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Upturn AI SWOT - About
AGM-A 
Federal Agricultural Mortgage Corporation (AGM-A)
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Upturn Advisory Summary
10/24/2025: AGM-A (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit -43.17% | Avg. Invested days 21 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.07B USD | Price to earnings Ratio 8.67 | 1Y Target Price - |
Price to earnings Ratio 8.67 | 1Y Target Price - | ||
Volume (30-day avg) - | Beta 1.01 | 52 Weeks Range 117.71 - 162.09 | Updated Date 06/29/2025 |
52 Weeks Range 117.71 - 162.09 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 4.28% | Basic EPS (TTM) 16.17 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 56.81% | Operating Margin (TTM) 69.29% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 13.51% |
Valuation
Trailing PE 8.67 | Forward PE 8.11 | Enterprise Value 30801158144 | Price to Sales(TTM) 5.8 |
Enterprise Value 30801158144 | Price to Sales(TTM) 5.8 | ||
Enterprise Value to Revenue 86.1 | Enterprise Value to EBITDA - | Shares Outstanding 1030780 | Shares Floating 10284497 |
Shares Outstanding 1030780 | Shares Floating 10284497 | ||
Percent Insiders 7.91 | Percent Institutions 48.53 |
Upturn AI SWOT
Federal Agricultural Mortgage Corporation
Company Overview
History and Background
Federal Agricultural Mortgage Corporation (Farmer Mac) was established in 1987 as part of the Agricultural Credit Act of 1987. Its mission is to increase the availability and affordability of credit to American agriculture.
Core Business Areas
- Farm & Ranch: Purchases agricultural mortgage loans from lenders, providing liquidity and expanding their lending capacity.
- USDA Guarantees: Guarantees portions of loans made by other lenders and guaranteed by the USDA, diversifying their risk and expanding their reach.
- Rural Infrastructure: Provides financing for essential rural infrastructure projects, such as utilities and community facilities.
- Institutional Investor Program: Offers programs for institutional investors to participate in agricultural mortgage-backed securities.
Leadership and Structure
Farmer Mac is led by a President and CEO. The company has a Board of Directors overseeing its operations. It's structured as a government-sponsored enterprise (GSE).
Top Products and Market Share
Key Offerings
- Farm & Ranch Loans: Farmer Mac purchases or guarantees loans secured by agricultural real estate. Market share in US agricultural mortgage debt is roughly 10-15%. Competitors include commercial banks, Farm Credit System, and insurance companies. Revenue is generated through interest income and guarantee fees.
- USDA Guarantees: Farmer Mac guarantees portions of USDA-guaranteed loans. The market share is about 20-25% of USDA guaranteed farm loans. Competitors include other lenders and guarantors. Revenue comes from guarantee fees.
- Rural Utilities Loans: Farmer Mac purchases and guarantees loans supporting infrastructure in rural communities. No specific market data is available. Competitors are Rural Utilities Service and commercial banks. Revenue from this product is through interest income and guarantee fees.
Market Dynamics
Industry Overview
The agricultural lending industry is characterized by fluctuating commodity prices, weather-related risks, and government policies. There is a high degree of competition among private banks, farm credit institutions, and government-sponsored enterprises.
Positioning
Farmer Mac is positioned as a provider of liquidity and stability to the agricultural credit market, offering competitive rates and efficient execution. Its competitive advantage lies in its GSE status, which allows for lower funding costs.
Total Addressable Market (TAM)
The TAM is the total US farm debt market, estimated at $536 billion in 2023. Farmer Mac's position within this TAM is as a facilitator and securitizer of agricultural mortgages, focusing on liquidity provision rather than direct origination for the most part.
Upturn SWOT Analysis
Strengths
- GSE status provides access to low-cost funding
- Experienced management team
- Strong relationships with agricultural lenders
- Established presence in the agricultural credit market
Weaknesses
- Dependence on government support
- Exposure to agricultural commodity price volatility
- Concentration of risk in the agricultural sector
- Limited product diversification
Opportunities
- Expansion into new agricultural lending markets
- Increased demand for rural infrastructure financing
- Growing adoption of agricultural technology
- Partnerships with fintech companies
Threats
- Changes in government regulations
- Economic downturn in the agricultural sector
- Increased competition from other lenders
- Rising interest rates
Competitors and Market Share
Key Competitors
- AGCO
- CNHI
- KUBT
Competitive Landscape
Farmer Mac benefits from its GSE status, which provides it with a cost of funds advantage. However, it faces competition from larger and more diversified financial institutions.
Growth Trajectory and Initiatives
Historical Growth: Farmer Mac has experienced steady growth in its loan portfolio and earnings over the past decade, driven by increasing demand for agricultural credit and its ability to access low-cost funding.
Future Projections: Analysts project continued growth in revenue and earnings, supported by favorable trends in the agricultural sector and expansion into new lending markets. Expecting around 3-5% annual revenue growth.
Recent Initiatives: Recent strategic initiatives include expanding its rural infrastructure lending program, enhancing its technology platform, and strengthening its relationships with agricultural lenders.
Summary
Farmer Mac is a stable GSE benefiting from its unique position in the agricultural credit market. It shows steady growth, healthy financials and a commitment to shareholder returns. Its reliance on government support and commodity price volatility remain key risks. Expansion into new markets and strategic partnerships are good growth vectors for the future.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Financial Reports
- SEC Filings
- Analyst Estimates
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and professional advice.
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 1996-05-30 | President & CEO Mr. Bradford Todd Nordholm | ||
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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