CHERRY HILL MORTGAGE INVESTM (CHMI) Fundamental Analysis & Valuation

NYSE:CHMI • US1646511014

Current stock price

2.72 USD
+0.05 (+1.87%)
At close:
2.72 USD
0 (0%)
After Hours:

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.
  • In the past year CHMI had a positive cash flow from operations.
  • In multiple years CHMI reported negative net income over the last 5 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.
  • CHMI has a Return On Invested Capital of 0.47%. This is comparable to the rest of the industry: CHMI outperforms 45.59% of its industry peers.
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 has a Operating Margin (11.09%) which is in line with its industry peers.
  • CHMI's Operating Margin has declined in the last couple of years.
  • CHMI's Gross Margin of 28.31% is on the low side compared to the rest of the industry. CHMI is outperformed by 66.18% 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

More info and screens

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.
  • Compared to 5 years ago, CHMI has more shares outstanding
  • 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

  • Based on the Altman-Z score of -1.02, we must say that CHMI is in the distress zone and has some risk of bankruptcy.
  • CHMI has a Altman-Z score of -1.02. This is amonst the worse of the industry: CHMI underperforms 92.65% of its industry peers.
  • CHMI has a debt to FCF ratio of 67.15. This is a negative value and a sign of low solvency as CHMI would need 67.15 years to pay back of all of its debts.
  • The Debt to FCF ratio of CHMI (67.15) is better 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 of 5.20. This is comparable to the rest of the industry: CHMI outperforms 52.94% of 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.
  • Looking at the Current ratio, with a value of 0.05, CHMI is doing worse than 76.47% of the companies in the same industry.
  • CHMI has a Quick 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.
  • With a Quick 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.
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

More info and screens

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

6

3. CHMI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.51% over the past year.
  • 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%.
  • CHMI shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.79% yearly.
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

  • Based on estimates for the next years, CHMI will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.11% on average per year.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

8

4. CHMI Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 5.79, which indicates a rather cheap valuation of CHMI.
  • CHMI's Price/Earnings ratio is rather cheap when compared to the industry. CHMI is cheaper than 95.59% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. CHMI is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 4.94 indicates a rather cheap valuation of CHMI.
  • 95.59% of the companies in the same industry are more expensive than CHMI, based on the Price/Forward Earnings ratio.
  • CHMI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.36.
Industry RankSector Rank
PE 5.79
Fwd PE 4.94
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

  • CHMI's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CHMI is cheaper than 92.65% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.23
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.
  • A more expensive valuation may be justified as CHMI's earnings are expected to grow with 14.11% in the coming years.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y14.11%
EPS Next 3YN/A

More info and screens

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

5

5. CHMI Dividend Analysis

5.1 Amount

  • CHMI has a Yearly Dividend Yield of 15.50%, which is a nice return.
  • Compared to an average industry Dividend Yield of 12.55, CHMI pays a better dividend. On top of this CHMI pays more dividend than 85.29% 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 1.82.
Industry RankSector Rank
Dividend Yield 15.5%

5.2 History

  • The dividend of CHMI decreases each year by -15.21%.
  • CHMI has been paying a dividend for at least 10 years, so it has 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

  • CHMI has negative earnings and hence a negative payout ratio. The dividend may be in danger.
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

More info and screens

Find the best dividend stocksShow peers with best dividend

CHMI Fundamentals: All Metrics, Ratios and Statistics

CHERRY HILL MORTGAGE INVESTM

NYSE:CHMI (5/1/2026, 8:16:14 PM)

After market: 2.72 0 (0%)

2.72

+0.05 (+1.87%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Industry Strength40.99
Industry Growth80.12
Earnings (Last)02-25
Earnings (Next)05-11
Inst Owners17.17%
Inst Owner Change-0.01%
Ins Owners0.97%
Ins Owner Change-1.64%
Market Cap99.93M
Revenue(TTM)82.37M
Net Income(TTM)-3.00M
Analysts82.5
Price Target3.06 (12.5%)
Short Float %1.42%
Short Ratio2.69
Dividend
Industry RankSector Rank
Dividend Yield 15.5%
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)0%
Revenue NQ rev (3m)15.22%
Revenue NY rev (1m)-1.2%
Revenue NY rev (3m)-9.85%
Valuation
Industry RankSector Rank
PE 5.79
Fwd PE 4.94
P/S 1.21
P/FCF 5.23
P/OCF 5.23
P/B 0.42
P/tB 0.42
EV/EBITDA N/A
EPS(TTM)0.47
EY17.28%
EPS(NY)0.55
Fwd EY20.25%
FCF(TTM)0.52
FCFY19.11%
OCF(TTM)0.52
OCFY19.11%
SpS2.24
BVpS6.42
TBVpS6.42
PEG (NY)0.34
PEG (5Y)N/A
Graham Number8.2426 (203.04%)
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 5.79 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.