CHERRY HILL MORTGAGE INVESTM (CHMI) Fundamental Analysis & Valuation

NYSE:CHMI • US1646511014

Current stock price

2.68 USD
+0.01 (+0.37%)
Last:

This CHMI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. CHMI Profitability Analysis

1.1 Basic Checks

  • In the past year CHMI was profitable.
  • CHMI had a positive operating cash flow in the past year.
  • 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 2025 0 50M -50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -0.19%, CHMI is doing worse than 77.94% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -1.27%, CHMI is doing worse than 77.94% of the companies in the same industry.
  • The Return On Invested Capital of CHMI (0.47%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA -0.19%
ROE -1.27%
ROIC 0.47%
ROA(3y)-1.09%
ROA(5y)-0.45%
ROE(3y)-5.95%
ROE(5y)-2.49%
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 2025 0 10 -10 -20

1.3 Margins

  • CHMI's Operating Margin of 11.09% is in line compared to the rest of the industry. CHMI outperforms 45.59% of its industry peers.
  • CHMI's Operating Margin has declined in the last couple of years.
  • The Gross Margin of CHMI (28.31%) is worse than 67.65% of its industry peers.
  • CHMI's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 11.09%
PM (TTM) N/A
GM 28.31%
OM growth 3Y-34.33%
OM growth 5Y-55.66%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-16.26%
GM growth 5Y-45.28%
CHMI Yearly Profit, Operating, Gross MarginsCHMI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200 -200 400 600

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. CHMI Health Analysis

2.1 Basic Checks

  • The number of shares outstanding for CHMI has been increased compared to 1 year ago.
  • The number of shares outstanding for CHMI has been increased compared to 5 years ago.
  • Compared to 1 year ago, CHMI has a worse debt to assets ratio.
CHMI Yearly Shares OutstandingCHMI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • CHMI has an Altman-Z score of -1.02. This is a bad value and indicates that CHMI is not financially healthy and even has some risk of bankruptcy.
  • CHMI has a worse Altman-Z score (-1.02) than 92.65% of its industry peers.
  • The Debt to FCF ratio of CHMI is 67.15, which is on the high side as it means it would take CHMI, 67.15 years of fcf income to pay off all of its debts.
  • CHMI has a better Debt to FCF ratio (67.15) than 77.94% of its industry peers.
  • CHMI has a Debt/Equity ratio of 5.20. This is a high value indicating a heavy dependency on external financing.
  • CHMI has a Debt to Equity ratio (5.20) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity 5.2
Debt/FCF 67.15
Altman-Z -1.02
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 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 0.05 indicates that CHMI may have some problems paying its short term obligations.
  • With a Current ratio value of 0.05, CHMI is not doing good in the industry: 76.47% of the companies in the same industry are doing better.
  • A Quick Ratio of 0.05 indicates that CHMI may have some problems paying its short term obligations.
  • CHMI has a worse Quick ratio (0.05) than 76.47% of its industry peers.
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 2025 500M 1B 1.5B 2B

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

6

3. CHMI Growth Analysis

3.1 Past

  • CHMI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.51%, which is quite impressive.
  • Measured over the past years, CHMI shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -23.47% on average per year.
  • CHMI shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.84%.
  • The Revenue has been growing slightly by 5.79% on average over the past years.
EPS 1Y (TTM)20.51%
EPS 3Y-25.13%
EPS 5Y-23.47%
EPS Q2Q%10%
Revenue 1Y (TTM)-19.84%
Revenue growth 3Y5.79%
Revenue growth 5YN/A
Sales Q2Q%384.85%

3.2 Future

  • The Earnings Per Share is expected to grow by 14.11% on average over the next years. This is quite good.
  • CHMI is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 38.33% yearly.
EPS Next Y17.19%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.75%
Revenue Next 2Y38.33%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CHMI Yearly Revenue VS EstimatesCHMI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 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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8

4. CHMI Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.70, the valuation of CHMI can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of CHMI indicates a rather cheap valuation: CHMI is cheaper than 97.06% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of CHMI to the average of the S&P500 Index (26.78), we can say CHMI is valued rather cheaply.
  • A Price/Forward Earnings ratio of 4.87 indicates a rather cheap valuation of CHMI.
  • Based on the Price/Forward Earnings ratio, CHMI is valued cheaply inside the industry as 97.06% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 23.54. CHMI is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.7
Fwd PE 4.87
CHMI Price Earnings VS Forward Price EarningsCHMI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, CHMI is valued cheaply inside the industry as 92.65% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.16
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 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.33
PEG (5Y)N/A
EPS Next 2Y14.11%
EPS Next 3YN/A

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

5

5. CHMI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 15.75%, CHMI is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 13.66, CHMI pays a better dividend. On top of this CHMI pays more dividend than 80.88% of the companies listed in the same industry.
  • CHMI's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 15.75%

5.2 History

  • The dividend of CHMI decreases each year by -15.21%.
  • CHMI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-15.21%
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 2026 0.5 1 1.5

