WallStSmart

New York Mortgage Trust Inc (NYMT)vsAT&T Inc. 5.35% GLB NTS 66 (TBB)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

NYMT leads profitability with a 30.3% profit margin vs 0.0%. TBB trades at a lower P/E of 3.8x. NYMT earns a higher WallStSmart Score of 67/100 (B-).

NYMT

Strong Buy

67

out of 100

Grade: B-

Growth: 4.7Profit: 6.5Value: 5.7Quality: 3.8
Piotroski: 4/9Altman Z: 0.49

TBB

Avoid

25

out of 100

Grade: F

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

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NYMT4 strengths · Avg: 9.5/10
Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.3%10/10

Keeps 30 of every $100 in revenue as profit

Revenue GrowthGrowth
39.8%10/10

Revenue surging 39.8% year-over-year

PEG RatioValuation
0.978/10

Growing faster than its price suggests

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

NYMT4 concerns · Avg: 3.0/10
P/E RatioValuation
37.4x4/10

Premium valuation, high expectations priced in

Market CapQuality
$642.13M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
4.5%3/10

ROE of 4.5% — below average capital efficiency

EPS GrowthGrowth
-65.3%2/10

Earnings declined 65.3%

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 : NYMT

The strongest argument for NYMT centers on Price/Book, Profit Margin, Revenue Growth. Profitability is solid with margins at 30.3% and operating margin at 18.2%. Revenue growth of 39.8% demonstrates continued momentum.

Bull Case : TBB

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

Bear Case : NYMT

The primary concerns for NYMT are P/E Ratio, Market Cap, Return on Equity. Debt-to-equity of 2.91 is elevated, increasing financial risk.

Bear Case : TBB

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

Key Dynamics to Monitor

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

NYMT is growing revenue faster at 39.8% — 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

NYMT scores higher overall (67/100 vs 25/100), backed by strong 30.3% margins and 39.8% revenue growth. Both earn "Strong 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.

New York Mortgage Trust Inc

REAL ESTATE · REIT - MORTGAGE · USA

New York Mortgage Trust, Inc. acquires, invests, finances and manages single-family and multi-family mortgage-related residential assets in the United States. The company is headquartered in New York, New York.

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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