Overview Dividends

(AGM) Federal Agricultural - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3131483063

Loans, Securities, Guarantees, Funding

AGM EPS (Earnings per Share)

EPS Growth (3Y CAGR): 13.90%
EPS Trend (3Y Correlation): 77.9%

AGM Revenue

Revenue Growth (3Y CAGR): 1.79%
Revenue Trend (3Y Correlation): 23.3%

Risk via 10d forecast
Volatility	29.9%
Value at Risk 5%th	47.1%
Relative Tail Risk	-4.34%

Reward TTM
Sharpe Ratio	-0.74
Alpha	-31.54

Character TTM
Hurst Exponent	0.654
Beta	0.729
Beta Downside	0.637

Drawdowns 3y
Max DD	26.07%
Mean DD	8.72%
Median DD	8.16%

Description: AGM Federal Agricultural November 12, 2025

Federal Agricultural Mortgage Corporation (AGM) operates a secondary market that purchases, guarantees, and services a broad array of U.S. agricultural and rural-infrastructure loans, ranging from farm-and-ranch financing to broadband and renewable-energy projects.

The business is organized into seven segments-Farm & Ranch, Corporate AgFinance, Power & Utilities, Broadband Infrastructure, Renewable Energy, Funding, and Investments-each of which either buys eligible loans/securities, issues guarantees on pool-backed securities, or provides long-term standby purchase commitments to lenders.

Key drivers of AGM’s performance include USDA loan demand (which rose ~7% YoY in 2024), the spread between the Fed Funds rate and AGM’s weighted-average loan yield (currently about 210 bps), and government-backed infrastructure spending that fuels broadband and renewable-energy financing pipelines.

Recent KPIs show AGM’s loan portfolio at $34 bn with a net interest margin of 2.1% and a delinquency rate of 0.6%, both comfortably below the industry average of ~1.2% delinquency for agricultural lenders.

For a deeper, data-driven view of AGM’s valuation dynamics and scenario analysis, you may find ValueRay’s platform worth a quick look.

AGM Stock Overview

Market Cap in USD	1,725m
Sub-Industry	Commercial & Residential Mortgage Finance
IPO / Inception	1995-08-18
Return 12m vs S&P 500	-29.0%
Analyst Rating	4.0 of 5

AGM Dividends

Dividend Yield	3.59%
Yield on Cost 5y	9.84%
Yield CAGR 5y	15.02%
Payout Consistency	96.5%
Payout Ratio	34.7%

AGM Growth Ratios

CAGR 3y	13.20%
CAGR/Max DD Calmar Ratio	0.51
CAGR/Mean DD Pain Ratio	1.51
Current Volume	73.5k
Average Volume	59.8k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (216.0m TTM) > 0 and > 6% of Revenue (6% = 88.8m TTM)

FCFTA 0.01 (>2.0%) and ΔFCFTA 0.79pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -176.3% (prev 194.4%; Δ -370.7pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.01 (>3.0%) and CFO 344.2m > Net Income 216.0m (YES >=105%, WARN >=100%)

Net Debt (28.30b) to EBITDA (446.8m) ratio: 63.33 <= 3.0 (WARN <= 3.5)

Current Ratio 0.75 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (11.0m) change vs 12m ago 0.05% (target <= -2.0% for YES)

Gross Margin 38.61% (prev 26.29%; Δ 12.32pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.62% (prev 4.27%; Δ 0.36pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.03 (EBITDA TTM 446.8m / Interest Expense TTM 1.21b) >= 6 (WARN >= 3)

Altman Z'' -0.37

(A) -0.08 = (Total Current Assets 7.86b - Total Current Liabilities 10.47b) / Total Assets 33.38b

(B) 0.03 = Retained Earnings (Balance) 1.04b / Total Assets 33.38b

(D) 0.03 = Book Value of Equity 1.04b / Total Liabilities 31.69b

Total Rating: -0.37 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 54.82

1. Piotroski 3.0pt = -2.0

2. FCF Yield 1.47% = 0.74

3. FCF Margin 23.26% = 5.81

4. Debt/Equity 17.31 = -2.50

5. Debt/Ebitda 63.33 = -2.50

6. ROIC - WACC (= -1.22)% = -1.53

7. RoE 13.83% = 1.15

8. Rev. Trend 23.30% = 1.75

9. EPS Trend 77.88% = 3.89

What is the price of AGM shares?

