Sachem Capital Corp (SACH) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Sachem Capital Corp stock $2.05, price $0.82, upside +150.3%, quality 50 out of 100. Rating: strongly undervalued. Calculated from audited financials with 15 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $0.7009 – $3.56 · fair‑value band $0.7260 – $5.75 · the $0.8190 price screens below the $2.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 8, 2026.
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Sachem Capital Corp. operates as a real estate finance company in the United States. It engages in the originating, underwriting, funding, servicing, and managing a portfolio of short-term loans secured by first mortgage liens on real property. The company also offers non-bank loans.
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It serves real estate investors and developers to fund their acquisition, renovation, rehabilitation, development, and improvement of residential or commercial properties. The company was formerly known as HML Capital Corp. and changed its name to Sachem Capital Corp. in December 2016.
Sachem Capital Corp. was founded in 2010 and is headquartered in Branford, Connecticut.
Stock analysis
Sachem Capital Corp (SACH) currently trades at $0.8190, while our model-based Fair Value estimate is $2.05, implying the stock looks roughly 60% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $4.68 per share, and 12 of the 14 models we run sit above the $0.8190 price.
Bear case: the Multiples group reads lowest at $1.80, and 2 of the 14 models stay below the price. Data coverage for this calculation is low.
Scenario range: $0.7260 (bear) to $5.75 (bull), the price of $0.8190 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Real Estate sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Sachem Capital Corp reported revenue of $47.1M in FY2025 versus $20.0M in FY2021, a compound +23.8%/yr. Reported net income was $6.3M in FY2025, compounding −17.0%/yr from FY2021.
Key figures
Market cap $38.7M Micro · P/S ratio 4.09 · EPS (TTM) $−0.2600 · Dividend yield 12.2% · Net margin 13.4% · Return on equity −4.7% · Return on assets (EBIT) 2.7% (5-year average) · Operating margin −618%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 16 out of 100 (medium confidence).
What moves the price
The share trades about 39% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 56% fair-value upside, at 150%, SACH screens cheaper than that median.
Fair Value models
Bear$0.7260Fair Value $2.05Bull$5.75
Price $0.8190 · Upside +150.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, no officer or director bought or sold shares on the open market.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−18.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.2%
Start year 2020 (pandemic). Over 10 years: +33.8% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+36.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−19.3%
Dividend (yield on the price)12.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−19.8% vs −6.7%, slowing
Profit margin 2018 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.78% → 59%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+48.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +44.5% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 31 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score50 · Above median
Fair Value upside+150.3% · Top 25%
Profitability
Return on assets1.4% · Above median
Net margin (12 months)−82.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−91.3% · Bottom 25%
Dividend yield (12 months)12.2% · Bottom 25%
Balance sheet
Debt / equity1.48× · Below median
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Sachem Capital Corp Fair Value". https://www.fairvalue-calculator.com/stock/SACH
Frequently asked questions
Is Sachem Capital Corp (SACH) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $2.05 versus a price of $0.8190, about +150% upside (undervalued).
What is the fair value of SACH?
Our model-based fair value for Sachem Capital Corp is $2.05 (as of Nov 8, 2026), built from audited fundamentals. The current price: $0.8190.
What is the quality score of SACH?
Sachem Capital Corp has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sachem Capital Corp (SACH)?
Our model-based price target is the fair value of $2.05 (as of Nov 8, 2026) from 15 valuation models. Cautious scenario $0.7260, optimistic scenario $5.75. It is a calculation from audited fundamentals, not an analyst target.
What is the Sachem Capital Corp stock forecast for 2026?
Our models put fair value at $2.05, about +150% upside versus a price of $0.8190 (undervalued). Cautious scenario $0.7260, optimistic scenario $5.75. The calculation is refreshed regularly with new filings.
Does Sachem Capital Corp pay a dividend?
Sachem Capital Corp currently shows a dividend yield of 12.21% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Sachem Capital Corp (SACH) and when is the ex-dividend date?
Sachem Capital Corp pays a dividend of $0.1 per share a year, a dividend yield of 12.2%. The last ex-dividend date was Sep 15, 2026. A dividend has been paid every year since at least 2017. The payout ratio is 65.9% of earnings (on adjusted earnings, reported 76.0%). Free cash flow covers the dividend 0.52 times. Our assessment: Watch coverage. The dividend isn’t fully covered by free cash flow or earnings, part of it is funded from reserves or debt. Fine for now, but worth watching: if it stays uncovered, the dividend could be cut.
