Sachem Capital Corp. (SCCG) Stock Analysis
Educational signal · not a buy or sell recommendation · How to read this
P/E 178.37 means the share price is 178.37 times one year of earnings per share; the S&P 500 usually sits near 20-25.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 7, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerSachem Capital Corp. (SCCG) trades at $24.88 with MoonshotScore 37/100 (Grade D). Sachem Capital Corp. is a real estate finance company specializing in originating, underwriting, and managing short-term, secured loans for real estate investors. Sector: Real estate.
Price as of Sep 11, 2026 · Last analyzed: May 7, 2026Analyst Coverage for SCCG: SCCG 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 SCCG against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
These figures come from statements filed 12 months ago — the most recent this company has published.
SCCG: 2/3 scored disciplines lean bearish. Dominant signal: Ken Griffin bearish.
How is this calculated? →Strongest side: Valuation (7/10, Moderate). Weakest side: Financial Safety (3/10, Weak).
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
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. (SCCG) Real Estate Portfolio & Strategy
Sachem Capital Corp. is a real estate finance company focused on originating, underwriting, and managing short-term secured loans for real estate investors. The company provides non-banking loans for property acquisition, renovation, and development, distinguishing itself through specialized services within the mortgage REIT sector.
What Is the Investment Thesis for SCCG?
Sachem Capital Corp. presents a focused investment opportunity within the mortgage REIT sector, driven by its specialization in short-term, secured real estate loans. With a dividend yield of 8.34%, the company offers an attractive income stream for investors. Sachem Capital's ability to originate, underwrite, and manage its loan portfolio provides a competitive advantage, allowing for better control over asset quality and risk management. A key growth catalyst is the increasing demand for short-term financing in the real estate market, particularly for renovation and development projects. However, potential risks include interest rate fluctuations and economic downturns, which could impact borrower's ability to repay loans. The company's profit margin of 13.1% and gross margin of 40.4% indicate solid profitability, but investors should monitor these metrics closely to assess the company's long-term financial health.
Based on FMP financials and quantitative analysis
SCCG Key Highlights
Market capitalization of $1.13 billion indicates a significant presence in the mortgage REIT sector.
- P/E ratio of 178.37 suggests the stock may be overvalued relative to its earnings.
- Profit margin of 13.1% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 40.4% reflects efficient management of loan origination and servicing costs.
- Dividend yield of 8.34% offers an attractive income stream for investors.
Who Are SCCG's Competitors?
SCCG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| ARR ARMOUR Residential REIT, Inc. | $15.83 | -2.13% | $1.84B | 645-pillar |
| AGNC AGNC Investment Corp. | $10.20 | +0.14% | $11.7B | 655-pillar |
| IVR Invesco Mortgage Capital Inc. | $6.91 | -2.47% | $641M | — |
| NLY Annaly Capital Management, Inc. | $21.93 | -0.30% | $16.5B | 565-pillar |
| RITM Rithm Capital Corp. | $9.74 | +0.78% | $5.44B | 335-pillar |
| DX Dynex Capital, Inc. | $12.56 | -2.10% | $3.11B | 795-pillar |
| EFC Ellington Financial Inc. | $12.88 | -1.19% | $1.62B | 385-pillar |
| LADR Ladder Capital Corp | $9.67 | -1.18% | $1.23B | 535-pillar |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SCCG's Key Strengths?
Specialization in short-term real estate loans
- Integrated loan origination and servicing
- High dividend yield
- Experienced management team
What Are SCCG's Weaknesses?
High P/E ratio
- Sensitivity to interest rate fluctuations
- Reliance on real estate market conditions
- Small number of employees
What Could Drive SCCG Stock Higher?
Increasing demand for short-term financing in the real estate market.
- Strategic partnerships with real estate investors and brokers.
- Potential acquisitions of smaller lenders or real estate finance companies.
- Launch of new loan products tailored to specific market segments.
What Are the Key Risks for SCCG?
Negative return on equity (-4.7%) — the business is not currently generating profit on shareholder capital.
- Inconsistent delivery — missed Wall Street EPS estimates in 5 of the last 8 reported quarters.
- Weak fundamentals — a Piotroski F-Score of 3/9 flags soft profitability, leverage or efficiency.
- Economic downturns impacting borrower's ability to repay loans.
- Interest rate fluctuations affecting profitability.
- Increased competition from other lenders.
- Changes in regulations impacting the real estate lending market.
What Are the Growth Opportunities for SCCG?
- Expansion into New Geographic Markets: Sachem Capital can pursue growth by expanding its lending operations into new geographic markets within the United States. By targeting regions with strong real estate investment activity and demand for short-term financing, the company can increase its loan origination volume and revenue. This expansion strategy could involve establishing new regional offices or partnering with local real estate professionals to source deals. The timeline for this expansion could be phased over the next 3-5 years, with initial focus on markets adjacent to its existing footprint.