As of November 15, 2025, the stock is trading at USD 164.13 with a total of 73,500 shares traded.
Over the past week, the price has changed by +0.13%, over one month by -0.58%, over three months by -12.13% and over the past year by -18.58%.

Is Federal Agricultural a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Federal Agricultural is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 54.82 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of AGM is around 162.53 USD . This means that AGM is currently overvalued and has a potential downside of -0.97%.

Is AGM a buy, sell or hold?

Federal Agricultural has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy AGM.

Strong Buy: 1
Buy: 0
Hold: 1
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the AGM price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	226.7	38.1%
Analysts Target Price	226.7	38.1%
ValueRay Target Price	171.5	4.5%

AGM Fundamental Data Overview November 10, 2025

Market Cap USD = 1.72b (1.72b USD * 1.0 USD.USD)
P/E Trailing = 9.3349
P/E Forward = 8.244
P/S = 4.5637
P/B = 1.5876
P/EG = 1.605
Beta = 1.02
Revenue TTM = 1.48b USD
EBIT TTM = 40.3m USD
EBITDA TTM = 446.8m USD
Long Term Debt = 18.86b USD (from longTermDebt, last fiscal year)
Short Term Debt = 10.15b USD (from shortTermDebt, last quarter)
Debt = 29.20b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 28.30b USD (from netDebt column, last quarter)
Enterprise Value = 23.34b USD (1.72b + Debt 29.20b - CCE 7.58b)
Interest Coverage Ratio = 0.03 (Ebit TTM 40.3m / Interest Expense TTM 1.21b)
FCF Yield = 1.47% (FCF TTM 344.2m / Enterprise Value 23.34b)
FCF Margin = 23.26% (FCF TTM 344.2m / Revenue TTM 1.48b)
Net Margin = 14.60% (Net Income TTM 216.0m / Revenue TTM 1.48b)
Gross Margin = 38.61% ((Revenue TTM 1.48b - Cost of Revenue TTM 908.4m) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 23.44%)
Tobins Q-Ratio = 0.70 (Enterprise Value 23.34b / Total Assets 33.38b)
Interest Expense / Debt = 1.09% (Interest Expense 316.9m / Debt 29.20b)
Taxrate = 17.52% (11.7m / 66.7m)
NOPAT = 33.2m (EBIT 40.3m * (1 - 17.52%))
Current Ratio = 0.75 (Total Current Assets 7.86b / Total Current Liabilities 10.47b)
Debt / Equity = 17.31 (Debt 29.20b / totalStockholderEquity, last quarter 1.69b)
Debt / EBITDA = 63.33 (Net Debt 28.30b / EBITDA 446.8m)
Debt / FCF = 82.21 (Net Debt 28.30b / FCF TTM 344.2m)
Total Stockholder Equity = 1.56b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.65% (Net Income 216.0m / Total Assets 33.38b)
RoE = 13.83% (Net Income TTM 216.0m / Total Stockholder Equity 1.56b)
RoCE = 0.20% (EBIT 40.3m / Capital Employed (Equity 1.56b + L.T.Debt 18.86b))
RoIC = 0.11% (NOPAT 33.2m / Invested Capital 31.17b)
WACC = 1.33% (E(1.72b)/V(30.92b) * Re(8.70%) + D(29.20b)/V(30.92b) * Rd(1.09%) * (1-Tc(0.18)))
Discount Rate = 8.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.09%
[DCF Debug] Terminal Value 74.71% ; FCFE base≈235.7m ; Y1≈219.1m ; Y5≈200.7m
Fair Price DCF = 341.2 (DCF Value 3.20b / Shares Outstanding 9.37m; 5y FCF grow -8.96% → 3.0% )
EPS Correlation: 77.88 | EPS CAGR: 13.90% | SUE: -0.10 | # QB: 0
Revenue Correlation: 23.30 | Revenue CAGR: 1.79% | SUE: 0.46 | # QB: 0

Additional Sources for AGM Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle