CHERRY HILL MORTGAGE INVESTM (CHMI) Stock Fundamental Analysis

NYSE:CHMI • US1646511014

2.63 USD
+0.04 (+1.54%)
At close: Feb 26, 2026
2.5972 USD
-0.03 (-1.25%)
After Hours: 2/26/2026, 8:16:38 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall CHMI gets a fundamental rating of 5 out of 10. We evaluated CHMI against 69 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CHMI may be in some trouble as it scores bad on both profitability and health. CHMI is evaluated to be cheap and growing strongly. This does not happen too often!


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • CHMI had positive earnings in the past year.
  • In the past year CHMI had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: CHMI reported negative net income in multiple years.
  • CHMI had a positive operating cash flow in 4 of the past 5 years.
CHMI Yearly Net Income VS EBIT VS OCF VS FCFCHMI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

1.2 Ratios

  • CHMI's Return On Assets of 0.05% is on the low side compared to the rest of the industry. CHMI is outperformed by 65.22% of its industry peers.
  • CHMI has a worse Return On Equity (0.33%) than 65.22% of its industry peers.
  • CHMI has a Return On Invested Capital of 0.75%. This is in the better half of the industry: CHMI outperforms 68.12% of its industry peers.
Industry RankSector Rank
ROA 0.05%
ROE 0.33%
ROIC 0.75%
ROA(3y)-0.74%
ROA(5y)-1.19%
ROE(3y)-4.01%
ROE(5y)-6.23%
ROIC(3y)N/A
ROIC(5y)N/A
CHMI Yearly ROA, ROE, ROICCHMI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

1.3 Margins

  • With a Profit Margin value of 0.85%, CHMI is not doing good in the industry: 65.22% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of CHMI has declined.
  • CHMI has a better Operating Margin (16.27%) than 62.32% of its industry peers.
  • CHMI's Operating Margin has declined in the last couple of years.
  • CHMI's Gross Margin of 32.07% is fine compared to the rest of the industry. CHMI outperforms 65.22% of its industry peers.
  • In the last couple of years the Gross Margin of CHMI has declined.
Industry RankSector Rank
OM 16.27%
PM (TTM) 0.85%
GM 32.07%
OM growth 3Y-17.23%
OM growth 5YN/A
PM growth 3Y-26.59%
PM growth 5YN/A
GM growth 3Y-13.35%
GM growth 5YN/A
CHMI Yearly Profit, Operating, Gross MarginsCHMI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200 -200 400 600

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • The number of shares outstanding for CHMI has been increased compared to 1 year ago.
  • CHMI has more shares outstanding than it did 5 years ago.
  • CHMI has a worse debt/assets ratio than last year.
CHMI Yearly Shares OutstandingCHMI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
CHMI Yearly Total Debt VS Total AssetsCHMI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.96, we must say that CHMI is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of CHMI (-0.96) is worse than 91.30% of its industry peers.
  • CHMI has a debt to FCF ratio of 75.24. This is a negative value and a sign of low solvency as CHMI would need 75.24 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 75.24, CHMI is doing good in the industry, outperforming 72.46% of the companies in the same industry.
  • A Debt/Equity ratio of 5.38 is on the high side and indicates that CHMI has dependencies on debt financing.
  • With a Debt to Equity ratio value of 5.38, CHMI perfoms like the industry average, outperforming 52.17% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 5.38
Debt/FCF 75.24
Altman-Z -0.96
ROIC/WACCN/A
WACCN/A
CHMI Yearly LT Debt VS Equity VS FCFCHMI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

  • CHMI has a Current Ratio of 0.05. This is a bad value and indicates that CHMI is not financially healthy enough and could expect problems in meeting its short term obligations.
  • CHMI's Current ratio of 0.05 is on the low side compared to the rest of the industry. CHMI is outperformed by 76.81% of its industry peers.
  • A Quick Ratio of 0.05 indicates that CHMI may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.05, CHMI is doing worse than 76.81% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.05
Quick Ratio 0.05
CHMI Yearly Current Assets VS Current LiabilitesCHMI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

9

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.51% over the past year.
  • CHMI shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -27.62% yearly.
  • The Revenue has grown by 146.63% in the past year. This is a very strong growth!
  • The Revenue has been growing by 33.15% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)20.51%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%10%
Revenue 1Y (TTM)146.63%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%386.36%

3.2 Future

  • The Earnings Per Share is expected to grow by 16.21% on average over the next years. This is quite good.
  • Based on estimates for the next years, CHMI will show a very strong growth in Revenue. The Revenue will grow by 175.88% on average per year.
EPS Next Y21.62%
EPS Next 2Y18.84%
EPS Next 3Y16.21%
EPS Next 5YN/A
Revenue Next Year477.78%
Revenue Next 2Y175.88%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
CHMI Yearly Revenue VS EstimatesCHMI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 20M 40M 60M 80M 100M
CHMI Yearly EPS VS EstimatesCHMI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2

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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 5.60, the valuation of CHMI can be described as very cheap.
  • Based on the Price/Earnings ratio, CHMI is valued cheaply inside the industry as 94.20% of the companies are valued more expensively.
  • CHMI's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.21.
  • The Price/Forward Earnings ratio is 4.77, which indicates a rather cheap valuation of CHMI.
  • 95.65% of the companies in the same industry are more expensive than CHMI, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, CHMI is valued rather cheaply.
Industry RankSector Rank
PE 5.6
Fwd PE 4.77
CHMI Price Earnings VS Forward Price EarningsCHMI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • CHMI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CHMI is cheaper than 91.30% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.8
EV/EBITDA N/A
CHMI Per share dataCHMI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • CHMI's earnings are expected to grow with 16.21% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y18.84%
EPS Next 3Y16.21%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • CHMI has a Yearly Dividend Yield of 15.63%, which is a nice return.
  • CHMI's Dividend Yield is rather good when compared to the industry average which is at 11.19. CHMI pays more dividend than 91.30% of the companies in the same industry.
  • CHMI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 15.63%

5.2 History

  • The dividend of CHMI decreases each year by -18.25%.
  • CHMI has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)-18.25%
Div Incr Years0
Div Non Decr Years0
CHMI Yearly Dividends per shareCHMI Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • 3844.33% of the earnings are spent on dividend by CHMI. This is not a sustainable payout ratio.
DP3844.33%
EPS Next 2Y18.84%
EPS Next 3Y16.21%
CHMI Yearly Income VS Free CF VS DividendCHMI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M 60M -60M
CHMI Dividend Payout.CHMI Dividend Payout, showing the Payout Ratio.CHMI Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CHERRY HILL MORTGAGE INVESTM

NYSE:CHMI (2/26/2026, 8:16:38 PM)

After market: 2.5972 -0.03 (-1.25%)

2.63

+0.04 (+1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)11-06
Earnings (Next)03-10
Inst Owners16.92%
Inst Owner Change4.55%
Ins Owners0.97%
Ins Owner Change-1.64%
Market Cap96.63M
Revenue(TTM)102.76M
Net Income(TTM)776.00K
Analysts82.5
Price Target3.06 (16.35%)
Short Float %1.11%
Short Ratio2.06
Dividend
Industry RankSector Rank
Dividend Yield 15.63%
Yearly Dividend0.91
Dividend Growth(5Y)-18.25%
DP3844.33%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-12.63%
Min EPS beat(2)-13.49%
Max EPS beat(2)-11.76%
EPS beat(4)1
Avg EPS beat(4)3.24%
Min EPS beat(4)-20.51%
Max EPS beat(4)58.73%
EPS beat(8)1
Avg EPS beat(8)-15.91%
EPS beat(12)1
Avg EPS beat(12)-16.04%
EPS beat(16)3
Avg EPS beat(16)-12.33%
Revenue beat(2)2
Avg Revenue beat(2)31.02%
Min Revenue beat(2)14.98%
Max Revenue beat(2)47.06%
Revenue beat(4)3
Avg Revenue beat(4)12.32%
Min Revenue beat(4)-50.82%
Max Revenue beat(4)47.06%
Revenue beat(8)5
Avg Revenue beat(8)273.3%
Revenue beat(12)7
Avg Revenue beat(12)159.46%
Revenue beat(16)10
Avg Revenue beat(16)205.68%
PT rev (1m)4.35%
PT rev (3m)-17.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-8.7%
EPS NY rev (1m)0%
EPS NY rev (3m)-8.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-20%
Revenue NY rev (1m)0%
Revenue NY rev (3m)14.92%
Valuation
Industry RankSector Rank
PE 5.6
Fwd PE 4.77
P/S 1.05
P/FCF 5.8
P/OCF 5.8
P/B 0.41
P/tB 0.41
EV/EBITDA N/A
EPS(TTM)0.47
EY17.87%
EPS(NY)0.55
Fwd EY20.94%
FCF(TTM)0.45
FCFY17.26%
OCF(TTM)0.45
OCFY17.26%
SpS2.5
BVpS6.35
TBVpS6.35
PEG (NY)0.26
PEG (5Y)N/A
Graham Number8.19
Profitability
Industry RankSector Rank
ROA 0.05%
ROE 0.33%
ROCE 3.86%
ROIC 0.75%
ROICexc 0.78%
ROICexgc 0.79%
OM 16.27%
PM (TTM) 0.85%
GM 32.07%
FCFM 18.17%
ROA(3y)-0.74%
ROA(5y)-1.19%
ROE(3y)-4.01%
ROE(5y)-6.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3Y1.82%
ROICexgc growth 5YN/A
ROICexc growth 3Y1.54%
ROICexc growth 5YN/A
OM growth 3Y-17.23%
OM growth 5YN/A
PM growth 3Y-26.59%
PM growth 5YN/A
GM growth 3Y-13.35%
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.38
Debt/FCF 75.24
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.4
Cash Conversion N/A
Profit Quality 2148.71%
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -0.96
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.51%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%10%
EPS Next Y21.62%
EPS Next 2Y18.84%
EPS Next 3Y16.21%
EPS Next 5YN/A
Revenue 1Y (TTM)146.63%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%386.36%
Revenue Next Year477.78%
Revenue Next 2Y175.88%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y146.16%
EBIT growth 3Y7.04%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-55.3%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-55.3%
OCF growth 3YN/A
OCF growth 5YN/A

CHERRY HILL MORTGAGE INVESTM / CHMI FAQ

What is the fundamental rating for CHMI stock?

ChartMill assigns a fundamental rating of 5 / 10 to CHMI.


What is the valuation status of CHERRY HILL MORTGAGE INVESTM (CHMI) stock?

ChartMill assigns a valuation rating of 8 / 10 to CHERRY HILL MORTGAGE INVESTM (CHMI). This can be considered as Undervalued.


Can you provide the profitability details for CHERRY HILL MORTGAGE INVESTM?

CHERRY HILL MORTGAGE INVESTM (CHMI) has a profitability rating of 3 / 10.


What is the earnings growth outlook for CHERRY HILL MORTGAGE INVESTM?

The Earnings per Share (EPS) of CHERRY HILL MORTGAGE INVESTM (CHMI) is expected to grow by 21.62% in the next year.


Can you provide the dividend sustainability for CHMI stock?

The dividend rating of CHERRY HILL MORTGAGE INVESTM (CHMI) is 5 / 10 and the dividend payout ratio is 3844.33%.