Cherry Hill Mortgage Investment Corporation (CHMI) AI Stock Analysis

Cherry Hill Mortgage Investment Corporation is a residential real estate finance company that specializes in acquiring, investing in, and managing residential mortgage assets in the United States. Its operations are divided into three segments: Investments in RMBS (residential mortgage-backed securities), Investments in Servicing Related Assets, and All Other segments. Its portfolio focuses mainly on servicing related assets and diverse RMBS. As a real estate investment trust, it distributes at least 90% of taxable income to stockholders to maintain its tax-efficient structure.

Annual revenue reached $105.4M in FY2025, representing revenue growth of 204.8% following $34.6M in FY2024 and -$21.2M in FY2023. Gross margin was 91.2% in FY2025, while operating margin reached 55.9% and net margin was 6.5%. Net income was $6.8M with diluted earnings per share of $0.47 in FY2025, down from $12.0M in FY2024 and $21.7M in FY2022. Over the trailing twelve months ended June 30, 2026, revenue stood at $42.2M with a profit margin of 38.6%. In the latest quarter ended June 30, 2026, quarterly revenue grew 27.6% year-over-year, while quarterly earnings declined 49.5%.

As of June 30, 2026, Cherry Hill Mortgage Investment Corporation held $1.34B in cash and short-term investments against total debt of $1.15B, resulting in net cash of $193.6M. Total assets were $1.40B against shareholders' equity of $226.4M, with a debt-to-equity ratio of 5.08 and a current ratio of 90.19. Both operating cash flow and free cash flow were -$4.7M in FY2025. Financing activities included $28.7M of dividends paid in FY2025, while the 5-year share count change was 104.3%.

CHMI trades at a trailing P/E of 13.1x and a forward P/E of 9.0x, compared to a trailing median of 21.6x and forward median of 23.5x for its US-listed Real Estate peers. Its price-to-book ratio is 0.8x and its price-to-sales ratio is 2.2x, below the peer median price-to-sales of 3.7x. The company's EV/EBITDA multiple is 9.0x versus the peer median of 14.7x. Over the past year, the stock returned 21.0%, outperforming the S&P 500 (SPY) return of 16.8%. Over five years, the stock returned -37.7% compared to 83.0% for the index.

Cherry Hill Mortgage Investment Corporation pays a quarterly dividend with an annual forward dividend of $0.40, equating to a dividend yield of 16.06%. The payout ratio is 81.6%. The company has paid dividends for 14 consecutive years, though its 5-year annualized dividend growth is -13.1%. Its last ex-dividend date was September 30, 2026.

Wall Street coverage consists of 2 Hold ratings, with 0 Buy, 0 Strong Buy, 0 Sell, and 0 Strong Sell ratings. The mean price target is $3.10, representing 24.5% upside relative to the last close of $2.49. For the current fiscal year ending December 31, 2026, analysts estimate EPS of $0.57 on revenue of $16.6M. For the next fiscal year, 2 analysts project EPS of $0.53 and revenue of $12.9M. Over the last 4 quarters, the company delivered 2 EPS beats. The next earnings date is November 5, 2026.

This page is an AI-written research summary of Cherry Hill Mortgage Investment Corporation (CHMI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CHMI income statement, CHMI balance sheet, CHMI key metrics, CHMI analyst forecast, CHMI chart. See the CHMI stock overview for the latest quote and news.