NYSE$SACH
Sachem Capital Corp · Q4 2025 earnings
Q4 2025 earnings · · After market close · Investor relations
Briefing
Sachem Capital reported fiscal 2025 net income of $1.8M ($0.04 per share) with net interest income of $11.7M.
The mortgage REIT earned net income attributable to common shareholders of $1.8M ($0.04 per share) versus a $43.9M loss in 2024 as credit charges fell and large loan-sale losses did not repeat. Net interest income was $11.7M on lower average loans ($269M average balance, 12.0% yield). NIM compressed to 3.1%. The company issued $100M of 9.875% senior secured notes and sold its Westport office for ~$19.9M cash.
- FY2025 net income $1.8M ($0.04/share) vs prior-year loss.
- Net interest income $11.7M (-43% YoY) on smaller book.
- Net interest margin 3.1% (-130 bps).
- $100M senior secured notes issued; debt maturities extended.
- Book value per share $2.46; dividends $14M paid in 2025.
Headline financials
Revenue & EPS history
Sachem Capital · Revenue · Quarterly
$11.7M
Forward guidance
Management focuses on conservative underwriting, resolving legacy exposures, and originating high-quality secured loans while maintaining REIT distribution requirements (90% of taxable income).
Tailwinds
- Return to profitability after 2024 loss year.
- Lower credit-related charges vs 2024.
- Westport sale generated $19.9M cash and $4M gain.
- Senior notes diversified funding at 9.875%.
Headwinds
- Net interest income down on smaller loan book.
- NIM compression from higher cost of capital.
- Still navigating legacy credit exposures.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q4 2025
+0.2%
Avg return
Earnings day
-1.4%
Avg return
5 days after
-0.1%
Avg return
30 days after
46%
17 / 37 earnings
Positive
+37.6%
Q1 2026
Best reaction
-18.8%
Q4 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +37.6% | +19.8% | -7.6% | |
| Q4 2025 | +1.5% | -11.5% | -3.7% | |
| Q3 2025 | +1.0% | +0.9% | +2.8% | |
| Q2 2025 | -1.8% | -2.6% | +6.9% | |
| Q1 2025 | -3.9% | -6.5% | -4.2% | |
| Q4 2024 | -9.6% | +0.9% | -10.4% | |
| Q3 2024 | -8.2% | -15.4% | -32.8% | |
| Q2 2024 | -1.7% | -1.3% | +9.0% | |
| Q1 2024 | +0.3% | +1.6% | -6.6% | |
| Q4 2023 | -18.8% | -19.1% | -29.4% | |
| Q3 2023 | +2.6% | +3.5% | +12.5% | |
| Q2 2023 | -3.5% | -3.7% | +4.0% | |
| Q1 2023 | -7.5% | -6.3% | -0.6% | |
| Q4 2022 | +1.4% | -1.1% | -5.2% | |
| Q3 2022 | +11.7% | +7.5% | +4.5% | |
| Q2 2022 | -1.0% | +0.6% | -14.2% | |
| Q1 2022 | +1.9% | +1.9% | +7.3% | |
| Q4 2021 | +1.2% | -1.7% | -6.8% | |
| Q3 2021 | +2.1% | +1.6% | +1.2% | |
| Q2 2021 | -0.6% | -5.5% | +2.4% | |
| Q1 2021 | +0.0% | -2.3% | +0.0% | |
| Q4 2020 | +3.3% | +4.8% | -0.6% | |
| Q3 2020 | +5.0% | -0.2% | +3.9% | |
| Q2 2020 | +4.2% | +2.3% | -3.4% | |
| Q1 2020 | +24.5% | +6.1% | +39.3% | |
| Q4 2019 | -16.7% | -19.6% | +17.7% | |
| Q3 2019 | -1.6% | -1.2% | +5.4% | |
| Q2 2019 | -2.2% | -2.8% | -7.2% | |
| Q1 2019 | +3.1% | +4.9% | +17.7% | |
| Q4 2018 | -1.8% | +2.7% | +0.9% | |
| Q3 2018 | -5.4% | -4.4% | -5.6% | |
| Q2 2018 | +2.9% | +0.5% | +2.0% | |
| Q1 2018 | -2.7% | -0.5% | +10.9% | |
| Q4 2017 | -3.5% | +2.6% | +4.2% | |
| Q3 2017 | -6.7% | -10.3% | -6.7% | |
| Q2 2017 | +0.0% | +2.1% | -7.4% | |
| Q1 2017 | +1.9% | +0.8% | -3.3% |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro