Cherry Hill Mortgage Investment Corp (CHMI) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Cherry Hill Mortgage Investment Corp $3.39, price $2.76, upside +22.9%, quality 33 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $1.81 – $4.76 · the $2.76 price screens below the $3.39 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Cherry Hill Mortgage Investment Corporation, a residential real estate finance company, acquires, invests, and manages residential mortgage assets in the United States. It operates in two segments, Investments in RMBS and Investments in Servicing Related Assets. The trust qualifies as a real estate investment trust for federal income tax purposes.
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Cherry Hill Mortgage Investment Corporation, a residential real estate finance company, acquires, invests, and manages residential mortgage assets in the United States. It operates in two segments, Investments in RMBS and Investments in Servicing Related Assets. The trust qualifies as a real estate investment trust for federal income tax purposes. The company has elected to be taxed as a real estate investment trust (REIT) and would not be subject to federal corporate income taxes if it distributes at least 90% of its taxable income to its stockholders. Cherry Hill Mortgage Investment Corporation was incorporated in 2012 and is based in Tinton Falls, New Jersey.
Stock analysis
Cherry Hill Mortgage Investment Corp (CHMI) currently trades at $2.76, while our model-based Fair Value estimate is $3.39, implying the stock looks roughly 18.6% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $8.63 per share, and 9 of the 9 models we run sit above the $2.76 price.
Bear case: the Multiples group reads lowest at $3.28, and 0 of the 9 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 33/100 (below-average quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cherry Hill Mortgage Investment Corp reported revenue of $105M in FY2025 versus $28.1M in FY2021, a compound +39.1%/yr. Reported net income was $6.8M in FY2025, compounding −13.7%/yr from FY2021.
Key figures
Market cap $100M · P/E ratio 18.1 · P/S ratio 1.18 · EPS (TTM) $0.1500 · Net margin 6.5% · Return on equity 6.2% · Return on assets (EBIT) 1.1% · Operating margin 19.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (medium confidence).
What moves the price
The share trades about 7% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at 23%, CHMI screens richer than that median.
Fair Value models
Bear $3.39Fair Value $3.39Bull $3.39
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.52/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+204.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.9%
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+16.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+16.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−23% vs −20%, slowing
Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.46% → 56%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 7.8%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.REIT - Mortgage · 39 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score32 · Bottom 25%
Fair Value upside+23% · Below median
Profitability
Return on equity (TTM)6% · Above median
Return on assets1% · Below median
Net margin (TTM)35% · Above median
Operating margin (TTM)20% · Below median
Growth and dividend
Revenue growth−35% · Bottom 25%
Dividend yield (TTM)16.3% · Above median
Balance sheet
Debt / equity0.62× · Lowest 25%
Valuation Multiplesvs REIT - Mortgage median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Cherry Hill Mortgage Investment Corp Fair Value". https://www.fairvalue-calculator.com/stock/CHMI
Frequently asked questions
Is Cherry Hill Mortgage Investment Corp (CHMI) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $3.39 versus a price of $2.76, about +23% upside (undervalued).
What is the fair value of CHMI?
Our model-based fair value for Cherry Hill Mortgage Investment Corp is $3.39 (as of Sep 23, 2026), built from audited fundamentals. The current price: $2.76.
What is the quality score of CHMI?
Cherry Hill Mortgage Investment Corp has a Quality Score of 33/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Cherry Hill Mortgage Investment Corp (CHMI)?
Our model-based price target is the fair value of $3.39 (as of Sep 23, 2026) from 9 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Cherry Hill Mortgage Investment Corp stock forecast for 2026?
Our models put fair value at $3.39, about +23% upside versus a price of $2.76 (undervalued). The calculation is refreshed regularly with new filings.
What is the revenue of Cherry Hill Mortgage Investment Corp (CHMI)?
Cherry Hill Mortgage Investment Corp reported trailing-twelve-month revenue of about $40.0M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Cherry Hill Mortgage Investment Corp (CHMI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cherry Hill Mortgage Investment Corp it is $3.39 per share (as of Sep 23, 2026), against a price of $2.76. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is Cherry Hill Mortgage Investment Corp stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CHMI trades below its calculated fair value: price $2.76, fair value $3.39, a gap of about +23% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHMI?