5.3 Sustainability

  • The earnings of CHMI are negative and hence is the payout ratio. CHMI will probably not be able to sustain this dividend level.
DP-954.95%
EPS Next 2Y14.11%
EPS Next 3YN/A
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 2025 0 20M -20M 40M -40M 60M -60M

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CHMI Fundamentals: All Metrics, Ratios and Statistics

CHERRY HILL MORTGAGE INVESTM

NYSE:CHMI (4/10/2026, 8:12:15 PM)

2.68

+0.01 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners17.35%
Inst Owner Change0%
Ins Owners0.97%
Ins Owner Change-1.64%
Market Cap98.46M
Revenue(TTM)82.37M
Net Income(TTM)-3.00M
Analysts82.5
Price Target3.06 (14.18%)
Short Float %1.04%
Short Ratio1.86
Dividend
Industry RankSector Rank
Dividend Yield 15.75%
Yearly Dividend0.84
Dividend Growth(5Y)-15.21%
DP-954.95%
Div Incr Years0
Div Non Decr Years0
Ex-Date03-31
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.53%
Min EPS beat(2)-11.76%
Max EPS beat(2)2.71%
EPS beat(4)2
Avg EPS beat(4)9.05%
Min EPS beat(4)-13.49%
Max EPS beat(4)58.73%
EPS beat(8)2
Avg EPS beat(8)-14.04%
EPS beat(12)2
Avg EPS beat(12)-14.61%
EPS beat(16)3
Avg EPS beat(16)-12.79%
Revenue beat(2)2
Avg Revenue beat(2)38.89%
Min Revenue beat(2)30.72%
Max Revenue beat(2)47.06%
Revenue beat(4)4
Avg Revenue beat(4)32.7%
Min Revenue beat(4)14.98%
Max Revenue beat(4)47.06%
Revenue beat(8)6
Avg Revenue beat(8)302.13%
Revenue beat(12)8
Avg Revenue beat(12)201.27%
Revenue beat(16)10
Avg Revenue beat(16)196.02%
PT rev (1m)0%
PT rev (3m)4.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)15.22%
Revenue NQ rev (3m)15.22%
Revenue NY rev (1m)-9.85%
Revenue NY rev (3m)-9.85%
Valuation
Industry RankSector Rank
PE 5.7
Fwd PE 4.87
P/S 1.2
P/FCF 5.16
P/OCF 5.16
P/B 0.42
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)0.47
EY17.54%
EPS(NY)0.55
Fwd EY20.55%
FCF(TTM)0.52
FCFY19.4%
OCF(TTM)0.52
OCFY19.4%
SpS2.24
BVpS6.42
TBVpS6.42
PEG (NY)0.33
PEG (5Y)N/A
Graham Number8.24
Profitability
Industry RankSector Rank
ROA -0.19%
ROE -1.27%
ROCE 2.76%
ROIC 0.47%
ROICexc 0.49%
ROICexgc 0.5%
OM 11.09%
PM (TTM) N/A
GM 28.31%
FCFM 23.18%
ROA(3y)-1.09%
ROA(5y)-0.45%
ROE(3y)-5.95%
ROE(5y)-2.49%
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 3Y-35.39%
ROICexgc growth 5YN/A
ROICexc growth 3Y-34.68%
ROICexc growth 5YN/A
OM growth 3Y-34.33%
OM growth 5Y-55.66%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-16.26%
GM growth 5Y-45.28%
F-Score5
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 5.2
Debt/FCF 67.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 0.15
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.05
Quick Ratio 0.05
Altman-Z -1.02
F-Score5
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-25.13%
EPS 5Y-23.47%
EPS Q2Q%10%
EPS Next Y17.19%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.84%
Revenue growth 3Y5.79%
Revenue growth 5YN/A
Sales Q2Q%384.85%
Revenue Next Year18.75%
Revenue Next 2Y38.33%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-43.98%
EBIT growth 3Y-30.53%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y507.1%
FCF growth 3Y-31.69%
FCF growth 5Y-21.08%
OCF growth 1Y507.1%
OCF growth 3Y-31.69%
OCF growth 5Y-21.08%

CHERRY HILL MORTGAGE INVESTM / CHMI Fundamental Analysis FAQ

What is the fundamental rating for CHMI stock?

ChartMill assigns a fundamental rating of 4 / 10 to CHMI.


What is the valuation status for CHMI stock?

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


How profitable is CHERRY HILL MORTGAGE INVESTM (CHMI) stock?

CHERRY HILL MORTGAGE INVESTM (CHMI) has a profitability rating of 2 / 10.


What are the PE and PB ratios of CHERRY HILL MORTGAGE INVESTM (CHMI) stock?

The Price/Earnings (PE) ratio for CHERRY HILL MORTGAGE INVESTM (CHMI) is 5.7 and the Price/Book (PB) ratio is 0.42.


What is the financial health of CHERRY HILL MORTGAGE INVESTM (CHMI) stock?

The financial health rating of CHERRY HILL MORTGAGE INVESTM (CHMI) is 1 / 10.