Cherry Hill Mortgage Investment Corporation Common Stock (CHMI)

FairStock Score: 34/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a margin of safety, and Cherry Hill offers a mixed picture. It is a small residential mortgage REIT with only 14 employees, earning money from mortgage-backed securities and servicing-related assets. It has no obvious wide moat; its results depend on financing costs, prepayments, credit, and interest-rate spreads. At the close on 2026-10-13, the stock was $2.54 and market cap was $93.8M. FairStock's calculations show P/B 0.78, P/E 12.10, ROE 7.20%, ROCE 1.15%, D/E 5.04, dividend yield 14.18%, beta 1.07, Piotroski F-Score 5/9, PEG 0.11, and FairStock Score 34/100. The filed figures show a turnaround: fiscal 2023 net loss was $35.5M and diluted EPS -$1.70; fiscal 2024 net income was $12.2M and diluted EPS $0.07; fiscal 2025 net income was $6.9M but diluted EPS -$0.09. In fiscal Q2 2026, the quarter ended 2026-06-30, net income was $3.8M and diluted EPS $0.04, while fiscal Q1 2026 net income was $429,000 and diluted EPS -$0.05. So profits are small, uneven, and heavily levered. Price-to-book below one and a low PEG may be attractive if the turnaround holds, but the 14.18% yield looks stretched against EPS of $0.21. For a financial firm, I would want CET1, net interest margin, and credit-loss data; none are given. Without them, this is a speculative turnaround, not a fortress.

In plain English: Cherry Hill Mortgage Investment is a small real estate company that invests in U.S. residential mortgages and mortgage-related assets. Its profits have swung from a big loss to small profits, and it uses a lot of borrowed money, so the business looks fragile. The shares trade below the accounting value of its assets and at a modest price compared with earnings, so they may look cheap, but the very high dividend yield may not be well covered.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer