American Church Mortgage's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of American Church Mortgage (ACMC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: American Church Mortgage vs Its Competitors
- Peer differentiation: Revenue per employee of $-0.19M compares with $0.65M for the peer group (-0.3x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
American Church Mortgage's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| American Church Mortgage Company | - | - | - | Yes |
| Competitors combined (20) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
ACMC Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Northwest Bancshares inc | 282.9% | Outperformed |
| 2 | Pnc Financial Services Group Inc | 282.9% | Outperformed |
| 3 | M and t Bank Corporation | 282.9% | Outperformed |
| 4 | Bank Of America Corporation | 282.9% | Outperformed |
| 5 | Security National Financial Corporation | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for American Church Mortgage's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
American Church Mortgage's Comment on Competition and Industry Peers
Publicly Traded Peers of American Church Mortgage Company
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| American Church Mortgage Company | 0.19 | -0.39 |
| Bank Of America Corporation | 393,412.68 | 121,098.00 |
| Capital one financial corp | 119,682.86 | 51,099.00 |
| Pnc Financial Services Group Inc | 88,005.13 | 25,026.00 |
| Truist Financial Corporation | 56,717.06 | 19,028.00 |
| D r Horton Inc | 37,865.40 | 33,349.80 |
| SUBTOTAL | 830,470.31 | 339,800.22 |
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Sources: American Church Mortgage Company's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on American Church Mortgage Company versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
American Church Mortgage's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Pultegroup Inc | Florida 26.99 % |
| Lennar Corp | Homebuilding West 34.85 % |
| Walker and Dunlop Inc | Capital Markets 53.91 % |
| Onity Group Inc | Servicing 81.65 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
American Church Mortgage's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| American Church Mortgage Company | 0 | -194,846 | -2,182,381 |
| Bank Of America Corporation | 393,413 | 568,535 | 158,005 |
| Capital one financial corp | 119,683 | 669,712 | 137,615 |
| Pnc Financial Services Group Inc | 88,005 | 452,280 | 138,832 |
| Truist Financial Corporation | 56,717 | 513,078 | 157,472 |
| D r Horton Inc | 37,865 | 2,325,486 | 215,808 |
| PEERS TOTAL | 830,470 | 653,075 | 137,658 |
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American Church Mortgage's Valuation vs Competitive Position
Valuation multiples vs the Real Estate Operations industry average (71 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Real Estate Operations industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 31.1x | - |
| EV / EBITDA | 12.7x | 15.2x | -2.6x |
| P/B | 0.4x | 3.1x | -2.7x |
| Return on Equity | -47.74 % | industry aggregate | -61.07 % |
| Return on Invested Capital | - | 2.12 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
American Church Mortgage's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | -10.12 % | 3.83 % | -8.70 % | 1.05 % | -66.26 % | -24.39 % | -15.99 % | -284.95 % |
| Operating Margin | 2.05 % | -1.35 % | -11.82 % | 5.28 % | -5.17 % | 5.72 % | -14.90 % | 132.80 % |
| Return on Invested Capital | 0.12 % | -0.08 % | -0.70 % | 0.32 % | -0.11 % | 0.12 % | -0.27 % | -4.85 % |
| P/E | - | - | - | 60.2x | - | 90.9x | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
American Church Mortgage's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Return on equity 61.1 points below the industry aggregate.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- A meaningful share of tracked competitors (38.90 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-19.2% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
American Church Mortgage's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| American Church Mortgage Company | - | - | 1.64 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Capital one financial corp | 0.03 | 1.03 | 0.39 |
| Pnc Financial Services Group Inc | 0.03 | 0.02 | 1.15 |
| Truist Financial Corporation | 0.09 | 0.16 | 1.08 |
| D r Horton Inc | 0.64 | 6.12 | 0.19 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
American Church Mortgage's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| American Church Mortgage Company | Q1 2022 | - | - |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Capital one financial corp | Q2 2026 | +1,392.5 % | - |
| Pnc Financial Services Group Inc | Q2 2026 | +21.4 % | +25.1 % |
| Truist Financial Corporation | Q2 2026 | +8.2 % | +25.2 % |
| D r Horton Inc | Q2 2026 | +0.0 % | -11.1 % |
| PEERS TOTAL | +28.4 % | +91.2 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
American Church Mortgage's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| American Church Mortgage Company | Q1 2022 | +815.1 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Capital one financial corp | Q2 2026 | -73.8 % | -8.0 % |
| Pnc Financial Services Group Inc | Q2 2026 | - | - |
| Truist Financial Corporation | Q2 2026 | -24.2 % | - |
| D r Horton Inc | Q2 2026 | +0.9 % | -8.7 % |
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American Church Mortgage's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| American Church Mortgage Company | - | - | - |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Capital one financial corp | 1.56% | 3.24% | 9.26% |
| Pnc Financial Services Group Inc | 1.30% | 3.15% | 12.42% |
| Truist Financial Corporation | 1.06% | 2.65% | 9.01% |
| D r Horton Inc | 8.66% | 9.84% | 12.62% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
American Church Mortgage's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| American Church Mortgage Company | - | - |
| Bank Of America Corporation | 12.43 | 3.25 |
| Capital one financial corp | 11.47 | 2.34 |
| Pnc Financial Services Group Inc | 12.04 | 3.52 |
| Truist Financial Corporation | 10.52 | 2.98 |
| D r Horton Inc | 12.88 | 1.14 |
| PEERS AVERAGE | 11.60 | 2.44 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.