What is Cherry Hill Mtg Invt Corp's earnings per share (EPS)?

Cherry Hill Mtg Invt Corp (CHMI) reported diluted earnings per share of -$0.09 for fiscal year 2025. This represents a -228.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Cherry Hill Mtg Invt Corp Financials

CHMI

Trailing 12 months to June 30, 2026

Revenue $32.9M YoY not available

Net Income $16.6M +373.8% YoY

EPS (Diluted) $0.20 +139.2% YoY

Free Cash Flow Not reported for the trailing 12 months

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Cherry Hill Mtg Invt Corp (CHMI) reported $32.9M in revenue over the twelve months to Jun 30, 2026. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CHMI FY2025 2026-05-07

Balance-sheet leverage and externally supported payouts dominate a business whose earnings are small relative to a $1.54B asset base.

FY2025 operating cash flow turned positive at $19.1M after -$4.7M in FY2024, even though reported profit was lower. That mix points to better earnings quality, but the $28.7M dividend still ran ahead of internally generated cash, leaving financing inflows to help complete the payout.

With $1.54B of assets supported by only $236.0M of equity, the company is structurally leveraged. FY2025 return on assets was just 0.5% and return on equity 2.9%, which is the profile of a business earning thin spreads on a large balance sheet rather than wide margins on sales.

Cash of $54.9M sits against $1.30B of liabilities, so liquidity depends on financed assets more than on a large cash buffer. Interest expense of $49.8M exceeded reported revenue of $23.3M, a clue that the income statement is being driven by balance-sheet spread mechanics rather than conventional sales volume.

Financial Health Signals

Financial health score not available

Cherry Hill Mtg Invt Corp does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

4/8

Cherry Hill Mtg Invt Corp passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed

2.75x

For every $1 of reported earnings, Cherry Hill Mtg Invt Corp generates $2.75 in operating cash flow ($19.1M OCF vs $6.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$23.3M

YoY-32.5%

Cherry Hill Mtg Invt Corp generated $23.3M in revenue in fiscal year 2025. This represents a decrease of 32.5% from the prior year.

Net Income

$6.9M

YoY-43.1%

10Y CAGR-6.2%

Cherry Hill Mtg Invt Corp reported $6.9M in net income in fiscal year 2025. This represents a decrease of 43.1% from the prior year.

EPS (Diluted)

-$0.09

YoY-228.6%

Cherry Hill Mtg Invt Corp earned -$0.09 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 228.6% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Cash & Debt

$54.9M

YoY+18.6%

5Y CAGR-8.1%

10Y CAGR+17.9%

Cherry Hill Mtg Invt Corp held $54.9M in cash against $146.3M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.50

YoY-16.7%

Cherry Hill Mtg Invt Corp paid $0.50 per share in dividends in fiscal year 2025. This represents a decrease of 16.7% from the prior year.

Shares Outstanding

37M

YoY+16.2%

Cherry Hill Mtg Invt Corp had 37M shares outstanding in fiscal year 2025. This represents an increase of 16.2% from the prior year.

Free Cash Flow

Not reported for fiscal year 2025.

Margins & Returns

Gross Margin

60.2%

YoY-3.9pp

Cherry Hill Mtg Invt Corp's gross margin was 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 3.9 percentage points from the prior year.

Net Margin

29.8%

YoY-5.5pp

Cherry Hill Mtg Invt Corp's net profit margin was 29.8% in fiscal year 2025, showing the share of revenue converted to profit. This is down 5.5 percentage points from the prior year.

Return on Equity

2.9%

YoY-2.4pp

5Y CAGR+20.1pp

10Y CAGR-5.8pp

Cherry Hill Mtg Invt Corp's ROE was 2.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 2.4 percentage points from the prior year.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

None of these metrics is reported for fiscal year 2025.

