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CHMI 
Cherry Hill Mortgage Investment Corp (CHMI)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
12/01/2025: CHMI (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $2.88
1 Year Target Price $2.88
| 1 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.29% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 92.96M USD | Price to earnings Ratio 49.8 | 1Y Target Price 2.88 |
Price to earnings Ratio 49.8 | 1Y Target Price 2.88 | ||
Volume (30-day avg) 3 | Beta 1.13 | 52 Weeks Range 2.07 - 3.21 | Updated Date 12/1/2025 |
52 Weeks Range 2.07 - 3.21 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 23.31% | Basic EPS (TTM) 0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-18 | When - | Estimate 0.11 | Actual 0.09 |
Profitability
Profit Margin 26.57% | Operating Margin (TTM) 44.15% |
Management Effectiveness
Return on Assets (TTM) 0.71% | Return on Equity (TTM) 4.59% |
Valuation
Trailing PE 49.8 | Forward PE - | Enterprise Value 1387280512 | Price to Sales(TTM) 2.31 |
Enterprise Value 1387280512 | Price to Sales(TTM) 2.31 | ||
Enterprise Value to Revenue 11.38 | Enterprise Value to EBITDA 5.72 | Shares Outstanding 36739538 | Shares Floating 36369938 |
Shares Outstanding 36739538 | Shares Floating 36369938 | ||
Percent Insiders 1.01 | Percent Institutions 16.92 |
Upturn AI SWOT
Cherry Hill Mortgage Investment Corp
Company Overview
History and Background
Cherry Hill Mortgage Investment Corp. was formed in 2012 and is focused on acquiring, investing in and managing residential mortgage assets, including mortgage servicing rights (MSRs) and Agency mortgage-backed securities (MBS). It's externally managed.
Core Business Areas
- Mortgage Servicing Rights (MSRs): Investments in MSRs, which represent the right to service mortgage loans. The company collects fees for servicing these loans.
- Agency Mortgage-Backed Securities (MBS): Investments in MBS guaranteed by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and Ginnie Mae.
Leadership and Structure
The company is externally managed by Cherry Hill Mortgage Management, LLC. The leadership team primarily consists of executives from the management company.
Top Products and Market Share
Key Offerings
- Mortgage Servicing Rights (MSRs): MSRs are a core asset, generating servicing fees. Market share data specific to Cherry Hill's MSR portfolio is difficult to obtain due to the fragmented nature of the MSR market. Competitors include large banks and specialized servicing firms. Revenue generated is not publically available.
- Agency Mortgage-Backed Securities (MBS): These securities provide income through interest payments. Market share is limited to the size of their portfolio compared to the total MBS market. Competitors include other REITs and institutional investors. Revenue generated is not publically available.
Market Dynamics
Industry Overview
The mortgage REIT industry is sensitive to interest rate changes and prepayment speeds. Regulatory changes and economic conditions also play significant roles. MBS market size fluctuates with issuance and refinancing activity.
Positioning
Cherry Hill is a smaller mortgage REIT compared to larger players. Its competitive advantage, if any, lies in its management's expertise and investment strategy.
Total Addressable Market (TAM)
The Total Addressable Market for mortgage REITs is tied to the overall mortgage market, which is trillions of dollars. Cherry Hill's position is a small fraction of this overall market.
Upturn SWOT Analysis
Strengths
- Experienced management team (external)
- Diversified asset base (MSRs and MBS)
- Potential for income generation through MSR servicing fees
Weaknesses
- External management structure (potential conflict of interest)
- Sensitivity to interest rate fluctuations
- Relatively small size compared to peers
- Reliance on external financing
Opportunities
- Expansion of MSR portfolio through acquisitions
- Increased investment in higher-yielding MBS
- Benefiting from increased mortgage origination activity
- Diversifying investment strategies
Threats
- Rising interest rates impacting portfolio value
- Increased prepayment speeds reducing MSR income
- Regulatory changes affecting the mortgage market
- Competition from larger mortgage REITs
Competitors and Market Share
Key Competitors
- AGNC
- NRZ
- IVR
- TWO
Competitive Landscape
Cherry Hill faces significant competition from larger, more established mortgage REITs. Its smaller size and external management structure may put it at a disadvantage. Success depends on strategic asset allocation and effective risk management.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires real-time data. A static analysis is not possible without current data.
Future Projections: Future projections requires real-time data. A static analysis is not possible without current data.
Recent Initiatives: Recent initiatives requires real-time data. A static analysis is not possible without current data.
Summary
Cherry Hill Mortgage Investment Corp. is a smaller mortgage REIT focusing on MSRs and Agency MBS. It faces risks associated with interest rate volatility and prepayment speeds, further being externally managed which introduces potential conflicts. Its success depends on navigating the complexities of the mortgage market and strategically managing its portfolio.
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Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Third-Party Financial Data Providers (e.g., Yahoo Finance, Bloomberg)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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.
About Cherry Hill Mortgage Investment Corp
Exchange NYSE | Headquaters 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 12 | Website https://www.chmireit.com |
Full time employees 12 | Website https://www.chmireit.com | ||
Cherry Hill Mortgage Investment Corporation, a residential real estate finance company, acquires, invests in, and manages residential mortgage assets in the United States. It operates through Investments in RMBS (residential mortgage-backed securities) and Investments in Servicing Related Assets segments. The company has elected to be taxed as a real estate investment trust. The company generally 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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