New York Mortgage Trust, Inc. (NYMTG)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
New York Mortgage Trust, Inc. (NYMTG) trades at $24.99 with AI Score 48/100 (Grade C). New York Mortgage Trust, Inc. (NYMTG) is a real estate investment trust (REIT) specializing in mortgage-related assets, including residential and commercial loans. Market cap: $2.26B, Sector: Real estate.
Price live · AI analysis from Jun 14, 2026Analyst Coverage for NYMTG: NYMTG does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates NYMTG against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NYMTG: the 1 perspectives are evenly split.
How is this calculated? →New York Mortgage Trust, Inc. (NYMTG) Real Estate Portfolio & Strategy
New York Mortgage Trust, Inc. is a prominent REIT focusing on mortgage-related investments, with a diverse portfolio that includes residential loans and mortgage-backed securities, positioning it strategically in the evolving U.S. real estate market.
What Is the Investment Thesis for NYMTG?
New York Mortgage Trust, Inc. presents a compelling investment thesis driven by its diversified portfolio of mortgage-related assets and its strategic focus on both residential and commercial properties. With a market capitalization of $2.26B and a P/E ratio of 5.3, the company is positioned to capitalize on favorable interest rate environments that may enhance net interest margins. The current dividend yield of 9.56% reflects the company's commitment to returning value to shareholders while maintaining a profit margin of 17.6%. Key growth catalysts include the expansion of its investment in multi-family properties and the potential for increased demand in the rental market. However, investors should be cognizant of risks associated with interest rate fluctuations and leverage, which could impact profitability. Overall, New York Mortgage Trust's strategic initiatives and robust portfolio position it well for sustained growth in the evolving real estate landscape.
Based on FMP financials and quantitative analysis
NYMTG Key Highlights
- Market capitalization of $2.26B indicates strong market presence in the mortgage REIT sector.
- P/E ratio of 5.3 suggests potential undervaluation compared to industry peers.
- Profit margin of 17.6% reflects effective cost management and operational efficiency.
- Dividend yield of 9.56% demonstrates commitment to shareholder returns.
- Gross margin of 45.8% exceeds industry averages, highlighting competitive pricing strategies.
Who Are NYMTG's Competitors?
NYMTG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AGNC AGNC Investment Corp. | $11.20 | +1.77% | $12.85B | 51 |
| NLY Annaly Capital Management, Inc. | $22.97 | +1.82% | $16.83B | 39 |
| BXMT Blackstone Mortgage Trust, Inc. | $17.39 | +0.78% | $2.93B | 53 |
| CIM Chimera Investment Corporation | $13.12 | +0.04% | $1.10B | 30 |
| STWD Starwood Property Trust, Inc. | $16.71 | +1.40% | $6.20B | 52 |
| LNSPF LondonMetric Property Plc | $2.45 | +0.00% | $5.72B | 63 |
| EPRT Essential Properties Realty Trust, Inc. | $31.25 | +0.24% | $6.76B | 61 |
| TKURF Tokyu REIT, Inc. | $1314.00 | +0.00% | $1.26B | 59 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NYMTG's Key Strengths?
- Diverse portfolio of mortgage-related assets reduces risk exposure.
- Strong dividend yield attracts income-focused investors.
- Experienced management team with deep industry knowledge.
- Tax-efficient structure as a REIT enhances shareholder returns.
What Are NYMTG's Weaknesses?
- High leverage increases vulnerability to interest rate fluctuations.
- Dependence on external financing may limit growth potential.
- Limited geographic diversification primarily focused on the U.S. market.
- Potential liquidity risks associated with mortgage-backed securities.
What Are the Key Risks for NYMTG?
- Financial-distress signal — its Altman Z-Score of 0.79 sits in the distress zone (elevated bankruptcy risk).
What Are the Growth Opportunities for NYMTG?
- Growth opportunity 1: The increasing demand for rental properties in urban areas presents a significant growth opportunity for New York Mortgage Trust. With the U.S. rental market projected to grow at a CAGR of 4.5% over the next five years, the company is well-positioned to capitalize on this trend by expanding its investments in multi-family properties and rental homes. This strategic focus on the rental market aligns with demographic shifts favoring renting over homeownership, providing NYMTG with a competitive advantage in a growing sector.
