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MFA

MFA Financial, Inc.

Real Estate · $816M market cap

Verdict

Share price

$7.65

close of Oct 3, 2026

Fair value

$5.56

Sticker Price

Payback Price

$2.22

buy price

Overpriced

MFA is Overpriced: at $7.65 it trades 38% above its fair value of $5.56. Its buy price (Payback Price) is $2.22, 71% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth1.0% a year✗
Equity per share growth-3.9% a year✗
Sales growth2.5% a year✗
Free cash flow growth-2.4% a year✗
Return on invested capital4.8%✗

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About MFA Financial, Inc.

MFA Financial, Inc., along with its subsidiary entities, operates as a real estate investment trust (REIT) within the United States. The company strategically allocates capital into various residential mortgage-related assets. These assets include diverse mortgage-backed securities (MBS) such as non-agency, agency, and credit risk transfer instruments. Furthermore, MFA invests in residential whole loans…

REIT - Mortgage

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works