Sachem Capital Corp. (SCCF) Stock Analysis
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. (SCCF) trades at $24.57 with AI Score 36/100 (Grade D). Sachem Capital Corp. is a real estate finance company specializing in short-term loans. Market cap: $1.17B, Sector: Real estate.
Price as of Aug 21, 2026 · Last analyzed: May 6, 2026Analyst Coverage for SCCF: SCCF 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 SCCF against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SCCF: 3/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bearish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Sachem Capital Corp. (SCCF) Real Estate Portfolio & Strategy
Sachem Capital Corp. (SCCF) is a real estate finance company structured as a REIT, focusing on originating and managing short-term, secured loans for real estate investors. They cater to the acquisition, renovation, and development of residential and commercial properties, offering non-banking loan solutions within the industrial REIT sector.
What Is the Investment Thesis for SCCF?
Sachem Capital Corp. presents a compelling investment thesis centered on its specialization in the high-yield, short-term real estate lending market. With a dividend yield of 7.42%, SCCF offers attractive income potential for investors. The company's focus on non-banking loans allows it to capture opportunities in a niche market underserved by traditional financial institutions. Growth catalysts include expanding its loan portfolio and capitalizing on the increasing demand for short-term real estate financing. However, potential risks include interest rate fluctuations and credit risk associated with its loan portfolio. Monitoring key metrics such as loan origination volume, net interest margin, and asset quality will be crucial in assessing SCCF's performance.
Based on FMP financials and quantitative analysis
SCCF Key Highlights
Market capitalization of $1.17B, reflecting substantial investor interest in the company's REIT model.
- P/E ratio of 479.6, indicating the price investors are willing to pay relative to the company's earnings.
- Profit margin of 13.4%, showcasing the company's ability to generate profit from its lending operations.
- Gross margin of 38.9%, reflecting efficient management of loan origination and servicing costs.
- Dividend yield of 7.42%, providing a significant income stream for investors.
Who Are SCCF's Competitors?
SCCF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| SCCD Sachem Capital Corp. | $24.88 | +0.12% | $1.17B | 41 |
| SCCE Sachem Capital Corp. | $24.54 | +0.08% | $1.15B | 37 |
| CGIUF ESR-Logos REIT | $1.66 | +0.00% | $1.34B | 59 |
| CIMN Chimera Investment Corporation | $25.14 | -0.20% | $997M | 46 |
| PLYM Plymouth Industrial REIT, Inc. | $21.98 | +0.05% | $979M | 45 |
| CBAOF Fibra Terrafina | $1.94 | +0.00% | $1.53B | 56 |
| IIPR Innovative Industrial Properties, Inc. | $56.73 | +0.94% | $1.64B | 90 |
| ADAMO Adamas Trust, Inc. 9.250% Senior Notes Due 2031 | $25.08 | -0.13% | $725M | 48 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SCCF's Key Strengths?
Specialization in short-term real estate lending.
- High dividend yield.
- Experienced management team.
- Strong underwriting and servicing capabilities.
What Are SCCF's Weaknesses?
Reliance on short-term financing.
- Exposure to interest rate risk.
- Concentration in real estate lending.
- Smaller scale compared to larger financial institutions.
What Could Drive SCCF Stock Higher?
Expansion into new geographic markets to diversify loan portfolio.
- Strategic partnerships with real estate developers to secure a pipeline of loan opportunities.
- Leveraging technology to streamline loan origination and servicing processes.
What Are the Key Risks for SCCF?
Negative return on equity (-4.7%) — 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.
- Rich valuation — a P/E of 479.6 runs well above the Real Estate sector’s ~22x, leaving little room for a miss.
- Economic downturn and real estate market decline impacting loan performance.
- Increased competition from other lenders reducing market share.
- Changes in interest rates affecting profitability.
- Credit risk associated with short-term real estate loans.
What Are the Growth Opportunities for SCCF?
- Expansion of Loan Portfolio: Sachem Capital has the opportunity to expand its loan portfolio by targeting new geographic markets and property types. The market for short-term real estate loans is estimated to be substantial, with increasing demand from real estate investors seeking flexible financing options. By leveraging its expertise in underwriting and servicing loans, Sachem Capital can increase its market share and drive revenue growth. This expansion can be achieved through strategic partnerships with real estate developers and brokers, as well as targeted marketing efforts to reach new customers. Timeline: Ongoing.
