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Upturn AI SWOT - About
MFA 
MFA Financial Inc (MFA)
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Upturn Advisory Summary
10/17/2025: MFA (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
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.42
1 Year Target Price $14.42
| 1 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.87% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 930.18M USD | Price to earnings Ratio 10.3 | 1Y Target Price 14.42 |
Price to earnings Ratio 10.3 | 1Y Target Price 14.42 | ||
Volume (30-day avg) 7 | Beta 1.76 | 52 Weeks Range 7.27 - 11.02 | Updated Date 10/17/2025 |
52 Weeks Range 7.27 - 11.02 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 15.73% | Basic EPS (TTM) 0.88 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 45.15% | Operating Margin (TTM) 46.33% |
Management Effectiveness
Return on Assets (TTM) 1.13% | Return on Equity (TTM) 6.93% |
Valuation
Trailing PE 10.3 | Forward PE 6.44 | Enterprise Value 10212620288 | Price to Sales(TTM) 3.27 |
Enterprise Value 10212620288 | Price to Sales(TTM) 3.27 | ||
Enterprise Value to Revenue 27.81 | Enterprise Value to EBITDA - | Shares Outstanding 102668702 | Shares Floating 101211833 |
Shares Outstanding 102668702 | Shares Floating 101211833 | ||
Percent Insiders 0.91 | Percent Institutions 59.37 |
Upturn AI SWOT
MFA Financial Inc
Company Overview
History and Background
MFA Financial, Inc. was founded in 1997. It operates as a real estate investment trust (REIT) primarily investing in residential mortgage-backed securities (MBS). Over time, MFA has adapted its investment strategy to market conditions, focusing on various segments of the mortgage market.
Core Business Areas
- Residential Mortgage-Backed Securities (MBS): MFA invests in a variety of residential MBS, including agency MBS (guaranteed by government-sponsored enterprises like Fannie Mae and Freddie Mac) and non-agency MBS (not guaranteed). These investments generate income from the interest payments on the underlying mortgages.
- Residential Whole Loans: MFA also invests in residential whole loans, which are individual mortgage loans. This can include performing loans, non-performing loans, and re-performing loans.
- Business Purpose Loans (BPL): MFA originates and acquires business purpose loans, often used for fix-and-flip projects, construction, and rental properties.
Leadership and Structure
MFA Financial is led by Craig Knutson (CEO). The company operates with a typical corporate structure, including a board of directors and various management teams overseeing different aspects of the business.
Top Products and Market Share
Key Offerings
- Agency MBS: Agency MBS are mortgage-backed securities guaranteed by government-sponsored enterprises. MFA Financial invests in these securities to generate income. Market share data is difficult to pinpoint exactly, but MFA is a large participant. Competitors include AGNC Investment Corp. (AGNC) and Annaly Capital Management (NLY).
- Non-Agency MBS: Non-Agency MBS are mortgage-backed securities that are not guaranteed by government-sponsored enterprises. They carry more risk but potentially higher returns. MFA Financial invests in these. Market share data is limited. Competitors include Redwood Trust (RWT) and PennyMac Mortgage Investment Trust (PMT).
- Business Purpose Loans: Business Purpose Loans (BPL) are short-term, interest-only loans made for investment properties. MFA Financial participates in originating and purchasing these loans. Market share data is niche and hard to find. Competitors include Broadmark Realty Capital (BRMK) and Hannon Armstrong Sustainable Infrastructure Capital, Inc. (HASI).
Market Dynamics
Industry Overview
The mortgage REIT industry is influenced by interest rates, economic conditions, and housing market trends. Rising interest rates can negatively impact MBS values. The industry is highly competitive and sensitive to macroeconomic factors.
Positioning
MFA Financial is positioned as a diversified mortgage REIT, investing in both agency and non-agency MBS, as well as whole loans. This diversification aims to balance risk and return. MFA is positioned relative to its TAM by capturing a single digit percentage of the loans available.
Total Addressable Market (TAM)
The total addressable market for mortgage-backed securities and mortgage loans is in the trillions of dollars. MFA is a small player, capturing a fraction of this overall market.
Upturn SWOT Analysis
Strengths
- Diversified investment portfolio
- Experienced management team
- Access to capital markets
- Active portfolio management
Weaknesses
- Interest rate sensitivity
- Credit risk in non-agency MBS and whole loans
- Reliance on leverage
- Complexity of investments
Opportunities
- Expansion into new mortgage asset classes
- Increased demand for housing
- Strategic acquisitions
- Capitalizing on market dislocations
Threats
- Rising interest rates
- Economic recession
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- RWT
- PMT
Competitive Landscape
MFA Financial faces strong competition from larger and more established mortgage REITs. Its competitive advantages include its diversified portfolio and experienced management team. Disadvantages include its smaller size compared to some competitors.
Growth Trajectory and Initiatives
Historical Growth: MFA Financial's growth has been tied to mortgage market conditions and its investment strategies. Growth has varied year-to-year.
Future Projections: Future projections are dependent on macroeconomic conditions, interest rates, and housing market trends. Analyst estimates vary.
Recent Initiatives: Recent initiatives may include changes in investment strategies, capital allocation, and risk management practices. These must be determined from news outlets.
Summary
MFA Financial is a diversified mortgage REIT facing challenges in a volatile market. Their management and diversification are strengths. Macroeconomic factors can impact performance so they should monitor the interest rate environment and housing market very closely. Their BPL offerings can provide stability during an economic downturn.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results. All numerical financial data may be outdated and is used only as an example format. A current company statement is required for an accurate analysis.
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 MFA Financial Inc
Exchange NYSE | Headquaters New York, NY, United States | ||
IPO Launch date 1998-04-13 | CEO & Director Mr. Craig L. Knutson | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 348 | Website https://www.mfafinancial.com |
Full time employees 348 | Website https://www.mfafinancial.com | ||
MFA Financial, Inc., together with its subsidiaries, operates as a real estate investment trust in the United States. It invests in residential mortgage securities, including non-agency mortgage-backed securities, agency MBS, and credit risk transfer securities; residential whole loans, including purchased performing loans, purchased credit deteriorated, and non-performing loans; and mortgage servicing rights related assets. The company qualifies as a real estate investment trust for federal income tax purposes. It generally would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. MFA Financial, Inc. was incorporated in 1997 and is based in New York, New York.
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