CHMI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CHMI quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Revenue	$32.9M	$23.3M-32.5%	$34.6M	N/A	$40.2M+42.8%	$28.1M	N/A	N/A	$48.7M-14.8%	$57.1M+79.0%	$31.9M+3233.1%	$958K	$0	$0
Cost of Revenue	$9.4M	$9.3M-25.3%	$12.4M+10.4%	$11.2M-5.0%	$11.8M-13.1%	$13.6M-39.8%	$22.6M+30.1%	$17.4M+64.0%	$10.6M+83.6%	$5.8M+125.7%	$2.6M	N/A	N/A	N/A
Gross Profit	$23.5M	$14.0M-36.6%	$22.2M+168.3%	-$32.5M-214.4%	$28.4M+95.4%	$14.5M+118.3%	-$79.1M-22.3%	-$64.7M-269.9%	$38.1M-33.0%	$56.8M+77.8%	$31.9M	N/A	$7.8M-65.3%	$22.5M
SG&A Expenses	$7.5M	$7.7M-27.7%	$10.7M+65.6%	$6.4M+10.7%	$5.8M-16.8%	$7.0M-9.8%	$7.7M+39.7%	$5.5M+40.6%	$3.9M+3.2%	$3.8M+16.2%	$3.3M+6.6%	$3.1M+1.8%	$3.0M+322.9%	$716K
Interest Expense	$46.4M	$49.8M-10.7%	$55.8M+8.0%	$51.6M+194.0%	$17.6M+204.5%	$5.8M-73.9%	$22.1M-59.3%	$54.4M+57.8%	$34.5M+73.6%	$19.9M+154.6%	$7.8M+30.5%	$6.0M+38.9%	$4.3M+396.8%	$867K
Income Tax	$1.9M	$2.2M-46.4%	$4.1M+684.3%	$523K-89.7%	$5.1M+549.2%	$781K+104.2%	-$18.8M-89.1%	-$9.9M-319.2%	$4.5M+77.5%	$2.5M+456.8%	$458K+233.5%	-$343K-145.0%	-$140K	$0
Net Income	$16.6M	$6.9M-43.1%	$12.2M+134.4%	-$35.5M-259.8%	$22.2M+77.1%	$12.5M+123.5%	-$53.2M-5.0%	-$50.7M-247.9%	$34.3M-26.2%	$46.4M+87.0%	$24.8M+87.9%	$13.2M+461.6%	$2.4M-88.8%	$21.1M
EPS (Diluted)	$0.20	-$0.09-228.6%	$0.07	-$1.70	$0.60	$0.14	-$3.67-4.0%	-$3.53-281.0%	$1.95-49.2%	$3.84	$3.30+87.5%	$1.76+467.7%	$0.31	$12.50

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$7.9M+69.8%	$4.6M-60.5%	$11.8M+37.2%	$8.6M+42.0%	$6.0M	N/A	$18.7M	N/A
Cost of Revenue	$2.3M+1.3%	$2.3M-7.7%	$2.5M+8.0%	$2.3M+17.7%	$2.0M-23.3%	$2.5M-18.5%	$3.1M-2.6%	$3.2M
Gross Profit	$5.6M+136.5%	$2.4M-74.7%	$9.3M+47.9%	$6.3M+53.6%	$4.1M+173.0%	-$5.6M-135.9%	$15.6M+251.7%	-$10.3M
SG&A Expenses	$2.1M+25.7%	$1.7M+9.7%	$1.5M-28.3%	$2.2M+10.6%	$1.9M-5.4%	$2.1M-17.9%	$2.5M-22.5%	$3.2M
Interest Expense	$10.0M-12.2%	$11.4M-9.8%	$12.6M+2.3%	$12.3M+1.4%	$12.2M-3.7%	$12.6M-12.2%	$14.4M+1.2%	$14.2M
Income Tax	$67K-92.9%	$939K+51.7%	$619K+118.0%	$284K-74.7%	$1.1M+548.0%	$173K-92.9%	$2.5M+759.6%	$285K
Net Income	$3.8M+784.4%	$429K-94.5%	$7.9M+74.0%	$4.5M+189.2%	$1.6M+122.3%	-$7.0M-159.2%	$11.8M+194.9%	-$12.4M
EPS (Diluted)	$0.04+180.0%	-$0.05-131.3%	$0.16	$0.05+266.7%	-$0.03+89.7%	-$0.29	$0.30	-$0.49

Not reported in any period shown, so not listed: R&D Expenses, Operating Income.