- Increased Loan Origination Volume: Sachem Capital has the opportunity to increase its loan origination volume by strengthening its relationships with real estate investors and brokers. By offering competitive loan terms, streamlined application processes, and responsive customer service, the company can attract a larger share of the short-term lending market. This growth driver is directly tied to the company's sales and marketing efforts, as well as its ability to efficiently underwrite and fund loans. The company can target a 10-15% annual increase in loan origination volume over the next few years.
- Development of New Loan Products: Sachem Capital can diversify its revenue streams and attract new customers by developing new loan products tailored to specific segments of the real estate market. For example, the company could introduce specialized loan programs for fix-and-flip investors, construction projects, or commercial property renovations. These new loan products would require careful market research and product development, but they could significantly expand Sachem Capital's addressable market. The company could aim to launch one or two new loan products per year.
- Strategic Acquisitions: Sachem Capital could pursue strategic acquisitions of smaller lenders or real estate finance companies to accelerate its growth and expand its market presence. These acquisitions could provide access to new geographic markets, customer relationships, or specialized lending expertise. However, Sachem Capital would need to carefully evaluate potential acquisition targets and ensure that they align with its overall business strategy and risk management practices. The timeline for potential acquisitions is uncertain, but the company should actively explore opportunities that could create value for shareholders.
- Technological Innovation: Sachem Capital can invest in technological innovation to improve its operational efficiency, enhance customer service, and streamline the loan origination process. This could involve implementing new software platforms for loan underwriting, servicing, and risk management. By leveraging technology, Sachem Capital can reduce costs, improve decision-making, and provide a better experience for its borrowers. The company should allocate resources to technology development and implementation over the next few years to realize these benefits.
What Are SCCG's Competitive Advantages?
- Specialization in short-term, secured real estate loans.
- Integrated approach to loan origination, underwriting, and servicing.
- Strong relationships with real estate investors and brokers.
- Expertise in managing risk in the real estate lending market.
What Does SCCG Do?
Sachem Capital Corp., founded in January 2016 by Jeffrey C. Villano and John L. Villano, is a real estate finance company structured as a real estate investment trust (REIT). Headquartered in Branford, CT, the company specializes in originating, underwriting, funding, servicing, and managing a portfolio of short-term, secured loans. Sachem Capital targets real estate investors who require non-banking loans to finance the acquisition, renovation, rehabilitation, or development of residential and commercial properties. The company's core business revolves around providing these short-term loans, which are secured by the underlying real estate assets. Sachem Capital's integrated approach, encompassing the entire loan lifecycle from origination to servicing, allows it to maintain control over asset quality and manage risk effectively. The company's focus on short-term lending differentiates it from traditional mortgage REITs that typically invest in long-term mortgage-backed securities. This niche strategy allows Sachem Capital to cater to a specific segment of the real estate market, providing flexible and timely financing solutions for real estate projects. Sachem Capital Corp. operates primarily in the United States, focusing on markets where it can achieve attractive risk-adjusted returns on its loan portfolio.
What Products and Services Does SCCG Offer?
- Originates short-term, secured loans for real estate investors.
- Underwrites and funds loans for property acquisition.
- Provides financing for renovation and rehabilitation projects.
- Offers loans for residential and commercial property development.
- Services and manages its portfolio of loans.
- Provides non-banking loans to real estate investors.
How Does SCCG Make Money?
- Generates revenue through interest income on its loan portfolio.
- Focuses on short-term, high-yield lending opportunities.
- Manages risk through secured lending practices.
- Utilizes an integrated approach to loan origination and servicing.
What Industry Does SCCG Operate In?
Sachem Capital Corp. operates within the REIT - Mortgage industry, a segment of the broader real estate sector. The mortgage REIT industry is characterized by companies that invest in mortgages and mortgage-backed securities. Sachem Capital differentiates itself by focusing on short-term, secured loans for real estate investors, a niche market within the industry. The industry is influenced by interest rate trends, economic conditions, and real estate market dynamics. Sachem Capital's focus on short-term lending provides some insulation against interest rate risk compared to REITs that invest in long-term mortgages. The competitive landscape includes other mortgage REITs, private lenders, and traditional banks, but Sachem Capital's specialization and integrated approach provide a competitive edge.
Who Are SCCG's Key Customers?
- Real estate investors seeking short-term financing.
- Property developers requiring capital for projects.
- Individuals and companies involved in property renovation.
- Businesses looking to acquire commercial real estate.
Research confidence
Broad, current evidence sits behind this analysis.
- ● Scored on 100% of our measures
- ● Price is current
- ● Latest filing 37 days ago
- ● No analyst coverage
Why 37?
Measured against companies in the same sector. The figures below are the factor contributions the scoring engine itself produced.
