New York Mortgage Trust, Inc. (NYMT)
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. (NYMT) trades at $7.11 with AI Score 48/100 (Grade C). New York Mortgage Trust, Inc. is a real estate investment trust (REIT) focused on acquiring, investing in, financing, and managing mortgage-related assets. Market cap: $642.13M, Sector: Real estate.
Last analyzed: May 4, 2026Analyst Coverage for NYMT: NYMT 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 NYMT against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NYMT: the 1 perspectives are evenly split.
New York Mortgage Trust, Inc. (NYMT) Real Estate Portfolio & Strategy
New York Mortgage Trust, Inc. (NYMT) is a REIT specializing in mortgage-related assets, including residential and commercial mortgage-backed securities and multi-family property investments. With a focus on generating income through strategic asset management and financing, NYMT operates within the dynamic landscape of the U.S. real estate market.
What Is the Investment Thesis for NYMT?
New York Mortgage Trust presents a compelling investment case based on its diversified portfolio of mortgage-related assets and high dividend yield of 12.52%. The company's focus on both residential and commercial mortgage-backed securities, along with multi-family property investments, provides exposure to various segments of the real estate market. A key value driver is the company's ability to generate income through strategic asset management and financing activities. Upcoming catalysts include potential interest rate adjustments by the Federal Reserve, which could impact the value of its mortgage-backed securities portfolio. However, potential risks include fluctuations in interest rates, credit risk associated with mortgage-related assets, and the overall health of the U.S. real estate market.
Based on FMP financials and quantitative analysis
NYMT Key Highlights
- Market capitalization of $0.64 billion indicates a mid-sized player within the mortgage REIT sector.
- A P/E ratio of 4.41 suggests the company may be undervalued compared to its earnings.
- Profit margin of 80.6% demonstrates efficient operations and strong profitability in its asset management.
- Gross margin of 29.0% reflects the company's ability to generate revenue from its investments.
- Dividend yield of 12.52% offers a substantial income stream for investors, highlighting its commitment to returning capital.
Who Are NYMT's Competitors?
NYMT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ARR ARMOUR Residential REIT, Inc. | $17.12 | -0.06% | $2.12B | 65 |
| AGNC AGNC Investment Corp. | $10.33 | +0.24% | $11.85B | 50 |
| IVR Invesco Mortgage Capital Inc. | $7.99 | -0.19% | $572.07M | 60 |
| CHMI Cherry Hill Mortgage Investment Corporation | $2.38 | +0.21% | $87.26M | 72 |
| TRTX TPG RE Finance Trust, Inc. | $8.61 | +0.35% | 666M | 68 |
| MFA MFA Financial, Inc. | $9.42 | +1.40% | 962M | 68 |
| EFC Ellington Financial Inc. | $13.68 | +0.37% | 2B | 68 |
| NREF NexPoint Real Estate Finance, Inc. | $16.08 | +2.60% | $303.04M | 48 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NYMT's Key Strengths?
- High dividend yield of 12.52% attracts income-seeking investors.
- Diversified portfolio across residential and commercial mortgage assets.
- Experienced management team with expertise in mortgage-related investments.
- REIT structure provides tax advantages and consistent income distribution.
What Are NYMT's Weaknesses?
- Exposure to interest rate risk and credit risk in mortgage markets.
- Reliance on external financing to fund investments.
- Sensitivity to economic downturns and housing market fluctuations.
- Complex regulatory environment for REITs.
What Could Drive NYMT Stock Higher?
- Potential interest rate adjustments by the Federal Reserve impacting mortgage rates and asset values.
- Continued demand for multi-family housing supporting investments in structured multi-family property investments.
- Strategic acquisitions of distressed mortgage assets offering opportunities for enhanced returns.
- Implementation of technology solutions to improve asset management and risk assessment.
What Are the Key Risks for NYMT?
- Rising interest rates could negatively impact the value of mortgage-backed securities.
- Economic recession could lead to increased defaults and credit losses.
- Increased competition from other mortgage REITs.
- Changes in government regulations affecting the REIT industry.
- Fluctuations in the housing market impacting the value of residential mortgage assets.
What Are the Growth Opportunities for NYMT?
- Expansion into Business Purpose Loans (BPL): NYMT can capitalize on the growing demand for short-term financing in the real estate market by expanding its portfolio of Business Purpose Loans. The BPL market is estimated to be worth billions of dollars annually, offering significant growth potential. By focusing on this segment, NYMT can diversify its income streams and enhance its returns. Timeline: Ongoing.
