Is AGM a good stock to buy right now?

Based on our 6-factor quantitative model, FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) receives a "Reduce" rating with a composite score of 45.5/100. It is ranked #2,515 out of 4,446 stocks. Key factor scores: Quality 58/100, Value 48/100, Momentum 30/100. The timing signal is "Bearish". This is quantitative analysis only — not investment advice.

What is the stock rating for AGM?

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) has a "Reduce" rating and 2-star score. The composite score of 45.5 ranks it #2,515 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is AGM in?

FEDERAL AGRICULTURAL MORTGAGE CORP operates in the Financials sector (Banking industry) with a market cap of $1.61 billion. It is classified as a small-cap stock.

Does AGM pay a dividend?

AGM does not currently pay a regular dividend. The company may be reinvesting profits for growth.

What is AGM's P/E ratio?

AGM has a trailing P/E ratio of 7.86x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is AGM?

AGM's quality factor score is 58/100. Gross margin: 0.0%. ROE: 12.2% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is AGM valued compared to peers?

AGM's value factor score is 48/100 (higher = cheaper). Key multiples: P/E 7.9x, EV/EBITDA 126.1x. Valuation is roughly in line with peers.

What is AGM's debt level?

AGM's debt-to-equity ratio is 1793%. Sector average: 121%. Elevated leverage increases credit risk.

AGM has a beta of 0.70, meaning it is less volatile than the market. Stability score: 72/100.

Does AGM have high short interest?

AGM's short interest factor score is 32/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

AGM Stock Analysis: Top Small-Cap Reduce (Score 45.5/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
AGM	+0.25%	+5.23%	-1.57%	-9.92%	-5.72%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	+0.32%	+1.63%	-1.91%	-9.56%	-35.25%	-	-	-
Alpha vs Sector	+1.34%	+2.73%	-2.99%	-2.61%	-16.31%	-	-	-

Metric	AGM	Benchmark
P/E Ratio	7.9x	-47%
EV/EBITDA	126.1x	+3767%
Price / Book	1.0x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
AGM FEDERAL AGRICULTURAL MORTGAGE CORP	46	58	48	30	7.9x	12.2%	0.0%	13.1%	2.9%	1,793.0x	$1.6B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.9%	0.9%	0.9%	0.9%	0.9%
Operating Margin %	0.2%	0.2%	0.2%	0.2%	0.3%	0.4%	0.1%	0.1%	0.1%	0.1%	0.1%
EBITDA Margin %	0.2%	0.2%	0.2%	0.2%	0.3%	0.4%	0.8%	0.9%	0.9%	0.9%	1.0%
Net Margin %	0.1%	0.1%	0.1%	0.1%	0.2%	0.3%	0.5%	0.6%	0.6%	0.5%	0.5%
FCF Margin %	-139.5%	-	-	-	-	-	-1,369.1%	-1,438.6%	-353.3%	-1,050.3%	250.6%
ROE %	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	0.0%	0.6%	0.7%	0.7%	0.7%	0.6%	0.1%	0.1%	0.1%	0.1%	0.1%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.9%

Operating Margin %

0.2%

0.3%

0.4%

0.1%

EBITDA Margin %

0.2%

0.3%

0.4%

0.8%

0.9%

1.0%

Net Margin %

0.1%

0.2%

0.3%

0.5%

0.6%

0.5%

FCF Margin %

-139.5%

-1,369.1%

-1,438.6%

-353.3%

-1,050.3%

250.6%

ROE %

0.1%

ROA %

0.0%

ROIC %

0.0%

0.6%

0.7%

0.6%

0.1%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$1.6B	$1.6B	$1.6B	$1.4B	$717M	$425M	$207M	$194M	$186M	$175M	$161M	$146M
	—	—	—	—	—	—	$191M	$173M	$174M	$158M	$140M	$126M
Gross Margin	0.0%	---	---	---	---	---	92.2%	89.2%	93.7%	90.0%	87.3%	86.2%
	—	—	—	—	—	—	$30M	$40M	$29M	$25M	$34M	$18M
Total Operating Expenses	—	$1.4B	$1.3B	$1.1B	$491M	$257M	—	—	—	—	—	—
	$257M	$256M	$258M	$253M	$226M	$168M	$16M	$21M	$12M	$18M	$20M	$20M
EBIT	$257M	$256M	$258M	$253M	$226M	$168M	$16M	$21M	$12M	$18M	$20M	$20M
EBITDA	$257M	$256M	$258M	$253M	$226M	$168M	$174M	$178M	$165M	$155M	$153M	$126M
Operating Margin	16.1%	15.9%	16.1%	18.2%	31.5%	39.5%	7.8%	10.8%	6.3%	10.0%	12.7%	13.8%
EBITDA Margin	16.1%	15.9%	16.1%	18.2%	31.5%	39.5%	84.4%	91.9%	88.7%	88.7%	95.1%	86.4%
	—	—	—	$1.1B	$446M	$204M	$313M	$472M	$370M	$243M	$172M	$139M
	—	$256M	$258M	$253M	$226M	$168M	—	—	—	—	—	—
Income Tax Expense	—	$48M	$51M	$53M	$48M	$35M	$29M	$29M	$28M	$46M	$42M	$34M
	$209M	$207M	$207M	$200M	$178M	$132M	$109M	$110M	$108M	$84M	$77M	$74M
Net Margin	13.1%	12.9%	12.9%	14.4%	24.9%	31.1%	53.5%	56.4%	58.1%	48.1%	48.1%	50.6%
	$16.73	$16.73	$16.59	$15.97	$14.00	$10.00	$8.31	$8.76	$8.91	$6.73	$6.12	$4.33
Diluted EPS	$16.73	$16.62	$16.44	$15.81	$13.87	$9.92	$8.31	$8.76	$8.91	$6.73	$6.12	$4.33
Weighted Avg Basic	—	11M	11M	11M	11M	11M	—	—	—	—	—	—
Weighted Avg Diluted	—	11M	11M	11M	11M	11M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$1.6B

