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Upturn AI Summary - About
Cherry Hill Mortgage Investment Corp(CHMI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CHMI
10/02/2026: CHMI (2-star) is a SELL. SELL for 1 day. Simulated Profits (-1.86%). Updated daily EoD!
Cherry Hill Mortgage Investment Corp is a real estate investment trust focused on residential mortgage-backed securities and mortgage servicing rights. The company benefits from a specialized approach to income generation, using its MSR portfolio as a hedge against broader interest rate fluctuations. Its primary investment story revolves around navigating the complex residential mortgage market to provide consistent dividend yields to shareholders. However, the company faces significant risks from interest rate volatility, the inherent limitations of an externally managed structure, and stiff competition from larger, better-capitalized peers. CHMI may suit income-focused investors comfortable with high volatility, who should carefully monitor interest rate trends and quarterly book value adjustments.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company's business model is primarily focused on income generation through dividends rather than rapid capital appreciation. |
| Momentum investor | Weak fit | The stock lacks the consistent trend-following characteristics preferred by momentum strategies due to its sensitivity to macroeconomic factors. |
| Value investor | Mixed fit | Value investors may look at the stock based on its book value, but the complexity of valuation in mREITs requires careful analysis. |
| Dividend investor | Strong fit while signal remains positive | The REIT structure is specifically designed to distribute high levels of income, making it potentially attractive for income-focused portfolios. |
| Low-risk investor | Weak fit | The inherent volatility of mortgage markets and interest rates makes this stock inappropriate for low-risk, capital-preservation strategies. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to interest rate changes and macro mortgage market conditions. |
| Valuation risk | Medium / high | Book value can fluctuate significantly, impacting the perceived value and dividend sustainability. |
| Competition risk (mREIT industry peers) | Medium / high | Larger peers with better access to capital and lower cost of funds pose a persistent competitive threat. |
| Business quality | Medium | The reliance on external management and complex asset classes requires investors to monitor governance and operational performance. |
| Dividend income | Medium / high | Dividends are variable and subject to the company's profitability, which is linked to volatile mortgage market spreads. |
| Execution risk | Medium | Effective management of the MSR and RMBS portfolio requires precise execution in varying interest rate environments. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 15.52% | Avg. Invested days 44 | Today’s Advisory SELL |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/02/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 98.20M USD | Price to earnings Ratio 12.48 | 1Y Target Price 3.1 |
Price to earnings Ratio 12.48 | 1Y Target Price 3.1 | ||
Volume (30-day avg) 228.5K shares | Beta 1.07 | 52 Weeks Range 1.85 - 2.87 | Updated Date 10/02/2026 |
52 Weeks Range 1.85 - 2.87 | Updated Date 10/02/2026 | ||
Dividends yield (FY) 15.33% | Basic EPS (TTM) 0.21 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Mortgage Servicing Rights | Fees earned from servicing residential mortgages and the fair value changes of these rights. | The company earns money by managing the paperwork and collections for home loans. |
| Agency and Non-Agency RMBS | Net interest income derived from holding mortgage-backed securities. | The company earns the difference between the interest it collects on mortgages and the cost of borrowing to buy those mortgages. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 12.48 | Forward PE 8.99 | Enterprise Value 1.30B | Price to Sales(TTM) 2.32 |
Enterprise Value 1.30B | Price to Sales(TTM) 2.32 | ||
Enterprise Value to Revenue 9.77 | Enterprise Value to EBITDA 8.95 | Shares Outstanding 36.95M | Shares Floating 36.41M |
Shares Outstanding 36.95M | Shares Floating 36.41M | ||
Percent Insiders 1.44 | Percent Institutions 16.94 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Cherry Hill Mortgage Investment Corp
Exchange NYSE | Headquarters Tinton Falls, NJ, United States | ||
IPO Launch date 2013-10-04 | President, CEO & Director Mr. Jeffrey B. Lown II | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 14 | Website https://www.chmireit.com |
Full time employees 14 | Website https://www.chmireit.com | ||
Cherry Hill Mortgage Investment Corporation, a residential real estate finance company, acquires, invests, and manages residential mortgage assets in the United States. It operates in two segments, Investments in RMBS and Investments in Servicing Related Assets. The trust qualifies as a real estate investment trust for federal income tax purposes. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Cherry Hill Mortgage Investment Corporation was incorporated in 2012 and is based in Tinton Falls, New Jersey.
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