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Two Harbors Investment Corp. (TWOD)
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Upturn Advisory Summary
09/15/2025: TWOD (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.
Analysis of Past Performance
Type Stock | Historic Profit -0.2% | Avg. Invested days 25 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 25.05 - 25.90 | Updated Date 05/31/2025 |
52 Weeks Range 25.05 - 25.90 | Updated Date 05/31/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Upturn AI SWOT
Two Harbors Investment Corp.
Company Overview
History and Background
Two Harbors Investment Corp. was founded in 2009. It is a real estate investment trust (REIT) that focuses on investing in, financing, and managing residential mortgage-backed securities (RMBS), mortgage servicing rights (MSRs), and other financial assets.
Core Business Areas
- Residential Mortgage-Backed Securities (RMBS): Invests in and manages a portfolio of Agency and Non-Agency RMBS. Agency RMBS are guaranteed by government-sponsored enterprises (GSEs) like Fannie Mae and Freddie Mac, while Non-Agency RMBS are not.
- Mortgage Servicing Rights (MSRs): Acquires and manages MSRs, which are the rights to service mortgage loans. This involves collecting mortgage payments from borrowers and remitting them to investors.
Leadership and Structure
The leadership team consists of the Chief Executive Officer, Chief Financial Officer, and other key executives. The organizational structure includes departments for investment management, risk management, and finance.
Top Products and Market Share
Key Offerings
- Agency RMBS: These are mortgage-backed securities guaranteed by agencies, lowering risk. Two Harbors holds a significant portfolio of these. Market share data not directly attributable. Competitors: Annaly Capital Management (NLY), AGNC Investment Corp. (AGNC).
- Non-Agency RMBS: RMBS that are not guaranteed and therefore have higher risk/reward profiles. Market share data not directly attributable. Competitors: Annaly Capital Management (NLY), Chimera Investment Corporation (CIM).
- Mortgage Servicing Rights (MSRs): Rights to service mortgage loans, generating income from servicing fees. Market share data not directly attributable. Competitors: PennyMac Financial Services (PFSI), New Residential Investment Corp. (NRZ).
Market Dynamics
Industry Overview
The REIT sector is influenced by interest rates, economic conditions, and housing market trends. Mortgage REITs are particularly sensitive to changes in interest rate spreads and prepayment speeds.
Positioning
Two Harbors is a diversified mortgage REIT with investments in RMBS and MSRs. Its competitive advantage lies in its portfolio management expertise and risk management capabilities.
Total Addressable Market (TAM)
The TAM for mortgage REITs is substantial, consisting of the entire US mortgage market. Two Harbors is positioned to capture a portion of this market through its diversified investment strategy.
Upturn SWOT Analysis
Strengths
- Diversified investment portfolio
- Experienced management team
- Strong risk management capabilities
- Established presence in the RMBS and MSR markets
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on external financing
- Complexity of mortgage-backed securities
- Exposure to prepayment risk
Opportunities
- Expansion into new asset classes
- Growth in the MSR market
- Strategic acquisitions
- Increased demand for housing
Threats
- Rising interest rates
- Economic recession
- Increased competition
- Changes in government regulations
Competitors and Market Share
Key Competitors
- Annaly Capital Management (NLY)
- AGNC Investment Corp. (AGNC)
- Chimera Investment Corporation (CIM)
Competitive Landscape
Two Harbors competes with other mortgage REITs for investment opportunities and capital. Its competitive advantages include its diversified portfolio, experienced management team, and strong risk management capabilities.
Major Acquisitions
RoundPoint Mortgage Servicing Corporation
- Year: 2018
- Acquisition Price (USD millions): 257
- Strategic Rationale: Acquisition of a large MSR platform.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by acquisitions, market conditions, and investment performance.
Future Projections: Future growth projections are based on analyst estimates and company guidance. These projections are subject to change and are not guaranteed.
Recent Initiatives: Recent initiatives include portfolio optimization, strategic acquisitions, and efforts to manage risk.
Summary
Two Harbors Investment Corp. is a diversified mortgage REIT with a focus on RMBS and MSRs. The company's performance is heavily influenced by interest rate fluctuations and market conditions. Diversified investments and a skilled management team are strengths, while sensitivity to interest rates and reliance on external funding are weaknesses. Keeping up with regulatory updates and economic trends are key for success.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Financial news sources
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise.
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 Investment Corp.
Exchange NYSE | Headquaters Saint Louis Park, MN, United States | ||
IPO Launch date 2025-05-16 | President & CEO Mr. William Ross Greenberg Ph.D. | ||
Sector - | Industry - | 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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