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MFA Financial, Inc (MFA) Fair Value & Analysis

Real Estate · US · Market cap $973M

Price$9.61
Fair Value$14.93
Upside+55.4%
Quality95/100
Evidence: High Range $14.93 – $26.92

Fair value as of: Jun 25, 2026

Analysis

MFA Financial, Inc (MFA) currently trades at $9.61, while our model-based Fair Value estimate is $14.93 — implying the stock looks roughly 55.4% undervalued today. We read business quality at 95/100 (high quality), in the Real Estate sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

MFA Financial, Inc., together with its subsidiaries, operates as a real estate investment trust in the United States. It operates through two segments: Mortgage-Related Assets and Lima One. The Mortgage-Related Assets segment primarily invests in and manages a diversified portfolio of residential whole loans, including nonqualified mortgage loans, business purpose loans such as single-family rental loans, single-family and multifamily transitional loans, legacy re-performing and non-performing loans, and agency-eligible investor loans. This segment also invests in residential mortgage-backed securities, including agency MBS, non-agency MBS, and credit risk transfer securities. The Lima One segment includes a stand-alone mortgage origination and servicing business; and originates and services business purpose loans for real estate investors, and related mortgage banking activities. The company offers residential whole loans, including purchased credit deteriorated and non-performing …

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Frequently asked questions

Is MFA Financial, Inc (MFA) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $14.93 versus a price of $9.61 — about +55% (undervalued). Model-based estimate, not financial advice.
What is the fair value of MFA?
Our 21-model fair value for MFA Financial, Inc is $14.93 (as of Jun 25, 2026), built from audited fundamentals. The current price is $9.61.
What is the quality score of MFA?
MFA Financial, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.