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CLDT (61) CIM (30) MFA (46) BFS (61) ⌘ Pro Terminal β†’

PennyMac Mortgage Investment Trust of (PMT) Dividend Safety Gauge & 10-Year DRIP Compounder

$7.89 -1.74% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $7.85

PennyMac Mortgage Investment Trust of (PMT) carries a Roarable Rating of D- (Sell) with 35/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE D- β€’ RED ALERT Cap $700.2M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is PMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, PennyMac Mortgage Investment Trust of (NYSE: PMT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $7.89 (-1.74% 1D, market cap $700.2M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, PMT ranks #975 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does PMT compare to CLDT and CIM in the Financials sector?
β–Ό

Within the Financials sector (Real Estate Investment Trusts), PMT carries a Roarable D- (35/100 RQD), trailing P/E of 7.5x, gross margin of β€”, and ROIC of 4.6%. By comparison, CLDT (Chatham Lodging Trust of) holds a C- grade (61/100 RQD, P/E 46.3x, ROIC 4.5%, cap $698.9M) and CIM (Chimera Investment Corporation) posts a E grade (30/100 RQD, P/E N/A, ROIC 9.0%, cap $706.5M). Among the 5-stock peer group, MFA leads on earnings multiple (3.9x) while BFS leads on capital efficiency (51.6% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PMT?
β–Ό

Per PMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464423), PennyMac Mortgage Investment Trust of generated $8.97B in revenue (+48.2% YoY), $86.1M in net income, and -$7.21B in free cash flow against $21.35B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $7.85 (-0.50%)🧬 Cannibal Buyback (-0.68% YoY Shares)βš™οΈ Cash Engine: 3/20 (E) β€’ 0% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record Warning: Scores below 50 (35/100 Β· D-) historically underperformed SPY in 71% of rolling 90-day windows (-8.5% avg 90D alpha vs SPY β€’ 29.0% hit rate).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERRED ALERT β€’ D-
025507510035
3-of-3 Quant Analysts Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw E Β· Rk D-
Cash (3)Whales (6)SEC (10)Macro (6)CEO (10)
Each axis scored 0–20
12M PRICE TARGET CONE-10.4% Base Target
$15 Bull$7 Base$6 Bear
πŸ“¬ FREE PMT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for PMT)Realized 20D OHLCV Swing Band: Β±7%
Deterministic 5-Pillar Attribution (35/100 Composite)
πŸ” WHY PMT SCORES 35/100 (D-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+10/20 pts (29% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 1/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+10/20 pts (29% of score)

SEC Form 4 / 13F Thermometer: 50% Net Buy β€’ Cannibal Buyback (-0.68% YoY Shares)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality4/20 pts (-16 pt drag)

Capital intensity & 0% operating margin leave 16 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
27
Grade E$6.87-0.4% Next Q
Q2 (-2Q)
30
Grade E$6.84+6.3% Next Q
Q3 (-1Q)
32
Grade E$7.27+8.5% Next Q
Current
35
Grade D-$7.89-8.5% Hist 90D Ξ±
Trajectory: E (27) β†’ D- (35)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

βš”οΈ Adversarial Opposing Case: What Could Spark a PMT Turnaround Squeeze

Gideon Ashmere Forensic Desk β†’

While PMT currently carries a cautious 35/100 (D-) rating due to Cash Engine Quality (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

πŸš€ Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

πŸš€ Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.15) and Max Pain ($8.28) forces dealer call-delta covering toward $14.50.

πŸš€ Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-0.68% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PMTβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œPMT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 35%NO 65%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
1.8% Total Yield
0% Cash ($0.00/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
74/100 β€’ REINVESTING IN GROWTH + BUYBACKS
FREE CASH FLOW PAYOUT RATIO
0% (100% Reinvested)
Retains cash flow for R&D and share repurchases
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (6.8% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $19,307

Est. Year-10 Shareholder Yield: $348/yr
$10.7K
Yr 1
$11.4K
Yr 2
$12.2K
Yr 3
$13.0K
Yr 4
$13.9K
Yr 5
$14.8K
Yr 6
$15.8K
Yr 7
$16.9K
Yr 8
$18.1K
Yr 9
$19.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PMT)

  • βœ“Walkthrough of PMT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
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PMT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -34.95%⚑ TESTING RESISTANCE
2026-11-04O $7.47H $8.03L $7.47C $7.89VOL 4.12M
RES: $8.17SUP: $6.20SMA50: $8.15SMA200: $10.34
$12.69$11.07$9.44$7.82$6.20RES $8.17SUP $6.20$7.892026-05-052026-06-182026-08-052026-09-212026-11-04
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PMT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ PMT Butterfly Map β†’ + Track PMT β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
-6.7%/yr Implied 5Y Growth

vs. +48.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PMT today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for PMT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PMT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PMT)

Financials Rank #975 of 1097 βš”οΈ CLDT vs PMT Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (PMT vs. CLDT, CIM, MFA, BFS)

Industry: Real Estate Investment Trusts (172 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, PennyMac Mortgage Investment Trust of (PMT) ranks #975 by composite RQD confidence (35/100, grade D-) and #627 by equity capitalization ($700.2M). Within this direct 5-issuer industry benchmark cohort, MFA leads on earnings valuation at 3.9x trailing P/E, while BFS leads on capital efficiency and profitability with 51.6% ROIC and β€” gross margin. CLDT currently holds the highest overall quantitative score in the immediate peer group at 61/100 (C-) compared with PMT at 35/100 (D-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PMT ACTIVE
PennyMac Mortgage Investment Trust of
D- 35/100 7.5x β€” 4.6% -1.74% $700.2M Benchmark Subject
CLDT
Chatham Lodging Trust of
C- 61/100 46.3x β€” 4.5% +0.07% $698.9M /cldt-vs-pmt β†’
CIM
Chimera Investment Corporation
E 30/100 β€” β€” 9.0% -1.78% $706.5M /cim-vs-pmt β†’
MFA
MFA Financial Inc.
D 46/100 3.9x β€” 9.7% -2.06% $685.4M /mfa-vs-pmt β†’
BFS
Saul Centers Inc.
C- 61/100 19.4x β€” 51.6% -1.81% $721.7M /bfs-vs-pmt β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0001464423 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), PennyMac Mortgage Investment Trust of (PMT) reported GAAP revenue of $8.97B (+48.2% vs. FY2024 revenue of $6.05B , and +76.1% cumulative change since FY2023) , GAAP net income of $86.1M, operating cash flow of -$7.21B, and free cash flow of -$7.21B (-166.9% YoY). On the balance sheet, PMT closed FY2025 with $21.35B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 1/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $8.97B $86.1M -$7.21B -$7.21B $21.35B β€”
FY2024 (FY) 2024-12-31 $6.05B $119.2M -$2.70B -$2.70B $14.41B β€”
FY2023 (FY) 2023-12-31 $5.09B $157.8M $1.34B $1.34B β€” β€”

3. PMT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PMT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, PennyMac Mortgage Investment Trust of (NYSE: PMT) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 35/100 at a spot price of $7.89 (-1.74% 1D, market cap $700.2M). Pillar breakdown: Fundamental Cash Engine 3/20, Institutional 13F & Options Flow 6/20, SEC Balance-Sheet Forensics 10/20, FRED Macro Regime Fit 6/20, and Executive Insider Alignment 10/20. Across 1097 tracked Financials issuers, PMT ranks #975 in composite RQD confidence.

How does PMT compare to CLDT and CIM in the Financials sector?

Within the Financials sector (Real Estate Investment Trusts), PMT carries a Roarable D- (35/100 RQD), trailing P/E of 7.5x, gross margin of β€”, and ROIC of 4.6%. By comparison, CLDT (Chatham Lodging Trust of) holds a C- grade (61/100 RQD, P/E 46.3x, ROIC 4.5%, cap $698.9M) and CIM (Chimera Investment Corporation) posts a E grade (30/100 RQD, P/E N/A, ROIC 9.0%, cap $706.5M). Among the 5-stock peer group, MFA leads on earnings multiple (3.9x) while BFS leads on capital efficiency (51.6% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PMT?

Per PMT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001464423), PennyMac Mortgage Investment Trust of generated $8.97B in revenue (+48.2% YoY), $86.1M in net income, and -$7.21B in free cash flow against $21.35B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PMT trading relative to its 50-day, 200-day, and 52-week technical levels?

