St. Joe Company (The) Common Stock (JOE)

FairStock Score: 64/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach St. Joe as a real estate development and operating company, with residential, hospitality, and commercial segments. The business has momentum. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $158.8 million, net income was $40.5 million, and diluted EPS was $0.71. A year earlier, in fiscal Q2 2025, the quarter ended 2025-06-30, revenue was $129.1 million, net income was $29.5 million, and diluted EPS was $0.51. For fiscal 2025, revenue was $513.2 million and net income was $115.6 million, compared with fiscal 2024 revenue of $402.7 million and net income of $74.2 million. That is genuine growth. FairStock's Lynch classification calls it a FAST GROWER, based on 20.7% annual profit growth and 26.2% revenue growth over five years. Financial health looks decent: FairStock calculations show Piotroski 8/9 and Altman Z-Score 3.91; debt-to-equity is 0.71. FairStock return metrics are mixed: ROE 16.25% and ROCE only 6.76%. Valuation is the rub. At the 2026-10-13 close of $66.36, FairStock calculations show P/E 31.15, P/B 4.95, EV/EBITDA 17.49, and Graham Number $25.35, leaving a negative margin of safety of -161.78%. FairStock's PEG 0.84 and FCF yield 5.1% soften that picture, but a cyclical real estate developer at nearly five times book still asks a lot. I see a growing business, not a cheap one.

In plain English: St. Joe develops land and homesites and also runs hospitality and commercial properties. The business is growing: in the latest quarter, revenue and profit were higher than a year earlier, and it produces cash. But the stock price looks expensive compared with the company's earnings and assets, so it is not an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer