Federal Agricultural Mortgage Corporation Class A (AGM.A) AI Stock Analysis

Federal Agricultural Mortgage Corporation Class A

(NYSE:AGM.A)

Select Model

Rating:61.3Neutral

Price Target:$148.00▲(4.73% Upside)

Action:initiatedcoverage

Date:10/23/26

Improving profitability, cash flow, low valuation, and a strong dividend support the score. These positives are outweighed by the highly leveraged balance sheet and weak technical momentum.

Positive Factors

Specialized agricultural credit platformFarmer Mac serves a specialized market by connecting agricultural and rural borrowers with lender funding and secondary-market liquidity. Its loan purchases, guarantees, securitizations, and capital-markets activities create multiple recurring channels for serving this structurally important credit ecosystem.

Negative Factors

Very high financial leverageDebt-to-equity near 18.7x leaves relatively little capital cushion compared with the scale of the balance sheet. This structure increases sensitivity to funding costs, credit losses, and adverse market conditions, potentially limiting flexibility during a prolonged agricultural or credit-cycle downturn.

Federal Agricultural Mortgage Corporation Class A (AGM.A) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $1.88B
Dividend Yield: 4.44%
Average Volume (3M): 612
Price to Earnings (P/E): 11.0
Beta (1Y): 0.82
Revenue Growth: 31.16%
EPS Growth: 7.63%
Country: US
Employees: 212
Sector: Financial
Sector Strength: 68
Industry: Financial - Credit Services

Federal Agricultural Mortgage Corporation Class A Business Overview & Revenue Model

Company Description

The Federal Agricultural Mortgage Corporation establishes a secondary market for loans extended to borrowers across the United States. Its activities are structured into four primary segments: 1. Farm & Ranch: This division procures and holds first-l...

How the Company Makes Money

Farmer Mac makes money by acting as a secondary-market provider of financing for agricultural and rural loans, earning income from both spread-based investing and credit guarantee activities. A core earnings driver is net interest income: the company...

Federal Agricultural Mortgage Corporation Class A Financial Statement Overview

Summary

Profitability and cash flow are improving, but the extremely high leverage and historically volatile revenue and cash generation materially increase financial risk.

Income Statement

78Positive

Balance Sheet

40Negative

Cash Flow

62Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.40B	1.32B	1.62B	1.42B	755.02M	447.70M
Gross Profit	423.90M	388.56M	363.69M	350.20M	308.31M	245.88M
EBITDA	280.46M	255.72M	258.10M	253.10M	226.40M	172.59M
Net Income	228.98M	207.39M	207.19M	200.00M	178.14M	136.09M
Balance Sheet
Total Assets	39.29B	35.51B	31.32B	29.52B	27.33B	25.12B
Cash, Cash Equivalents and Short-Term Investments	20.46B	18.48B	12.48B	11.34B	13.05B	11.07B
Total Debt	34.69B	30.82B	29.30B	27.69B	25.65B	23.70B
Total Liabilities	37.44B	33.79B	29.84B	28.11B	26.06B	23.91B
Stockholders Equity	1.85B	1.72B	1.49B	1.41B	1.27B	1.21B
Cash Flow
Free Cash Flow	310.06M	80.06M	607.37M	375.80M	809.27M	436.41M
Operating Cash Flow	310.06M	80.06M	612.65M	375.80M	809.27M	436.41M
Investing Cash Flow	-6.29B	-3.81B	-1.68B	-1.96B	-3.04B	-1.10B
Financing Cash Flow	5.99B	3.64B	1.21B	1.61B	2.19B	534.63M

Federal Agricultural Mortgage Corporation Class A Technical Analysis

Technical Analysis SentimentNeutral

Last Price141.31

Price Trends

50DMA148.06Negative

100DMA148.81Negative

200DMA137.56Positive

Market Momentum

MACD-2.13Negative

RSI45.65Neutral

STOCH64.01Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AGM.A, the sentiment is Neutral. The current price of 141.31 is below the 20-day moving average (MA) of 141.73, below the 50-day MA of 148.06, and above the 200-day MA of 137.56, indicating a neutral trend. The MACD of -2.13 indicates Negative momentum. The RSI at 45.65 is Neutral, neither overbought nor oversold. The STOCH value of 64.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for AGM.A.

Federal Agricultural Mortgage Corporation Class A Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

AGM.A against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
AGM.A	61Neutral	$2.13B	11.00	13.13%	4.44%	31.16%	7.63%

* Financial Sector Average

Performance Comparison

AGM.A and its peers over the selected period
Show on chart	Ticker	Company Name	Price	Change	% Change
	AGM.A	Federal Agricultural Mortgage Corporation Class A	141.31	25.16	21.66%

Glossary

BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.

Date of analysis: Oct 23, 2026

Federal Agricultural Mortgage Corporation Class A AI Stock Analysis