ADAML Adamas Trust, Inc. - Fundamental Analysis
BEARISH
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ADAML Stock | Fundamental Analysis & Investment Insights
NASDAQ
Real Estate
REIT - Mortgage
Current Price
Live
$23.47
52W High
$23.55
52W Low
$19.36
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Feb 14, 2026
Market cap
N/A
P/E
N/A
ROE
3.5%
Profit margin
29.6%
Debt/Equity
7.71
Dividend yield
7.32%
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
85%
Analysis Accuracy
ADAML's Piotroski F-Score of 4/9 indicates weak financial health, signaling deterioration in operational efficiency and profitability sustainability. The absence of an Altman Z-Score raises concern about default risk, especially given a dangerously high Debt/Equity ratio of 7.71 and extremely high current/quick ratios (35.37 and 33.65), which suggest liquidity mismanagement or non-operational cash hoarding. Despite strong gross and operating margins, ROE and ROA are critically low, reflecting poor capital utilization. The stock trades at a premium Price/Book of 2.49, with no intrinsic value or Graham Number available, implying valuation is driven by speculative growth expectations rather than fundamentals. The 7.32% dividend yield is attractive but unsupported by stable earnings growth and lacks a clear payout ratio, increasing sustainability risk.
Key Strengths
High gross and operating margins (62.39% and 44.72%) indicate strong pricing power and cost control
Consistent revenue growth of 14.20% YoY suggests stable business activity
Strong historical price performance with 5Y and 3Y returns of +36.0% and +54.8%
Attractive dividend yield of 7.32% appeals to income investors
Peer benchmarking shows competitive performance relative to similar REITs in the mortgage sector
Key Risks
Piotroski F-Score of 4/9 indicates weak financial health and declining operational efficiency
Debt/Equity ratio of 7.71 is extremely high, signaling significant financial leverage and distress risk
ROE (3.55%) and ROA (0.48%) are near zero, indicating poor return on equity and assets
No available Altman Z-Score raises unquantified bankruptcy risk, especially with high leverage
Liquidity ratios (Current/Quick) are implausibly high (35+), suggesting non-standard or non-operational cash positions
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
44
Moderate
35
50
68
25
40
AI Verdict
cautious
Key drivers: High leverage and weak profitability metrics, Attractive yield but questionable payout sustainability, Strong revenue growth but stagnant earnings growth, Poor capital efficiency (low ROE/ROA), Lack of valuation anchors (no Graham Number or intrinsic value)
Confidence
88%
Value
35/100
Ref P/E, PEG, Graham Number
Positives
- Price/Book of 2.49 is below sector average (49.55 P/E), but this is misleading due to sector-wide anomalies
- Dividend yield of 7.32% is above sector median
Watchpoints
- No PEG, P/E, or Graham Number available for valuation anchoring
- Price/Book is elevated relative to low profitability and ROE
- No intrinsic value model applicable due to lack of growth assumptions
Future
50/100
Ref Growth rates
Positives
- 14.20% YoY revenue growth suggests continued business expansion
- Q/Q earnings growth of 4.60% shows some momentum
Watchpoints
- Earnings growth is only 0.60% YoY, indicating profit stagnation despite revenue growth
- No forward P/E or earnings guidance limits future visibility
- High leverage may constrain future investment and growth
Past
68/100
Ref Historical trends
Positives
- 5-year price return of +36.0% and 3-year return of +54.8% reflect strong historical performance
- Consistent 1-year and 6-month returns above sector average
Watchpoints
- Historical outperformance may be unsustainable given deteriorating fundamentals
- High current/quick ratios in past may indicate non-operational cash accumulation
Health
25/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- High gross and operating margins suggest operational discipline
Watchpoints
- Piotroski F-Score of 4/9 indicates weak financial health
- No Altman Z-Score available, but Debt/Equity of 7.71 is dangerously high
- ROE and ROA are near zero, indicating poor capital use
- Liquidity ratios are implausibly high, suggesting financial distortion
Dividend
40/100
Ref Yield, Payout
Positives
- 7.32% dividend yield is attractive for income investors
- Consistent dividend payments likely supported by stable revenue
Watchpoints
- Payout ratio is unavailable, making sustainability uncertain
- Earnings growth is negligible (0.60% YoY), undermining long-term payout capacity
- High leverage increases risk of dividend cuts during downturns
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$23.47
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ADAML and closest competitors.
Updated 2026-02-13
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ADAML
Adamas Trust, Inc.
Primary
|
+36.0% | +54.8% | +14.6% | +10.9% | +1.6% | +0.8% |
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
N/A
PEG Ratio
N/A
P/B Ratio
2.49
P/S Ratio
N/A
EV/Revenue
61.43
EV/EBITDA
N/A
Market Cap
N/A
Profitability
Profit margins and return metrics
Profit Margin
29.58%
Operating Margin
44.72%
Gross Margin
62.39%
ROE
3.55%
ROA
0.48%
Growth
Revenue and earnings growth rates
Revenue Growth
+14.2%
Earnings Growth
+0.6%
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
+4.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
7.71
High debt
Current Ratio
35.37
Strong
Quick Ratio
33.65
Excellent
Cash/Share
$2.08
Real Estate Sector Comparison
Comparing ADAML against 56 companies in the Real Estate sector
(1 bullish, 9 neutral, 46 bearish)
Return on Equity (ROE)
3.55%
This Stock
vs
-75.75%
Sector Avg
-104.7%
(Below Avg)
Profit Margin
29.58%
This Stock
vs
24.96%
Sector Avg
+18.5%
(Superior)
Debt to Equity
7.71
This Stock
vs
3.28
Sector Avg
+135.4%
(Higher)
Revenue Growth
14.2%
This Stock
vs
108.53%
Sector Avg
-86.9%
(Slower)
Current Ratio
35.37
This Stock
vs
8.3
Sector Avg
+326.3%
(Stronger)
Past News Coverage
Recent headlines mentioning ADAML from our newsroom.
Newest → oldest
No matching news yet.