Sachem Capital Corp. 7.75% Note (SCCC)
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. 7.75% Note (SCCC) trades at $24.99 with AI Score 38/100 (Grade D). Sachem Capital Corp. is a real estate finance company specializing in short-term, secured loans for real estate investors. Market cap: $1.17B, Sector: Real estate.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for SCCC: SCCC 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 SCCC against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SCCC: 1/1 perspectives are bearish.
How is this calculated? →Sachem Capital Corp. 7.75% Note (SCCC) Real Estate Portfolio & Strategy
Sachem Capital Corp. is a real estate finance company providing short-term, secured loans to real estate investors. Specializing in funding acquisition, renovation, and development projects, Sachem operates within the REIT-Mortgage sector, offering non-banking loans for residential and commercial properties. The company's dividend yield is 5.81%.
What Is the Investment Thesis for SCCC?
Sachem Capital Corp. presents a focused investment opportunity within the mortgage REIT sector. The company's specialization in short-term, secured loans to real estate investors offers potential for high yields, reflected in its dividend yield of 5.81%. However, investors should be aware of the company's negative profit margin of -67.6% and gross margin of -269.0%. A key value driver is the continued demand for non-banking loans in the real estate market, particularly for projects requiring quick funding and flexible terms. Sachem's ability to efficiently manage its loan portfolio and maintain low default rates will be critical for sustained profitability. The company's relatively low beta of 0.16 suggests lower volatility compared to the broader market. Monitoring the company's ability to improve its profit margins and manage credit risk is essential for assessing its long-term investment viability.
Based on FMP financials and quantitative analysis
SCCC Key Highlights
- Market capitalization of $1.17B indicates the company's size and market value.
- P/E ratio of 287.86 suggests the stock may be overvalued relative to its earnings.
- Dividend yield of 5.81% provides a potential income stream for investors.
- Negative profit margin of -67.6% raises concerns about the company's profitability.
- Beta of 0.16 indicates lower volatility compared to the overall market.
Who Are SCCC's Competitors?
SCCC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AFIN American Finance Trust, Inc. | $8.23 | -0.36% | $1.18B | 52 |
| BRMK Broadmark Realty Capital Inc. | $4.82 | -2.63% | $635.03M | 46 |
| CLNC Colony Credit Real Estate, Inc. | $10.32 | +1.57% | $1.33B | 45 |
| CLNY Colony Capital, Inc. | $8.50 | +0.00% | $1.36B | 41 |
| NYMT New York Mortgage Trust, Inc. | $7.11 | -1.52% | $642.13M | 48 |
| CHMI Cherry Hill Mortgage Investment Corporation | $2.33 | -0.21% | $85.42M | 72 |
| CIM Chimera Investment Corporation | $13.12 | +0.04% | $1.10B | 68 |
| MFA MFA Financial, Inc. | $9.38 | -1.00% | $958.15M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SCCC's Key Strengths?
- Specialized expertise in short-term real estate lending.
- Established relationships with real estate investors.
- In-house loan origination and servicing capabilities.
- High dividend yield offering potential income for investors.
What Are SCCC's Weaknesses?
- Negative profit and gross margins raise concerns about profitability.
- Reliance on short-term lending may expose the company to interest rate risk.
- Small market capitalization compared to larger REITs.
- Potential for increased competition in the non-banking lending market.
What Could Drive SCCC Stock Higher?
- Continued demand for short-term, non-banking real estate loans will drive loan origination volume.
- Strategic partnerships with real estate developers will provide a consistent stream of lending opportunities.
- Potential acquisitions of smaller lending companies could expand Sachem Capital's market share within the next 12-18 months.
- Implementation of new technologies to streamline loan processes and reduce operating costs.
What Are the Key Risks for SCCC?
- Negative return on equity (-2.3%) — the business is not currently generating profit on shareholder capital.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturn could lead to increased loan defaults and reduced demand for real estate financing.
- Rising interest rates could increase borrowing costs and negatively impact profitability.
- Competition from other lenders and financial institutions could put pressure on loan pricing and market share.
- Changes in real estate regulations could impact lending practices and increase compliance costs.
What Are the Growth Opportunities for SCCC?
- Expansion into New Geographic Markets: Sachem Capital can grow by expanding its lending operations into new geographic markets within the United States. Identifying regions with strong real estate investment activity and limited access to traditional bank financing could provide significant growth opportunities. This expansion could increase loan origination volume by 15-20% over the next three years, driving revenue growth and market share.
- Increased Loan Origination Volume: Sachem Capital can increase its loan origination volume by strengthening its relationships with real estate investors and brokers. By offering competitive loan terms and efficient processing, the company can attract a larger share of the market for short-term real estate financing. A 10-15% increase in loan origination volume annually could significantly boost revenue and profitability.
- Development of New Loan Products: Sachem Capital can develop new loan products tailored to specific segments of the real estate market, such as loans for fix-and-flip projects, construction loans, or bridge loans. This diversification could attract a wider range of borrowers and increase the company's market share. These new products could contribute an additional 5-10% to revenue growth within the next two years.
- Strategic Partnerships with Real Estate Developers: Sachem Capital can form strategic partnerships with real estate developers to provide financing for their projects. By becoming a preferred lender for these developers, the company can secure a consistent stream of loan origination opportunities. These partnerships could result in a 20% increase in loan volume over the next five years.
- Leveraging Technology for Enhanced Efficiency: Sachem Capital can invest in technology to streamline its loan origination, underwriting, and servicing processes. Implementing a user-friendly online platform and automated underwriting tools can reduce costs, improve efficiency, and enhance the borrower experience. This technological advancement could lead to a 10% reduction in operating expenses and a faster turnaround time for loan approvals.
What Opportunities Does SCCC Have?
- Expansion into new geographic markets.
- Development of new loan products tailored to specific real estate segments.
- Strategic partnerships with real estate developers.
- Leveraging technology to improve efficiency and reduce costs.
What Threats Does SCCC Face?
- Economic downturn could lead to increased loan defaults.
- Rising interest rates could increase borrowing costs and reduce demand for loans.
- Changes in real estate regulations could impact lending practices.
- Increased competition from other lenders and financial institutions.
What Are SCCC's Competitive Advantages?
- Specialized focus on short-term, non-banking real estate loans.
- In-house loan origination, underwriting, and servicing capabilities.
- Established relationships with real estate investors and brokers.
- Expertise in managing credit risk in the real estate lending market.
What Does SCCC Do?
Founded in January 2016 by Jeffrey C. Villano and John L. Villano, Sachem Capital Corp. operates as a real estate finance company headquartered in Branford, CT. The company specializes 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 operates within the REIT (Real Estate Investment Trust) sector, specifically focusing on mortgage REITs. The company's business model involves deploying capital into short-term real estate loans and generating income through interest payments and fees. Sachem Capital targets real estate investors who may not qualify for traditional bank financing, filling a niche in the lending market. The company manages the entire loan process in-house, from initial underwriting to servicing the loan throughout its term.
What Products and Services Does SCCC Offer?
- Originates short-term, secured loans for real estate investors.
- Underwrites and funds loans for residential and commercial properties.
- Services and manages a portfolio of real estate loans.
- Provides non-banking loans for property acquisition, renovation, and development.
- Operates as a real estate finance company.
- Specializes in loans for projects that may not qualify for traditional bank financing.
How Does SCCC Make Money?
- Generates revenue through interest income from real estate loans.
- Charges fees for loan origination, underwriting, and servicing.
- Focuses on short-term, high-yield lending opportunities.
- Manages credit risk through secured lending practices.
What Industry Does SCCC Operate In?
Sachem Capital Corp. operates within the mortgage REIT sector, a segment of the real estate industry that focuses on investing in mortgages and mortgage-backed securities. The market is influenced by interest rate trends, real estate values, and regulatory changes. Competition includes other mortgage REITs such as AFIN, BRMK, CLNC, CLNY, and NYMT, all of which pursue different strategies within the lending and investment landscape. Sachem Capital differentiates itself by focusing on short-term, non-banking loans for real estate projects, targeting a specific niche within the broader real estate finance market.
Who Are SCCC's Key Customers?
- Real estate investors seeking short-term financing.
- Property developers requiring capital for renovation and construction projects.
- Individuals and companies who may not qualify for traditional bank loans.
- Borrowers looking for flexible and quick funding solutions.
Company Profile
Sachem Capital Corp. 7.75% Note operates in the REIT - Mortgage industry within the Real Estate sector. It is headquartered in Branford, US. The company is led by CEO John L. Villano. SCCC has traded publicly since 2020.
F-Score 3/9Financial Health
Sachem Capital Corp. 7.75% Note's Piotroski F-Score is 3/9, a 9-point checklist of profitability, leverage and efficiency — flagging fundamental weakness worth scrutiny. Its Altman Z-Score of 2.28 places it in the grey zone, a middle ground that warrants monitoring.
ROE -2%Key Financial Metrics
Return on equity for Sachem Capital Corp. 7.75% Note stands at -2.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.9%, showing how much profit it generates from its asset base. Its free cash flow yield is 0.3%, 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 -0.3%, the inverse of the P/E and a quick read on earnings relative to price.
SCCC Valuation & Market Position
With a $1.17B market cap, Sachem Capital Corp. 7.75% Note sits in the small-cap segment of the market. Relative to its peer group, SCCC's quantitative score of 38/100 is roughly in line with the peer average of 46/100.
Net buyingInsider Activity
The most recent 9 insider filings for Sachem Capital Corp. 7.75% Note 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.
SCCC Financials
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future, indicating that key stakeholders believe in the growth potential of Sachem Capital.
- Community sentiment has been leaning positive, with discussions highlighting the company's strong dividend yield and stability in uncertain markets.
- Market perception has improved as investors are seeking higher-yielding alternatives, positioning Sachem Capital favorably among income-focused investors.
- Recent developments in the real estate sector may benefit Sachem, as they provide financing solutions that align well with current market needs.
Bear Case
- Concerns about rising interest rates could pressure the company's borrowing costs, making investors wary of potential impacts on profitability.
- Some community members express skepticism about long-term growth, citing the competitive landscape in the real estate financing sector.
- Recent negative news regarding regulatory changes in the lending market has created uncertainty, leading to bearish sentiment among some investors.
- There are worries about the sustainability of high dividend payouts if economic conditions worsen, raising red flags for risk-averse investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SCCC Latest News
No recent news available for SCCC.
SCCC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SCCC.
Price Targets
Wall Street price target analysis for SCCC.
SCCC MoonshotScore
What does this score mean?
The MoonshotScore rates SCCC's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: John L. Villano
CEO
John L. Villano is a co-founder and the Chief Executive Officer of Sachem Capital Corp. He has extensive experience in real estate finance and investment management. Prior to founding Sachem Capital, Mr. Villano held various leadership positions in the financial services industry, focusing on real estate lending and portfolio management. His background includes expertise in underwriting, loan origination, and risk management. He brings a deep understanding of the real estate market and a proven track record of building successful lending businesses.
Track Record: Under John L. Villano's leadership, Sachem Capital Corp. has grown into a significant player in the short-term real estate lending market. He has overseen the expansion of the company's loan portfolio and the development of its in-house loan servicing capabilities. His strategic decisions have focused on maintaining a disciplined approach to underwriting and risk management, contributing to the company's growth and stability.
Common Questions About SCCC (Real Estate)
What does Sachem Capital Corp. 7.75% Note do?
Sachem Capital Corp. operates as a real estate finance company, specializing in originating, underwriting, and servicing short-term, secured loans for real estate investors. The company provides non-banking loans to fund the acquisition, renovation, rehabilitation, or development of residential and commercial properties. Sachem Capital targets borrowers who may not qualify for traditional bank financing, offering a niche lending service within the real estate market. The company generates revenue through interest income and fees associated with its loan portfolio.
What are the main risks for SCCC?
Sachem Capital Corp. faces several risks, including the potential for increased loan defaults during an economic downturn. Rising interest rates could increase borrowing costs and reduce demand for loans. Competition from other lenders and financial institutions could put pressure on loan pricing and market share. Changes in real estate regulations could impact lending practices and increase compliance costs. The company's negative profit and gross margins also pose a significant risk to its long-term financial stability.
What are the key factors to evaluate for SCCC?
Sachem Capital Corp. 7.75% Note (SCCC) holds an AI score of 38/100 (low). Not financial advice.
How frequently does SCCC data refresh on this page?
SCCC 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 SCCC's recent stock price performance?
Sachem Capital Corp. 7.75% Note (SCCC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized expertise in short-term real estate lending. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SCCC overvalued or undervalued right now?
Valuing Sachem Capital Corp. 7.75% Note (SCCC) requires multiple metrics. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SCCC?
Before investing in Sachem Capital Corp. 7.75% Note (SCCC), 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 SCCC to a portfolio?
Key strength of Sachem Capital Corp. 7.75% Note (SCCC): Specialized expertise in short-term real estate lending. 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.
- AI analysis is pending for SCCC, limiting the depth of available insights.
- Financial data is based on the most recent available information.