CHERRY HILL MORTGAGE INVESTM (CHMI) Stock Fundamental Analysis
NYSE:CHMI - New York Stock Exchange, Inc. - US1646511014 - REIT - Currency: USD
We assign a fundamental rating of 4 out of 10 to CHMI. CHMI was compared to 67 industry peers in the Mortgage Real Estate Investment Trusts (REITs)" industry. CHMI has a bad profitability rating. Also its financial health evaluation is rather negative. CHMI has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
CHMI had positive earnings in the past year.
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.
1.2 Ratios
CHMI has a Return On Assets of -1.07%. This is in the lower half of the industry: CHMI underperforms 76.12% of its industry peers.
CHMI's Return On Equity of -6.95% is on the low side compared to the rest of the industry. CHMI is outperformed by 77.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.07% | ||
| ROE | -6.95% | ||
| ROIC | N/A |
ROA(3y)-0.74%
ROA(5y)-1.19%
ROE(3y)-4.01%
ROE(5y)-6.23%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
In the last couple of years the Profit Margin of CHMI has declined.
In the last couple of years the Operating Margin of CHMI has declined.
The Gross Margin of CHMI (15.35%) is comparable to the rest of the industry.
CHMI's Gross Margin has declined in the last couple of years.
The Profit Margin and Operating Margin are not available for CHMI so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 15.35% |
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
2. Health
2.1 Basic Checks
CHMI has more shares outstanding than it did 1 year ago.
CHMI has more shares outstanding than it did 5 years ago.
CHMI has a worse debt/assets ratio than last year.
2.2 Solvency
CHMI has an Altman-Z score of -0.98. This is a bad value and indicates that CHMI is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.98, CHMI is doing worse than 89.55% of the companies in the same industry.
The Debt to FCF ratio of CHMI is 52.14, which is on the high side as it means it would take CHMI, 52.14 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 52.14, CHMI is in the better half of the industry, outperforming 67.16% of the companies in the same industry.
CHMI has a Debt/Equity ratio of 5.31. This is a high value indicating a heavy dependency on external financing.
CHMI has a Debt to Equity ratio (5.31) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 52.14 | ||
| Altman-Z | -0.98 |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
CHMI has a Current Ratio of 0.06. 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 0.06 is on the low side compared to the rest of the industry. CHMI is outperformed by 82.09% of its industry peers.
A Quick Ratio of 0.06 indicates that CHMI may have some problems paying its short term obligations.
CHMI's Quick ratio of 0.06 is on the low side compared to the rest of the industry. CHMI is outperformed by 82.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 |
3. Growth
3.1 Past
The earnings per share for CHMI have decreased strongly by -16.67% in the last year.
The earnings per share for CHMI have been decreasing by -27.62% on average. This is quite bad
The Revenue has been growing slightly by 0.71% in the past year.
CHMI shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 33.15% yearly.
EPS 1Y (TTM)-16.67%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%25%
Revenue 1Y (TTM)0.71%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%-88.42%
3.2 Future
Based on estimates for the next years, CHMI will show a very strong growth in Earnings Per Share. The EPS will grow by 29.04% on average per year.
The Revenue is expected to grow by 190.21% on average over the next years. This is a very strong growth
EPS Next Y40.36%
EPS Next 2Y29.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year443.63%
Revenue Next 2Y190.21%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.67 indicates a rather cheap valuation of CHMI.
CHMI's Price/Earnings ratio is rather cheap when compared to the industry. CHMI is cheaper than 89.55% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.84, CHMI is valued rather cheaply.
A Price/Forward Earnings ratio of 4.62 indicates a rather cheap valuation of CHMI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CHMI indicates a rather cheap valuation: CHMI is cheaper than 95.52% of the companies listed in the same industry.
CHMI's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 4.62 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CHMI is valued cheaper than 94.03% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.62 | ||
| EV/EBITDA | N/A |
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 29.04% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
PEG (5Y)N/A
EPS Next 2Y29.04%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 11.03%, CHMI is a good candidate for dividend investing.
CHMI's Dividend Yield is a higher than the industry average which is at 10.66.
Compared to an average S&P500 Dividend Yield of 2.36, CHMI pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.03% |
5.2 History
The dividend of CHMI decreases each year by -18.25%.
CHMI has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)-18.25%
Div Incr Years0
Div Non Decr Years0
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-181.76%
EPS Next 2Y29.04%
EPS Next 3YN/A
NYSE:CHMI (8/15/2025, 8:11:30 PM)
3
+0.06 (+2.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryMortgage Real Estate Investment Trusts (REITs)"
Earnings (Last)
Earnings (Next)
Inst Owners13.94%
Inst Owner Change28.89%
Ins Owners1.12%
Ins Owner Change28.86%
Market Cap108.15M
Analysts82.22
Price Target4.08 (36%)
Short Float %1.67%
Short Ratio2.08
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 11.03% |
Yearly Dividend0.91
Dividend Growth(5Y)-18.25%
DP-181.76%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)22.62%
Min EPS beat(2)-13.49%
Max EPS beat(2)58.73%
EPS beat(4)1
Avg EPS beat(4)-6.17%
Min EPS beat(4)-49.4%
Max EPS beat(4)58.73%
EPS beat(8)1
Avg EPS beat(8)-15.41%
EPS beat(12)1
Avg EPS beat(12)-15.8%
EPS beat(16)3
Avg EPS beat(16)-12.79%
Revenue beat(2)2
Avg Revenue beat(2)26.51%
Min Revenue beat(2)14.98%
Max Revenue beat(2)38.05%
Revenue beat(4)3
Avg Revenue beat(4)170.59%
Min Revenue beat(4)-50.82%
Max Revenue beat(4)680.17%
Revenue beat(8)5
Avg Revenue beat(8)69.83%
Revenue beat(12)7
Avg Revenue beat(12)91.22%
Revenue beat(16)9
Avg Revenue beat(16)95.2%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)-5.56%
EPS NQ rev (3m)-37.04%
EPS NY rev (1m)0%
EPS NY rev (3m)3.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-81.76%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.41%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.67 | ||
| Fwd PE | 4.62 | ||
| P/S | 1.37 | ||
| P/FCF | 4.62 | ||
| P/OCF | 4.62 | ||
| P/B | 0.47 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.45
EY15%
EPS(NY)0.65
Fwd EY21.65%
FCF(TTM)0.65
FCFY21.66%
OCF(TTM)0.65
OCFY21.66%
SpS2.19
BVpS6.38
TBVpS6.38
PEG (NY)0.17
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.07% | ||
| ROE | -6.95% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 15.35% | ||
| FCFM | 29.7% |
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
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-Score3
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.31 | ||
| Debt/FCF | 52.14 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.06 | ||
| Quick Ratio | 0.06 | ||
| Altman-Z | -0.98 |
F-Score3
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)-16.67%
EPS 3Y-28.34%
EPS 5Y-27.62%
EPS Q2Q%25%
EPS Next Y40.36%
EPS Next 2Y29.04%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.71%
Revenue growth 3Y29.32%
Revenue growth 5Y33.15%
Sales Q2Q%-88.42%
Revenue Next Year443.63%
Revenue Next 2Y190.21%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y32.63%
EBIT growth 3Y7.04%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-33.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-33.44%
OCF growth 3YN/A
OCF growth 5YN/A