New York Mortgage Trust, Inc. (NYMTP)
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. (NYMTP) trades at $25.32. New York Mortgage Trust, Inc. is a real estate investment trust (REIT) focused on acquiring, investing in, financing, and managing mortgage-related assets. Sector: Real estate.
Price live · AI analysis from Mar 18, 2026Analyst Coverage for NYMTP: NYMTP 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 NYMTP against Real Estate peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
NYMTP: 1/1 perspectives are bearish.
How is this calculated? →New York Mortgage Trust, Inc. (NYMTP) Real Estate Portfolio & Strategy
New York Mortgage Trust, Inc. is a REIT specializing in mortgage-related assets, including residential loans and mortgage-backed securities, operating within the dynamic U.S. real estate market. The company focuses on generating income through strategic investments in single-family and multi-family residential assets.
What Is the Investment Thesis for NYMTP?
New York Mortgage Trust presents a compelling investment case centered on its high dividend yield of 12.10% and strategic focus on mortgage-related assets. The company's diverse portfolio, including residential loans and mortgage-backed securities, positions it to capitalize on opportunities within the real estate market. A key value driver is its REIT structure, which mandates the distribution of at least 90% of taxable income to shareholders. The company's high beta of 1.90 indicates higher volatility compared to the market, which could lead to outsized gains or losses. Potential risks include interest rate fluctuations and changes in the housing market, which could impact the value of its mortgage-related assets.
Based on FMP financials and quantitative analysis
NYMTP Key Highlights
- P/E ratio of 4.4 suggests the company may be undervalued compared to its earnings.
- Profit Margin of 45.4% indicates strong profitability in its operations.
- Gross Margin of 64.2% demonstrates efficient management of revenue and costs.
- Dividend Yield of 12.10% offers a substantial income stream for investors.
- Beta of 1.90 indicates higher volatility compared to the overall market.
Who Are NYMTP's Competitors?
NYMTP 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 |
| ELME Elme Communities | $1.55 | -2.52% | $137.73M | 34 |
| 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 NYMTP's Key Strengths?
- High dividend yield provides attractive income for investors.
- Diversified portfolio of mortgage-related assets.
- REIT structure offers tax advantages.
- Experienced management team.
What Are NYMTP's Weaknesses?
- High beta indicates higher volatility.
- Sensitivity to interest rate fluctuations.
- Dependence on the housing market.
- Small number of employees (65) may limit operational capacity.
What Could Drive NYMTP Stock Higher?
- Potential interest rate cuts by the Federal Reserve could reduce borrowing costs and increase demand for mortgages.
- Strategic investments in high-yield mortgage-backed securities could drive increased returns.
- Active management of the mortgage portfolio to optimize performance and mitigate risks.
What Are the Key Risks for NYMTP?
- Rising interest rates could decrease the value of mortgage-related assets.
- Economic downturn could lead to increased mortgage defaults.
- Competition from other REITs could impact investment opportunities.
- Changes in government regulations could affect the mortgage industry.
What Are the Growth Opportunities for NYMTP?
- Expansion into underserved mortgage markets: New York Mortgage Trust can explore opportunities in underserved markets with high demand for residential loans. By targeting these markets, the company can increase its loan origination volume and diversify its portfolio. This strategy could involve partnering with local lenders or establishing a presence in these areas. Success in this area could increase revenue by 10-15% over the next 3 years.
- Strategic partnerships with multi-family property developers: Collaborating with multi-family property developers can provide New York Mortgage Trust with access to new investment opportunities. By providing financing for multi-family projects, the company can generate attractive returns and expand its portfolio of structured investments. These partnerships could lead to a 5-8% increase in assets under management within 2 years.
- Increased investment in non-agency RMBS: Non-agency residential mortgage-backed securities (RMBS) offer higher yields compared to agency RMBS but also come with increased risk. By carefully selecting non-agency RMBS, New York Mortgage Trust can enhance its investment returns. This strategy requires thorough due diligence and risk management to mitigate potential losses. This could increase investment income by 7-10% annually.
- Leveraging technology for efficient loan management: Implementing advanced technology solutions can streamline loan origination, servicing, and risk management processes. By leveraging technology, New York Mortgage Trust can reduce operational costs and improve efficiency. This includes using data analytics to identify potential investment opportunities and manage risk. Efficiency gains could reduce operating expenses by 5-7% over the next year.
- Diversification into commercial mortgage-backed securities (CMBS): Expanding into commercial mortgage-backed securities (CMBS) can diversify New York Mortgage Trust's portfolio and reduce its reliance on residential assets. CMBS offer different risk-return profiles compared to residential mortgages, providing opportunities to enhance overall portfolio performance. This diversification strategy could increase portfolio yield by 3-5% within 3 years.
What Opportunities Does NYMTP Have?
- Expansion into underserved mortgage markets.
- Strategic partnerships with multi-family property developers.
- Increased investment in non-agency RMBS.
- Leveraging technology for efficient loan management.
What Threats Does NYMTP Face?
- Economic downturn impacting the housing market.
- Rising interest rates increasing borrowing costs.
- Increased competition from other REITs.
- Changes in government regulations affecting the mortgage industry.
What Are NYMTP's Competitive Advantages?
- Expertise in mortgage-related investments.
- Established relationships with lenders and property developers.
- REIT structure providing tax advantages.
- Diversified portfolio of mortgage assets.
What Does NYMTP Do?
