New York Mortgage Trust, Inc. (NYMTO)
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. (NYMTO) trades at $25.06. New York Mortgage Trust, Inc. Market cap: $1.31B, Sector: Real estate.
Price live · AI analysis from Mar 17, 2026Analyst Coverage for NYMTO: NYMTO 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 NYMTO against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NYMTO: 1/1 perspectives are bearish.
How is this calculated? →New York Mortgage Trust, Inc. (NYMTO) Real Estate Portfolio & Strategy
New York Mortgage Trust, Inc. (NYMTO) is a REIT specializing in mortgage-related and residential housing assets, including multi-family CMBS and residential mortgage loans. With a significant dividend yield and focus on structured investments, NYMTO navigates the complexities of the real estate market to generate income for its stockholders.
What Is the Investment Thesis for NYMTO?
New York Mortgage Trust, Inc. presents a compelling investment case based on its high dividend yield of 12.10% and a P/E ratio of 4.4, suggesting potential undervaluation. The company's focus on structured multi-family property investments and residential mortgage loans positions it to capitalize on opportunities within the real estate market. Key value drivers include effective asset management, strategic capital allocation, and the ability to navigate interest rate fluctuations. Upcoming catalysts involve potential expansion into new mortgage-related asset classes and optimization of its existing portfolio. However, potential risks include changes in interest rates, credit risk associated with mortgage loans, and the overall health of the real estate market. Successful execution of its investment strategy and proactive risk management are crucial for sustained profitability.
Based on FMP financials and quantitative analysis
NYMTO Key Highlights
- Market capitalization of $1.31B, reflecting substantial investor interest in the company's asset portfolio.
- P/E ratio of 4.4, indicating a potentially undervalued stock relative to its earnings.
- Profit margin of 45.4%, demonstrating efficient management and profitability in its investment activities.
- Gross margin of 64.2%, showcasing the company's ability to generate revenue from its assets.
- Dividend yield of 12.10%, providing a significant income stream for investors.
Who Are NYMTO's Competitors?
NYMTO is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| AFIN American Finance Trust, Inc. | $8.23 | -0.36% | $1.18B | 52 |
| BRMK Broadmark Realty Capital Inc. | $4.82 | -2.63% | $635.03M | 46 |
| CLNC Colony Credit Real Estate, Inc. | $10.32 | +1.57% | $1.33B | 45 |
| CLNY Colony Capital, Inc. | $8.50 | +0.00% | $1.36B | 41 |
| HOUS Anywhere Real Estate Inc. | $17.64 | +3.58% | $1.98B | 50 |
| CHMI Cherry Hill Mortgage Investment Corporation | $2.33 | -0.21% | $85.42M | 72 |
| CIM Chimera Investment Corporation | $13.12 | +0.04% | $1.10B | 68 |
| MFA MFA Financial, Inc. | $9.38 | -1.00% | $958.15M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are NYMTO's Key Strengths?
- High dividend yield attracts income-seeking investors.
- Experienced management team with expertise in mortgage-backed securities.
- Diversified investment portfolio across various mortgage-related assets.
- REIT structure provides tax advantages.
What Are NYMTO's Weaknesses?
- Sensitivity to interest rate fluctuations.
- Credit risk associated with mortgage loans.
- Reliance on external financing.
- Complex regulatory environment for REITs.
What Could Drive NYMTO Stock Higher?
- Active management of the existing mortgage portfolio to optimize returns.
- Potential expansion into new mortgage-related asset classes.
- Strategic partnerships with multi-family property developers to secure new investment opportunities.
- Implementation of advanced technology solutions for loan origination and management.
- Monitoring and adapting to changes in interest rate environment.
What Are the Key Risks for NYMTO?
- Financial-distress signal — its Altman Z-Score of 0.72 sits in the distress zone (elevated bankruptcy risk).
- Fluctuations in interest rates impacting the value of mortgage-backed securities.
- Credit risk associated with mortgage loans, particularly distressed loans.
- Economic downturn impacting the housing market and property values.
- Regulatory changes affecting REITs and mortgage-related investments.
- Competition from other mortgage REITs and financial institutions.
What Are the Growth Opportunities for NYMTO?
- Expansion into Distressed Mortgage Assets: NYMTO can capitalize on opportunities in the distressed mortgage market. With potential market size in the billions, acquiring and managing distressed residential mortgage loans could significantly boost revenue. This strategy requires expertise in loan workout and risk management, but the potential returns are substantial. Timeline: Ongoing.
- Strategic Partnerships with Multi-Family Property Developers: Forming partnerships with developers of multi-family properties can provide NYMTO with access to new investment opportunities. By providing financing for new projects, NYMTO can secure attractive returns and expand its portfolio of structured multi-family property investments. This strategy requires careful due diligence and risk assessment. Timeline: Ongoing.
- Diversification into Agency CMBS: Increasing investments in agency CMBS can provide a stable source of income and reduce overall portfolio risk. Agency CMBS are backed by government-sponsored enterprises, making them less susceptible to credit risk. While returns may be lower than non-agency RMBS, the stability and liquidity of agency CMBS can enhance the portfolio's resilience. Timeline: Ongoing.
- Leveraging Technology for Loan Origination and Management: Implementing advanced technology solutions for loan origination and management can improve efficiency and reduce costs. By streamlining the loan process and enhancing risk assessment capabilities, NYMTO can improve its competitive position and generate higher returns. This requires investment in technology infrastructure and expertise. Timeline: Upcoming.
- Geographic Expansion into High-Growth Housing Markets: Expanding operations into high-growth housing markets can provide access to new investment opportunities and diversify the company's geographic exposure. Identifying markets with strong population growth and favorable economic conditions is crucial for success. This strategy requires careful market research and local expertise. Timeline: Upcoming.
What Opportunities Does NYMTO Have?
- Expansion into new mortgage-related asset classes.
- Strategic partnerships with multi-family property developers.
- Leveraging technology for loan origination and management.
- Geographic expansion into high-growth housing markets.
What Threats Does NYMTO Face?
- Economic downturn impacting the housing market.
- Increased competition from other mortgage REITs.
- Changes in government regulations affecting REITs.
- Rising interest rates increasing borrowing costs.
What Are NYMTO's Competitive Advantages?
- Expertise in mortgage-backed securities and structured investments.
- Established relationships with multi-family property developers.
- Access to capital markets for financing investments.
- REIT structure providing tax advantages.
- Experienced management team with a track record in real estate investments.
What Does NYMTO Do?
Founded in 2003 and headquartered in New York City, New York Mortgage Trust, Inc. (NYMTO) operates as a real estate investment trust (REIT) that strategically invests in a diverse portfolio of mortgage-related and residential housing-related assets across the United States. The company's core business involves acquiring, financing, and actively managing these assets to generate income for its stockholders. NYMTO's investment portfolio is composed of structured multi-family property investments, including multi-family commercial mortgage-backed securities (CMBS), preferred equity, and mezzanine loans extended to owners of multi-family properties. Additionally, the company invests in residential mortgage loans, encompassing distressed residential mortgage loans, non-qualified mortgage loans, second mortgages, residential bridge loans, and other residential mortgage loan types. Further diversifying its holdings, NYMTO includes non-agency residential mortgage-backed securities (RMBS), agency RMBS and CMBS, and other mortgage-related, residential housing-related, and credit-related assets. As a REIT, New York Mortgage Trust is structured to distribute a minimum of 90% of its taxable income to its stockholders, allowing it to avoid federal corporate income taxes. This structure emphasizes income generation and distribution to investors, making it a noteworthy option for those seeking dividend income from real estate-related investments.
What Products and Services Does NYMTO Offer?
- Acquires mortgage-related assets.
- Invests in residential housing-related assets.
- Finances mortgage and housing investments.
- Manages mortgage-backed securities portfolios.
- Provides mezzanine loans to multi-family property owners.
- Deals with distressed residential mortgage loans.
- Invests in non-qualified mortgage loans.
- Manages agency and non-agency RMBS and CMBS.
How Does NYMTO Make Money?
- Acquires mortgage-related assets and residential housing-related assets.
- Generates income from interest payments on mortgage loans and securities.
- Manages a portfolio of mortgage-backed securities.
- Distributes at least 90% of its taxable income to stockholders to maintain REIT status.
What Industry Does NYMTO 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 regulatory changes. Competition includes other mortgage REITs with similar investment strategies. The broader real estate sector is experiencing fluctuating demand influenced by economic conditions and demographic shifts. NYMTO's focus on multi-family and residential mortgage assets positions it to capitalize on specific segments within this dynamic market.
Who Are NYMTO's Key Customers?
- Investors seeking income from mortgage-related assets.
- Multi-family property owners seeking financing.
- Borrowers seeking residential mortgage loans.
- Institutional investors in mortgage-backed securities.
- Stockholders seeking dividend income.
Net buyingInsider Activity
The most recent 12 insider filings for New York Mortgage Trust, Inc. break down as 4 sales and 8 purchases. On net that is roughly 230K shares acquired (about $176K) — insiders putting money in tends to read as conviction.
Quarterly Financial Performance: New York Mortgage Trust, Inc.
Revenue for New York Mortgage Trust, Inc. came in at $48.4M during Q1 2026, a 12.1% improvement versus the preceding quarter. The company recorded net income of $86.6M, with diluted EPS of $0.94. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this small-cap Real Estate company. Across the four most recent quarters, NYMTO averaged $0.40 in diluted EPS.
NYMTO Valuation & Market Position
With a $1.31B market cap, New York Mortgage Trust, Inc. sits in the small-cap segment of the market.
