive Advantages?
- Specialized focus on short-term, non-banking real estate loans.
- Established expertise in underwriting and managing real estate loans.
- Strong relationships with real estate developers and investors.
- Ability to provide quick access to capital for time-sensitive projects.
What Does SCCB Do?
Sachem Capital Corp., founded in January 2016 by Jeffrey C. Villano and John L. Villano, is a real estate finance company headquartered in Branford, CT. The company operates as a real estate investment trust (REIT), specializing in originating, underwriting, funding, servicing, and managing a portfolio of short-term loans. Sachem Capital focuses on providing short-term, secured, non-banking loans to real estate investors. These loans are specifically designed to fund the acquisition, renovation, rehabilitation, or development of both residential and commercial properties. Sachem Capital's business model centers around providing financing solutions to real estate investors who may not qualify for traditional bank loans. By offering short-term loans, the company caters to investors seeking quick access to capital for time-sensitive projects. The company's services include a full suite of loan management activities, from initial underwriting to ongoing servicing. This comprehensive approach allows Sachem Capital to maintain control over its loan portfolio and manage risk effectively. Since its inception, Sachem Capital has focused on building a diversified portfolio of real estate loans, targeting properties with strong potential for value appreciation. The company's strategy involves careful assessment of each loan application, ensuring that the underlying property has sufficient collateral value to secure the loan. Sachem Capital's expertise in real estate finance enables it to identify and capitalize on opportunities in the market, while also mitigating potential risks associated with real estate lending. The company continues to expand its operations and broaden its reach within the real estate finance industry.
What Products and Services Does SCCB Offer?
- Originates short-term, secured loans for real estate investors.
- Provides non-banking loans for property acquisition, renovation, and development.
- Offers financing solutions to investors who may not qualify for traditional bank loans.
- Manages a portfolio of real estate loans.
- Underwrites and services loans.
- Operates as a real estate investment trust (REIT).
How Does SCCB Make Money?
- Generates revenue through interest income from short-term loans.
- Focuses on secured loans, using real estate as collateral.
- Targets real estate investors seeking quick access to capital.
- Manages risk through careful underwriting and loan servicing.
What Industry Does SCCB Operate In?
Sachem Capital Corp. operates within the REIT - Industrial sector, which is influenced by broader real estate market trends, interest rates, and economic conditions. The REIT sector has seen growth in recent years, driven by demand for income-generating assets and favorable regulatory policies. However, increased competition and rising interest rates pose challenges to REITs. Sachem Capital differentiates itself by focusing on short-term, non-banking loans, targeting a niche market within the real estate finance industry. Competitors include larger REITs and private lending firms, requiring Sachem Capital to maintain competitive interest rates and efficient loan management practices.
Who Are SCCB's Key Customers?
- Real estate investors.
- Property developers.
- Individuals and companies involved in property renovation and rehabilitation.
- Small to medium-sized businesses seeking financing for real estate projects.
F-Score 2/9Financial Health
Sachem Capital Corp. 7.125% Not's Piotroski F-Score is 2/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 0.24 places it in the distress zone, a signal of elevated financial risk.
ROE -3%Key Financial Metrics
Return on equity for Sachem Capital Corp. 7.125% Not stands at -3.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.1%, showing how much profit it generates from its asset base. Its free cash flow yield is 2.7%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -0.4%, the inverse of the P/E and a quick read on earnings relative to price.
Sachem Capital Corp. 7.125% Not (SCCB) Valuation Context
Valued at $116.72M, SCCB is classified as a micro-cap stock. Relative to its peer group, SCCB's quantitative score of 38/100 is below the peer average of 50/100.
Net buyingInsider Activity
The most recent 9 insider filings for Sachem Capital Corp. 7.125% Not break down as 3 sales and 6 purchases. On net that is roughly 154K shares acquired (about $13K) — insiders putting money in tends to read as conviction.
SCCB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Insiders seem to be holding steady; not seeing any major sell-offs which could signal confidence in the company's direction.
- The community seems to appreciate the consistent dividend yield, making it an attractive income play in a volatile market, similar to how investors flocked to dividend stocks during periods of uncertainty in the past.
- There's a general feeling that specialty finance is undervalued, and SCCB could be a hidden gem if they keep executing well, similar to how some REITs were viewed before their breakout.
- Positive chatter suggests the market views their niche lending focus as a buffer against broader economic downturns, reminiscent of how defensive stocks held up during the 2008 crisis.
Bear Case
- Community discussions reveal concerns about the long-term sustainability of high yields in the current rate environment, similar to worries surrounding mortgage REITs during periods of interest rate hikes.
- There's some unease about the complexity of their loan portfolio and potential risks associated with smaller borrowers; it's a bit like the concerns surrounding subprime lending before the 2008 crash, though on a smaller scale.
- The general market perception is that smaller finance companies are more vulnerable to economic shocks, mirroring the challenges faced by regional banks during times of financial stress.
- Some community members are worried about potential dilution from future offerings to maintain the dividend, a common concern with high-yield companies that need to raise capital.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SCCB Latest News
No recent news available for SCCB.
SCCB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SCCB.
Price Targets
Wall Street price target analysis for SCCB.
SCCB MoonshotScore
What does this score mean?
The MoonshotScore rates SCCB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: None
Unknown
Unknown
Track Record: Unknown
What Investors Ask About Sachem Capital Corp. 7.125% Not (SCCB) — Real Estate
What does Sachem Capital Corp. 7.125% Not do?
Sachem Capital Corp. operates as a real estate finance company, specializing in originating and managing short-term, secured loans for real estate investors. The company focuses on providing non-banking loans for the acquisition, renovation, rehabilitation, or development of residential and commercial properties. As a REIT, Sachem Capital generates revenue primarily through interest income from these loans, targeting investors who may not qualify for traditional bank financing. The company's expertise lies in underwriting and servicing these loans, ensuring they are secured by the underlying real estate.
What are the main risks for SCCB?
Sachem Capital Corp. faces several key risks, including fluctuations in interest rates, which can impact its profitability and loan demand. Increased competition in the non-banking lending space could also put pressure on its interest rates and market share. An economic downturn affecting real estate values could lead to increased loan defaults and losses. The company's negative profit and gross margins indicate underlying financial strain, requiring close monitoring of its operational efficiency and financial management. These factors could impact the company's ability to maintain its dividend yield and generate sustainable returns for investors.
What are the key factors to evaluate for SCCB?
Sachem Capital Corp. 7.125% Not (SCCB) holds an AI score of 38/100 (low). P/E: 478.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does SCCB data refresh on this page?
SCCB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SCCB's recent stock price performance?
Sachem Capital Corp. 7.125% Not (SCCB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized focus on short-term real estate loans. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SCCB overvalued or undervalued right now?
Sachem Capital Corp. 7.125% Not (SCCB) trades at 478.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SCCB?
Before investing in Sachem Capital Corp. 7.125% Not (SCCB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding SCCB to a portfolio?
Key strength of Sachem Capital Corp. 7.125% Not (SCCB): Specialized focus on short-term real estate loans. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data may be outdated.
- AI analysis is pending.