NYSEAMERICAN : SACH
Sachem Capital Corp. — Financial statements
Real Estate · REIT - Mortgage · United States
Last price 0.83 USD (Oct 30, 2026, 9:45 AM EDT) · Market cap 39.80M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 36.63M | 37.20M | 48.67M | 50.47M | 42.62M | 22.31M |
| Total Interest Expense | 25.54M | 25.39M | 27.80M | 29.19M | 21.55M | 10.42M |
| Net Interest Income | 11.09M | 11.81M | 20.87M | 21.28M | 21.07M | 11.88M |
| Commissions and Fees | 5.22M | 5.98M | 8.59M | 10.70M | 2.97M | 2.30M |
| Gain (Loss) on Sale of Investments | 737.00K | 1.57M | 178.00K | -2.44M | 1.35M | |
| Other Revenue | 1.81M | 2.19M | 234.00K | 3.58M | 1.81M | 142.03K |
| Revenue Before Loan Losses | 18.86M | 21.55M | 29.88M | 35.56M | 30.73M | 20.00M |
| Provision for Loan Losses | 9.26M | 2.27M | 31.81M | 5.59M | 105.00K | |
| Revenue | 9.60M | 19.28M | -1.93M | 29.97M | 30.62M | 20.00M |
| Salaries & Employee Benefits | 8.14M | 7.66M | 6.82M | 6.93M | 5.32M | 3.12M |
| Cost of Services Provided | 7.24M | 6.48M | 6.84M | 4.96M | 3.10M | 2.24M |
| Other Operating Expenses | 1.45M | 1.95M | 1.95M | 1.35M | 544.68K | 432.87K |
| Total Operating Expenses | 16.83M | 16.09M | 15.62M | 13.24M | 8.96M | 5.80M |
| Operating Income | -7.23M | 3.19M | -17.55M | 16.73M | 21.66M | 14.20M |
| EBT Excluding Unusual Items | -11.40M | 3.19M | -17.55M | 16.73M | 21.66M | 14.20M |
| Gain (Loss) on Sale of Investments | 51.00K | |||||
| Pretax Income | -7.94M | 6.31M | -39.57M | 15.90M | 20.91M | 13.32M |
| Net Income | -7.94M | 6.31M | -39.57M | 15.90M | 20.91M | 13.32M |
| Preferred Dividends & Other Adjustments | 4.48M | 4.47M | 4.30M | 3.79M | 3.69M | 1.85M |
| Net Income to Common | -12.41M | 1.84M | -43.88M | 12.10M | 17.22M | 11.46M |
| Shares Outstanding (Basic) | 47.09M | 46.89M | 47.41M | 44.24M | 37.74M | 26.32M |
| Shares Outstanding (Diluted) | 47.09M | 46.89M | 47.41M | 44.24M | 37.75M | 26.32M |
| EPS (Basic) | -0.26 | 0.04 | -0.93 | 0.27 | 0.46 | 0.44 |
| EPS (Diluted) | -0.26 | 0.04 | -0.93 | 0.27 | 0.46 | 0.44 |
| Free Cash Flow | -902.00K | 2.50M | 12.81M | 21.07M | 11.57M | 26.98M |
| Free Cash Flow Per Share | -0.02 | 0.05 | 0.27 | 0.48 | 0.31 | 1.02 |
| Dividend Per Share | 0.10 | 0.20 | 0.29 | 0.48 | 0.52 | 0.48 |
| Operating Margin | -75.27% | 16.55% | 55.82% | 70.75% | 71.01% | |
| Profit Margin | -129.30% | 9.52% | 40.39% | 56.24% | 57.32% | |
| Free Cash Flow Margin | -9.40% | 12.96% | 70.29% | 37.77% | 134.90% | |
| Revenue as Reported | 64.75M | 52.28M | 30.42M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 28.82M | 10.92M | 18.07M | 12.60M | 23.71M | 41.94M |
| Long-Term Investments | 35.04M | 40.07M | 55.46M | 80.81M | 55.41M | 66.69M |
| Loans & Lease Receivables | 328.65M | 366.00M | 369.67M | 491.57M | 460.63M | 292.30M |
| Other Receivables | 9.25M | 12.35M | 10.71M | 15.99M | 15.11M | 7.46M |
| Property, Plant & Equipment | 3.04M | 3.96M | 4.02M | 4.17M | 4.92M | 2.96M |
| Goodwill | 391.00K | 391.00K | 391.00K | 391.00K | 391.00K | |
| Other Intangible Assets | 130.00K | 130.00K | 698.00K | 698.00K | 130.40K | |
| Other Current Assets | 668.00K | 16.21M | 18.35M | 3.17M | 4.83M | 6.04M |
| Long-Term Deferred Charges | 387.00K | 387.00K | 54.55K | 264.45K | ||
| Other Long-Term Assets | 66.91M | 10.02M | 14.22M | 11.09M | 477.05K | 306.44K |
