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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
11/03/2026: CHMI (1-star) is currently NOT-A-BUY. Pass it for now.
Cherry Hill Mortgage Investment Corp is a residential mortgage REIT that generates income by investing in mortgage-backed securities and mortgage servicing rights. The company's core strength lies in its diversified asset approach, which attempts to hedge interest rate risk by balancing RMBS and MSR portfolios. While this strategy offers an income opportunity for dividend-focused investors, it remains highly sensitive to interest rate volatility and market liquidity. Key risks include the company's significant use of leverage, competitive pressures from larger mREIT peers, and the inherent volatility of the mortgage market. Investors should monitor interest rate trends and management's effectiveness in adjusting portfolio leverage and hedging strategies.
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 | CHMI is primarily an income-oriented REIT rather than a capital appreciation play. |
| Momentum investor | Weak fit | The stock lacks the consistent upward trend typically sought by momentum traders. |
| Value investor | Mixed fit | While it may trade at a discount to book value, the volatile nature of the assets requires deep sector expertise. |
| Dividend investor | Strong fit while signal remains positive | The REIT structure mandates dividend distributions, though the sustainability of the yield is dependent on market conditions. |
| Low-risk investor | Weak fit | The use of leverage and sensitivity to interest rates creates risks unsuitable for conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock price is highly sensitive to interest rate changes and mortgage market sentiment. |
| Valuation risk | Medium / high | Market price relative to book value can fluctuate significantly based on interest rate outlooks. |
| Competition risk (mREITs) | High | Smaller scale makes it difficult to compete with larger, more diversified mortgage REITs. |
| Business quality | Medium | The reliance on external management and levered assets presents structural challenges. |
| Dividend income | Medium / high | Dividend payouts are subject to earnings volatility and potential adjustments. |
| Execution risk | Medium | Management must effectively hedge portfolio risk to prevent significant capital erosion. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 15.03% | Avg. Invested days 43 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 11/03/2026 |
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 99.32M USD | Price to earnings Ratio 66.25 | 1Y Target Price 3.1 |
Price to earnings Ratio 66.25 | 1Y Target Price 3.1 | ||
Volume (30-day avg) 169.6K shares | Beta 1.1 | 52 Weeks Range 1.85 - 2.87 | Updated Date 11/03/2026 |
52 Weeks Range 1.85 - 2.87 | Updated Date 11/03/2026 | ||
Dividends yield (FY) 19.23% | Basic EPS (TTM) 0.04 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| RMBS Portfolio | Interest income from residential mortgage-backed securities. | The company earns money by collecting interest on home loan packages. |
| Mortgage Servicing Rights | Fees collected for servicing mortgage loans for third parties. | The company earns fees for managing the administrative side of mortgages. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-29 | When After Market | Estimate 0.15 | Actual 0.14 |
Profitability
Profit Margin 25.99% | Operating Margin (TTM) 0.99% |
Management Effectiveness
Return on Assets (TTM) 0.74% | Return on Equity (TTM) 4.73% |
Valuation
Trailing PE 66.25 | Forward PE 8.99 | Enterprise Value 1.25B | Price to Sales(TTM) 2.47 |
Enterprise Value 1.25B | Price to Sales(TTM) 2.47 | ||
Enterprise Value to Revenue 9.98 | Enterprise Value to EBITDA 8.95 | Shares Outstanding 36.95M | Shares Floating 36.41M |
Shares Outstanding 36.95M | Shares Floating 36.41M | ||
Percent Insiders 2.37 | Percent Institutions 17.9 |
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.
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