PMT
NEUTRAL
$12.33
Live
PennyMac Mortgage Investment Trust · NYSE
Target $13.14
(+6.6%)
$11.15
52W Range
$13.81
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated May 02, 2026
Market cap
$1.08B
P/E
12.45
ROE
6.7%
Profit margin
17.7%
Debt/Equity
10.14
Dividend yield
12.98%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
PMT presents a classic 'value trap' profile, characterized by a weak Piotroski F-Score of 2/9 and an unsustainable dividend payout ratio of 202.02%. While the stock trades at a significant discount to its Graham Number ($18.56) and Intrinsic Value ($29.2), this valuation is offset by extreme leverage (Debt/Equity of 10.14) and a bearish technical trend. The company shows positive YoY earnings growth, but the historical earnings volatility and poor financial health scores suggest high risk despite the attractive entry price.
Key Strengths
Trading below book value (P/B 0.80)
Significant discount to Graham Number ($18.56) and Intrinsic Value ($29.2)
Low Forward P/E of 7.44 suggesting potential undervaluation
Positive YoY earnings growth of 17%
High nominal dividend yield of 12.98%
Key Risks
Unsustainable dividend payout ratio (202.02%)
Extreme financial leverage with Debt/Equity at 10.14
Very weak financial health as indicated by Piotroski F-Score (2/9)
Highly volatile quarterly earnings track record with frequent large misses
Bearish technical trend (0/100 score)
AI Fair Value Estimate
Based on comprehensive analysis
$15.4
+24.9% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
45
Moderate
85
50
40
20
30
AI Verdict
Speculative Value
Key drivers: Deep valuation discount, Critical health failure (Piotroski), Dividend instability
Confidence
90%
Value
85/100
Ref P/E 12.45, PEG 0.76, Graham Number $18.56
Positives
- P/B < 1.0
- Price well below Graham Number
- Low PEG ratio (0.76)
Watchpoints
- Market cap is relatively small ($1.08B)
Future
50/100
Ref Growth rates
Positives
- Positive YoY earnings growth
- Low forward P/E
Watchpoints
- Q/Q revenue growth is negative (-18.62%)
- Revenue growth YoY is an outlier (1067%) likely due to non-organic factors
Past
40/100
Ref Historical trends
Positives
- Long-term 3Y price change is positive (+50.9%)
Watchpoints
- Extreme earnings volatility
- Frequent and severe earnings misses (e.g., -331.6% surprise)
Health
20/100
Ref Piotroski F-Score
Positives
- Current ratio above 1.0
Watchpoints
- Piotroski F-Score 2/9 (Weak)
- Debt/Equity 10.14 is excessively high
Dividend
30/100
Ref Yield 12.98%, Payout 202.02%
Positives
- Very high yield (12.98%)
Watchpoints
- Payout ratio > 200% indicates dividend is not covered by earnings
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$12.33
Analyst Target
$13.14
Upside/Downside
+6.6%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for PMT and closest competitors.
Updated 2026-05-01
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
PMT
PennyMac Mortgage Investment Trust
Primary
|
+12.5% | +50.9% | +9.5% | +9.3% | +8.3% | +1.7% |
|
MMI
Marcus & Millichap, Inc.
Peer
|
-13.5% | -6.4% | -7.5% | -3.3% | +6.9% | -0.8% |
|
BFS
Saul Centers, Inc.
Peer
|
+35.2% | -8.1% | -6.4% | -1.2% | +1.6% | -1.1% |
|
PDM
Piedmont Realty Trust, Inc.
Peer
|
-40.8% | +52.0% | +32.6% | +3.4% | +28.8% | +2.3% |
|
MFA
MFA Financial, Inc.
Peer
|
+12.3% | +47.1% | +19.6% | +22.4% | +9.6% | -0.4% |
PMT
PennyMac Mortgage Investment Trust
Primary
5Y
+12.5%
3Y
+50.9%
1Y
+9.5%
6M
+9.3%
1M
+8.3%
1W
+1.7%
MMI
Marcus & Millichap, Inc.
Peer
5Y
-13.5%
3Y
-6.4%
1Y
-7.5%
6M
-3.3%
1M
+6.9%
1W
-0.8%
BFS
Saul Centers, Inc.
Peer
5Y
+35.2%
3Y
-8.1%
1Y
-6.4%
6M
-1.2%
1M
+1.6%
1W
-1.1%
PDM
Piedmont Realty Trust, Inc.
Peer
5Y
-40.8%
3Y
+52.0%
1Y
+32.6%
6M
+3.4%
1M
+28.8%
1W
+2.3%
MFA
MFA Financial, Inc.