PMT last traded at $7.89 (-1.74% on volume of 3,123,492 shares), positioning the stock -3.19% below its 50-day simple moving average ($8.15) and -23.69% below its 200-day simple moving average ($10.34). Across its 52-week range of $6.70 to $13.81, PMT sits at the 16.7% percentile with a 14-day RSI of 62.1 (BULLISH MOMENTUM) and an implied next-earnings move of Β±7.0% ($7.34 to $8.44).

Direct Sub-Reports: PMT RQD Cockpit PMT 12M Forecast PMT Earnings & Move PMT Dividends & DRIP PMT Insiders & 13F PMT Whale Options PMT Profit Sankey PMT News & Why
ROARABLE RATING BRIEF β€’ RQD 35/100 (D-) βœ“ SEC XBRL & RQD VERIFIED

PMT β€” PennyMac Mortgage Investment Trust of: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

PennyMac Mortgage Investment Trust of (PMT) earns a live Roarable RQD composite score of 35/100, corresponding to a D- letter grade (Roarable Sell) at a spot price of $7.89 (-1.74% 1D, market capitalization $700.2M).

  • Fundamental Cash Engine (3/20): Anchored by return on invested capital (ROIC) of 4.6%, gross margin of β€”, operating margin of β€”, and free cash flow yield of β€”.
  • Whale 13F & Options Flow (6/20) + Insider Conviction (10/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (6/20) + Forensic Balance Sheet (10/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 1/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

PennyMac Mortgage Investment Trust of (PMT) is listed on the NYSE and classified in the Financials sector, Real Estate Investment Trusts industry. The profile identifies the company's market capitalization as $0.6B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), PennyMac Mortgage Investment Trust of (PMT) reported $8.97B in annual revenue (up from $6.05B in FY2024, +48.2% YoY) and $86.1M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($5.09B revenue, $157.8M net income) through FY2025, PMT scaled operating cash flow to -$7.21B and free cash flow to -$7.21B, backed by $21.35B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (D- β€’ RQD 35/100): Established market leader in Financials with deep daily trading liquidity. Free cash flow yield of β€” and institutional whale pillar of 6/20. With Fundamental Cash Engine at 3/20 and Institutional Whale Flow at 6/20, sustained execution supports upside toward the upper end of the $6.70 – $13.81 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh 7.5x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Real Estate Investment Trusts (Financials), PMT carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can PMT sustain or expand its β€” operating margin and 4.6% ROIC against Real Estate Investment Trusts peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $8.97B and free cash flow of -$7.21B, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PMT's 7.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PMT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for PennyMac Mortgage Investment Trust of (PMT) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to PMT Debate Forum (3) ↓
🟑 MARKET WIRE SeekingAlpha β€’ 3d ago
AI Cracks Fuel REIT Comeback

The Fed held rates steady following September's hike, with two dissenters favoring another increase. Check out the market update here.

Read Full Source β†—
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PMT Bull vs. Bear Conversation Board β€” What's Your Call at $7.89?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PMT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PMT:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $9.49 (+27.0%)
πŸ“Œ Pinned Debate

The P/E (TTM) of 7.5 and Forward P/E of 7 are low relative to the reported EPS (TTM) of 0.99.

The P/E (TTM) of 7.5 and Forward P/E of 7 are low relative to the reported EPS (TTM) of 0.99.. When you look under the hood at PMT, Fundamental Cash Engine is 3/20 with 0.0% gross margins and 4.6% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (6/20) has been quietly accumulating below $13.81. My 12M target is $9.49.

RetailWhale_TX πŸ‚ BULL

@SkepticalCFA Shorting a 6/20 institutional whale-flow stock at $7.47 is dangerous when funds are rotating into Financials.

SK SkepticalCFA RQD DEBATE OPENER β€’ Fundamental Contrarian 🐻 BEARISH 🎯 Target: $6.20 (-17.0%)
Spot @ $7.47

Free cash flow fell from $1.34B in FY 2023 to -$7.21B in FY 2025 while the RQD score is 34 with a 0% FCF yield.

Fading this rally in PMT at $7.47. Free cash flow fell from $1.34B in FY 2023 to -$7.21B in FY 2025 while the RQD score is 34 with a 0% FCF yield.. With a beta of 1.0 and the stock sitting at $7.47 (52-wk range $6.70–$13.81), the easy multiple expansion is already priced in.

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