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Upturn stock ratingUpturn stock rating
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MFA Financial Inc (MFA)

Upturn stock ratingUpturn stock rating
$9.36
Last Close (24-hour delay)
Profit since last BUY-3.6%
upturn advisory
Consider higher Upturn Star rating
BUY since 7 days
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Upturn Advisory Summary

07/11/2025: MFA (2-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Below Average Performance

These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$14.75 Target price
52w Low $7.56
Current$9.36
52w High $11.75

Analysis of Past Performance

Type Stock
Historic Profit 0.18%
Avg. Invested days 39
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/11/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 960.83M USD
Price to earnings Ratio 9.45
1Y Target Price 14.75
Price to earnings Ratio 9.45
1Y Target Price 14.75
Volume (30-day avg) 7
Beta 1.72
52 Weeks Range 7.56 - 11.75
Updated Date 07/13/2025
52 Weeks Range 7.56 - 11.75
Updated Date 07/13/2025
Dividends yield (FY) 15.22%
Basic EPS (TTM) 0.99

Earnings Date

Report Date -
When -
Estimate -
Actual -

Profitability

Profit Margin 46.95%
Operating Margin (TTM) 50.25%

Management Effectiveness

Return on Assets (TTM) 1.23%
Return on Equity (TTM) 7.37%

Valuation

Trailing PE 9.45
Forward PE 7.14
Enterprise Value 10126105600
Price to Sales(TTM) 3.29
Enterprise Value 10126105600
Price to Sales(TTM) 3.29
Enterprise Value to Revenue 26.69
Enterprise Value to EBITDA -
Shares Outstanding 102653000
Shares Floating 101193138
Shares Outstanding 102653000
Shares Floating 101193138
Percent Insiders 0.91
Percent Institutions 62.57

ai summary icon Upturn AI SWOT

MFA Financial Inc

stock logo

Company Overview

overview logo History and Background

MFA Financial, Inc. was founded in 1997. It is a real estate investment trust (REIT) that invests in residential mortgage assets, including mortgage-backed securities and whole loans.

business area logo Core Business Areas

  • Agency Mortgage-Backed Securities (MBS): Investments in MBS guaranteed by government-sponsored enterprises (GSEs) such as Fannie Mae and Freddie Mac, and the Government National Mortgage Association (Ginnie Mae).
  • Non-Agency MBS: Investments in MBS that are not guaranteed by GSEs or Ginnie Mae, and are subject to credit risk.
  • Whole Loans: Investments in residential whole loans, including purchased credit deteriorated (PCD) loans, non-performing loans (NPLs), and residential transition loans.

leadership logo Leadership and Structure

The leadership team consists of Craig Knutson (CEO), Gudrun Jonsson (CFO). The organizational structure is typical of a REIT, with a board of directors overseeing management.

Top Products and Market Share

overview logo Key Offerings

  • Agency MBS: Agency MBS are their largest asset holding. It is difficult to assign an exact market share for MFA's holdings. Competitors include other REITs like AGNC Investment Corp. (AGNC), Annaly Capital Management (NLY), and Invesco Mortgage Capital (IVR).
  • Non-Agency MBS: Non-Agency MBS offer higher yields but come with greater credit risk. MFA strategically allocates capital to this area. The market share is difficult to pin down as its a niche, but competitors are the same as Agency MBS.
  • Whole Loans: Whole loans, particularly NPLs and residential transition loans, provide opportunities for attractive returns. The market is fragmented and comprised of REITs, private equity funds and other institutions. Competitors include other REITs as well as private loan buyers.

Market Dynamics

industry overview logo Industry Overview

The mortgage REIT industry is influenced by interest rate movements, credit spreads, and housing market conditions. REITs face risks related to leverage, prepayment speeds, and credit losses.

Positioning

MFA Financial positions itself as a diversified mortgage REIT focused on generating attractive risk-adjusted returns through its investment strategies.

Total Addressable Market (TAM)

The TAM for mortgage-backed securities and residential mortgages is in the trillions of dollars. MFA Financial Inc captures a small fraction of this TAM. The company is positioned to grow with strategic allocations and risk management.

Upturn SWOT Analysis

Strengths

  • Experienced management team
  • Diversified investment portfolio
  • Access to capital markets
  • Established track record

Weaknesses

  • Sensitivity to interest rate fluctuations
  • Reliance on leverage
  • Exposure to credit risk
  • Complex regulatory environment

Opportunities

  • Expansion into new asset classes
  • Strategic acquisitions
  • Increased demand for mortgage credit
  • Favorable regulatory changes

Threats

  • Rising interest rates
  • Economic downturn
  • Increased competition
  • Changes in government regulations

Competitors and Market Share

competitor logo Key Competitors

  • AGNC
  • NLY
  • IVR
  • TWO

Competitive Landscape

MFA Financial competes with other mortgage REITs. Its advantages include its investment strategies. Disadvantages include sensitivity to interest rates.

Major Acquisitions

Lima One Capital

  • Year: 2021
  • Acquisition Price (USD millions): 161
  • Strategic Rationale: Expanded MFA's presence in the business purpose lending market.

Growth Trajectory and Initiatives

Historical Growth: MFA's growth is tied to the housing and mortgage markets, and strategies. Review past annual reports for analysis.

Future Projections: Future growth projections are best obtained from analyst reports covering MFA Financial Inc.

Recent Initiatives: Recent initiatives require following press releases and company announcements of MFA Financial Inc.

Summary

MFA Financial is a mortgage REIT focused on risk-adjusted returns through investments in mortgage assets. The company's strengths lie in its experienced management and diversified portfolio but is susceptible to interest rate volatility. Recent acquisitions can fuel growth. Maintaining a robust risk management strategy is crucial for weathering market fluctuations.

Peer Comparison

Sources and Disclaimers

Data Sources:

  • Company filings (SEC)
  • Financial news websites
  • Analyst reports

Disclaimers:

This analysis is for informational purposes only and should not be considered investment advice. Market conditions are subject to change.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 348

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.