Fathom Holdings Inc. (FTHM) Fair Value 2026

FTHM · Real Estate Agents & Managers (For Others) ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.9 /10

32 fundamental signals · 6 models active

Value Trap Risk

WARN (43/100)

Quick Summary — As of 2026-07-15, Fathom Holdings Inc. (FTHM) trades at $0.96, approximately 459% above CirclFi’s Bayesian DCF fair value of $0.17. QOC: 5.9/10. Value Trap Risk: 43/100 (WARN). 6/13 models active.

Key Facts

Ticker
FTHM
Price
$0.96
Quality Score
5.9/10
Value Trap Risk
43/100
Models Active
6/13
Last Updated
Strength: CUCE Ensemble suggests +414.9% upside with 3% confidence
Risk: Value Trap score of 43 suggests caution despite apparent undervaluation

Is Fathom Holdings Inc. (FTHM) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, Fathom Holdings Inc. (FTHM) appears overvalued as of : the median of 6 independent fair value estimates is $0.83, 13.5% below the current price of $0.96. Estimates range from $0.17 to $4.96. FTHM scores 5.9/10 on fundamental quality and 43/100 on value-trap risk.

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Fathom Holdings Inc. Stock in 2026? →

Valuation Matrix

6 Intrinsic Value Models vs. Current Price ($0.96)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
Low Conviction
$0.17 -82.1%
CUCE Ensemble
Low Conviction
$4.96 +414.9%
First Chicago
High Conviction
$3.35 +248.2%

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What Is Fathom Holdings Inc. (FTHM) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Fathom Holdings Inc.'s intrinsic value is estimated at a composite $1.74, showing conflicting signals at the current price of $0.96. While the average implied return is +80.2%, model disagreement is elevated with a gap of +497.0% between the most bullish and bearish estimates. The most optimistic model, CUCE, places fair value at $4.96 (+414.9%), while Bayesian DCF — the most conservative — estimates $0.17 (-82.1%). This +497.0% gap reflects genuine analytical uncertainty about Fathom Holdings Inc.'s intrinsic worth.

What Do the Models Say About FTHM?

6 of 13 models are currently active for FTHM. Of these, 3 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates FTHM's intrinsic value at $0.17, implying -82.1% downside from the current price. See which stocks rank higher →

How Does FTHM Rank in Real Estate Agents & Managers (For Others)?

Among 18 Real Estate Agents & Managers (For Others) stocks, FTHM ranks #15 by Quality of Company score. CirclFi's QOC score of 5.9/10 evaluates 32 fundamental signals. A score of 5.9 reflects mixed fundamentals.

As a real estate sector, Fathom Holdings Inc. operates in a sector where same-property NOI growth is a critical driver of valuation. Investors evaluating FTHM should weigh these sector-specific dynamics alongside our model-derived fair values.

Is FTHM a Value Trap?

CirclFi's Value Trap algorithm assigns FTHM a score of 43/100 (WARN). This is a warning signal. Additional research into recent 10-Q filings is recommended. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for Fathom Holdings Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Fathom Holdings Inc.'s fundamental quality profile registers 5.9/10. This respectable score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +497.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FTHM valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FTHM's 6 active models, average confidence is 35%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Fathom Holdings Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Real Estate Agents & Managers (For Others) Stocks Should You Also Analyze?

8 related Real Estate Agents & Managers (For Others) stocks with 13-model coverage

Read investment analysis: LHAI · BEKE · JLL · REAX · MMI

Frequently Asked Questions About Fathom Holdings Inc.

What is Fathom Holdings Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Fathom Holdings Inc. (FTHM) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $0.17. The Quality of Company score is 5.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FTHM overvalued or undervalued right now?

At $0.96, 3 of 6 active models suggest FTHM may be undervalued, while 3 indicate potential overvaluation. The median of all 6 fair value estimates is $0.83, 13.5% below the current price of $0.96 — a consensus view that FTHM is overvalued. The assessment depends on which methodology best fits Fathom Holdings Inc.'s business model in Real Estate Agents & Managers (For Others).

What does a Quality of Company score of 5.9 mean for FTHM?

Fathom Holdings Inc.'s QOC of 5.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on FTHM?

CirclFi analyzes FTHM with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Is FTHM a value trap in 2026?

Fathom Holdings Inc.'s Value Trap score is 43/100 (WARN). This elevated score suggests the stock may look undervalued but faces deteriorating fundamentals — declining margins, rising debt, or shrinking revenue could make the apparent discount deceptive. Browse our ranked stock lists to compare value-trap scores across industries. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 6-model valuation engine, Fathom Holdings Inc. (FTHM) has a median fair value of $0.83 — 13.5% below the current price of $0.96 — as of 2026-07-15.” Source: circlfi.com/stock/FTHM/ · Methodology

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