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AGM 
Federal Agricultural Mortgage Corporation (AGM)
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Upturn Advisory Summary
12/01/2025: AGM (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $226.67
1 Year Target Price $226.67
| 1 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.86% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.87B USD | Price to earnings Ratio 9.79 | 1Y Target Price 226.67 |
Price to earnings Ratio 9.79 | 1Y Target Price 226.67 | ||
Volume (30-day avg) 2 | Beta 1.02 | 52 Weeks Range 155.00 - 210.65 | Updated Date 12/1/2025 |
52 Weeks Range 155.00 - 210.65 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 3.42% | Basic EPS (TTM) 17.55 |
Earnings Date
Report Date 2025-11-03 | When After Market | Estimate 4.54 | Actual 4.52 |
Profitability
Profit Margin 57.15% | Operating Margin (TTM) 70.23% |
Management Effectiveness
Return on Assets (TTM) 0.68% | Return on Equity (TTM) 13.72% |
Valuation
Trailing PE 9.79 | Forward PE 8.61 | Enterprise Value 32778448896 | Price to Sales(TTM) 4.96 |
Enterprise Value 32778448896 | Price to Sales(TTM) 4.96 | ||
Enterprise Value to Revenue 83.5 | Enterprise Value to EBITDA - | Shares Outstanding 9373642 | Shares Floating 10260472 |
Shares Outstanding 9373642 | Shares Floating 10260472 | ||
Percent Insiders 1.21 | Percent Institutions 85.02 |
Upturn AI SWOT
Federal Agricultural Mortgage Corporation
Company Overview
History and Background
Federal Agricultural Mortgage Corporation (Farmer Mac) was chartered by Congress in 1987 to provide a secondary market for agricultural real estate and rural infrastructure loans. It enhances the availability and affordability of credit to American agriculture.
Core Business Areas
- Farm & Ranch: Purchases or guarantees farm and ranch mortgage loans originated by lenders.
- USDA Guarantees: Purchases the guaranteed portions of agricultural loans guaranteed by the USDA.
- Rural Infrastructure: Finances infrastructure projects in rural communities.
- Institutional Investments: Manages a portfolio of investments related to agricultural finance.
Leadership and Structure
The company is led by a President and CEO, with a Board of Directors providing oversight. The organizational structure includes departments focused on each of the core business areas, as well as risk management, finance, and legal functions.
Top Products and Market Share
Key Offerings
- Farm & Ranch Mortgage-Backed Securities (MBS): Farmer Mac securitizes agricultural mortgages. Market share data is difficult to pinpoint directly as Farmer Mac operates in a niche market where precise share is not regularly published. Competitors include private lenders, insurance companies, and other government-sponsored enterprises involved in agricultural lending. Revenue for Farm & Ranch MBS constitutes a significant portion of Farmer Mac's overall revenue, figures vary with market dynamics.
- USDA Guarantees Loan Purchases: Farmer Mac purchases the guaranteed portions of loans guaranteed by the USDA, providing liquidity to lenders. Competitors are the lenders themselves and other financial institutions willing to hold USDA-guaranteed loans. Farmer Mac's volume in this area depends heavily on USDA loan origination volume.
Market Dynamics
Industry Overview
The agricultural finance industry is influenced by factors such as commodity prices, interest rates, farm incomes, and government policies. It is moderately competitive, with a mix of public and private players.
Positioning
Farmer Mac occupies a unique position as a government-sponsored enterprise (GSE) focused solely on agricultural finance. This gives it access to favorable funding and a mission to support rural America. Competitive advantage lies in their guarantee and the resulting lower risk profile for investors.
Total Addressable Market (TAM)
The TAM is estimated at hundreds of billions of dollars, encompassing the total agricultural debt outstanding. Farmer Mac's positioning allows them to access a substantial portion of this market by providing liquidity and credit enhancement.
Upturn SWOT Analysis
Strengths
- Government-sponsored enterprise status
- Specialized expertise in agricultural finance
- Access to capital markets
- Strong risk management practices
Weaknesses
- Dependence on government policy
- Exposure to agricultural commodity price volatility
- Concentration in a single industry
- Sensitivity to interest rate fluctuations
Opportunities
- Expansion into new agricultural sectors
- Growth in rural infrastructure financing
- Increased demand for agricultural credit
- Technological innovation in agricultural lending
Threats
- Changes in government regulations
- Economic downturn in the agricultural sector
- Increased competition from private lenders
- Natural disasters affecting agricultural production
Competitors and Market Share
Key Competitors
- AGM
- Various Private Lenders & Banks
Competitive Landscape
Farmer Mac's advantage lies in its GSE status, providing access to cheaper capital. Disadvantages compared to large banks is their narrow industry focus.
Growth Trajectory and Initiatives
Historical Growth: Farmer Mac has experienced steady growth in its loan portfolio and earnings over the past decade, driven by increased demand for agricultural credit and its ability to access capital markets.
Future Projections: Analyst estimates suggest continued growth for Farmer Mac, driven by the long-term trends in agricultural production and the company's strategic initiatives.
Recent Initiatives: Farmer Mac has recently focused on expanding its rural infrastructure financing business and investing in technology to improve its lending processes.
Summary
Farmer Mac is a stable GSE specializing in agricultural finance. Its government backing provides a competitive advantage, but its reliance on the agricultural sector presents risks. Recent growth initiatives are promising but require careful management. The market share compared to its competitors is competitive.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Federal Agricultural Mortgage Corporation (AGM) Investor Relations
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Federal Agricultural Mortgage Corporation
Exchange NYSE | Headquaters Washington, DC, United States | ||
IPO Launch date 1995-08-18 | CEO - | ||
Sector Financial Services | Industry Credit Services | Full time employees 191 | Website https://www.farmermac.com |
Full time employees 191 | Website https://www.farmermac.com | ||
Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through seven segments: Farm & Ranch, Corporate AgFinance, Power & Utilities, Broadband Infrastructure, Renewable Energy, Funding, and Investments. The company is involved in a line of agricultural finance business, including purchasing and retaining eligible loans and securities; guaranteeing the payment of principal and interest on securities that represent interests in, or obligations secured by pools of eligible loans; servicing eligible loans; and issuing long-term standby purchase commitments for designated eligible loans. It also engages in the purchasing and guaranteeing of securities issued by lenders and other financial institutions that are secured by pools of eligible loans, loans for electric or telecommunications facilities by lenders organized as cooperatives to borrowers; and loans to rural electric generation and transmission cooperatives and distribution cooperatives, as well as AgVantage securities secured by those types of loans. Federal Agricultural Mortgage Corporation was incorporated in 1987 and is headquartered in Washington, the District of Columbia.
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