Latest news with #TwoHarborsInvestment
Yahoo
08-08-2025
- Business
- Yahoo
1 Bank Stock with Competitive Advantages and 2 We Ignore
Banks play a critical role in the financial system, providing everything from commercial loans to wealth management and payment processing services. But worries about an economic slowdown and potential credit deterioration have kept sentiment in check, and over the past six months, the banking industry has tumbled by 6.9%. This performance is a noticeable divergence from the S&P 500's 4.5% return. Despite the lackluster result, a few diamonds in the rough can produce earnings growth no matter what, and we started StockStory to help you find them. On that note, here is one resilient bank stock at the top of our wish list and two we're steering clear of. Two Bank Stocks to Sell: Two Harbors Investment (TWO) Market Cap: $1.03 billion Operating in the complex world of mortgage finance since 2009, Two Harbors Investment (NYSE:TWO) is a real estate investment trust that invests in mortgage servicing rights and agency residential mortgage-backed securities. Why Should You Dump TWO? Annual net interest income declines of 47.1% for the past five years show its loan book struggled during this cycle Performance over the past five years shows its incremental sales were much less profitable, as its earnings per share fell by 20.2% annually Annual tangible book value per share declines of 14.6% for the past five years show its capital management struggled during this cycle Two Harbors Investment's stock price of $9.89 implies a valuation ratio of 0.7x forward P/B. If you're considering TWO for your portfolio, see our FREE research report to learn more. TFS Financial (TFSL) Market Cap: $3.53 billion Tracing its roots back to 1938 during the Great Depression era when savings and loans were vital to homeownership, TFS Financial (NASDAQ:TFSL) is a savings and loan holding company that provides mortgage lending, deposit services, and other retail banking products primarily in Ohio and Florida. Why Do We Think TFSL Will Underperform? Net interest income trends were unexciting over the last four years as its 4.9% annual growth was below the typical bank company Inferior net interest margin of 1.7% means it must compensate for lower profitability through increased loan originations 1.4% annual tangible book value per share growth over the last two years was slower than its bank peers At $12.65 per share, TFS Financial trades at 1.9x forward P/B. Read our free research report to see why you should think twice about including TFSL in your portfolio, it's free. One Bank Stock to Watch: Webster Financial (WBS) Market Cap: $9.24 billion Founded during the Great Depression in 1935 and evolving into a major Northeastern financial institution, Webster Financial (NYSE:WBS) is a bank holding company that provides commercial banking, consumer banking, and employee benefits solutions through its Webster Bank and HSA Bank division. Why Are We Fans of WBS? Annual net interest income growth of 22.1% over the past five years was outstanding, reflecting market share gains this cycle Non-interest operating profits and efficiency rose over the last four years as it benefited from some fixed cost leverage Earnings per share have massively outperformed its peers over the last five years, increasing by 13.8% annually Webster Financial is trading at $55.33 per share, or 1x forward P/B. Is now the time to initiate a position? See for yourself in our comprehensive research report, it's free. Stocks We Like Even More Donald Trump's April 2024 "Liberation Day" tariffs sent markets into a tailspin, but stocks have since rebounded strongly, proving that knee-jerk reactions often create the best buying opportunities. The smart money is already positioning for the next leg up. Don't miss out on the recovery - check out our Top 9 Market-Beating Stocks. This is a curated list of our High Quality stocks that have generated a market-beating return of 183% over the last five years (as of March 31st 2025). Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,545% between March 2020 and March 2025) as well as under-the-radar businesses like the once-small-cap company Comfort Systems (+782% five-year return). Find your next big winner with StockStory today for free. Find your next big winner with StockStory today. Find your next big winner with StockStory today StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
29-07-2025
- Business
- Yahoo
Franklin BSP Realty Trust (FBRT) To Report Earnings Tomorrow: Here Is What To Expect
Commercial real estate lender Franklin BSP Realty Trust (NYSE:FBRT) will be announcing earnings results this Wednesday after the bell. Here's what investors should know. Franklin BSP Realty Trust missed analysts' revenue expectations by 6% last quarter, reporting revenues of $52.01 million, up 1.8% year on year. It was a disappointing quarter for the company, with a significant miss of analysts' EPS estimates. Is Franklin BSP Realty Trust a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting Franklin BSP Realty Trust's revenue to grow 198% year on year to $55.77 million, a reversal from the 70.5% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.30 per share. The majority of analysts covering the company have reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Looking at Franklin BSP Realty Trust's peers in the thrifts & mortgage finance segment, some have already reported their Q2 results, giving us a hint as to what we can expect. PennyMac Financial Services's revenues decreased 7.1% year on year, missing analysts' expectations by 19.8%, and Two Harbors Investment reported a revenue decline of 109%, falling short of estimates by 109%. PennyMac Financial Services traded down 7.5% following the results. Read our full analysis of PennyMac Financial Services's results here and Two Harbors Investment's results here. There has been positive sentiment among investors in the thrifts & mortgage finance segment, with share prices up 4.1% on average over the last month. Franklin BSP Realty Trust is down 1.8% during the same time and is heading into earnings with an average analyst price target of $15.20 (compared to the current share price of $10.50). Today's young investors likely haven't read the timeless lessons in Gorilla Game: Picking Winners In High Technology because it was written more than 20 years ago when Microsoft and Apple were first establishing their supremacy. But if we apply the same principles, then enterprise software stocks leveraging their own generative AI capabilities may well be the Gorillas of the future. So, in that spirit, we are excited to present our Special Free Report on a profitable, fast-growing enterprise software stock that is already riding the automation wave and looking to catch the generative AI next. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here.
Yahoo
27-07-2025
- Business
- Yahoo
Two Harbors Investment (TWO) Q2 Earnings: What To Expect
Mortgage REIT Two Harbors Investment (NYSE:TWO) will be announcing earnings results this Monday afternoon. Here's what you need to know. Two Harbors Investment missed analysts' revenue expectations by 125% last quarter, reporting revenues of -$28.33 million, down 110% year on year. It was a softer quarter for the company, with a significant miss of analysts' EPS estimates. Is Two Harbors Investment a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting Two Harbors Investment's revenue to be flat year on year at $114.1 million, improving from the 56.7% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.36 per share. The majority of analysts covering the company have reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Two Harbors Investment has missed Wall Street's revenue estimates three times over the last two years. Looking at Two Harbors Investment's peers in the thrifts & mortgage finance segment, some have already reported their Q2 results, giving us a hint as to what we can expect. PennyMac Financial Services's revenues decreased 7.1% year on year, missing analysts' expectations by 19.8%, and Ladder Capital reported a revenue decline of 21.4%, in line with consensus estimates. PennyMac Financial Services traded down 7.5% following the results while Ladder Capital's stock price was unchanged. Read our full analysis of PennyMac Financial Services's results here and Ladder Capital's results here. There has been positive sentiment among investors in the thrifts & mortgage finance segment, with share prices up 4% on average over the last month. Two Harbors Investment is down 1.7% during the same time and is heading into earnings with an average analyst price target of $12.57 (compared to the current share price of $10.44). Today's young investors likely haven't read the timeless lessons in Gorilla Game: Picking Winners In High Technology because it was written more than 20 years ago when Microsoft and Apple were first establishing their supremacy. But if we apply the same principles, then enterprise software stocks leveraging their own generative AI capabilities may well be the Gorillas of the future. So, in that spirit, we are excited to present our Special Free Report on a profitable, fast-growing enterprise software stock that is already riding the automation wave and looking to catch the generative AI next. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here.
Yahoo
27-07-2025
- Business
- Yahoo
Two Harbors Investment (TWO) Q2 Earnings: What To Expect
Mortgage REIT Two Harbors Investment (NYSE:TWO) will be announcing earnings results this Monday afternoon. Here's what you need to know. Two Harbors Investment missed analysts' revenue expectations by 125% last quarter, reporting revenues of -$28.33 million, down 110% year on year. It was a softer quarter for the company, with a significant miss of analysts' EPS estimates. Is Two Harbors Investment a buy or sell going into earnings? Read our full analysis here, it's free. This quarter, analysts are expecting Two Harbors Investment's revenue to be flat year on year at $114.1 million, improving from the 56.7% decrease it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.36 per share. The majority of analysts covering the company have reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Two Harbors Investment has missed Wall Street's revenue estimates three times over the last two years. Looking at Two Harbors Investment's peers in the thrifts & mortgage finance segment, some have already reported their Q2 results, giving us a hint as to what we can expect. PennyMac Financial Services's revenues decreased 7.1% year on year, missing analysts' expectations by 19.8%, and Ladder Capital reported a revenue decline of 21.4%, in line with consensus estimates. PennyMac Financial Services traded down 7.5% following the results while Ladder Capital's stock price was unchanged. Read our full analysis of PennyMac Financial Services's results here and Ladder Capital's results here. There has been positive sentiment among investors in the thrifts & mortgage finance segment, with share prices up 4% on average over the last month. Two Harbors Investment is down 1.7% during the same time and is heading into earnings with an average analyst price target of $12.57 (compared to the current share price of $10.44). Today's young investors likely haven't read the timeless lessons in Gorilla Game: Picking Winners In High Technology because it was written more than 20 years ago when Microsoft and Apple were first establishing their supremacy. But if we apply the same principles, then enterprise software stocks leveraging their own generative AI capabilities may well be the Gorillas of the future. So, in that spirit, we are excited to present our Special Free Report on a profitable, fast-growing enterprise software stock that is already riding the automation wave and looking to catch the generative AI next. StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
29-06-2025
- Business
- Yahoo
