Cherry Hill Mtg Invt Corp Financials
This page shows Cherry Hill Mtg Invt Corp (CHMI) financial statements, including the 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).
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.
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Cash of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Cherry Hill Mtg Invt Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Cherry Hill Mtg Invt Corp carries a low D/E ratio of 0.62, meaning only $0.62 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 89/100, indicating a strong balance sheet with room for future borrowing.
Cherry Hill Mtg Invt Corp generates a 2.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 12/100. This is down from 5.3% the prior year.
Cherry Hill Mtg Invt Corp passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
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
Earnings & Revenue
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.
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.
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.
Cash & Balance Sheet
Cherry Hill Mtg Invt Corp held $54.9M in cash against $146.3M in long-term debt as of fiscal year 2025.
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.
Cherry Hill Mtg Invt Corp had 37M shares outstanding in fiscal year 2025. This represents an increase of 16.2% from the prior year.
Margins & Returns
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.
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.
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.
Capital Allocation
CHMI Income Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $4.6M-60.5% | $11.8M+37.2% | $8.6M+42.0% | $6.0M | N/A | $18.7M | N/A | $6.6M |
| Cost of Revenue | $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-7.2% | $3.5M |
| Gross Profit | $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-429.2% | $3.1M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $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+1.1% | $3.2M |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $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+5.2% | $13.5M |
| Income Tax | $939K+51.7% | $619K+118.0% | $284K-74.7% | $1.1M+548.0% | $173K-92.9% | $2.5M+759.6% | $285K-57.1% | $664K |
| Net Income | $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-1687.2% | $784K |
| EPS (Diluted) | $-0.05 | N/A | $0.05+266.7% | $-0.03+89.7% | $-0.29 | N/A | $-0.49-716.7% | $-0.06 |
CHMI Balance Sheet
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $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+9.5% | $1.4B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $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-4.3% | $52.4M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $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+11.3% | $1.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $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-5.4% | $160.5M |
| Total Equity | $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+0.9% | $234.5M |
| Retained Earnings | -$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-8.3% | -$234.4M |
CHMI Cash Flow Statement
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $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+7.5% | $4.1M |
| Capital Expenditures | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Free Cash Flow | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Investing Cash Flow | $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-536.5% | -$15.2M |
| Financing Cash Flow | -$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+423.3% | $17.0M |
| Dividends Paid | $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+3.6% | $6.8M |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
CHMI Financial Ratios
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 50.7%-28.2pp | 78.9%+5.7pp | 73.2%+5.5pp | 67.7% | N/A | 83.3% | N/A | 47.5% |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 9.3%-57.6pp | 66.8%+14.1pp | 52.7%+26.8pp | 25.9% | N/A | 63.1% | N/A | 11.9% |
| Return on Equity | 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%-5.6pp | 0.3% |
| Return on Assets | 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%-0.9pp | 0.1% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.63+0.0 | 0.62-0.0 | 0.63-0.0 | 0.650.0 | 0.660.0 | 0.66+0.0 | 0.64-0.0 | 0.68 |
| FCF Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
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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.
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 9, indicating neutral financial health. 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.
How financially healthy is Cherry Hill Mtg Invt Corp?
Cherry Hill Mtg Invt Corp (CHMI) scores 17 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.