- Growth opportunity 2: The ongoing recovery of the U.S. housing market is expected to drive demand for mortgage-backed securities (MBS). As home prices stabilize and interest rates fluctuate, New York Mortgage Trust can enhance its portfolio by acquiring both agency and non-agency RMBS. The MBS market is projected to reach $10 trillion by 2028, offering NYMTG a substantial opportunity to increase its market share and profitability through strategic acquisitions and management of these securities.
- Growth opportunity 3: The expansion of preferred equity and mezzanine financing in the commercial real estate sector presents a lucrative avenue for New York Mortgage Trust. With the commercial real estate market anticipated to grow at a CAGR of 5% over the next decade, NYMTG can leverage its expertise in structured investments to provide financing solutions to property owners. This strategic initiative not only diversifies its investment portfolio but also enhances its revenue streams through interest income and equity participation.
- Growth opportunity 4: Technological advancements in the mortgage industry, such as digital lending platforms and data analytics, offer New York Mortgage Trust the chance to improve operational efficiency and customer engagement. By investing in technology-driven solutions, NYMTG can streamline its investment processes, enhance risk assessment capabilities, and improve overall portfolio management. This focus on technology can lead to cost savings and improved returns on investment, positioning the company favorably in a competitive landscape.
- Growth opportunity 5: The potential for regulatory changes in the mortgage and housing sectors may create new opportunities for New York Mortgage Trust. As policymakers consider reforms to enhance housing affordability and access to credit, NYMTG can adapt its investment strategies to align with these changes. By staying ahead of regulatory trends, the company can position itself to capitalize on emerging opportunities and mitigate potential risks associated with compliance.
What Opportunities Does NYMTG Have?
- Growing demand for rental properties in urban areas.
- Expansion of the mortgage-backed securities market.
- Increasing interest in preferred equity and mezzanine financing.
- Technological advancements improving operational efficiency.
What Threats Does NYMTG Face?
- Rising interest rates could compress net interest margins.
- Economic downturns may lead to increased default rates on loans.
- Regulatory changes affecting the mortgage and housing sectors.
- Intense competition from other mortgage REITs and investment firms.
What Are NYMTG's Competitive Advantages?
- Established reputation in the mortgage REIT sector enhances credibility.
- Diverse portfolio mitigates risks associated with market fluctuations.
- Tax advantages as a REIT allow for competitive dividend yields.
- Expertise in structured investments provides a competitive edge in financing.
- Strong relationships with institutional investors and property owners enhance deal flow.
What Does NYMTG Do?
Founded in 2003, New York Mortgage Trust, Inc. is headquartered in New York City and operates as a real estate investment trust (REIT). The company specializes in the acquisition, investment, financing, and management of residential assets linked to mortgages, which include both single-family and multi-family properties. Its investment strategy encompasses a wide array of vehicles such as agency and non-agency residential mortgage-backed securities (RMBS), structured multi-family property investments, and direct ownership of single-family rental homes. Additionally, the firm provides preferred equity stakes and mezzanine financing to property owners, enhancing its portfolio's diversification. As a REIT, New York Mortgage Trust benefits from federal tax advantages by distributing at least 90% of its taxable earnings to shareholders, allowing it to avoid federal corporate income taxes. The company has established a strong market presence, leveraging its expertise in mortgage-related assets to navigate the complexities of the U.S. housing market. With a workforce of approximately 70 employees, New York Mortgage Trust continues to adapt its investment strategies in response to market trends and economic conditions, positioning itself as a key player in the mortgage REIT sector.
What Products and Services Does NYMTG Offer?
- Acquires, finances, and manages residential mortgage assets.
- Invests in both agency and non-agency residential mortgage-backed securities (RMBS).
- Provides preferred equity stakes and mezzanine financing to property owners.
- Engages in direct ownership and management of single-family rental homes.
- Invests in commercial mortgage-backed securities (CMBS).
- Offers a variety of investment vehicles linked to mortgages and residential housing.
How Does NYMTG Make Money?
- Generates revenue through interest income from mortgage-related investments.
- Earns management fees from overseeing residential and commercial assets.