ROE 10%Key Financial Metrics
Return on equity for New York Mortgage Trust, Inc. stands at 10.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.1%, showing how much profit it generates from its asset base. NYMTO trades at a trailing price-to-earnings ratio of 4.41, below the Real Estate sector average of ~20x. Its free cash flow yield is -6.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 22.7%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
New York Mortgage Trust, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.72 places it in the distress zone, a signal of elevated financial risk.
Company Profile
New York Mortgage Trust, Inc. operates in the REIT - Mortgage industry within the Real Estate sector. It is headquartered in New York City, US. The company is led by CEO Steven R. Mumma CPA. NYMTO has traded publicly since 2015.
NYMTO Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- High dividend yield attracts income-seeking investors.
- Experienced management team with expertise in mortgage-backed securities.
- Diversified investment portfolio across various mortgage-related assets.
- REIT structure provides tax advantages.
Bear Case
- Sensitivity to interest rate fluctuations.
- Credit risk associated with mortgage loans.
- Reliance on external financing.
- Complex regulatory environment for REITs.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $48M | $87M | $0.94 |
| Q4 2025 | $43M | $18M | $0.19 |
| Q3 2025 | $37M | $33M | $0.36 |
| Q2 2025 | $52M | $9M | $0.09 |
Based on FMP financials and quantitative analysis
NYMTO Latest News
No recent news available for NYMTO.
NYMTO Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NYMTO.
Price Targets
Wall Street price target analysis for NYMTO.
NYMTO MoonshotScore
What does this score mean?
The MoonshotScore rates NYMTO's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Steven R. Mumma CPA
CEO
Steven R. Mumma is a Certified Public Accountant (CPA) and serves as the Chief Executive Officer of New York Mortgage Trust, Inc. His background includes extensive experience in financial management, accounting, and real estate investments. Prior to his role at New York Mortgage Trust, he held various leadership positions in financial institutions, overseeing investment strategies and risk management. His expertise in financial analysis and strategic planning has been instrumental in guiding the company's growth and profitability.
Track Record: Under Steven R. Mumma's leadership, New York Mortgage Trust has maintained a strong focus on disciplined capital allocation and risk management. Key achievements include navigating challenging market conditions, optimizing the investment portfolio, and delivering consistent dividend income to stockholders. His strategic decisions have contributed to the company's ability to adapt to changing market dynamics and maintain its competitive position in the mortgage REIT industry.
What Investors Ask About New York Mortgage Trust, Inc. (NYMTO) — Real Estate
What does New York Mortgage Trust, Inc. do?
New York Mortgage Trust, Inc. (NYMTO) operates as a real estate investment trust (REIT) that focuses on acquiring, investing in, financing, and managing mortgage-related and residential housing-related assets in the United States. The company's investment portfolio includes structured multi-family property investments, residential mortgage loans, and mortgage-backed securities. NYMTO generates income from interest payments on these assets and distributes a significant portion of its taxable income to stockholders to maintain its REIT status.
What are the main risks for NYMTO?
The main risks for New York Mortgage Trust, Inc. (NYMTO) include fluctuations in interest rates, which can impact the value of its mortgage-backed securities and increase borrowing costs. Credit risk associated with mortgage loans, particularly distressed loans, is also a significant concern. An economic downturn could negatively impact the housing market and property values, leading to increased loan defaults. Regulatory changes affecting REITs and mortgage-related investments could also pose challenges for the company.
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 American Finance Trust, Inc. (AFIN), Broadmark Realty Capital Inc. (BRMK), and Colony Credit Real Estate, Inc. (CLNC). NYMTO differentiates itself through its focus on structured multi-family property investments and residential mortgage loans. Its high dividend yield and experienced management team are also key competitive advantages. However, the company faces similar risks related to interest rate fluctuations and credit risk as its competitors.
What are the key financial metrics investors watch for NYMTO?
Investors closely monitor several key financial metrics for New York Mortgage Trust, Inc. (NYMTO). These include the company's dividend yield, which reflects the income generated for investors, and its P/E ratio, which indicates its valuation relative to earnings. Profit margin and gross margin provide insights into the company's profitability and efficiency. Additionally, investors track the company's book value per share and its debt-to-equity ratio to assess its financial health and leverage.
What are the key factors to evaluate for NYMTO?
Evaluate NYMTO on fundamentals, analyst consensus, and risk factors. P/E: 4.4x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does NYMTO data refresh on this page?
NYMTO 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 NYMTO's recent stock price performance?
New York Mortgage Trust, Inc. (NYMTO) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: High dividend yield attracts income-seeking investors. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider NYMTO overvalued or undervalued right now?
New York Mortgage Trust, Inc. (NYMTO) trades at 4.4x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
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.
- AI analysis pending for NYMTO. This dossier is based on available financial data and company information as of 2026-03-17.
- Investment decisions should be based on individual research and consultation with a financial advisor.