CHMI Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CHMI quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Total Assets	$1.5B+3.3%	$1.5B+7.0%	$1.4B-1.1%	$1.4B+8.1%	$1.3B-18.2%	$1.6B-45.9%	$2.9B+36.7%	$2.2B+5.0%	$2.1B+158.6%	$792.9M+24.6%	$636.3M+19.6%	$531.9M+24.5%	$427.4M
Cash & Equivalents	$54.9M+18.6%	$46.3M-12.4%	$52.9M-7.7%	$57.3M-10.3%	$63.9M-23.8%	$83.9M+240.0%	$24.7M-22.5%	$31.8M+16.5%	$27.3M+72.7%	$15.8M+49.2%	$10.6M-14.8%	$12.4M+20.0%	$10.4M
Total Liabilities	$1.3B+3.5%	$1.3B+10.8%	$1.1B-0.8%	$1.1B+11.6%	$1.0B-20.1%	$1.3B-49.7%	$2.5B+41.8%	$1.8B+3.7%	$1.7B+171.7%	$636.9M+31.6%	$484.0M+30.2%	$371.6M+39.6%	$266.3M
Long-Term Debt	$146.3M-3.8%	$152.1M-10.8%	$170.5M-7.6%	$184.5M+26.4%	$146.0M+30.9%	$111.5M-33.4%	$167.5M+5.7%	$158.5M+301.3%	$39.5M+72.6%	$22.9M	N/A	N/A	N/A
Total Equity	$236.0M+2.5%	$230.3M-9.8%	$255.5M-2.5%	$262.0M-5.0%	$275.9M-11.1%	$310.2M-21.8%	$396.6M+11.5%	$355.7M+11.1%	$320.0M+107.5%	$154.2M+1.9%	$151.3M-5.3%	$159.8M-0.6%	$160.8M
Retained Earnings	-$270.4M-8.3%	-$249.6M-7.1%	-$233.2M-38.0%	-$169.0M-6.6%	-$158.5M-11.6%	-$142.0M-138.8%	-$59.5M-300.6%	$29.6M-15.9%	$35.2M+191.4%	$12.1M+286.0%	$3.1M-34.7%	$4.8M-72.9%	$17.7M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.4B-8.0%	$1.5B-1.4%	$1.5B+1.3%	$1.5B+2.1%	$1.5B+2.8%	$1.4B-2.8%	$1.5B-3.9%	$1.6B
Cash & Equivalents	$52.1M+11.5%	$46.7M-15.0%	$54.9M-0.9%	$55.4M-4.5%	$58.0M+22.7%	$47.3M+2.1%	$46.3M-7.7%	$50.2M
Total Liabilities	$1.2B-9.2%	$1.3B-1.1%	$1.3B+1.2%	$1.3B+2.2%	$1.3B+3.1%	$1.2B-3.0%	$1.3B-4.1%	$1.3B
Long-Term Debt	$141.5M-1.9%	$144.3M-1.4%	$146.3M-1.2%	$148.0M-1.4%	$150.1M0.0%	$150.1M-1.3%	$152.1M+0.2%	$151.8M
Total Equity	$226.4M-0.7%	$228.1M-3.3%	$236.0M+1.2%	$233.1M+1.4%	$229.9M+1.5%	$226.6M-1.6%	$230.3M-2.7%	$236.7M
Retained Earnings	-$278.4M-0.9%	-$276.0M-2.1%	-$270.4M+0.6%	-$272.0M-0.6%	-$270.2M-2.4%	-$263.9M-5.7%	-$249.6M+1.7%	-$253.9M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities.