| Total Assets | 472.90M | 460.05M | 491.98M | 620.89M | 565.66M | 417.96M |
| Accounts Payable | 2.99M | 1.55M | 2.93M | 1.33M | 1.11M | 501.75K |
| Accrued Expenses | 949.00K | 1.03M | 525.00K | 482.00K | 323.42K | 164.73K |
| Short-Term Debt | 36.50M | 19.00M | 40.00M | 61.79M | 3.59M | 33.18M |
| Current Portion of Long-Term Debt | 51.03M | 50.34M | ||||
| Long-Term Debt | 218.73M | 208.50M | 261.24M | 309.89M | 323.34M | 180.40M |
| Long-Term Unearned Revenue | 4.36M | 4.64M | ||||
| Other Current Liabilities | 787.00K | 669.00K | 924.00K | 5.65M | 5.34M | 3.93M |
| Other Long-Term Liabilities | 3.12M | 4.02M | 4.71M | 11.66M | 9.89M | 15.07M |
| Total Liabilities | 314.11M | 285.11M | 310.32M | 390.82M | 347.95M | 237.88M |
| Common Stock | 48.00K | 48.00K | 47.00K | 47.00K | 41.09K | 32.73K |
| Additional Paid-In Capital | 258.33M | 257.90M | 256.96M | 249.83M | 226.22M | 185.52M |
| Retained Earnings | -99.59M | -83.02M | -75.35M | -20.11M | -8.00M | -4.99M |
| Comprehensive Income & Other | 316.00K | -561.49K | -476.02K | |||
| Total Common Equity | 158.79M | 174.94M | 181.65M | 230.07M | 217.71M | 180.08M |
| Shareholders' Equity | 158.79M | 174.94M | 181.65M | 230.08M | 217.71M | 180.08M |
| Total Liabilities & Equity | 472.90M | 460.05M | 491.98M | 620.89M | 565.66M | 417.96M |
| Total Debt | 306.26M | 277.84M | 301.24M | 371.69M | 326.93M | 213.58M |
| Net Cash (Debt) | -277.44M | -266.92M | -283.17M | -359.09M | -303.21M | -171.64M |
| Net Cash Per Share | -5.89 | -5.69 | -5.97 | -8.12 | -8.03 | -6.52 |
| Filing Date Shares Outstanding | 47.95M | 47.97M | 47.31M | 47.45M | 43.76M | 35.51M |
| Total Common Shares Outstanding | 47.95M | 47.68M | 46.97M | 46.77M | 41.09M | 32.73M |
| Working Capital | 275.13M | 332.88M | 372.42M | 454.08M | 493.91M | 309.97M |
| Book Value Per Share | 3.31 | 3.67 | 3.87 | 4.92 | 5.30 | 5.50 |
| Tangible Book Value | 158.27M | 174.41M | 180.56M | 228.99M | 217.18M | 180.08M |
| Tangible Book Value Per Share | 3.30 | 3.66 | 3.84 | 4.90 | 5.29 | 5.50 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | -7.94M | 6.31M | -39.57M | 15.90M | 20.91M | 13.32M |
| Depreciation & Amortization | 443.00K | 525.00K | 372.00K | 266.00K | 106.41K | 83.53K |
| Other Amortization | 1.46M | 2.20M | 2.46M | 2.89M | 2.10M | 1.29M |
| Gain on Sale of Loans & Receivables | -121.00K | -121.00K | 21.97M | |||
| Loss (Gain) From Sale of Investments | -737.00K | -1.57M | -178.00K | -51.00K | 2.44M | -284.77K |
| Asset Writedown & Restructuring Costs | 1.25M | 1.06M | 492.00K | 794.00K | 799.91K | 719.00K |
| Provision for Credit Losses | 9.26M | 2.27M | 31.81M | 5.59M | 105.00K | |
| Stock-Based Compensation | 839.00K | 840.00K | 863.00K | 823.00K | 495.01K | 191.32K |
| Change in Accounts Payable | 2.08M | -268.00K | 1.04M | 374.00K | 925.41K | 290.48K |
| Change in Unearned Revenue | -283.04K | 2.54M | ||||
| Change in Other Net Operating Assets | -2.33M | -4.48M | -5.71M | -2.82M | -11.79M | 11.36M |
| Other Operating Activities | -337.00K | 140.00K | -2.70M | 287.00K | ||
| Operating Cash Flow | -783.00K | 2.66M | 12.89M | 21.85M | 13.15M | 27.81M |
| Capital Expenditures | -119.00K | -162.00K | -77.00K | -784.00K | -1.58M | -822.32K |
| Sale of Property, Plant & Equipment | 19.87M | 19.87M | 9.00K | 1.30M | ||
| Investment in Securities | 15.45M | 16.96M | 25.22M | -24.53M | 8.69M | -29.59M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -11.00M | -11.61M | 56.67M | -37.85M | -168.44M | -136.68M |
| Other Investing Activities | -170.61K | -319.86K | ||||
| Investing Cash Flow | 30.47M | 29.35M | 79.91M | -72.49M | -159.54M | -166.00M |
| Short-Term Debt Issued | 58.20M | |||||
| Long-Term Debt Issued | 177.53M | 47.01M | 14.36M | 145.57M | 76.71M | |
| Total Debt Issued | 128.24M | 177.53M | 47.01M | 72.56M | 145.57M | 76.71M |
| Short-Term Debt Repaid | -29.59M | |||||
| Long-Term Debt Repaid | -199.17M | -119.80M | -30.10M | -24.91K | -1.05M | |
| Total Debt Repaid | -139.35M | -199.17M | -119.80M | -30.10M | -29.62M | -1.05M |
| Net Debt Issued (Repaid) | -11.11M | -21.64M | -72.79M | 42.46M | 115.96M | 75.66M |
| Issuance of Preferred Stock | 109.00K | 109.00K | 5.71M | 2.56M | 45.46M | |
| Preferred Share Repurchases | -70.00K | |||||
| Issuance of Common Stock | 2.05M | 20.45M | 39.29M | 56.06M | ||
| Repurchase of Common Stock | -1.49M | -226.00K | ||||
| Common Dividends Paid | -7.65M | -9.50M | -16.51M | -21.93M | -18.81M | -12.27M |
| Preferred Dividends Paid | -4.48M | -4.47M | -4.30M | -3.79M | -3.69M | -1.85M |
| Total Dividends Paid | -12.13M | -13.97M | -20.81M | -25.73M | -22.50M | -14.12M |
| Other Financing Activities | -210.00K | -3.65M | -4.52M | -2.34M | ||
| Financing Cash Flow | -23.34M | -39.15M | -87.33M | 39.52M | 128.16M | 160.72M |
| Net Cash Flow | 6.34M | -7.14M | 5.47M | -11.12M | -18.23M | 22.53M |
| Free Cash Flow | -902.00K | 2.50M | 12.81M | 21.07M | 11.57M | 26.98M |
| Free Cash Flow Margin | -9.40% | 12.96% | 70.29% | 37.77% | 134.90% | |
| Free Cash Flow Per Share | -0.02 | 0.05 | 0.27 | 0.48 | 0.31 | 1.02 |
| Cash Interest Paid | 23.11M | 22.68M | 25.30M | 26.62M | 19.29M | 9.10M |
| Cash Income Tax Paid | 63.00K | 63.00K | 115.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 39.59M | 49.60M | 67.45M | 169.63M | 134.63M | 171.95M |
| PE Ratio | 27.02 | 14.02 | 7.82 | 15.00 | ||
| PS Ratio | 4.10 | 2.57 | -34.99 | 5.66 | 4.40 | 8.60 |
| PB Ratio | 0.25 | 0.28 | 0.37 | 0.74 | 0.62 | 0.95 |
| P/FCF Ratio | 19.84 | 5.26 | 8.05 | 11.64 | 6.37 | |
| P/OCF Ratio | 18.63 | 5.23 | 7.76 | 10.24 | 6.18 | |
| Debt / Equity Ratio | 1.93 | 1.59 | 1.66 | 1.61 | 1.50 | 1.19 |
| Debt / FCF Ratio | 111.14 | 23.51 | 17.64 | 28.26 | 7.92 | |
| Net Debt / Equity Ratio | 1.75 | 1.53 | 1.56 | 1.56 | 1.39 | 0.95 |
| Net Debt / FCF Ratio | -307.59 | 106.77 | 22.10 | 17.05 | 26.21 | 6.36 |
| Quick Ratio | 3.98 | 5.36 | 8.98 | 7.51 | 48.20 | 9.05 |
| Current Ratio | 3.98 | 5.59 | 9.39 | 7.56 | 48.66 | 9.21 |
| Asset Turnover | 0.02 | 0.04 | 0.05 | 0.06 | 0.06 | |
| Return on Equity (ROE) | -4.71% | 3.54% | -19.22% | 7.10% | 10.51% | 10.21% |
| Return on Assets (ROA) | -1.63% | 1.32% | -7.11% | 2.68% | 4.25% | 4.13% |
| Earnings Yield | -31.93% | 12.72% | -58.66% | 9.37% | 15.53% | 7.75% |
| FCF Yield | -2.29% | 5.04% | 19.00% | 12.42% | 8.59% | 15.69% |
| Dividend Yield | 4.85% | 19.23% | 20.19% | 13.23% | 15.87% | 9.14% |
| Payout Ratio | 221.50% | 161.82% | 107.60% | 106.03% | ||
| Buyback Yield / Dilution | 0.06% | 1.10% | -7.16% | -17.21% | -43.40% | -19.02% |
| Total Shareholder Return | 4.93% | 20.32% | 13.03% | -3.98% | -27.52% | -9.88% |