$1.4B

$717M

$425M

$207M

$194M

$186M

$175M

$161M

$146M

—

$191M

$173M

$174M

$158M

$140M

$126M

Gross Margin

0.0%

---

92.2%

89.2%

93.7%

90.0%

87.3%

86.2%

—

$30M

$40M

$29M

$25M

$34M

$18M

Total Operating Expenses

—

$1.4B

$1.3B

$1.1B

$491M

$257M

—

$257M

$256M

$258M

$253M

$226M

$168M

$16M

$21M

$12M

$18M

$20M

EBIT

$257M

$256M

$258M

$253M

$226M

$168M

$16M

$21M

$12M

$18M

$20M

EBITDA

$257M

$256M

$258M

$253M

$226M

$168M

$174M

$178M

$165M

$155M

$153M

$126M

Operating Margin

16.1%

15.9%

16.1%

18.2%

31.5%

39.5%

7.8%

10.8%

6.3%

10.0%

12.7%

13.8%

EBITDA Margin

16.1%

15.9%

16.1%

18.2%

31.5%

39.5%

84.4%

91.9%

88.7%

95.1%

86.4%

—

$1.1B

$446M

$204M

$313M

$472M

$370M

$243M

$172M

$139M

—

$256M

$258M

$253M

$226M

$168M

—

Income Tax Expense

—

$48M

$51M

$53M

$48M

$35M

$29M

$28M

$46M

$42M

$34M

$209M

$207M

$200M

$178M

$132M

$109M

$110M

$108M

$84M

$77M

$74M

Net Margin

13.1%

12.9%

14.4%

24.9%

31.1%

53.5%

56.4%

58.1%

48.1%

50.6%

$16.73

$16.59

$15.97

$14.00

$10.00

$8.31

$8.76

$8.91

$6.73

$6.12

$4.33

Diluted EPS

$16.73

$16.62

$16.44

$15.81

$13.87

$9.92

$8.31

$8.76

$8.91

$6.73

$6.12

$4.33

Weighted Avg Basic

—

11M

—

Weighted Avg Diluted

—

11M

—

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does FEDERAL AGRICULTURAL MORTGAGE CORP Do?

Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through four segments: Farm & Ranch, USDA (United States Department of Agriculture) Guarantees, Rural Utilities, and Institutional Credit. The Farm & Ranch segment purchases and retains eligible mortgage loans that are secured by first liens on agricultural real estate; securitizes eligible mortgage loans, and guarantees the timely payment of principal and interest on securities representing interests in or obligations secured by pools of mortgage loans; and issues long-term standby purchase commitments (LTSPC) on designated eligible mortgage loans. The USDA Guarantees segment purchases portions of certain agricultural and rural development loans guaranteed by the USDA. The Rural Utilities segment purchases and guarantees securities that are backed by loans for electric or telecommunications facilities by lenders organized as cooperatives to borrowers; and purchases eligible rural utilities loans and guarantees of securities backed by those loans, as well as LTSPCs for pools of eligible rural utilities loans. The Institutional Credit segment guarantees and purchases general obligations of lenders and other financial institutions that are secured by pools of loans eligible under the Farmer Mac's Farm & Ranch, USDA Guarantees, or Rural Utilities lines of business. Federal Agricultural Mortgage Corporation was founded in 1987 and is headquartered in Washington, District of Columbia. FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) is classified as a small-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Bradford T. Nordholm and employs approximately 160 people, headquartered in Washington, District Of Columbia. With a market capitalization of $1.6B, AGM is one of the notable companies in the Financials sector.

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) Stock Rating — Reduce (April 2026)

As of April 2026, FEDERAL AGRICULTURAL MORTGAGE CORP receives a Reduce rating with a composite score of 45.5/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.AGM ranks #2,515 out of 4,446 stocks in our coverage universe. Within the Financials sector, FEDERAL AGRICULTURAL MORTGAGE CORP ranks #659 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

AGM Stock Price and 52-Week Range

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) currently trades at $158.16. The stock gained $0.40 (0.3%) in the most recent trading session. The 52-week high for AGM is $210.64, which means the stock is currently trading -24.9% from its annual peak. The 52-week low is $140.86, putting the stock 12.3% above its annual trough. Recent trading volume was 75K shares, suggesting relatively thin trading activity.

