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TWO 
Two Harbors Investments Corp (TWO)
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Upturn Advisory Summary
12/01/2025: TWO (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $10.92
1 Year Target Price $10.92
| 3 | Strong Buy |
| 2 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.29% | Avg. Invested days 44 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.06B USD | Price to earnings Ratio - | 1Y Target Price 10.92 |
Price to earnings Ratio - | 1Y Target Price 10.92 | ||
Volume (30-day avg) 10 | Beta 1.23 | 52 Weeks Range 9.17 - 12.84 | Updated Date 12/1/2025 |
52 Weeks Range 9.17 - 12.84 | Updated Date 12/1/2025 | ||
Dividends yield (FY) 16.07% | Basic EPS (TTM) -2.36 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -35.57% | Operating Margin (TTM) 26.03% |
Management Effectiveness
Return on Assets (TTM) -1.59% | Return on Equity (TTM) -9.61% |
Valuation
Trailing PE - | Forward PE 7.21 | Enterprise Value 9037145088 | Price to Sales(TTM) 1.99 |
Enterprise Value 9037145088 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 7.15 | Enterprise Value to EBITDA - | Shares Outstanding 104155818 | Shares Floating 103375691 |
Shares Outstanding 104155818 | Shares Floating 103375691 | ||
Percent Insiders 0.88 | Percent Institutions 71.21 |
Upturn AI SWOT
Two Harbors Investments Corp
Company Overview
History and Background
Two Harbors Investments Corp. was founded in 2009. It is a real estate investment trust (REIT) focused on investing in, financing, and managing residential mortgage-backed securities (RMBS), mortgage servicing rights (MSR), and other financial assets. The company went public in 2009.
Core Business Areas
- RMBS Portfolio: Invests in Agency RMBS, Non-Agency RMBS, and other mortgage-related securities. Focuses on generating income from the difference between the interest earned on investments and the cost of borrowing.
- Mortgage Servicing Rights (MSR): Owns rights to service mortgage loans, generating income from servicing fees. The MSR business is related to the servicing of loans underlying RMBS, creating synergies.
Leadership and Structure
The company is led by a management team with experience in real estate finance and investment. The organizational structure is typical of a REIT, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Agency RMBS: Government-sponsored entities (GSEs) like Fannie Mae and Freddie Mac guarantee Agency RMBS. Competitors include other REITs and institutional investors. Market share data not readily available; performance tied to interest rate environment.
- Non-Agency RMBS: Non-Agency RMBS are not guaranteed by GSEs and carry more credit risk. Competitors include other REITs and hedge funds. Market share data not readily available; performance tied to housing market conditions.
- MSR: The company invests in mortgage servicing rights. Competitors include other REITs. Market share data is highly fragmented.
Market Dynamics
Industry Overview
The REIT industry is influenced by interest rates, housing market conditions, and regulatory changes. The RMBS market is sensitive to interest rate volatility and prepayment speeds. Mortgage origination and servicing are also affected by interest rates and housing market activity.
Positioning
Two Harbors is a REIT focused on a diversified portfolio of RMBS and MSR. Its competitive advantages include expertise in mortgage finance and risk management.
Total Addressable Market (TAM)
TAM for residential mortgage-backed securities (RMBS) and Mortgage Servicing Rights (MSR) is estimated to be multi-trillion dollars. Two Harbors is positioned to capture a small percentage of this TAM through its investment strategies.
Upturn SWOT Analysis
Strengths
- Experienced management team
- Diversified investment portfolio
- Expertise in mortgage finance and risk management
- Synergies between RMBS and MSR investments
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on external financing
- Complexity of RMBS and MSR investments
- Exposure to prepayment risk
Opportunities
- Expansion of investment portfolio
- Increased demand for mortgage credit
- Favorable regulatory changes
- Potential acquisitions of other REITs or mortgage-related businesses
Threats
- Rising interest rates
- Economic downturn
- Increased competition
- Regulatory changes
Competitors and Market Share
Key Competitors
- AGNC
- NLY
- IVR
- ARR
Competitive Landscape
Two Harbors competes with other REITs for investment opportunities and financing. Competitive advantages depend on investment strategies, risk management, and access to capital.
Major Acquisitions
Matrix Financial Services Corporation
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired Matrix Financial Services Corporation to enhance mortgage servicing capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is dependent on market conditions and the company's investment strategies.
Future Projections: Future growth is uncertain and relies on interest rate trends, housing market dynamics, and company-specific factors.
Recent Initiatives: Recent initiatives might include portfolio adjustments, new investments, and cost-cutting measures. This needs to be specifically looked up on their site, press release, or news.
Summary
Two Harbors is a REIT specializing in RMBS and MSR, making it sensitive to interest rate fluctuations and housing market trends. Their strength lies in their experienced management and diversified portfolio. However, they face the challenge of navigating complex investments and managing prepayment risk. Future performance depends on their ability to adapt to changing market conditions and leverage growth opportunities.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Investment decisions should be made based on thorough research and consultation with a 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 Two Harbors Investments Corp
Exchange NYSE | Headquaters Saint Louis Park, MN, United States | ||
IPO Launch date 2009-10-29 | President & CEO Mr. William Ross Greenberg Ph.D. | ||
Sector Real Estate | Industry REIT - Mortgage | Full time employees 477 | Website https://www.twoinv.com |
Full time employees 477 | Website https://www.twoinv.com | ||
Two Harbors Investment Corp. invests in, finances, and manages mortgage servicing rights (MSRs), agency residential mortgage-backed securities (RMBS), and other financial assets through RoundPoint in the United States. The company target assets include agency RMBS collateralized by fixed rate mortgage loans, adjustable rate mortgage loans, hybrid mortgage loans, or derivatives; and other assets, such as financial and mortgage-related assets, comprising non-agency securities and non-hedging transactions. It qualifies as a REIT for federal income tax purposes. As a REIT, the company must distribute at least 90% of annual taxable income to its stockholders. Two Harbors Investment Corp. was incorporated in 2009 and is headquartered in Saint Louis Park, Minnesota.
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