- Increased Investment in Multi-Family Properties: The multi-family housing market continues to experience strong demand, driven by urbanization and demographic shifts. NYMT can increase its investments in structured multi-family property investments, such as preferred equity and mezzanine loans, to capitalize on this trend. This strategy offers the potential for higher yields and reduced risk compared to direct property ownership. Timeline: Ongoing.
- Strategic Acquisition of Distressed Mortgage Assets: Economic downturns and market volatility can create opportunities to acquire distressed mortgage assets at attractive prices. NYMT can leverage its expertise in asset management to identify and acquire undervalued mortgage-backed securities and residential loans, generating significant returns as the market recovers. Timeline: Ongoing.
- Diversification into Commercial Mortgage-Backed Securities (CMBS): While NYMT already invests in CMBS, there is an opportunity to further diversify its portfolio by increasing its allocation to this asset class. The CMBS market offers a wide range of investment opportunities across different property types and risk profiles. By strategically selecting CMBS investments, NYMT can enhance its risk-adjusted returns. Timeline: Ongoing.
- Leveraging Technology for Enhanced Asset Management: Implementing advanced data analytics and technology solutions can improve NYMT's ability to assess risk, identify investment opportunities, and manage its portfolio more efficiently. By leveraging technology, NYMT can optimize its operations and enhance its competitive advantage in the mortgage REIT sector. Timeline: Upcoming.
What Opportunities Does NYMT Have?
- Expansion into new mortgage-related asset classes.
- Strategic acquisitions of distressed mortgage assets.
- Leveraging technology to improve asset management and risk assessment.
- Capitalizing on the growing demand for multi-family housing.
What Threats Does NYMT Face?
- Rising interest rates could negatively impact the value of mortgage-backed securities.
- Economic recession could lead to increased defaults and credit losses.
- Increased competition from other mortgage REITs.
- Changes in government regulations affecting the REIT industry.
What Are NYMT's Competitive Advantages?
- Expertise in mortgage-related asset management.
- Established relationships with mortgage originators and servicers.
- Diversified investment portfolio across various asset classes.
- REIT structure providing tax advantages and consistent dividend income.
What Does NYMT Do?
New York Mortgage Trust, Inc., incorporated in 2003 and headquartered in New York City, operates as a real estate investment trust (REIT) that strategically acquires, invests in, finances, and manages mortgage-related assets across the United States. The company's investment portfolio encompasses a diverse range of assets, including residential loans, second mortgages, business purpose loans, structured multi-family property investments (preferred equity, mezzanine loans, joint venture equity), non-agency residential mortgage-backed securities (RMBS), agency RMBS, commercial mortgage-backed securities (CMBS), and other mortgage, residential housing, and credit-related assets. NYMT aims to generate income for its stockholders by capitalizing on opportunities within the residential and commercial mortgage markets. As a REIT, New York Mortgage Trust is structured to distribute at least 90% of its taxable income to its stockholders, allowing it to avoid federal corporate income taxes. This structure aligns the company's interests with those of its investors, emphasizing income generation and distribution.
What Products and Services Does NYMT Offer?
- Acquires mortgage-related assets in the United States.
- Invests in residential loans, second mortgages, and business purpose loans.
- Finances multi-family properties through preferred equity and mezzanine loans.
- Manages non-agency and agency residential mortgage-backed securities (RMBS).
- Invests in commercial mortgage-backed securities (CMBS).
- Manages other mortgage, residential housing, and credit-related assets.
How Does NYMT Make Money?
- Generates income through strategic investments in mortgage-related assets.
- Finances investments through a combination of equity and debt.
- Manages its portfolio to optimize risk-adjusted returns.
- Distributes at least 90% of its taxable income to stockholders to maintain REIT status.
What Industry Does NYMT Operate In?
New York Mortgage Trust operates within the REIT - Mortgage industry, a segment characterized by companies that invest in mortgage-backed securities and other mortgage-related assets. The industry is influenced by interest rate movements, housing market trends, and overall economic conditions. The competitive landscape includes other mortgage REITs with varying investment strategies and risk profiles. NYMT's focus on both residential and commercial assets differentiates it within the market. The REIT sector benefits from the requirement to distribute a significant portion of taxable income, providing consistent dividend income to investors.
Who Are NYMT's Key Customers?
- Investors seeking income through dividend distributions.
