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MFA 
MFA Financial Inc (MFA)
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Upturn Advisory Summary
02/24/2026: MFA (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $14.75
1 Year Target Price $14.75
| 1 | Strong Buy |
| 2 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.02B USD | Price to earnings Ratio 11.51 | 1Y Target Price 14.75 |
Price to earnings Ratio 11.51 | 1Y Target Price 14.75 | ||
Volume (30-day avg) 7 | Beta 1.65 | 52 Weeks Range 7.00 - 10.33 | Updated Date 02/24/2026 |
52 Weeks Range 7.00 - 10.33 | Updated Date 02/24/2026 | ||
Dividends yield (FY) 14.31% | Basic EPS (TTM) 0.86 |
Earnings Date
Report Date 2026-02-18 | When - | Estimate 0.272 | Actual 0.27 |
Profitability
Profit Margin 54.33% | Operating Margin (TTM) 61.66% |
Management Effectiveness
Return on Assets (TTM) 1.45% | Return on Equity (TTM) 9.64% |
Valuation
Trailing PE 11.51 | Forward PE 6.44 | Enterprise Value 11791157248 | Price to Sales(TTM) 3.12 |
Enterprise Value 11791157248 | Price to Sales(TTM) 3.12 | ||
Enterprise Value to Revenue 27.81 | Enterprise Value to EBITDA - | Shares Outstanding 102195703 | Shares Floating 99930493 |
Shares Outstanding 102195703 | Shares Floating 99930493 | ||
Percent Insiders 0.98 | Percent Institutions 56.19 |
Upturn AI SWOT
MFA Financial Inc
Company Overview
History and Background
MFA Financial, Inc. (MFA) was founded in 2001 and is a real estate investment trust (REIT) that invests in a portfolio of residential mortgage-backed securities (MBS) and other related assets. The company has evolved its investment strategy over time to adapt to changing market conditions and regulatory environments. Key milestones include its initial public offering and subsequent expansions of its investment portfolio.
Core Business Areas
- Mortgage-Backed Securities (MBS): MFA invests in various types of agency and non-agency residential mortgage-backed securities. This includes fixed-rate MBS, adjustable-rate MBS, and other structured credit products backed by residential mortgages. The company aims to generate income through interest payments and capital appreciation on these assets.
- Other Investments: MFA also invests in other asset classes that are generally related to the residential mortgage market, such as loans and securities issued by residential mortgage originators and servicers, as well as other credit-related investments.
Leadership and Structure
MFA Financial, Inc. is externally managed by MFA Securities, LLC, a subsidiary of MFA Financial, Inc. The leadership team includes individuals with extensive experience in finance, real estate, and investment management. The company operates as a REIT, which has specific corporate governance and tax structures.
Top Products and Market Share
Key Offerings
- Agency Residential Mortgage-Backed Securities (ARMBS): These are securities guaranteed by government-sponsored enterprises like Fannie Mae and Freddie Mac. MFA invests in these to generate stable income. Competitors include other REITs and investment funds focused on fixed-income securities.
- Non-Agency Residential Mortgage-Backed Securities (Non-Agency MBS): These securities are not guaranteed by government entities and carry higher credit risk but also potentially higher yields. MFA's strategies involve selecting and managing these for their investment portfolio. Competitors include specialized credit funds and institutional investors.
- MBS-Related Investments: This includes a broader range of debt and equity investments tied to the mortgage market, such as servicing rights and originations. These offerings are less standardized and cater to specific risk appetites. Competitors are varied, including private credit funds and financial institutions.
Market Dynamics
Industry Overview
MFA operates within the broader financial services and real estate investment trust (REIT) sectors, with a specific focus on the residential mortgage market. This industry is influenced by interest rate movements, housing market conditions, regulatory policies, and overall economic sentiment. The MBS market is large and complex, with significant trading volumes.
Positioning
MFA Financial is positioned as a specialized investor in residential mortgage-backed securities and related assets. Its competitive advantages lie in its established expertise in mortgage credit analysis, portfolio management, and its ability to adapt its investment strategies to market volatility. However, it operates in a highly competitive landscape with many other institutional investors.
Total Addressable Market (TAM)
The total addressable market for residential mortgage-backed securities is exceptionally large, encompassing trillions of dollars in outstanding debt. MFA Financial's TAM is specific to the portion of this market it can effectively invest in, which includes agency and non-agency MBS, as well as related credit instruments. MFA's positioning is as a focused participant within this vast market, aiming to capture alpha through specialized strategies rather than dominating the entire TAM.
Upturn SWOT Analysis
Strengths
- Deep expertise in mortgage credit analysis and portfolio management.
- Established relationships with market participants.
- Ability to adapt investment strategies to market conditions.
- Diversified portfolio of mortgage-related assets.
Weaknesses
- Sensitivity to interest rate fluctuations.
- Reliance on external management.
- Potential for significant credit risk in non-agency MBS.
- Limited diversification beyond mortgage-related assets.
Opportunities
- Potential for attractive yields in a rising interest rate environment.
- Opportunities in distressed or undervalued MBS assets.
- Expansion into new, related credit products.
- Increased demand for housing and mortgage financing.
Threats
- Adverse changes in interest rates (e.g., rapid increases).
- Downturns in the housing market.
- Increased regulatory scrutiny of MBS and financial institutions.
- Intensified competition from other investors.
Competitors and Market Share
Key Competitors
- Annaly Capital Management (NLY)
- Chimera Investment Corporation (CIM)
- Apollo Commercial Real Estate Finance (ARI)
- AG Mortgage Investment Trust (MITT)
Competitive Landscape
MFA competes with a range of other mREITs and diversified financial institutions. Its advantages include its specialized knowledge and operational efficiency. However, it faces disadvantages in terms of scale compared to some larger competitors and the inherent risks associated with its specific asset class, which can be influenced by macroeconomic factors beyond its direct control.
Growth Trajectory and Initiatives
Historical Growth: MFA's historical growth has been tied to its ability to acquire and manage MBS portfolios profitably. This involves navigating different interest rate environments and credit cycles. Growth can be achieved through retained earnings, issuing new equity, or increasing leverage, all while managing risk.
Future Projections: Future projections for MFA Financial are contingent on the outlook for interest rates, the housing market, and the broader economy. Analyst estimates will likely focus on potential earnings per share growth, NAV per share appreciation, and dividend sustainability, considering factors like expected yield spreads and portfolio growth.
Recent Initiatives: Recent initiatives might include strategic shifts in portfolio allocation (e.g., increasing exposure to certain types of MBS), efforts to reduce funding costs, or acquisitions/divestitures of specific asset classes to optimize returns and manage risk.
Summary
MFA Financial Inc is a specialized real estate investment trust focused on residential mortgage-backed securities. Its strength lies in its expertise in managing complex MBS portfolios and navigating interest rate environments. The company faces significant threats from interest rate volatility and housing market downturns, which can impact its profitability and asset valuations. To thrive, MFA needs to maintain prudent risk management, adapt its strategy to evolving market conditions, and effectively manage its leverage and funding costs.
Similar Stocks
Sources and Disclaimers
Data Sources:
- MFA Financial Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Financial News Outlets (e.g., Wall Street Journal, Bloomberg)
- Financial Data Providers (e.g., Refinitiv, FactSet)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Investors should conduct their own due diligence before making any investment decisions. Market conditions and company performance can change rapidly.
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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