Is AGM Overvalued or Undervalued? — Valuation Analysis

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) carries a value factor score of 48/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 7.86x, compared to the Financials sector average of 14.88x — a discount of 47%. The price-to-book ratio stands at 0.96x, versus the sector average of 1.22x. The price-to-sales ratio is 1.03x, compared to 0.90x for the average Financials stock. On an enterprise value basis, AGM trades at 126.07x EV/EBITDA, versus 3.26x for the sector.

Overall, AGM's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

FEDERAL AGRICULTURAL MORTGAGE CORP Profitability — ROE, Margins, and Quality Score

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) earns a quality factor score of 58/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 12.2%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 0.6% versus the sector average of 1.2%.

On a margin basis, FEDERAL AGRICULTURAL MORTGAGE CORP reports gross margins of 0.0%. The operating margin is 16.1% (sector: 21.8%). Net profit margin stands at 13.1%, versus 17.7% for the average Financials stock. Revenue growth is running at 2.9% on a trailing basis, compared to 9.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

AGM Debt, Balance Sheet, and Financial Health

FEDERAL AGRICULTURAL MORTGAGE CORP has a debt-to-equity ratio of 1793.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.05x, suggesting adequate working capital coverage. Total debt on the balance sheet is $30.82B. Cash and equivalents stand at $901M.

AGM has a beta of 0.70, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for FEDERAL AGRICULTURAL MORTGAGE CORP is 72/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

FEDERAL AGRICULTURAL MORTGAGE CORP Revenue and Earnings History — Quarterly Trend

In TTM 2026, FEDERAL AGRICULTURAL MORTGAGE CORP reported revenue of $1.60B and earnings per share (EPS) of $16.73. Net income for the quarter was $209M. Gross margin was 0.0%. Operating income came in at $257M.

In FY 2025, FEDERAL AGRICULTURAL MORTGAGE CORP reported revenue of $1.61B and earnings per share (EPS) of $16.73. Net income for the quarter was $207M. Revenue grew 0.5% year-over-year compared to FY 2024. Operating income came in at $256M.

In Q3 2025, FEDERAL AGRICULTURAL MORTGAGE CORP reported revenue of $415M and earnings per share (EPS) of $4.45. Net income for the quarter was $55M. Revenue grew 1.9% year-over-year compared to Q3 2024. Operating income came in at $67M.

In Q2 2025, FEDERAL AGRICULTURAL MORTGAGE CORP reported revenue of $399M and earnings per share (EPS) of $4.50. Net income for the quarter was $55M. Revenue grew -1.2% year-over-year compared to Q2 2024. Operating income came in at $65M.

Over the past 8 quarters, FEDERAL AGRICULTURAL MORTGAGE CORP has demonstrated a growth trajectory, with revenue expanding from $404M to $1.60B. Investors analyzing AGM stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

AGM Dividend Yield and Income Analysis

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) does not currently pay a dividend. This is common among smaller companies in the Banking industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Financials dividend stocks may want to explore other Financials stocks or use the stock screener to filter by dividend yield.

AGM Momentum and Technical Analysis Profile

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) has a momentum factor score of 30/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 32/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

AGM vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) ranks #659 out of 891 stocks based on the Blank Capital composite score. This places AGM in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing AGM against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full AGM vs S&P 500 (SPY) comparison to assess how FEDERAL AGRICULTURAL MORTGAGE CORP stacks up against the broader market across all factor dimensions.

AGM Next Earnings Date

No upcoming earnings date has been announced for FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy AGM? — Investment Thesis Summary

The quantitative profile for FEDERAL AGRICULTURAL MORTGAGE CORP suggests caution. Momentum is weak at 30/100, a headwind for near-term performance. Low volatility (stability score 72/100) reduces downside risk.

In summary, FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) earns a Reduce rating with a composite score of 45.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on AGM stock.

Related Resources for AGM Investors

Explore more research and tools: AGM vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare AGM head-to-head with peers: AGM vs WTM, AGM vs OPY, AGM vs ACT.

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FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does FEDERAL AGRICULTURAL MORTGAGE CORP Do?

FEDERAL AGRICULTURAL MORTGAGE CORP (AGM) Stock Rating — Reduce (April 2026)

AGM Stock Price and 52-Week Range

Is AGM Overvalued or Undervalued? — Valuation Analysis

FEDERAL AGRICULTURAL MORTGAGE CORP Profitability — ROE, Margins, and Quality Score

AGM Debt, Balance Sheet, and Financial Health

FEDERAL AGRICULTURAL MORTGAGE CORP Revenue and Earnings History — Quarterly Trend

AGM Dividend Yield and Income Analysis

AGM Momentum and Technical Analysis Profile

AGM vs Competitors — Financials Sector Ranking and Peer Comparison

AGM Next Earnings Date

Should You Buy AGM? — Investment Thesis Summary

Related Resources for AGM Investors

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