New York Mortgage Trust, Inc., incorporated in 2003 and headquartered in New York City, is a real estate investment trust (REIT) that strategically invests in mortgage-related assets. The company's primary focus is on acquiring, financing, and managing a diverse portfolio of single-family and multi-family residential assets across the United States. Its investment strategy encompasses residential loans, including first and second mortgages, business purpose loans, and structured multi-family property investments such as preferred equity, mezzanine loans, and joint venture equity. Additionally, New York Mortgage Trust invests in non-agency residential mortgage-backed securities (RMBS), agency RMBS, commercial mortgage-backed securities (CMBS), and other mortgage-related assets. As a REIT, the company is structured to distribute at least 90% of its taxable income to stockholders, allowing it to avoid federal corporate income taxes. This structure enables the company to provide attractive dividend yields to investors while actively managing its portfolio of mortgage-related assets.
What Products and Services Does NYMTP Offer?
- Acquires mortgage-related assets in the United States.
- Invests in single-family and multi-family residential assets.
- Finances residential loans, including first and second mortgages.
- Manages mortgage-backed securities (RMBS and CMBS).
- Provides structured financing for multi-family properties.
- Engages in joint venture equity investments in multi-family properties.
How Does NYMTP Make Money?
- Acquires and manages a portfolio of mortgage-related assets.
- Generates income from interest payments on loans and securities.
- Distributes at least 90% of taxable income to stockholders as dividends.
- Finances investments through debt and equity offerings.
What Industry Does NYMTP Operate In?
New York Mortgage Trust operates within the REIT - Mortgage industry, which is influenced by factors such as interest rates, housing market trends, and economic conditions. The industry is characterized by companies that invest in mortgages and mortgage-backed securities to generate income. The competitive landscape includes other REITs with similar investment strategies, such as Anworth Mortgage Asset Corporation and Colony Credit Real Estate, Inc. Market trends include increasing demand for housing and fluctuations in interest rates, which impact the value of mortgage-related assets.
Who Are NYMTP's Key Customers?
- Investors seeking income through dividend payments.
- Borrowers seeking residential loans.
- Multi-family property owners seeking financing.
- Institutional investors interested in mortgage-backed securities.
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. NYMTP has traded publicly since 2013.
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. NYMTP 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.
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.
NYMTP Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- High dividend yield provides attractive income for investors.
- Diversified portfolio of mortgage-related assets.
- REIT structure offers tax advantages.
- Experienced management team.
Bear Case
- High beta indicates higher volatility.
- Sensitivity to interest rate fluctuations.
- Dependence on the housing market.
- Small number of employees (65) may limit operational capacity.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
NYMTP Latest News
No recent news available for NYMTP.
NYMTP Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for NYMTP.
Price Targets
Wall Street price target analysis for NYMTP.
NYMTP MoonshotScore
What does this score mean?
The MoonshotScore rates NYMTP'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 the Chief Executive Officer of New York Mortgage Trust, Inc. He is a Certified Public Accountant (CPA) with extensive experience in the financial services industry. His background includes expertise in accounting, finance, and real estate investments. He has held various leadership positions in financial institutions, contributing to his deep understanding of mortgage-related assets and REIT management. His CPA certification demonstrates his proficiency in financial reporting and compliance.
Track Record: Under Steven R. Mumma's leadership, New York Mortgage Trust has focused on strategic investments in residential loans and mortgage-backed securities. He has overseen the company's efforts to maintain a high dividend yield for investors. He has also guided the company through periods of market volatility, adapting its investment strategy to changing economic conditions. His focus has been on maximizing shareholder value through strategic asset allocation and risk management.
Common Questions About NYMTP (Real Estate)
What does New York Mortgage Trust, Inc. do?
New York Mortgage Trust, Inc. is a real estate investment trust (REIT) that focuses on acquiring, investing in, financing, and managing mortgage-related assets in the United States. The company's portfolio includes residential loans, mortgage-backed securities (RMBS), commercial mortgage-backed securities (CMBS), and multi-family property investments. As a REIT, the company distributes a significant portion of its taxable income to shareholders in the form of dividends.
What do analysts say about NYMTP stock?
Analysts' perspectives on NYMTP stock are varied, reflecting the complexities of the mortgage REIT sector. Key valuation metrics include the company's P/E ratio of 4.4 and its dividend yield of 12.10%. Growth considerations focus on the company's ability to manage its portfolio effectively and capitalize on opportunities in the mortgage market. The high beta of 1.90 suggests higher volatility compared to the market.
What are the main risks for NYMTP?
The main risks for New York Mortgage Trust include interest rate fluctuations, which can impact the value of its mortgage-related assets. Economic downturns can lead to increased mortgage defaults and reduced demand for housing. Competition from other REITs and changes in government regulations also pose potential challenges. The company's high beta indicates higher volatility compared to the overall market.
How does New York Mortgage Trust, Inc. compare to competitors in its industry?
New York Mortgage Trust, Inc. competes with other mortgage REITs like American Finance Trust, Inc. (AFIN), Broadmark Realty Capital Inc. (BRMK), and Colony Credit Real Estate, Inc. (CLNC). NYMTP focuses on a mix of residential loans, RMBS, and multi-family investments. Competitors may specialize in different segments, such as commercial real estate debt or short-term mortgage loans, leading to varied risk and return profiles.
What are the key financial metrics investors watch for NYMTP?
Investors closely monitor NYMTP's dividend yield, which reflects its income distribution to shareholders. The company's profit margin and gross margin indicate its profitability and efficiency in managing its assets. The P/E ratio provides insights into the company's valuation relative to its earnings. Additionally, investors track the company's book value and leverage ratios to assess its financial health and risk profile.
What are the key factors to evaluate for NYMTP?
Evaluate NYMTP 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 NYMTP data refresh on this page?
NYMTP 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 NYMTP's recent stock price performance?
New York Mortgage Trust, Inc. (NYMTP) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: High dividend yield provides attractive income for 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
Data provided for informational purposes only.
- AI analysis pending for NYMTP. The information provided is based on available data and may be subject to change.