- Realizes gains from the sale of mortgage-backed securities.
- Collects rental income from owned single-family homes.
- Provides financing solutions to property owners, earning fees and interest.
What Industry Does NYMTG Operate In?
The real estate investment trust (REIT) sector has been experiencing significant growth, driven by increasing demand for mortgage-backed securities and residential rental properties. The U.S. housing market continues to evolve, with rising interest rates impacting borrowing costs and influencing investment strategies. New York Mortgage Trust, Inc. operates within this dynamic environment, focusing on mortgage-related assets that cater to both residential and commercial sectors. The competitive landscape includes various players, but NYMTG's diversified portfolio and strategic focus on multi-family investments position it favorably against its competitors. As the market adapts to changing economic conditions, NYMTG's ability to navigate these trends will be crucial for its sustained growth.
Who Are NYMTG's Key Customers?
- Residential property owners seeking financing solutions.
- Investors in mortgage-backed securities looking for diversified portfolios.
- Tenants in single-family rental homes managed by NYMTG.
- Commercial property owners requiring preferred equity or mezzanine financing.
- Institutional investors interested in real estate investment trusts (REITs).
How New York Mortgage Trust, Inc. Is Valued
New York Mortgage Trust, Inc. carries a market capitalization of $2.26B, placing it in the mid-cap category. Relative to its peer group, NYMTG's quantitative score of 48/100 is roughly in line with the peer average of 45/100.
Company Profile
New York Mortgage Trust, Inc. operates in the REIT - Diversified industry within the Real Estate sector. It is headquartered in New York City, US. The company is led by CEO Jason T. Serrano. NYMTG has traded publicly since 2003.
ROE 11%Key Financial Metrics
Return on equity for New York Mortgage Trust, Inc. stands at 11.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. NYMTG trades at a trailing price-to-earnings ratio of 5.26, below the Real Estate sector average of ~20x. Its free cash flow yield is 11.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.03 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 19.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 5/9Financial Health
New York Mortgage Trust, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.79 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project New York Mortgage Trust, Inc. revenue of about $199.2M for fiscal 2026, with EPS near $0.87. The estimate reflects 4 contributing analysts.
NYMTG Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Diverse portfolio of mortgage-related assets reduces risk exposure.
- Strong dividend yield attracts income-focused investors.
- Experienced management team with deep industry knowledge.
- Tax-efficient structure as a REIT enhances shareholder returns.
Bear Case
- High leverage increases vulnerability to interest rate fluctuations.
- Dependence on external financing may limit growth potential.
- Limited geographic diversification primarily focused on the U.S. market.
- Potential liquidity risks associated with mortgage-backed securities.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
NYMTG Latest News
No recent news available for NYMTG.
NYMTG Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NYMTG.
Price Targets
Wall Street price target analysis for NYMTG.
NYMTG MoonshotScore
What does this score mean?
The MoonshotScore rates NYMTG's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
What Investors Ask About New York Mortgage Trust, Inc. (NYMTG) — Real Estate
What are the key factors to evaluate for NYMTG?
New York Mortgage Trust, Inc. (NYMTG) holds an AI score of 48/100 (low). P/E: 5.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NYMTG data refresh on this page?
NYMTG prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven NYMTG's recent stock price performance?
New York Mortgage Trust, Inc. (NYMTG) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diverse portfolio of mortgage-related assets reduces risk exposure. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NYMTG overvalued or undervalued right now?
New York Mortgage Trust, Inc. (NYMTG) trades at 5.3x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying NYMTG?
Before investing in New York Mortgage Trust, Inc. (NYMTG), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding NYMTG to a portfolio?
Key strength of New York Mortgage Trust, Inc. (NYMTG): Diverse portfolio of mortgage-related assets reduces risk exposure. Weigh rewards against risks and diversify. Not financial advice.
Can I buy fractional shares of NYMTG?
Yes, most major brokerages offer fractional shares of New York Mortgage Trust, Inc. (NYMTG) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track NYMTG's earnings and financial reports?
New York Mortgage Trust, Inc. (NYMTG) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Setting up alerts through your brokerage for NYMTG earnings announcements is recommended.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.