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Orchid Island Capital, Inc. (ORC) Stock Fundamental Analysis & AI Rating 2026

ORC NYSE Real Estate Investment Trusts MD CIK: 0001518621
Recently Updated • Analysis: Apr 13, 2026 • SEC Data: 2025-12-31
SELL
65% Conf
Pending
Analysis scheduled

📊 ORC Key Takeaways

Revenue: $414.0M
Net Margin: 38.4%
Free Cash Flow: $120.4M
Current Ratio: N/A
Debt/Equity: 0.00x
EPS: $-8.31
AI Rating: SELL with 65% confidence
Orchid Island Capital, Inc. (ORC) receives a SELL rating with 65% confidence from our AI fundamental analysis based on SEC 10-K filings. With revenue of $414.0M, net profit margin of 38.4%, and return on equity (ROE) of 11.6%, Orchid Island Capital, Inc. demonstrates mixed fundamentals in the Real Estate sector. Below is our complete ORC stock analysis for 2026.

Is Orchid Island Capital, Inc. (ORC) a Good Investment?

Claude

Despite exceptional 282% revenue growth and a strong 38.4% net margin, Orchid Island Capital exhibits concerning shareholder economics with negative diluted EPS despite positive net income, indicating significant equity dilution. Flat net income growth despite massive revenue expansion suggests margin compression and deteriorating profitability trends, while high financial leverage (implied 7.3x Debt-to-Equity) creates risk in a rising-rate environment.

Why Buy Orchid Island Capital, Inc. Stock? ORC Key Strengths

Claude
  • + Exceptional revenue growth of 282% year-over-year
  • + Strong net profit margin of 38.4% and robust free cash flow generation of 120.4M (29.1% FCF margin)
  • + Solid liquidity with 665.9M in cash and substantial asset base of 11.7B

ORC Stock Risks: Orchid Island Capital, Inc. Investment Risks

Claude
  • ! Negative diluted EPS (-8.31) despite positive net income signals severe shareholder dilution
  • ! Net income completely flat year-over-year despite 282% revenue growth indicates margin compression and deteriorating unit economics
  • ! Extremely high financial leverage with total liabilities of 10.3B against only 1.4B equity, creating solvency risk

Key Metrics to Watch

Claude
  • * Diluted EPS trend and common share count (monitor ongoing dilution impact)
  • * Net income growth relative to revenue growth (assess margin sustainability)
  • * Debt levels and interest coverage ratios (evaluate leverage risk in changing rate environment)

Orchid Island Capital, Inc. (ORC) Financial Metrics & Key Ratios

Revenue
$414.0M
Net Income
$159.0M
EPS (Diluted)
$-8.31
Free Cash Flow
$120.4M
Total Assets
$11.7B
Cash Position
$665.9M

💡 AI Analyst Insight

The 29.1% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.

ORC Profit Margin, ROE & Profitability Analysis

Gross Margin N/A
Operating Margin N/A
Net Margin 38.4%
ROE 11.6%
ROA 1.4%
FCF Margin 29.1%

ORC vs Real Estate Sector: How Orchid Island Capital, Inc. Compares

How Orchid Island Capital, Inc. compares to Real Estate sector averages

Net Margin
ORC 38.4%
vs
Sector Avg 20.0%
ORC Sector
ROE
ORC 11.6%
vs
Sector Avg 8.0%
ORC Sector
Current Ratio
ORC 0.0x
vs
Sector Avg 1.5x
ORC Sector
Debt/Equity
ORC 0.0x
vs
Sector Avg 1.5x
ORC Sector

Sector benchmarks are approximate industry averages. Actual sector performance may vary.

Is Orchid Island Capital, Inc. Stock Overvalued? ORC Valuation Analysis 2026

Based on fundamental analysis, Orchid Island Capital, Inc. appears fundamentally strong relative to the Real Estate sector in 2026.

Return on Equity
11.6%
Sector avg: 8%
Net Profit Margin
38.4%
Sector avg: 20%
Revenue Growth
N/A
Year-over-year
Debt/Equity
0.00x
Sector avg: 1.5x

Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.