- Increased Focus on Commercial Properties: Sachem Capital can capitalize on the growing demand for commercial real estate financing by increasing its focus on commercial property loans. The commercial real estate market offers attractive opportunities for short-term financing, particularly in areas undergoing revitalization or redevelopment. By offering tailored financing solutions for commercial property projects, Sachem Capital can diversify its loan portfolio and increase its revenue streams. This strategy requires a deep understanding of the commercial real estate market and the ability to assess the risks and opportunities associated with different property types. Timeline: Ongoing.
- Strategic Partnerships with Real Estate Developers: Sachem Capital can forge strategic partnerships with real estate developers to secure a pipeline of loan opportunities. By working closely with developers, Sachem Capital can gain early access to new projects and offer customized financing solutions tailored to their specific needs. These partnerships can provide a steady stream of loan originations and enhance Sachem Capital's competitive position in the market. Building strong relationships with developers requires a proactive approach and a commitment to providing value-added services beyond just financing. Timeline: Ongoing.
- Leveraging Technology for Loan Origination and Servicing: Sachem Capital can leverage technology to streamline its loan origination and servicing processes, reducing costs and improving efficiency. By implementing online platforms and automated systems, Sachem Capital can enhance the customer experience and attract a wider range of borrowers. Technology can also be used to improve risk management by providing real-time data and analytics on loan performance. Investing in technology is essential for Sachem Capital to remain competitive in the rapidly evolving real estate finance market. Timeline: Ongoing.
- Capitalizing on Distressed Real Estate Opportunities: Sachem Capital can capitalize on distressed real estate opportunities by providing financing for the acquisition and rehabilitation of undervalued properties. The distressed real estate market offers attractive opportunities for generating high returns, but it also requires specialized expertise in assessing and managing risk. By offering financing solutions for distressed properties, Sachem Capital can tap into a niche market and differentiate itself from competitors. This strategy requires a deep understanding of the distressed real estate market and the ability to quickly evaluate and execute transactions. Timeline: Ongoing.
What Are SCCF's Competitive Advantages?
- Specialization in short-term, secured real estate lending.
- Expertise in underwriting and servicing high-yield loans.
- Established relationships with real estate developers and brokers.
- REIT structure providing tax advantages and dividend income for investors.
What Does SCCF Do?
Sachem Capital Corp., established in January 2016 by Jeffrey C. Villano and John L. Villano, operates as a real estate finance company specializing in short-term lending. Headquartered in Branford, CT, the company focuses on originating, underwriting, funding, servicing, and managing a diverse portfolio of short-term, secured loans. Sachem Capital caters to real estate investors seeking capital for the acquisition, renovation, rehabilitation, or development of both residential and commercial properties. As a real estate investment trust (REIT), Sachem Capital provides non-banking loan options, filling a crucial gap for investors who may not qualify for traditional bank financing. The company's business model centers around deploying capital into high-yield, short-term real estate loans, generating revenue through interest income and fees. Sachem Capital's growth strategy involves expanding its loan portfolio while maintaining rigorous underwriting standards and proactive risk management practices. Since its inception, Sachem Capital has established itself as a key player in the short-term real estate lending market, offering tailored financial solutions to a wide range of real estate projects.
What Products and Services Does SCCF Offer?
- Originates short-term, secured loans for real estate investors.
- Provides financing for the acquisition, renovation, and development of residential properties.
- Offers financing solutions for commercial real estate projects.
- Underwrites and services its own loan portfolio.
- Manages a portfolio of high-yield, short-term real estate loans.
- Operates as a real estate investment trust (REIT).
- Provides non-banking loan options to real estate investors.
How Does SCCF Make Money?
- Generates revenue through interest income from short-term real estate loans.
- Charges fees for loan origination, underwriting, and servicing.
- Operates as a REIT, distributing a portion of its earnings to shareholders through dividends.
- Focuses on high-yield, short-term lending opportunities in the real estate market.
What Industry Does SCCF Operate In?
Sachem Capital Corp. operates within the REIT - Industrial sector, which is influenced by macroeconomic factors such as interest rates, economic growth, and real estate market conditions. The demand for short-term real estate financing is driven by the need for quick capital deployment in acquisition, renovation, and development projects. Sachem Capital competes with other REITs, private lenders, and traditional banks in providing real estate financing solutions. The company's focus on non-banking loans and its expertise in underwriting and servicing short-term loans differentiate it from larger competitors.
Who Are SCCF's Key Customers?