What is helping
- +0.78 Return on invested capital (Business Quality)
- +0.54 Price to book (Valuation)
- +0.54 Dividend yield (Valuation)
What is holding it back
- -0.55 Net margin (Business Quality)
- -0.54 Earnings yield (Valuation)
- -0.53 Return on assets (Business Quality)
Risk penalties applied
- -0.91 Loss-making and burning cash
Contribution = how far the company sits from its sector on that measure, weighted by how much the pillar counts. Not investment advice. How the score is built →
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 37 |
| 2026-08-26 | 37 |
| 2026-08-29 | 37 |
| 2026-09-01 | 38 |
| 2026-09-04 | 37 |
| 2026-09-07 | 37 |
| 2026-09-10 | 37 |
What changed?
The score has stayed at 37.
What moved it up or down:
- -25 Momentum
- +23 Valuation
- -11 Business Quality
Over the same 18 days the stock moved +0.6%.
Company Profile
Sachem Capital Corp. 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. SCCG has traded publicly since 2022.
Sachem Capital Corp. Financial Trajectory
Sachem Capital Corp. (SCCG) reported $9.4M in revenue for Q2 FY2026, a decline of 16.1% compared to the prior quarter. The company recorded a net loss of $5.4M, with diluted EPS of $-0.11. Quarter-over-quarter revenue has been mixed, typical for a unknown company operating in Real Estate. Across the four most recent quarters, SCCG averaged $-0.04 in diluted EPS.
How Sachem Capital Corp. Is Valued
Relative to its peer group, SCCG's quantitative score of 37/100 is below the peer average of 55/100.
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 -4.5%, 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 -18.0%, 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 2.35 places it in the grey zone, a middle ground that warrants monitoring.
Earnings Track Record
Sachem Capital Corp. has missed Wall Street's EPS estimate in 5 of its last 8 reported quarters — a mixed record worth weighing. Reported results have landed about 766.8% below estimates on average.
Insider Activity
The most recent 11 insider filings for Sachem Capital Corp. break down as 2 sales and 9 purchases. On net that is roughly 568K shares acquired (about $201K) — insiders putting money in tends to read as conviction.
SCCG Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Specialization in short-term real estate loans
- Integrated loan origination and servicing
- High dividend yield
- Experienced management team
Bear Case
- High P/E ratio
- Sensitivity to interest rate fluctuations
- Reliance on real estate market conditions
- Small number of employees
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · September 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2026 | $9M | -$5M | -$0.11 |
| Q1 FY2026 | $11M | -$6M | -$0.13 |
| Q4 FY2025 | $11M | $3M | $0.05 |
| Q3 FY2025 | $12M | $997,000 | $0.02 |
Q2 FY2026 · filed 5 Aug 2026 · SEC EDGAR →
Based on FMP financials and quantitative analysis
SCCG Latest News
No recent news available for SCCG.
SCCG Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for SCCG.
Price Targets
Wall Street price target analysis for SCCG.
SCCG MoonshotScore
What does this score mean?
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. SCCG scores 37/100 (Grade D): the number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Leadership: John L. Villano
CEO
John L. Villano is a co-founder of Sachem Capital Corp. and has served as its Chief Executive Officer since its inception in January 2016. His background includes extensive experience in real estate finance and investment. Prior to founding Sachem Capital, Mr. Villano held various leadership positions in the real estate industry, focusing on lending and property management. His expertise in identifying and managing real estate investment opportunities has been instrumental in the growth and success of Sachem Capital.
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 integrated loan origination and servicing platform. His strategic decisions have contributed to the company's profitability and its ability to deliver attractive returns to shareholders.
Common Questions About SCCG (Real Estate)
What does the AI Score mean for SCCG?
SCCG holds an AI Score of 37/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers.
Is SCCG a good stock?
Stock Expert AI does not rate SCCG buy, sell or hold. Sachem Capital Corp. carries a MoonshotScore of 37/100 on the five-pillar engine, a research rating against its peers. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for SCCG?
Sachem Capital Corp. faces several risks inherent to the real estate lending market. Economic downturns could impact borrower's ability to repay loans, leading to increased defaults and losses.
What are the key factors to evaluate for SCCG?
Sachem Capital Corp. (SCCG) holds a MoonshotScore of 37/100 (low). Sachem Capital Corp. presents a focused investment opportunity within the mortgage REIT sector, driven by its specialization in short-term, secured real estate loans. Not financial advice.
How frequently does SCCG data refresh on this page?
SCCG's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven SCCG's recent stock price performance?
Sachem Capital Corp. (SCCG) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialization in short-term real estate loans. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SCCG overvalued or undervalued right now?
Sachem Capital Corp. (SCCG) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of SCCG?
Yes, most major brokerages offer fractional shares of Sachem Capital Corp. (SCCG) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track SCCG's earnings and financial reports?
Sachem Capital Corp. (SCCG) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for SCCG earnings announcements.
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.
- Limited analyst coverage may impact the availability of comprehensive financial analysis.
- The company's specialization in short-term lending may expose it to specific risks related to the real estate market.