CHMI Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

CHMI quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Operating Cash Flow	$23.2M	$19.1M+507.1%	-$4.7M-111.5%	$40.7M-32.1%	$59.9M+24.8%	$48.0M-23.0%	$62.4M-13.2%	$71.9M+16.0%	$62.0M+41.4%	$43.8M+27.1%	$34.5M+47.4%	$23.4M-11.8%	$26.5M+536.0%	-$6.1M
Investing Cash Flow	$75.9M	-$66.7M+52.8%	-$141.3M-35.8%	-$104.1M+18.8%	-$128.2M-177.0%	$166.5M-86.8%	$1.3B+266.6%	-$756.4M-361.7%	-$163.8M+86.6%	-$1.2B-737.1%	-$146.1M-29.1%	-$113.1M	N/A	-$387.4M
Financing Cash Flow	-$89.6M	$39.3M-73.4%	$147.5M+119.5%	$67.2M+17.7%	$57.1M+121.3%	-$268.0M+79.1%	-$1.3B-274.4%	$736.2M+762.1%	$85.4M-92.9%	$1.2B+825.4%	$129.4M+47.1%	$87.9M	N/A	$403.9M
Dividends Paid	$26.3M	$28.7M+1.7%	$28.2M-9.7%	$31.2M+1.3%	$30.8M+8.3%	$28.5M-12.0%	$32.3M-23.6%	$42.3M+11.7%	$37.9M+56.4%	$24.2M+52.6%	$15.9M+5.6%	$15.0M+1.6%	$14.8M	$0
Share Buybacks	N/A	N/A	N/A	N/A	$0	$0-100.0%	$1.7M-50.7%	$3.5M	$0	$0	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$4.6M-63.2%	$12.6M+51.0%	$8.4M+449.5%	-$2.4M-119.2%	$12.5M+1725.7%	$682K-88.5%	$5.9M+35.8%	$4.4M
Investing Cash Flow	$114.4M+301.0%	$28.5M+167.5%	-$42.3M-70.2%	-$24.8M-30.5%	-$19.0M-197.7%	$19.5M-26.3%	$26.4M+127.2%	-$96.9M
Financing Cash Flow	-$121.7M-417.3%	-$23.5M-174.1%	$31.7M+32.9%	$23.9M-5.5%	$25.3M+160.7%	-$41.6M-156.5%	-$16.2M-118.3%	$88.7M
Dividends Paid	$6.1M+0.5%	$6.1M-1.0%	$6.2M-21.6%	$7.9M+6.4%	$7.4M+1.9%	$7.2M-1.2%	$7.3M+3.9%	$7.1M

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Share Buybacks.

CHMI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

CHMI quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Gross Margin	60.2%-3.9pp	64.1%	N/A	70.5%+19.0pp	51.6%	N/A	N/A	78.2%-21.2pp	99.4%-0.6pp	100.0%	N/A	N/A	N/A
Net Margin	29.8%-5.5pp	35.3%	N/A	55.2%+10.7pp	44.5%	N/A	N/A	70.4%-10.9pp	81.3%+3.5pp	77.8%	1379.3%	N/A	N/A
Return on Equity	2.9%-2.4pp	5.3%+19.2pp	-13.9%-22.4pp	8.5%+3.9pp	4.5%+21.7pp	-17.2%-4.4pp	-12.8%-22.4pp	9.6%-4.9pp	14.5%-1.6pp	16.1%+7.4pp	8.7%+7.3pp	1.5%-11.7pp	13.1%
Return on Assets	0.4%-0.4pp	0.8%+3.4pp	-2.5%-4.1pp	1.6%+0.6pp	1.0%+4.3pp	-3.3%-1.6pp	-1.7%-3.3pp	1.6%-0.7pp	2.3%-0.9pp	3.1%+1.1pp	2.1%+1.6pp	0.4%-4.5pp	4.9%
Debt-to-Equity	0.620.0x	0.660.0x	0.670.0x	0.70+0.2x	0.53+0.2x	0.36-0.1x	0.420.0x	0.45+0.3x	0.120.0x	0.15-3.0x	3.20+0.9x	2.33+0.7x	1.66

