Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
It is not possible to calculate the future cash flow value for
American Church Mortgage. This is due to cash flow or dividend data being
unavailable. The share price is
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.
The amount the stock market is willing to pay for
American Church Mortgage's
is considered below, and whether this is a fair price.
Price based on past earnings
American Church Mortgage's earnings available for a low price, and how does
this compare to other companies in the same industry?
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 Simply Wall St do have past financial data. You can see them here.
Show me the analysis anyway
The future performance of a company is measured in the same way as past
performance, by looking at estimated
and how much profit it is expected to make.
Future estimates come from
professional analysts. Just like forecasting the weather, they don’t always get
Expected Mortgage REITs industry annual growth in earnings.
Earnings growth vs Low Risk Savings
American Church Mortgage
expected to grow at an
Unable to compare American Church Mortgage's earnings growth to the low risk savings rate as no estimate data is available.
Growth vs Market Checks
Unable to compare American Church Mortgage's earnings growth to the United States of America market average as no estimate data is available.
Unable to compare American Church Mortgage's revenue growth to the United States of America market average as no estimate data is available.
Unable to determine if American Church Mortgage is high growth as no earnings estimate data is available.
Unable to determine if American Church Mortgage is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can
be gauged below. We look back 3 years and see if they were any good at
predicting what actually occurred. We also show the highest and lowest estimates
looking forward to see if there is a wide range.
While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access American Church Mortgage's filings and announcements here.
American Church Mortgage's performance over the past 5 years by checking for:
Has earnings increased in past 5 years? (1 check)
Has the earnings growth in the last year exceeded that of the
industry? (1 check)
Is the recent earnings growth over the last year higher than the average annual growth over the
past 5 years? (1 check)
Is the Return on Equity (ROE) higher than 20%? (1 check)
Is the Return on Assets (ROA) above industry average? (1 check)
Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent
earnings report. Some checks require at least 3 or 5 years worth of data.
American Church Mortgage
has a total score of
0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
A company's financial position is much like your own financial position,
it includes everything you own
The boxes below represent the relative size of what makes up
American Church Mortgage's finances.
The net worth of a company is the difference between its assets and liabilities.
American Church Mortgage is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
American Church Mortgage's long term commitments exceed its cash and other short term assets.
This treemap shows a more detailed breakdown of
American Church Mortgage's finances. If any of them are yellow this
indicates they may be out of proportion and red means they relate to one of the
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Low level of unsold assets.
Debt is not covered by short term assets, assets are 0.8x debt.
Nearly all companies have debt. Debt in itself isn’t
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.
The graphic below shows equity (available funds) and debt, we ideally want to
see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and
whether the level has increased over the past 5 years.
Management is one of the most important areas of a company. We look at
unreasonable CEO compensation, how long the team and board of directors have
been around for and insider trading.
TENURE AS CEO
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. Myers has been President, Treasurer and a director at Church Loan Advisors, Inc., a advisor of American Church Mortgage since 1994. He has been President and Secretary of American Investors Group, Inc. since 1996 and of its parent company, Apostle Holdings Corp. since 2000. Mr. Myers has been an officer of American Investors Group since 1989. He served as the Chief Financial Officer and Chief Accounting Officer at American Church Mortgage Co. until November 2, 2009 and served as its Treasurer from April 2001 to November 2, 2009. From 1980 to 1982, Mr. Myers served as an Attorney in the Division of Market Regulation of the U.S. Securities and Exchange Commission in Washington, D.C. and from 1982 to 1984, as an Attorney with the Division of Enforcement of the Securities and Exchange Commission in San Francisco. From January 1986 to January 1989, Mr. Myers served as Senior Vice President and General Counsel of Financial Planners Equity Corporation. From August 1984 to January 1986, he served as an Attorney at the San Francisco law firm of Wilson, Ryan and Compilongo where he specialized in corporate finance, securities and broker-dealer matters. He became affiliated with American Investors Group, Inc. in 1989. He served as Secretary of Church Loan Advisors, Inc. He has been an Executive Chairman of American Church Mortgage Co. since April 2001. He has been an Executive Director at American Church Mortgage Co. since October 2001. He has been a Director of American Investors Group, Inc. since 1996. He is a Member of the New York, California (inactive status) and Minnesota State Bar Associations. He holds General Securities Representative and General Securities Principal licenses with the National Association of Securities Dealers, Inc. Mr. Myers holds a Bachelor of Arts Degree in Political Science from the State University of New York at Binghamton in 1977 and a Juris Doctor Degree from the State University of New York at Buffalo School of Law in 1980.
Insufficient data for Phil to compare compensation growth.
Phil's remuneration is lower than average for companies of similar size in United States of America.
CFO & Treasurer
Board of Directors Tenure
Average tenure and age of the
American Church Mortgage
board of directors in years:
The average tenure for the American Church Mortgage board of directors is over 10 years, this suggests they are a seasoned and experienced board.
Board of Directors
Who owns this company?
Recent Insider Trading
No 3 month open market individual insider trading information.
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 instruments issued by churches and other non-profit religious organizations. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. American Church Mortgage Company was founded in 1994 and is based in Minnetonka, Minnesota.
Simply Wall Street Pty Ltd (ACN 600 056 611), is a Corporate Authorised Representative (Authorised Representative Number: 467183) of Sanlam Private Wealth Pty Ltd (AFSL No. 337927). Any advice contained in this website is general advice only and has been prepared without considering your objectives, financial situation or needs. You should not rely on any advice and/or information contained in this website and before making any investment decision we recommend that you consider whether it is appropriate for your situation and seek appropriate financial, taxation and legal advice. Please read our Financial Services Guide before deciding whether to obtain financial services from us.