Orchid Island Capital, Inc. Balance Sheet: ORC Debt, Cash & Liquidity

Current Ratio
N/A
Quick Ratio
N/A
Debt/Equity
0.00x
Debt/Assets
88.2%
Interest Coverage
N/A
Long-term Debt
N/A

ORC Revenue & Earnings Growth: 5-Year Financial Trend

ORC 5-year financial data:
Revenue
Net Income
EPS (right axis)

5-Year Trend Summary: Orchid Island Capital, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $-0.89 indicates the company is currently unprofitable.

ORC Revenue Growth, EPS Growth & YoY Performance

Revenue Growth
N/A
Year-over-year
Net Income Growth
N/A
Year-over-year
EPS Growth
N/A
Earnings per share
FCF Margin
29.1%
Free cash flow / Revenue

Orchid Island Capital, Inc. Dividends, Buybacks & Capital Allocation

Operating Cash Flow
$120.4M
Cash generated from operations
Stock Buybacks
$7.4M
Shares repurchased (TTM)
Dividends Paid
$178.9M
Returned to shareholders

ORC SEC Filings: Latest 10-K & 10-Q Analysis

Access official SEC EDGAR filings for Orchid Island Capital, Inc. (CIK: 0001518621)

📋 Recent SEC Filings

Date Form Document Action
Apr 1, 2026 4 xslF345X06/rdgdoc.xml View →
Apr 1, 2026 4 xslF345X06/rdgdoc.xml View →
Apr 1, 2026 4 xslF345X06/rdgdoc.xml View →
Apr 1, 2026 4 xslF345X06/rdgdoc.xml View →
Mar 27, 2026 4 xslF345X06/rdgdoc.xml View →

Frequently Asked Questions about ORC

What is the AI rating for ORC?

Orchid Island Capital, Inc. (ORC) has an AI rating of SELL with 65% confidence, based on fundamental analysis of SEC EDGAR filings.

What are ORC's key strengths?

Claude: Exceptional revenue growth of 282% year-over-year. Strong net profit margin of 38.4% and robust free cash flow generation of 120.4M (29.1% FCF margin).

What are the risks of investing in ORC?

Claude: Negative diluted EPS (-8.31) despite positive net income signals severe shareholder dilution. Net income completely flat year-over-year despite 282% revenue growth indicates margin compression and deteriorating unit economics.

What is ORC's revenue and growth?

Orchid Island Capital, Inc. reported revenue of $414.0M.

Does ORC pay dividends?

Orchid Island Capital, Inc. pays dividends, with $178.9M distributed to shareholders in the trailing twelve months.

Where can I find ORC SEC filings?

Official SEC filings for Orchid Island Capital, Inc. (CIK: 0001518621) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.

What is ORC's EPS?

Orchid Island Capital, Inc. has a diluted EPS of $-8.31.

How is the AI analysis conducted?

Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.

Is ORC a good stock to buy right now?

Based on our AI fundamental analysis in April 2026, Orchid Island Capital, Inc. has a SELL rating with 65% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.

Is ORC stock overvalued or undervalued?

Valuation metrics for ORC: ROE of 11.6% (sector avg: 8%), net margin of 38.4% (sector avg: 20%). Higher ROE suggests strong returns relative to peers.

Should I buy ORC stock in 2026?

Our dual AI analysis gives Orchid Island Capital, Inc. a combined SELL rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.

What is ORC's free cash flow?

Orchid Island Capital, Inc.'s operating cash flow is $120.4M, with capital expenditures of N/A. FCF margin is 29.1%.

How does ORC compare to other Real Estate stocks?

Vs Real Estate sector averages: Net margin 38.4% (avg: 20%), ROE 11.6% (avg: 8%), current ratio N/A (avg: 1.5).

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Disclaimer: This analysis is generated by Claude AI (Anthropic) and ChatGPT (OpenAI) based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research and consult with a qualified financial advisor before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: Apr 13, 2026 | Data as of: 2025-12-31 | Powered by Claude AI