What growth is priced into Sachem Capital Corp (SACH)?
For today's price to be fair in a discounted-cash-flow model, Sachem Capital Corp would have to grow free cash flow by +48.0 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +29.2 % per year. As of Nov 8, 2026.
What discount rate (WACC) does the fair value of SACH use?
Our models discount Sachem Capital Corp at 10.5 %: a base by market capitalisation (nano), damped by beta 1.32, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sachem Capital Corp that is +48.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has Sachem Capital Corp (SACH) delivered so far?
Over the past 5 years revenue at Sachem Capital Corp grew +29.2 % a year. The price currently implies free-cash-flow growth of +48.0 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sachem Capital Corp (SACH) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Sachem Capital Corp (+48.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sachem Capital Corp (SACH)?
The free-cash-flow yield on the price is 6.46 %: that much free cash flow Sachem Capital Corp produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sachem Capital Corp (SACH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sachem Capital Corp it is $2.05 per share (as of Nov 8, 2026), against a price of $0.8190. It is the blended result of 15 valuation models in 6 families (DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Sachem Capital Corp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, SACH trades below its calculated fair value: price $0.8190, fair value $2.05, a gap of about +150% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SACH?
No. The price is what the market pays today ($0.8190); the fair value is what the company's own numbers justify ($2.05). For Sachem Capital Corp the two are $1.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sachem Capital Corp worth?
The market values Sachem Capital Corp at about $38.7M (market capitalisation, as of Nov 8, 2026). Per share that is $0.8190; our models calculate a fair value of $2.05 per share.
What do the bullish and bearish scenarios say about SACH?
Our models span a range for Sachem Capital Corp: cautious scenario $0.7260, base $2.05, optimistic $5.75 per share (as of Nov 8, 2026, price $0.8190). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of SACH?
The PEG ratio of Sachem Capital Corp is 0.15 (P/E divided by earnings growth, as of Nov 8, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Sachem Capital Corp (SACH)?
Balance-sheet figures for Sachem Capital Corp (as of Nov 8, 2026): return on equity −4.7%, debt of 1.48 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is SACH from its 52-week high?
Sachem Capital Corp trades at $0.8190, about 39% below its 52-week high of $1.35 and 7% above the low of $0.7662 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $2.05 is for.
Which stocks are comparable to Sachem Capital Corp?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Rithm Capital Corp, Starwood Property Trust, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sachem Capital Corp stock attractive at the current price?
The data as of Nov 8, 2026: price $0.8190, calculated fair value $2.05 (+150%), Quality Score 50/100, from 15 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SACH calculated?
We run Sachem Capital Corp through 15 models from 6 families: DCF Models, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $2.05 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Sachem Capital Corp currently trades 60% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sachem Capital Corp (SACH)?
The closing price on Nov 6, 2026 was $0.8190. Our model-based fair value is $2.05, about +150% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sachem Capital Corp right now?
The model range is unusually wide ($0.7260 to $5.75). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Sachem Capital Corp
How large is the market capitalisation of Sachem Capital Corp (SACH)?
The market capitalisation of Sachem Capital Corp is $38.7M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sachem Capital Corp (SACH)?
The price-to-sales ratio of Sachem Capital Corp is 4.09 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sachem Capital Corp (SACH)?
Earnings per share at Sachem Capital Corp are $−0.2600. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sachem Capital Corp (SACH)?
The dividend yield of Sachem Capital Corp is 12.2% (payout 65.9%, on adjusted earnings, reported 76.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sachem Capital Corp (SACH)?
The net margin of Sachem Capital Corp is 13.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sachem Capital Corp (SACH)?
The return on equity (ROE) of Sachem Capital Corp is −4.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sachem Capital Corp (SACH)?
On an EBIT basis the return on assets of Sachem Capital Corp is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sachem Capital Corp (SACH)?
The operating margin of Sachem Capital Corp is −618% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sachem Capital Corp (SACH)?
Revenue at Sachem Capital Corp is growing −91.3% versus a year earlier (3y avg −3.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sachem Capital Corp (SACH)?
Earnings per share at Sachem Capital Corp are growing −21.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Sachem Capital Corp (SACH) carry?
The net debt of Sachem Capital Corp is $267M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 8, 2026