JOE
BEARISH
$70.95
Live
The St. Joe Company · NYSE
$41.42
52W Range
$73.54
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 29, 2026
Market cap
$4.08B
P/E
35.65
ROE
15.3%
Profit margin
22.5%
Debt/Equity
0.74
Dividend yield
0.9%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
The St. Joe Company exhibits a stable financial health profile with a Piotroski F-Score of 4/9 and excellent liquidity (Current Ratio 4.09), but it is severely overvalued. The current price of $70.95 trades at a massive premium to both the Graham Number ($24.42) and the growth-based Intrinsic Value ($58.7). Most concerning is the forward P/E of 645.00 and a recent Q/Q EPS collapse of -122.2%, suggesting a sharp decline in profitability. Combined with heavy insider selling and a bearish technical trend, the risk-to-reward ratio is currently unfavorable.
Key Strengths
Strong liquidity with a Current Ratio of 4.09 and Quick Ratio of 3.63
Healthy operating margins of 30.60% and gross margins of 43.05%
Manageable leverage with a Debt/Equity ratio of 0.74
Strong 1-year price performance (+68.1%)
Positive ROE of 15.32%
Key Risks
Extreme valuation disconnect with a Forward P/E of 645.00
Severe recent earnings deterioration (Q/Q EPS Growth: -122.2%)
Heavy insider selling totaling $16.73M in the last 6 months
Price is significantly above the defensive Graham Number ($24.42)
Bearish technical trend (10/100) despite recent price gains
AI Fair Value Estimate
Based on comprehensive analysis
$52.5
-26.0% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
46
Moderate
20
30
75
65
40
AI Verdict
Overvalued with deteriorating earnings momentum
Key drivers: Forward P/E shock, EPS growth collapse, Insider divestment, Price-to-Intrinsic gap
Confidence
90%
Value
20/100
Stock is trading at a significant premium to all deterministic value metrics.
Positives
No standout positives identified.
Watchpoints
- P/E 35.65
- Forward P/E 645.00
- Price far exceeds Graham Number of $24.42
Future
30/100
Recent quarterly data suggests a massive earnings cliff despite historical YoY growth.
Positives
- YoY Revenue Growth 23.5%
Watchpoints
- Q/Q EPS Growth -122.2%
- YoY EPS Growth -125.0%
Past
75/100
Strong price appreciation over the last 12 months.
Positives
- 1Y Return +68.1%
- Consistent profit margins
Watchpoints
- Erratic earnings surprise history
Health
65/100
Balance sheet is robust, providing a safety cushion against bankruptcy.
Positives
- Current Ratio 4.09
- Debt/Equity 0.74
Watchpoints
- Piotroski F-Score 4/9 (Stable but not strong)
Dividend
40/100
Dividend is sustainable but provides negligible income.
Positives
- Low payout ratio (29.15%)
Watchpoints
- Very low yield (0.90%)
- Low dividend strength score (25/100)
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$70.95
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for JOE and closest competitors.
Updated 2026-04-28
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
JOE
The St. Joe Company
Primary
|
+62.8% | +77.9% | +68.1% | +40.6% | +13.2% | +3.7% |
|
NMRK
Newmark Group, Inc.
Peer
|
+56.5% | +153.0% | +48.1% | -11.9% | +9.1% | +7.4% |
|
CUZ
Cousins Properties Incorporated
Peer
|
-13.8% | +39.2% | -5.5% | -3.9% | +14.5% | +3.4% |
|
IRT
Independence Realty Trust, Inc.
Peer
|
+17.1% | +9.9% | -13.1% | +5.5% | +10.2% | +2.6% |
|
KRC
Kilroy Realty Corporation
Peer
|
-34.6% | +40.7% | +11.1% | -15.9% | +23.1% | +7.2% |
JOE
The St. Joe Company
Primary
5Y
+62.8%
3Y
+77.9%
1Y
+68.1%
6M
+40.6%
1M
+13.2%
1W
+3.7%
NMR
Newmark Group, Inc.
Peer
5Y
+56.5%
3Y
+153.0%
1Y
+48.1%
6M
-11.9%
1M
+9.1%
1W
+7.4%
CUZ
Cousins Properties Incorporated
Peer
5Y
-13.8%
3Y
+39.2%
1Y
-5.5%
6M
-3.9%
1M
+14.5%
1W
+3.4%
IRT
Independence Realty Trust, Inc.