- Stockholders benefiting from the company's REIT structure.
- Entities involved in the mortgage and real estate markets.
- Borrowers seeking financing for residential and commercial properties.
NYMT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
NYMT Latest News
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Earnings Scheduled For July 30, 2025
benzinga · Jul 30, 2025
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Earnings Scheduled For April 30, 2025
benzinga · Apr 30, 2025
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Earnings Scheduled For February 19, 2025
benzinga · Feb 19, 2025
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Stocks That Hit 52-Week Lows On Thursday
benzinga · Sep 28, 2023
NYMT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NYMT.
Price Targets
Wall Street price target analysis for NYMT.
NYMT MoonshotScore
What does this score mean?
The MoonshotScore rates NYMT's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Jason T. Serrano
CEO
Jason T. Serrano serves as the CEO of New York Mortgage Trust, Inc. His background includes extensive experience in the financial services industry, with a focus on mortgage-related investments and asset management. He has held various leadership positions in investment firms, demonstrating expertise in portfolio management, risk assessment, and strategic decision-making. Serrano's experience positions him to lead NYMT in navigating the complexities of the mortgage REIT sector.
Track Record: Under Jason T. Serrano's leadership, New York Mortgage Trust has focused on diversifying its investment portfolio and enhancing its risk management practices. Key achievements include maintaining a high dividend yield for investors and navigating challenging market conditions. Strategic decisions have involved optimizing the allocation of capital across different asset classes and implementing technology solutions to improve operational efficiency.
Common Questions About NYMT (Real Estate)
What does New York Mortgage Trust, Inc. do?
New York Mortgage Trust, Inc. (NYMT) operates as a real estate investment trust (REIT) focused on acquiring, investing in, financing, and managing mortgage-related assets in the United States. The company's portfolio includes residential loans, mortgage-backed securities, multi-family property investments, and commercial mortgage-backed securities. NYMT aims to generate income for its stockholders by strategically managing its asset portfolio and distributing at least 90% of its taxable income as dividends, adhering to REIT requirements.
What do analysts say about NYMT stock?
Analyst consensus on New York Mortgage Trust (NYMT) stock is mixed, with ratings varying from hold to buy. Key valuation metrics, such as the P/E ratio and dividend yield, are closely monitored. Growth considerations include the company's ability to manage interest rate risk, diversify its asset portfolio, and capitalize on opportunities in the mortgage market. Analyst reports provide insights into the company's financial performance and strategic initiatives, but do not constitute investment advice.
What are the main risks for NYMT?
The main risks for New York Mortgage Trust (NYMT) include interest rate risk, credit risk, and market risk. Rising interest rates could negatively impact the value of mortgage-backed securities and increase borrowing costs. Credit risk arises from the potential for borrowers to default on their mortgage payments, leading to losses for the company. Market risk encompasses broader economic factors, such as recessions and housing market downturns, that could adversely affect NYMT's financial performance.
How does New York Mortgage Trust, Inc. compare to competitors in its industry?
New York Mortgage Trust, Inc. competes with other mortgage REITs such as ARMOUR Residential REIT, Inc. (ARR) and AGNC Investment Corp. (AGNC). While some competitors focus primarily on agency RMBS, NYMT diversifies its investments across residential and commercial mortgage-backed securities, as well as multi-family property investments. This diversified approach differentiates NYMT within the competitive landscape, offering exposure to various segments of the real estate market and potentially mitigating risk.
What are the key financial metrics investors watch for NYMT?
Key financial metrics that investors watch for New York Mortgage Trust (NYMT) include its dividend yield, book value per share, and core earnings. The dividend yield reflects the company's commitment to returning capital to stockholders. Book value per share provides insights into the company's net asset value. Core earnings, which exclude certain non-recurring items, offer a clearer picture of the company's underlying profitability and ability to sustain its dividend payments. These metrics are crucial for evaluating NYMT's financial health and investment potential.
What are the key factors to evaluate for NYMT?
New York Mortgage Trust, Inc. (NYMT) holds an AI score of 48/100 (low). P/E: 4.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NYMT data refresh on this page?
NYMT 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 NYMT's recent stock price performance?
New York Mortgage Trust, Inc. (NYMT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: High dividend yield of 12.52% attracts income-seeking investors. See the News tab for the latest drivers. Past performance does not predict future results.
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
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- Information is based on available data and may be subject to change.
- Investment decisions should be based on individual risk tolerance and financial circumstances.