WallStSmart

Cherry Hill Mortgage Investment Corp (CHMI)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

CHMI leads profitability with a 38.6% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. CHMI earns a higher WallStSmart Score of 56/100 (C).

CHMI

Buy

56

out of 100

Grade: C

Growth: 6.7Profit: 7.0Value: 7.7Quality: 4.5
Piotroski: 3/9Altman Z: -0.77

TBB

Avoid

25

out of 100

Grade: F

Growth: 4.0Profit: 5.0Value: 6.7Quality: 3.5
Piotroski: 5/9Altman Z: 0.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

CHMIUndervalued (+82.1%)

Margin of Safety

+82.1%

Fair Value

$14.23

Current Price

$2.87

$11.36 discount

UndervaluedFair: $14.23Overvalued

Intrinsic value data unavailable for TBB.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CHMI5 strengths · Avg: 9.2/10
Price/BookValuation
0.9x10/10

Reasonable price relative to book value

Profit MarginProfitability
38.6%10/10

Keeps 39 of every $100 in revenue as profit

Operating MarginProfitability
37.9%10/10

Strong operational efficiency at 37.9%

P/E RatioValuation
13.7x8/10

Attractively priced relative to earnings

Revenue GrowthGrowth
27.6%8/10

Revenue surging 27.6% year-over-year

TBB3 strengths · Avg: 9.0/10
P/E RatioValuation
3.8x10/10

Attractively priced relative to earnings

Market CapQuality
$132.56B9/10

Large-cap with strong market position

Free Cash FlowQuality
$5.17B8/10

Generating 5.2B in free cash flow

Areas to Watch

CHMI4 concerns · Avg: 2.8/10
Market CapQuality
$107.56M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
6.2%3/10

ROE of 6.2% — below average capital efficiency

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-49.5%2/10

Earnings declined 49.5%

TBB4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
0.0%4/10

0.0% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Operating MarginProfitability
0.0%3/10

Operating margin of 0.0%

Comparative Analysis Report

WallStSmart Research

Bull Case : CHMI

The strongest argument for CHMI centers on Price/Book, Profit Margin, Operating Margin. Profitability is solid with margins at 38.6% and operating margin at 37.9%. Revenue growth of 27.6% demonstrates continued momentum.

Bull Case : TBB

The strongest argument for TBB centers on P/E Ratio, Market Cap, Free Cash Flow.

Bear Case : CHMI

The primary concerns for CHMI are Market Cap, Return on Equity, Piotroski F-Score. Debt-to-equity of 5.08 is elevated, increasing financial risk.

Bear Case : TBB

The primary concerns for TBB are Revenue Growth, EPS Growth, Profit Margin.

Key Dynamics to Monitor

CHMI profiles as a growth stock while TBB is a value play — different risk/reward profiles.

CHMI is growing revenue faster at 27.6% — sustainability is the question.

TBB generates stronger free cash flow (5.2B), providing more financial flexibility.

Monitor REIT - MORTGAGE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

CHMI scores higher overall (56/100 vs 25/100), backed by strong 38.6% margins and 27.6% revenue growth. Both earn "Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Cherry Hill Mortgage Investment Corp

REAL ESTATE · REIT - MORTGAGE · USA

Cherry Hill Mortgage Investment Corporation, a residential real estate financing company, acquires, invests, and manages residential mortgage assets in the United States. The company is headquartered in Farmingdale, New Jersey.

AT&T Inc. 5.35% GLB NTS 66

REAL ESTATE · REIT - RESIDENTIAL · USA

AT&T Inc. provides digital entertainment communications and services. The company is headquartered in Dallas, Texas.

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