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Gross Margin	70.6%+19.9pp	50.7%-28.2pp	78.9%+5.7pp	73.2%+5.5pp	67.7%	N/A	83.3%	N/A
Net Margin	48.2%+38.9pp	9.3%-57.6pp	66.8%+14.1pp	52.7%+26.8pp	25.9%	N/A	63.1%	N/A
Return on Equity	1.7%+1.5pp	0.2%-3.1pp	3.3%+1.4pp	1.9%+1.3pp	0.7%+3.8pp	-3.1%-8.2pp	5.1%+10.4pp	-5.3%
Return on Assets	0.3%+0.2pp	0.0%-0.5pp	0.5%+0.2pp	0.3%+0.2pp	0.1%+0.6pp	-0.5%-1.3pp	0.8%+1.6pp	-0.8%
Debt-to-Equity	0.620.0x	0.630.0x	0.620.0x	0.630.0x	0.650.0x	0.660.0x	0.660.0x	0.64

Not reported in any period shown, so not listed: Operating Margin, Current Ratio, FCF Margin.

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Where Cherry Hill Mtg Invt Corp Ranks

Frequently Asked Questions

What is Cherry Hill Mtg Invt Corp's annual revenue?

Cherry Hill Mtg Invt Corp (CHMI) reported $23.3M in total revenue for fiscal year 2025. This represents a -32.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Cherry Hill Mtg Invt Corp's revenue growing?

Cherry Hill Mtg Invt Corp (CHMI) revenue declined by 32.5% year-over-year, from $34.6M to $23.3M in fiscal year 2025.

Is Cherry Hill Mtg Invt Corp profitable?

Yes, Cherry Hill Mtg Invt Corp (CHMI) reported a net income of $6.9M in fiscal year 2025, with a net profit margin of 29.8%.

How much debt does Cherry Hill Mtg Invt Corp have?

As of fiscal year 2025, Cherry Hill Mtg Invt Corp (CHMI) had $54.9M in cash and equivalents against $146.3M in long-term debt.

What is Cherry Hill Mtg Invt Corp's gross margin?

Cherry Hill Mtg Invt Corp (CHMI) had a gross margin of 60.2% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Cherry Hill Mtg Invt Corp's net profit margin?

Cherry Hill Mtg Invt Corp (CHMI) had a net profit margin of 29.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Cherry Hill Mtg Invt Corp pay dividends?

Yes, Cherry Hill Mtg Invt Corp (CHMI) paid $0.50 per share in dividends during fiscal year 2025.

What is Cherry Hill Mtg Invt Corp's return on equity (ROE)?

Cherry Hill Mtg Invt Corp (CHMI) has a return on equity of 2.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Cherry Hill Mtg Invt Corp's operating cash flow?

Cherry Hill Mtg Invt Corp (CHMI) generated $19.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Cherry Hill Mtg Invt Corp's total assets?

Cherry Hill Mtg Invt Corp (CHMI) had $1.5B in total assets as of fiscal year 2025, including both current and long-term assets.

How many shares does Cherry Hill Mtg Invt Corp have outstanding?

Cherry Hill Mtg Invt Corp (CHMI) had 37M shares outstanding as of fiscal year 2025.

What is Cherry Hill Mtg Invt Corp's debt-to-equity ratio?

Cherry Hill Mtg Invt Corp (CHMI) had a debt-to-equity ratio of 0.62 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Cherry Hill Mtg Invt Corp's return on assets (ROA)?

Cherry Hill Mtg Invt Corp (CHMI) had a return on assets of 0.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Cherry Hill Mtg Invt Corp's Piotroski F-Score?

Cherry Hill Mtg Invt Corp (CHMI) has a Piotroski F-Score of 4 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Cherry Hill Mtg Invt Corp's earnings high quality?

Cherry Hill Mtg Invt Corp (CHMI) has an earnings quality ratio of 2.75x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.