With 69% ownership of the shares, Two Harbors Investment Corp. (NYSE:TWO) is heavily dominated by institutional owners
Institutions' substantial holdings in Two Harbors Investment implies that they have significant influence over the company's share price The top 12 shareholders own 50% of the company Analyst forecasts along with ownership data serve to give a strong idea about prospects for a business AI is about to change healthcare. These 20 stocks are working on everything from early diagnostics to drug discovery. The best part - they are all under $10bn in marketcap - there is still time to get in early. If you want to know who really controls Two Harbors Investment Corp. (NYSE:TWO), then you'll have to look at the makeup of its share registry. We can see that institutions own the lion's share in the company with 69% ownership. In other words, the group stands to gain the most (or lose the most) from their investment into the company. Because institutional owners have a huge pool of resources and liquidity, their investing decisions tend to carry a great deal of weight, especially with individual investors. Hence, having a considerable amount of institutional money invested in a company is often regarded as a desirable trait. Let's take a closer look to see what the different types of shareholders can tell us about Two Harbors Investment. See our latest analysis for Two Harbors Investment Institutions typically measure themselves against a benchmark when reporting to their own investors, so they often become more enthusiastic about a stock once it's included in a major index. We would expect most companies to have some institutions on the register, especially if they are growing. We can see that Two Harbors Investment does have institutional investors; and they hold a good portion of the company's stock. This can indicate that the company has a certain degree of credibility in the investment community. However, it is best to be wary of relying on the supposed validation that comes with institutional investors. They too, get it wrong sometimes. When multiple institutions own a stock, there's always a risk that they are in a 'crowded trade'. When such a trade goes wrong, multiple parties may compete to sell stock fast. This risk is higher in a company without a history of growth. You can see Two Harbors Investment's historic earnings and revenue below, but keep in mind there's always more to the story. Institutional investors own over 50% of the company, so together than can probably strongly influence board decisions. Two Harbors Investment is not owned by hedge funds. Our data shows that BlackRock, Inc. is the largest shareholder with 17% of shares outstanding. In comparison, the second and third largest shareholders hold about 11% and 5.0% of the stock. Looking at the shareholder registry, we can see that 50% of the ownership is controlled by the top 12 shareholders, meaning that no single shareholder has a majority interest in the ownership. While it makes sense to study institutional ownership data for a company, it also makes sense to study analyst sentiments to know which way the wind is blowing. Quite a few analysts cover the stock, so you could look into forecast growth quite easily. The definition of an insider can differ slightly between different countries, but members of the board of directors always count. Management ultimately answers to the board. However, it is not uncommon for managers to be executive board members, especially if they are a founder or the CEO. I generally consider insider ownership to be a good thing. However, on some occasions it makes it more difficult for other shareholders to hold the board accountable for decisions. Our data suggests that insiders own under 1% of Two Harbors Investment Corp. in their own names. Keep in mind that it's a big company, and the insiders own US$8.2m worth of shares. The absolute value might be more important than the proportional share. Arguably, recent buying and selling is just as important to consider. You can click here to see if insiders have been buying or selling. With a 30% ownership, the general public, mostly comprising of individual investors, have some degree of sway over Two Harbors Investment. This size of ownership, while considerable, may not be enough to change company policy if the decision is not in sync with other large shareholders. While it is well worth considering the different groups that own a company, there are other factors that are even more important. Case in point: We've spotted 2 warning signs for Two Harbors Investment you should be aware of, and 1 of them is a bit concerning. If you are like me, you may want to think about whether this company will grow or shrink. Luckily, you can check this free report showing analyst forecasts for its future. NB: Figures in this article are calculated using data from the last twelve months, which refer to the 12-month period ending on the last date of the month the financial statement is dated. This may not be consistent with full year annual report figures. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Sign in to access your portfolio
