(RCB) Ready Capital - Ratings and Ratios
Exchange: NYSE • Country: USA • Currency: USD • Type: Common Stock •
RCB: Loans, Mortgages, Securities, Investments, Finance, Properties
Ready Capital Corporation (NYSE: RCB) is a key player in the U.S. real estate finance sector, specializing in niche lending areas that are often overlooked by larger financial institutions. The company operates through four distinct segments, each targeting specific opportunities in the market. Its Loan Acquisitions segment focuses on purchasing both performing and non-performing small balance commercial (SBC) loans, which are typically collateralized by properties with stabilized cash flows or those in need of repositioning. This strategy allows RCB to capitalize on undervalued or distressed assets, often at a discount to their intrinsic value.
The SBC Originations segment is where RCB originates new loans secured by investor properties, including multi-family housing, retail, office, and industrial assets. These loans are often used by investors to acquire or renovate properties, with terms tailored to their specific needs. The company’s ability to originate these loans through various channels—such as direct relationships, mortgage brokers, and its own origination platform—gives it a competitive edge in this space. By focusing on smaller loan sizes, RCB can provide more personalized service while avoiding the intense competition seen in larger commercial mortgage markets.
For small business owners, RCB offers SBA loans, which are guaranteed by the Small Business Administration (SBA). These loans are attractive because they often require lower down payments and offer more flexible terms compared to conventional loans. The SBA Originations, Acquisitions, and Servicing segment not only originates these loans but also acquires them from other lenders, allowing RCB to build a diversified portfolio of SBA assets. The government guarantee on these loans reduces risk, making them a stable source of income for the company.
The Residential Mortgage Banking segment rounds out RCB’s offerings, focusing on originating mortgage loans for single-family homes and multi-family properties through retail, correspondent, and broker channels. This segment provides diversification for the company, reducing its reliance on any one type of loan product. By servicing these loans, RCB is able to generate additional income through interest and fees.
As a Real Estate Investment Trust (REIT), RCB is required to distribute at least 90% of its taxable income to shareholders, which makes it an attractive option for income-focused investors. The company’s structure allows it to avoid federal corporate income taxes, enabling it to reinvest more capital into its business or distribute higher dividends to its shareholders. This tax-efficient structure is a key advantage for RCB and its investors.
Formerly known as Sutherland Asset Management Corporation, RCB rebranded in 2018 to better reflect its expanded scope and capabilities. Founded in 2007, the company has established itself as a nimble and innovative player in the real estate finance industry. Its focus on small balance loans and S
Additional Sources for RCB Stock
Tweets: X Stocktwits
Fund Manager Positions: Dataroma Stockcircle
RCB Stock Overview
Market Cap in USD | 1,738m |
Sector | Other |
Industry | Other |
GiC Sub-Industry | Commercial & Residential Mortgage Finance |
IPO / Inception | 2019-07-25 |
RCB Stock Ratings
Growth 5y | 61.5% |
Fundamental | -7.55% |
Dividend | 58.2% |
Rel. Strength | -11.6 |
Analysts | - |
Fair Price Momentum | 23.70 USD |
Fair Price DCF | - |
RCB Dividends
Dividend Yield 12m | 4.83% |
Yield on Cost 5y | 9.50% |
Annual Growth 5y | 8.45% |
Payout Consistency | 64.3% |
RCB Growth Ratios
Growth Correlation 3m | -81.9% |
Growth Correlation 12m | 77.9% |
Growth Correlation 5y | 33% |
CAGR 5y | 15.52% |
CAGR/Max DD 5y | 0.41 |
Sharpe Ratio 12m | 1.04 |
Alpha | 1.42 |
Beta | 0.01 |
Volatility | 4.94% |
Current Volume | 928.8k |
Average Volume 20d | 13.9k |
As of March 29, 2025, the stock is trading at USD 24.30 with a total of 928,800 shares traded.
Over the past week, the price has changed by +1.55%, over one month by +0.87%, over three months by -0.45% and over the past year by +4.93%.
Neither. Based on ValueRay Fundamental Analyses, Ready Capital is currently (March 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of -7.55 and therefor a neutral outlook according to the companies health.
Based on ValueRays Analyses, Dividends and Discounted-Cash-Flow, the Fair Value of RCB as of March 2025 is 23.70. This means that RCB is currently overvalued and has a potential downside of -2.47%.
Ready Capital has no consensus analysts rating.
According to ValueRays Forecast Model, RCB Ready Capital will be worth about 26.7 in March 2026. The stock is currently trading at 24.30. This means that the stock has a potential upside of +9.84%.
Issuer | Forecast | Upside |
---|---|---|
Wallstreet Target Price | - | - |
Analysts Target Price | - | - |
ValueRay Target Price | 26.7 | 9.8% |