- Real estate investors seeking short-term financing for acquisition, renovation, or development projects.
- Residential property developers and renovators.
- Commercial property investors and developers.
- Borrowers who may not qualify for traditional bank financing.
Forward Outlook
Wall Street analysts project Sachem Capital Corp. revenue of about $47.3M for fiscal 2026, with EPS near $0.06.
SCCF Valuation & Market Position
With a $1.17B market cap, Sachem Capital Corp. sits in the small-cap segment of the market. Relative to its peer group, SCCF's quantitative score of 36/100 is roughly in line with the peer average of 46/100.
Key Financial Metrics
Return on equity for Sachem Capital Corp. stands at -4.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -1.7%, showing how much profit it generates from its asset base. Its free cash flow yield is -5.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.92 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -21.4%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Sachem Capital Corp.'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 2.48 places it in the grey zone, a middle ground that warrants monitoring.
Company Profile
Sachem Capital Corp. operates in the REIT - Industrial industry within the Real Estate sector. It is headquartered in Washington, US. The company is led by CEO John L. Villano. SCCF has traded publicly since 2022.
SCCF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying indicates confidence in the company's future prospects, suggesting that leadership believes in growth.
- Community sentiment has shifted positively, with discussions highlighting the company's stable income from real estate investments.
- The company's strategic focus on expanding its loan portfolio has garnered attention, signaling potential for increased revenue streams.
- Market perception around real estate financing has improved, with investors looking for stable returns in uncertain times.
Bear Case
- Concerns over rising interest rates could impact the company's borrowing costs, leading to tighter profit margins.
- Negative sentiment in online forums reflects worries about potential regulatory changes affecting the real estate market.
- Some community members express skepticism about the sustainability of the company's growth strategy, fearing over-leverage risks.
- Recent financial disclosures raised questions about long-term profitability, prompting caution among investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
SCCF Latest News
No recent news available for SCCF.
SCCF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SCCF.
Price Targets
Wall Street price target analysis for SCCF.
SCCF MoonshotScore
What does this score mean?
The MoonshotScore rates SCCF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: John L. Villano
CEO
John L. Villano is a co-founder of Sachem Capital Corp. He has served as the Chief Executive Officer since the company's inception in January 2016. His leadership is pivotal in guiding the company's strategic direction and overseeing its day-to-day operations. Villano's background includes extensive experience in real estate finance and investment management. He has a deep understanding of the short-term lending market and a proven track record of building successful businesses.
Track Record: Under John Villano's leadership, Sachem Capital Corp. has grown into a prominent 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 underwriting and servicing capabilities. Key achievements include establishing strategic partnerships with real estate developers and implementing technology solutions to improve efficiency.
What Investors Ask About Sachem Capital Corp. (SCCF) — Real Estate
What does the AI Score mean for SCCF?
SCCF holds an AI Score of 36/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. Sachem Capital Corp. is a real estate finance company specializing in short-term loans. They provide funding for real estate investors focused on acquisition, renovation, and development projects.
What does Sachem Capital Corp. 7.125% Not do?
Sachem Capital Corp. specializes in originating, underwriting, and managing short-term, secured loans for real estate investors. The company focuses on providing non-banking loan options for the acquisition, renovation, rehabilitation, or development of residential and commercial properties.
What do analysts say about SCCF stock?
Analyst coverage of Sachem Capital Corp. typically focuses on its dividend yield, loan portfolio growth, and asset quality. Key valuation metrics include price-to-earnings ratio, price-to-book ratio, and dividend payout ratio. Analysts often consider the company's ability to maintain its dividend yield and manage credit risk in its loan portfolio.
What are the main risks for SCCF?
Sachem Capital Corp. faces several risks, including economic downturns that could negatively impact the real estate market and borrower's ability to repay loans. Interest rate fluctuations can affect the company's profitability and borrowing costs. Credit risk associated with its loan portfolio is a significant concern, requiring rigorous underwriting and risk management practices.
What are the key factors to evaluate for SCCF?
Sachem Capital Corp. (SCCF) holds an AI score of 36/100 (low). P/E: 479.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does SCCF data refresh on this page?
SCCF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SCCF's recent stock price performance?
Sachem Capital Corp. (SCCF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialization in short-term real estate lending. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SCCF overvalued or undervalued right now?
Sachem Capital Corp. (SCCF) trades at 479.6x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research SCCF before investing?
Before investing in Sachem Capital Corp. (SCCF), 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) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
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.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.