No. The price is what the market pays today ($2.76); the fair value is what the company's own numbers justify ($3.39). For Cherry Hill Mortgage Investment Corp the two are $0.6320 per share apart. That gap is exactly why we show both numbers side by side.
How much is Cherry Hill Mortgage Investment Corp worth?
The market values Cherry Hill Mortgage Investment Corp at about $100M (market capitalisation, as of Sep 23, 2026). Per share that is $2.76; our models calculate a fair value of $3.39 per share.
What is the P/E ratio of CHMI?
Cherry Hill Mortgage Investment Corp trades at a price-to-earnings ratio of 18.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $3.39 is built from several models across several years. Other multiples: P/B 0.4, P/S 2.5, EV/EBITDA 3.2.
How solid is the balance sheet of Cherry Hill Mortgage Investment Corp (CHMI)?
Balance-sheet figures for Cherry Hill Mortgage Investment Corp (as of Sep 23, 2026): return on equity 6.2%, debt of 0.62 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is CHMI from its 52-week high?
Cherry Hill Mortgage Investment Corp trades at $2.76, about 7% below its 52-week high of $2.97 and 37% above the low of $2.02 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $3.39 is for.
Which stocks are comparable to Cherry Hill Mortgage Investment Corp?
From the same area (Real Estate) we also value Annaly Capital Management, Inc, AGNC Investment Corp, Starwood Property Trust, Inc, Rithm Capital Corp, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Cherry Hill Mortgage Investment Corp stock attractive at the current price?
The data as of Sep 23, 2026: price $2.76, calculated fair value $3.39 (+23%), Quality Score 33/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHMI calculated?
We run Cherry Hill Mortgage Investment Corp through 9 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $3.39, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Cherry Hill Mortgage Investment Corp currently trades 23 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Cherry Hill Mortgage Investment Corp (CHMI)?
The closing price on Sep 23, 2026 was $2.76. Our model-based fair value is $3.39, about +23% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cherry Hill Mortgage Investment Corp right now?
The price is below even our cautious bear case ($3.39). The market is more pessimistic than our downside scenario. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Key figures of Cherry Hill Mortgage Investment Corp
How large is the market capitalisation of Cherry Hill Mortgage Investment Corp (CHMI)?
The market capitalisation of Cherry Hill Mortgage Investment Corp is $100M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Cherry Hill Mortgage Investment Corp (CHMI)?
The price-to-sales ratio of Cherry Hill Mortgage Investment Corp is 1.18 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Cherry Hill Mortgage Investment Corp (CHMI)?
Earnings per share at Cherry Hill Mortgage Investment Corp are $0.1500 (price ÷ EPS = P/E 18.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Cherry Hill Mortgage Investment Corp (CHMI)?
The net margin of Cherry Hill Mortgage Investment Corp is 6.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Cherry Hill Mortgage Investment Corp (CHMI)?
The return on equity (ROE) of Cherry Hill Mortgage Investment Corp is 6.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Cherry Hill Mortgage Investment Corp (CHMI)?
On an EBIT basis the return on assets of Cherry Hill Mortgage Investment Corp is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Cherry Hill Mortgage Investment Corp (CHMI)?
The operating margin of Cherry Hill Mortgage Investment Corp is 19.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cherry Hill Mortgage Investment Corp (CHMI)?
Revenue at Cherry Hill Mortgage Investment Corp is growing −34.8% versus a year earlier (3y avg +37.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Cherry Hill Mortgage Investment Corp (CHMI)?
Earnings per share at Cherry Hill Mortgage Investment Corp are growing −49.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Cherry Hill Mortgage Investment Corp (CHMI) generate?
The free cash flow of Cherry Hill Mortgage Investment Corp is −$4.7M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Cherry Hill Mortgage Investment Corp (CHMI) carry?
The net debt of Cherry Hill Mortgage Investment Corp is $1.2B (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026