American Church Mortgage Company engages in making mortgage loans to churches and other non-profit religious organizations in the United States.
+ 2 more risks
Questionable track record unattractive dividend payer.
Share Price & News
How has American Church Mortgage's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ACMC's share price has been volatile over the past 3 months.
7 Day Return
US Mortgage REITs
1 Year Return
US Mortgage REITs
Return vs Industry: ACMC underperformed the US Mortgage REITs industry which returned -33.3% over the past year.
Return vs Market: ACMC underperformed the US Market which returned 17.1% over the past year.
Price Volatility Vs. Market
How volatile is American Church Mortgage's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is American Church Mortgage undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate ACMC's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate ACMC's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: ACMC's PE Ratio (19.8x) is in line with the US Mortgage REITs industry average.
PE vs Market: ACMC is poor value based on its PE Ratio (19.8x) compared to the US market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate ACMC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: ACMC is good value based on its PB Ratio (0.2x) compared to the US Mortgage REITs industry average (0.8x).
How is American Church Mortgage forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as American Church Mortgage has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Take a look at our analysis of ACMC’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on theOTC Markets Website. If you are looking for more of a qualitative research into the company, you can access American Church Mortgage's filings and announcementshere.
- Explore growth companies in the Diversified Financials industry.
How has American Church Mortgage performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ACMC has a large one-off loss of $150.0K impacting its March 31 2020 financial results.
Growing Profit Margin: ACMC became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: ACMC has become profitable over the past 5 years, growing earnings by 29.3% per year.
Accelerating Growth: ACMC has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: ACMC has become profitable in the last year, making it difficult to compare its past year earnings growth to the Mortgage REITs industry (-49.4%).
Return on Equity
High ROE: ACMC's Return on Equity (1.1%) is considered low.
How is American Church Mortgage's financial position?
Financial Position Analysis
Short Term Liabilities: ACMC's short term assets ($18.2M) exceed its short term liabilities ($719.2K).
Long Term Liabilities: ACMC's short term assets ($18.2M) do not cover its long term liabilities ($25.3M).
Debt to Equity History and Analysis
Debt Level: ACMC's debt to equity ratio (250.3%) is considered high.
Reducing Debt: ACMC's debt to equity ratio has increased from 223.6% to 250.3% over the past 5 years.
Debt Coverage: ACMC's debt is not well covered by operating cash flow (2%).
Interest Coverage: Insufficient data to determine if ACMC's interest payments on its debt are well covered by EBIT.
What is American Church Mortgage current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ACMC's dividend (21.48%) is higher than the bottom 25% of dividend payers in the US market (1.6%).
High Dividend: ACMC's dividend (21.48%) is in the top 25% of dividend payers in the US market (4.3%)
Stability and Growth of Payments
Stable Dividend: ACMC's dividend payments have been volatile in the past 10 years.
Growing Dividend: ACMC's dividend payments have fallen over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (403.9%), ACMC's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Phil Myers (64 yo)
Mr. Philip J. Myers serves as the Chief Executive Officer of American Church Mortgage Company. Mr. Myers has also been President and Secretary of American Church Mortgage Company since April 2001. Mr. Myer ...
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
American Church Mortgage Company's company bio, employee growth, exchange listings and data sources
- Name: American Church Mortgage Company
- Ticker: ACMC
- Exchange: OTCPK
- Founded: 1994
- Industry: Mortgage REITs
- Sector: Diversified Financials
- Market Cap: US$2.265m
- Shares outstanding: 1.68m
- Website: https://church-loans.squarespace.com
Number of Employees
- American Church Mortgage Company
- 10400 Yellow Circle Drive
- Suite 102
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|ACMC||OTCPK (Pink Sheets LLC)||Yes||Common Stock||US||USD||Jun 2002|
American Church Mortgage Company engages in making mortgage loans to churches and other non-profit religious organizations in the United States. It also selects and invests in mortgage-secured debt instrum ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/13 00:07|
|End of Day Share Price||2020/08/10 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.