Current Report · Items 2.02, 7.01, 9.01 · 8-K

Sachem Capital Corp.

SACHNYSE_AMERICANEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure

Item 2.02. Results of Operations and Financial Condition. On March 12, 2026, Sachem Capital Corp. (the “Company”) issued a press release, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, announcing its financial results for the year ended December 31, 2025.

Filed Mar 18, 2026Accepted Mar 18, 2026, 4:16 PM EDTCIK 1682220Accession 0001682220-26-000018

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Company context

Sachem is a mortgage REIT that specializes in originating, underwriting, funding, servicing, and managing a portfolio of loans secured by first mortgages on real property. It offers short-term (i.e., one to three years), secured, nonbanking loans to real estate investors to fund their acquisition, renovation, development, rehabilitation, or improvement of properties. The Company’s primary underwriting criteria is a conservative loan to value ratio. The properties securing the loans are generally classified as residential or commercial real estate and, typically, are held for resale or investment. Loans are secured by mortgage liens on real estate and often are personally guaranteed by the principal(s) of the borrower. The Company also makes opportunistic real estate purchases apart from its lending activities.

Current securities

SACHNYSE_AMERICAN · EQUITY · Current SACH PRANYSE_AMERICAN · PREFERRED · Current SCCDNYSE_AMERICAN · DEBENTURE · Current SCCENYSE_AMERICAN · DEBENTURE · Current SCCFNYSE_AMERICAN · DEBENTURE · Current SCCGNYSE_AMERICAN · DEBENTURE · Current

Recent company filings

Disclosure sections

Items 2.02, 7.01, 9.01

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Item 2.02Item 2.02 - Results of Operations

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01. Regulation FD Disclosure. On March 13, 2026, the Company hosted a conference call for investors to discuss its financial condition and operating results for the year ended December 31, 2025. A transcript of the call is attached hereto as Exhibit 99.2. The information furnished pursuant to this Item 7.01 shall not be deemed to constitute an admission that such information is required to be furnished pursuant to Regulation FD or that such information or exhibits contain material information that is not otherwise publicly available. In addition, the Company does not assume any obligation to update such information in the future.

Filed exhibits (1)

EX-99.1 (by filename) sach-8kxex991.htm

EX-99.1 2 sach-8kxex991.htm EX-99.1 Document EXHIBIT 99.1 Earnings Release - Fiscal Year 2025 SACHEM CAPITAL REPORTS FULL YEAR 2025 RESULTS - Company to Host Webcast and Conference Call - BRANFORD, Conn., March 12, 2026 (GLOBE NEWSWIRE) -- Sachem Capital Corp. (NYSE American: SACH) (the “Company”), a real estate lender specializing in originating, underwriting, funding, servicing, and managing a portfolio of loans secured by first mortgages on real property, today announced its financial results for the year ended December 31, 2025. John Villano, CPA, Sachem’s Chief Executive Officer, commented, “We closed 2025 with strong momentum and a continued focus on disciplined capital allocation and balance sheet strength. We’re taking decisive steps to address legacy exposures while positioning the company for meaningful value creation. As we move forward, we remain focused on originating high-quality, secured real estate loans under conservative underwriting standards, while driving profitable growth and operational excellence. With a strong balance sheet and experienced team, we believe we are well positioned to deliver attractive risk-adjusted returns and long-term shareholde…

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