Peer
5Y
+17.1%
3Y
+9.9%
1Y
-13.1%
6M
+5.5%
1M
+10.2%
1W
+2.6%
KRC
Kilroy Realty Corporation
Peer
5Y
-34.6%
3Y
+40.7%
1Y
+11.1%
6M
-15.9%
1M
+23.1%
1W
+7.2%
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
35.65
Forward P/E
645.0
PEG Ratio
-23.47
P/B Ratio
5.33
P/S Ratio
7.95
EV/Revenue
8.84
EV/EBITDA
23.41
Market Cap
$4.08B
Profitability
Profit margins and return metrics
Profit Margin
22.53%
Operating Margin
30.6%
Gross Margin
43.05%
ROE
15.32%
ROA
5.98%
Growth
Revenue and earnings growth rates
Revenue Growth
+23.5%
Earnings Growth
+59.4%
Q/Q Revenue Growth
+23.54%
Q/Q Earnings Growth
+58.2%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.74
Moderate
Current Ratio
4.09
Strong
Quick Ratio
3.63
Excellent
Cash/Share
$2.25
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Gross Margin
49.2%
Op. Margin
30.6%
Net Margin
23.2%
Total Assets
$1.5B
Liabilities
$0.7B
Equity
$0.8B
Debt/Equity
0.97x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
91%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2019-02-27
$-0.02
-100.0% surprise
2018-10-31
$0.09
+80.0% surprise
2018-08-01
$0.12
+141.7% surprise
Real Estate Sector Comparison
Comparing JOE against 182 companies in the Real Estate sector
(8 bullish, 37 neutral, 137 bearish)
P/E Ratio
35.65
This Stock
vs
41.46
Sector Avg
-14.0%
(Discount)
Return on Equity (ROE)
15.32%
This Stock
vs
-31.53%
Sector Avg
-148.6%
(Below Avg)
Profit Margin
22.53%
This Stock
vs
11.56%
Sector Avg
+94.9%
(Superior)
Debt to Equity
0.74
This Stock
vs
2.37
Sector Avg
-68.8%
(Less Debt)
Revenue Growth
23.5%
This Stock
vs
15378.59%
Sector Avg
-99.8%
(Slower)
Current Ratio
4.09
This Stock
vs
7.39
Sector Avg
-44.7%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
JOE
The St. Joe Company
|
BEARISH | $4.08B | 35.65 | 15.3% | 22.5% | $70.95 | |
|
NMRK
Newmark Group, Inc.
|
BULLISH | $4.03B | 23.13 | 9.4% | 3.8% | $15.73 | Compare |
|
CUZ
Cousins Properties Incorporated
|
BEARISH | $4.14B | 103.75 | 0.9% | 4.1% | $24.9 | Compare |
|
IRT
Independence Realty Trust, Inc.
|
BEARISH | $3.97B | 68.0 | 1.6% | 8.5% | $16.32 | Compare |
|
KRC
Kilroy Realty Corporation
|
NEUTRAL | $3.97B | 18.64 | 4.4% | 19.6% | $34.12 | Compare |
JOE
The St. Joe Company
BEARISH
Mkt Cap
$4.1B
P/E
35.7
ROE
15.3%
Price
$70.95
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-17 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 21,100 | $1,523,842 |
| 2026-03-04 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 1,400 | $102,900 |
| 2026-03-03 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 39,000 | $2,822,350 |
| 2026-03-02 | BAKUN MAREK | Chief Financial Officer | Stock Award | 3,702 | - |
| 2026-03-02 | GONZALEZ JORGE LUIS | Chief Executive Officer | Stock Award | 11,126 | - |
| 2026-03-02 | WALTERS ELIZABETH J | Officer | Stock Award | 3,075 | - |
| 2026-03-02 | GOFF RHEA | Officer and Director | Stock Award | 2,494 | - |
| 2026-02-20 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 16,000 | $1,139,546 |
| 2026-01-16 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 101,600 | $6,655,677 |
| 2025-12-17 | BERKOWITZ BRUCE R | Beneficial Owner of more than 10% of a Class of Security | Sale | 71,900 | $4,480,854 |
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2026-03-17
21,100 shares
·
$1,523,842
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2026-03-04
1,400 shares
·
$102,900
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2026-03-03
39,000 shares
·
$2,822,350
BAKUN MAREK
Chief Financial Officer
2026-03-02
3,702 shares
GONZALEZ JORGE LUIS
Chief Executive Officer
2026-03-02
11,126 shares
WALTERS ELIZABETH J
Officer
2026-03-02
3,075 shares
GOFF RHEA
Officer and Director
2026-03-02
2,494 shares
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2026-02-20
16,000 shares
·
$1,139,546
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2026-01-16
101,600 shares
·
$6,655,677
BERKOWITZ BRUCE R
Beneficial Owner of more than 10% of a Class of Security
2025-12-17
71,900 shares
·
$4,480,854
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
DEF 14A
10-K
8-K
10-Q
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Past News Coverage
Recent headlines mentioning JOE from our newsroom.
Newest → oldest
No matching news yet.