Peer
5Y
+12.3%
3Y
+47.1%
1Y
+19.6%
6M
+22.4%
1M
+9.6%
1W
-0.4%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
12.45
Forward P/E
7.44
PEG Ratio
0.76
P/B Ratio
0.8
P/S Ratio
1.49
EV/Revenue
28.33
EV/EBITDA
N/A
Market Cap
$1.08B
Profitability
Profit margins and return metrics
Profit Margin
17.73%
Operating Margin
21.1%
Gross Margin
82.88%
ROE
6.69%
ROA
0.71%
Growth
Revenue and earnings growth rates
Revenue Growth
+1067.6%
Earnings Growth
+17.0%
Q/Q Revenue Growth
-18.62%
Q/Q Earnings Growth
+12.5%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
10.14
High debt
Current Ratio
1.35
Good
Quick Ratio
0.94
Poor
Cash/Share
$3.77
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
92.2%
Total Assets
$21.3B
Liabilities
$19.5B
Equity
$1.9B
Debt/Equity
10.31x
Operating CF
$-3.3B
Free Cash Flow
$-3.3B
FCF Yield
100%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-05
$N/A
2026-01-29
$0.48
+22.6% surprise
2025-10-21
$0.55
+46.1% surprise
2025-07-22
$-0.04
-110.7% surprise
Real Estate Sector Comparison
Comparing PMT against 229 companies in the Real Estate sector
(10 bullish, 48 neutral, 171 bearish)
P/E Ratio
12.45
This Stock
vs
45.25
Sector Avg
-72.5%
(Discount)
Return on Equity (ROE)
6.69%
This Stock
vs
-25.6%
Sector Avg
-126.1%
(Below Avg)
Profit Margin
17.73%
This Stock
vs
8.39%
Sector Avg
+111.3%
(Superior)
Debt to Equity
10.14
This Stock
vs
2.42
Sector Avg
+318.8%
(Higher)
Revenue Growth
1067.6%
This Stock
vs
12338.63%
Sector Avg
-91.3%
(Slower)
Current Ratio
1.35
This Stock
vs
8.03
Sector Avg
-83.1%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
PMT
PennyMac Mortgage Investment Trust
|
NEUTRAL | $1.08B | 12.45 | 6.7% | 17.7% | $12.33 | |
|
MMI
Marcus & Millichap, Inc.
|
BEARISH | $1.07B | - | -0.3% | -0.3% | $28.01 | Compare |
|
BFS
Saul Centers, Inc.
|
BEARISH | $1.08B | 27.63 | 10.3% | 13.8% | $31.5 | Compare |
|
PDM
Piedmont Realty Trust, Inc.
|
BEARISH | $1.04B | - | -5.7% | -15.3% | $8.33 | Compare |
|
MFA
MFA Financial, Inc.
|
NEUTRAL | $1.04B | 7.82 | 9.6% | 54.3% | $10.17 | Compare |
PMT
PennyMac...
NEUTRAL
Mkt Cap
$1.1B
P/E
12.5
ROE
6.7%
Price
$12.33
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-23 | SPECTOR DAVID ALAN | Chief Executive Officer | Stock Award | 64,814 | - |
| 2026-02-23 | SPECTOR DAVID ALAN | Chief Executive Officer | Stock Award | 35,643 | - |
| 2026-02-23 | CARNAHAN SCOTT W | Director | Stock Award | 10,699 | - |
| 2026-02-23 | STEWART STACEY D | Director | Stock Award | 10,699 | - |
| 2026-02-23 | JONES DOUGLAS | President | Stock Award | 37,037 | - |
| 2026-02-23 | JONES DOUGLAS | President | Stock Award | 19,860 | - |
| 2026-02-23 | MCALLISTER NANCY | Director | Stock Award | 10,699 | - |
| 2026-02-23 | DUFAUCHARD PRESTON PAUL JR | Director | Stock Award | 10,699 | - |
| 2026-02-23 | PEROTTI DANIEL STANLEY | Chief Financial Officer | Stock Award | 18,518 | - |
| 2026-02-23 | PEROTTI DANIEL STANLEY | Chief Financial Officer | Stock Award | 15,764 | - |
| 2026-02-23 | LYNCH CATHERINE A | Director | Stock Award | 10,699 | - |
| 2026-02-23 | POURAGHABAGHER SETAREH | Director | Stock Award | 10,699 | - |
| 2026-02-23 | CORLEY DONNA M | Director | Stock Award | 10,699 | - |
| 2026-02-23 | ELBAUM MARK | Officer | Stock Award | 18,518 | - |
| 2026-02-23 | ELBAUM MARK | Officer | Stock Award | 3,085 | - |
SPECTOR DAVID ALAN
Chief Executive Officer
2026-02-23
64,814 shares
SPECTOR DAVID ALAN
Chief Executive Officer
2026-02-23
35,643 shares
CARNAHAN SCOTT W
Director
2026-02-23
10,699 shares
STEWART STACEY D
Director
2026-02-23
10,699 shares
JONES DOUGLAS
President
2026-02-23
37,037 shares
JONES DOUGLAS
President
2026-02-23
19,860 shares
MCALLISTER NANCY
Director
2026-02-23
10,699 shares
DUFAUCHARD PRESTON PAUL JR
Director
2026-02-23
10,699 shares
PEROTTI DANIEL STANLEY
Chief Financial Officer
2026-02-23
18,518 shares
PEROTTI DANIEL STANLEY
Chief Financial Officer
2026-02-23
15,764 shares
LYNCH CATHERINE A
Director
2026-02-23
10,699 shares
POURAGHABAGHER SETAREH
Director
2026-02-23
10,699 shares
CORLEY DONNA M
Director
2026-02-23
10,699 shares
ELBAUM MARK
Officer
2026-02-23
18,518 shares
ELBAUM MARK
Officer
2026-02-23
3,085 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
7 analysts
Piper Sandler
2026-04-02
Neutral
Neutral
Citizens
2026-01-22
Market Outperform
Market Outperform
Keefe, Bruyette & Woods
2025-12-18
Market Perform
Outperform
Past News Coverage
Recent headlines mentioning PMT from our newsroom.
Newest → oldest
No matching news yet.